Abstract: A consumer lead enhancement system comprises a vendor criteria database, a web server, and a matching engine. The vendor criteria database is configured to store vendor criteria for receiving leads regarding consumers. The web server is configured to request from a consumer a first set of consumer characteristics and a second set of consumer characteristics. The matching engine is configured to compare the consumer characteristics with information in the vendor criteria database in order to match the consumer with one or more vendors so that the system is capable of generating a lead and transmitting the lead to the vendors. If the consumer provides the second set of consumer characteristics, the consumer may be matched to vendors based on the second set of consumer characteristics. Otherwise the consumer may be matched to vendors based on the first set of consumer characteristics.

Abstract: An ATM can receive a media file from a client device and transmit the media file from the ATM to a server. Each of the ATM and the client device can include a master key and the client device can encrypt the media file using the master key before sending the media file to the ATM. The ATM can decrypt the media file using the master key and analyze the media file by a processor of the ATM before transmitting the media file to the server. Analyzing the media file can include one of applying an OCR algorithm to the media file, performing a template algorithm, using a natural language processing technique, using a computer vision method and looking for a watermark.

Abstract: A computerized method for generating a time-limited number for use in a payment card transaction involving a payment card issued by a financial institution. The payment card comprises an original payment card number. A first plurality of digits of the original payment card number is provided to a processor. The first plurality of digits are predetermined digits associated to the financial institution. A desired expiration date through which the time-limited number is valid for acceptance in the payment card transaction is provided to the processor. A program is executed by the processor to set a first plurality of digits in the time-limited number to the first plurality of digits in the original payment card number, generate a first number corresponding to the desired expiration date, set a second plurality of digits in the time-limited number to the first number, and output the time-limited number.

Abstract: Certain embodiments involve generating or optimizing a neural network for risk assessment. The neural network can be generated using a relationship between various predictor variables and an outcome (e.g., a condition's presence or absence). The neural network can be used to determine a relationship between each of the predictor variables and a risk indicator. The neural network can be optimized by iteratively adjusting the neural network such that a monotonic relationship exists between each of the predictor variables and the risk indicator. The optimized neural network can be used both for accurately determining risk indicators using predictor variables and determining adverse action codes for the predictor variables, which indicate an effect or an amount of impact that a given predictor variable has on the risk indicator. The neural network can be used to generate adverse action codes upon which consumer behavior can be modified to improve the risk indicator score.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of managing regulatory questions. The systems and methods receive a question having words and phrases. The systems and methods identify keywords in the question using a knowledgebase. The systems and methods determine closely related questions based on the identification, the closely related questions having answers associated with each question of the closely related questions. The systems and methods perform machine learning on the answers of the determined closely related questions.

Abstract: Computer implemented systems and methods are disclosed for associating records across lists, wherein the lists include a plurality of records and the plurality of records is associated with a respective entity. In accordance with some embodiments, the systems and methods further comprise grouping one or more records from a first list into a first group based on fields of the records in the first list, grouping one or more records from a second list into a second group based on fields of the records in the second list, pairing a record from the first group with a record from the second group, assessing each pair of records based on an evaluation of the respective pair according to fields of the pair, and associating records from the first group and records of the second group with an entity based on the assessment.

Abstract: Novel tools and techniques are provided for implementing accounting platform functionalities. In various embodiments, a computing system might access a data file(s) associated with a first entity from a first accounting software system among a plurality of accounting software systems, each operating based on corresponding one of two or more commercial accounting software that are different from and/or incompatible with each other. The computing system might autonomously extract transaction data corresponding to a transaction entry for each individual transaction. The computing system might autonomously generate a transaction-based trial balance based on the extracted transaction data, the generated transaction-based trial balance serving as a living trial balance that is continually updated based on updated or new transaction data that is accessed from the first accounting software system.

Abstract: A user interface for interacting with multiple databases allows a user to lock or unlock access to their data in multiple databases simultaneously, each database being controlled by a different entity. A user interface server communicates with servers of the multiple databases to request that the consumer's data be locked or unlocked. The user interface server may also report to the consumer the lock status of the consumer's data in each of the multiple databases. To authenticate the user, the user interface for interacting with multiple databases may provide one or more authentication prompts prior to allowing the user to lock or unlock access to their data. The authentication prompts may be provided by one or more of the multiple entities.

Abstract: A method, apparatus and system are disclosed for providing a user with an indication of the user's financial security level. In order to achieve this, the user may be surveyed to provide information related to the user's attributes and current level of financial security. Based on the user's inputs, a financial security tool may generate a financial security score and monetary risk amount that provides an accurate interpretation of the user's financial security level.

Abstract: A system and computer-implemented method for approving a dynamic mortgage application. In one aspect, the method may include determining a customer is approved for a mortgage and determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from a computer file or memory location/address (such as by using a machine learning or artificial intelligence algorithm). The method may still further include comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property; and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets, or exceeds, the calculated appraisal value of the real estate property.

Abstract: Techniques for building and managing data models are provided. According to certain aspects, systems and methods may enable a user to input parameters associated with building one or more data models, including parameters associated with sampling, binning, and other factors. The systems and methods may automatically generate program code that corresponds to the inputted parameters and display the program code for review by the user. The systems and methods may build the data models and generate charts and plots depicting aspects of the data models. Additionally, the systems and methods may combine data models and select champion data models.

Abstract: The disclosure is directed to determining, among a number of estimated market values of a real estate property, an estimated market value (EMV) that is closest to an EMV computed by an application (“application-computed EMV”). The application receives a property profile from a user, e.g., a seller, having pictures and description of a real estate property, e.g., a house. The application publishes the property profile to multiple member agents, e.g., real estate agents, who can provide an EMV of the real estate property based on their opinion. The application determines the application-computed EMV based on a variety of property data, e.g., sales and/or tax history of the real estate property or other related real estate properties, obtained and/or derived from various third party systems. The application then compares the application-computed EMV with member agent-provided EMVs to determine a member agent-provided EMV that is closest to the application-computed EMV.

Abstract: Methods and systems for accessing customer account information involve, for example, binding a computing device with a customer's profile via one or more attributes of the computing device and an encrypted token stored on the computing device and thereafter receiving an authentication request consisting at least in part of the computing device attributes and the encrypted token stored on the computing device. A determination is made as to whether or not entry of a customer credential was received within a pre-determined preceding interval of time, and predefined customer account information is displayed on the computing device without requiring entry of the customer credential when a determination is made that entry of the customer credential was received within the pre-determined preceding interval of time.

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling merchant funded rewards at a POS terminal. Systems and methods are provided for tracking customer activity and determining an appropriate merchant funded reward. The POS terminal may determine an appropriate merchant, funded reward based on location and historical customer transaction data. The merchant may offer a custom reward that promotes customer behaviors that are advantageous to the merchant and other transaction participants. A merchant funded rewards program may be configured to drive incremental sales to merchants that participate in the program.

Abstract: Certain consumers may not have a credit report and, thus, may not be able to enroll in a credit monitoring service. A credit report monitoring system requests a credit report of consumers that are attempting to enroll in a credit monitoring service. If no credit report is located for the consumer, a credit report of the consumer is automatically periodically requested by the system. When a credit report is later located, the consumer may continue with enrollment in a credit report monitoring service. In this way, the consumer is alerted of the (possibly fraudulent) creation of a credit report and is quickly able to enroll in a credit monitoring service.

Abstract: A start fill scheme in a first layer that is initially non-transparent is displayed on a display of a computing device. An end fill scheme in a different second layer that overlaps the first layer and is initially at least partially transparent is displayed on the display. A first transparency value of the first layer is gradually changed to a value corresponding to transparency. A second transparency of the second layer is gradually changed to a value corresponding to non-transparency. Both the first transparency value and the second transparency value are gradually changed during a particular time period. Gradually changing the first transparency value and the second transparency value includes changing the values by a plurality of increments over the particular time period.

Abstract: An apparatus is disclosed which includes a processor and non-transient memory operatively connected to the processor. The memory includes instructions which, when executed by the processor, cause the processor to: receive, from a server hosting a managed services gateway, an authorized funding amount which is based on user account data associated with the user account; transmit a funds transfer request to the server, where the funds transfer request includes a funding amount less than or equal to the authorized funding amount; transmit a funds-transfer confirmation message to the server which causes the managed services gateway to initiate an internal funds transfer on a bank server associated with the user account. The internal funds transfer comprises a real-time transfer of funds from a managed services account owned by a managed services provider to a consumer account associated with the user maintained with the same bank.

Abstract: A method for mobile number credit prescreen is disclosed. The method obtains a phone number associated with a customer's mobile device. The phone number is utilized to access a mobile carrier service and obtain identifying information about the customer. A credit reporting agency is accessed and the identifying information about the customer is used to perform a credit prescreen. In addition, when the customer passes the credit prescreen, the identifying information about the customer and a result of the credit prescreen are used to pre-fill a credit application form. The pre-filled credit application form in conjunction with a pre-approved credit offer is then provided to the customer.

Abstract: Systems and methods for implementing an in-store kiosk device as part of a retail reinvention and self-help care portal are disclosed. The in-store kiosk device may allow a consumer to self-diagnose problems with electronic devices, such as smart phones, and to seek technical or service related assistance with appropriate experts. The in-store kiosk device may also facilitate initiating a communication between the consumer and multiple experts, to help resolve any consumer technical or sales queries. In some examples, the in-store kiosk device has the added advantage of providing consumers with a means to have service or inventory-related issues addressed without having to wait for available in-store service staff. The in-store kiosk device may also facilitate electronic device exchange.

Abstract: A method for generating a directed graph for a transaction in an application, comprising: receiving event information for events included in the transaction at a processor, each event having a link directed from a first endpoint to a second endpoint in the application; assigning an identification (“ID”) number to each event and including the ID number in the event information for each event; based on endpoint, correlating the event information to produce dyadic event information representative of dyadic events, each dyadic event including a first event and a second event associated with the endpoint, the dyadic event information for each dyadic event including a first ID number and a second ID number for the first event and the second event, respectively; based on ID number, combining the dyadic event information to produce correlation fragments associated with the ID number; and, combining the correlation fragments to produce the directed graph for the transaction.

Abstract: Methods, systems, and computer programs are presented for updating the data model of a structural damage predictor after an earthquake. One method includes an operation for identifying features for a structure and fragility functions for predicting structural damage to the structure, the fragility functions being stored in a database. The method further includes an operation for estimating a first damage to the structure after an earthquake utilizing a damage-estimation algorithm and the fragility functions for the structure. One or more of the fragility functions are changed based on the first damage to the structure when the first damage to the structure is above a predetermined damage threshold. The method further includes operations for accessing shaking data for a new earthquake, and for estimating a second damage to the structure after the new earthquake utilizing the damage-estimation algorithm and the fragility functions for the structure.

Abstract: The system and method may receive transaction data for a financial account associated with a user during a first time period and a second time period. A first environmental impact score for the transaction data associated with the user in the first time period may be determined and a second environmental impact score for the transaction data associated with the user in the second time period may also be determined. The first environmental impact score and the second environmental impact score may be compared. The system and method may determine whether there has been a change from the first environmental impact score to the second environmental impact score. In response to a determination that the second environmental impact score is less than the first environmental impact score; a bonus score may be determined for the user.

Abstract: Embodiments disclosed herein are related to computing systems and methods for broadcasting an intent of a first user to a second user of a decentralized network. The computing system and methods are implemented in the decentralized network that implements a distributed ledger that backs one or more decentralized identities (DID) for one or more users of the computing system. Intent from first users of the computing system is received. The intent data defines potential interactions between the first users and second users of the computing system. Broadcast messages are generated. The broadcast messages include a DID for each of the first users and information specifying the potential interactions. The generated broadcast messages are provided to the second users.

Abstract: A payment processing system is configured to expose an API to provide financing terms to a financial institution. The payment processing system receives, via the API, a request from the financial institution to calculate financing terms for providing capital to a merchant based on the merchant's financial history with the payment processing system and/or the financial institution. The payment processing system calculates the financing terms including an approved financing amount and repayment terms, which may include a portion of the transaction processed by the payment processing system or the financial institution to be withheld for repayment of the approved financing amount. The payment processing system transmits the financing terms to the financial institution via the API.

Abstract: Features are disclosed for determining the vocabulary of a user and identifying content items appropriate for the user based on the user's personal vocabulary. The user's vocabulary can be determined by analyzing user-generated textual items. Based on the analysis of such user-generated textual items, a list of words used frequently by the user in the user's own writings can be identified as being in the user's vocabulary. The list of words in the user's vocabulary can be compared to the words in various content items to determine a degree to which the words used in the content are in the user's vocabulary. Content can then be recommended or otherwise determined to be appropriate for the user's vocabulary, identified as challenging, too difficult, or too easy, etc.

Abstract: Systems and methods configured for monitoring and analyzing financial transactions on public distributed ledgers for suspicious and/or criminal activity are disclosed. Exemplary implementations may: access public third-party information for addresses involved in financial transactions; correlate a first portion of the public third-party information with transaction addresses; label the financial transactions and/or the addresses according to characteristics, such that individual ones of the addresses either have been labeled or are unlabeled; cluster the financial transactions and/or the addresses into a set of clusters that includes a first cluster; assign levels of risk for suspicious and/or criminal activity to the addresses and the financial transactions; and responsive to comparisons of levels of risk with a threshold, report transactions for suspicious and/or criminal activity.

Abstract: Techniques of risk-based authentication involve adjusting a risk engine used by a recipient entity based on feedback acquired from multiple entities. Along these lines, both a recipient risk engine and one or more donor risk engines perform risk-based authentication for which respective feedback is generated. The feedback indicates whether certain transaction requests predicted to be fraudulent are confirmed to be fraudulent. The recipient risk engine is then adjusted based on the feedback created for itself, the feedback created for any of the donor risk engines, or some combination thereof.

Abstract: Systems and methods for identifying, filtering, and/or ranking optimal computing devices for performing transactions are described herein. In an embodiment, a server computer receives transactional data describing transactions between a first plurality of computing devices and a second plurality of computing devices. The server computer determines that particular plurality of the transactions is associated with a particular computing device of the first plurality of computing device. The server computer normalizes identifiers of an entity associated with the particular computing device across the particular plurality of the transactions.

Abstract: A request for a most reliable demographic fields data for a selected demographic field associated with an entity may be received at an entity matching system. A plurality of records associated with the entity may be received at the entity matching system. Each of the plurality of records may include at least one demographic field. A demographic field corresponding to the selected demographic field may be identified from the at least one demographic field for each of the plurality of records. A reliability score may be determined for the corresponding demographic field for each of the plurality of records. The corresponding demographic field with the highest reliability score may be determined as the most reliable demographic fields data.

Abstract: Methods and apparatuses for manufacturing a series of dental aligners. These methods generally include coordination of a dental aligner laboratory coordinating early in the pre-approval process for financing the dental aligner series, a third party financing service, and/or a dental practitioner (e.g., dentist, orthodontist, etc.).

Abstract: Systems and methods for using blockchain data for automated underwriting and product issuance are provided. A request is received, via a website, for a personalized quote for a product. The requestor is identified and blockchain data related to the requestor is gathered. The blockchain data includes data pertinent to the personalized quote. The personalized quote is determined based at least in part upon the gathered blockchain data. The personalized quote is then presented via the website.

Abstract: A data processing system communicates with a secure third-party database to obtain information about a user that is usable to determine one or more items associated with the user. The system then coordinates gathering and identification of additional data relevant to the user from other third-party data sources, to potentially update the user's information stored with the secure third-party database. The updated information may then be accessed at the secure third-party database to determine items associated with the user, which may include additional items in view of the additional data.

Abstract: A system and method determines the creditworthiness of a consumer and issues a loan and generates a behavioral profile for that consumer. An initial set of data is acquired from the consumer that includes non-identification attributes without obtaining a full name, a credit card number, a passport number, or a government issued ID number that allows identification of the consumer. A user ID number matches the initial set of data to a physical user in a transaction database. A credit score based on the average credit among a plurality of user profiles is matched to determine a maximum credit for the consumer. A machine learning model may be applied to stored consumer loan data to determine when the consumer requires an increase in the maximum allowed credit and the risk involved with increasing the maximum allowed credit.

Abstract: Detecting threats in a network are provided. A network security monitor obtains records for entities that access a network. The records include attributes associated with the entities. The network security monitor generates clusters from the records using a matching process. The network security monitor classifies a first cluster as a threat cluster. The network security monitor receives, subsequent to generating the plurality of clusters, a record from an entity that access the network. The network security monitor assigns the record to the first cluster using the matching process. The network security monitor detects, responsive to assigning the record to the first cluster, a threat associated with the entity.

Abstract: A method and system for automatic cost assessment of cloud computing resources. A cloud management server computer manages data centers in a smart cloud computing system that provisions computing resources to consumers. The cloud management server computer registers conditions of interest with multiple news sources, receives reports regarding the conditions of interest from one or more of the news sources, and automatically estimates a cost of operating each of the data centers based on the reports. Among the data centers, a first data center is estimated to have a cost increase because of a condition that is reportedly about to occur. The cloud management server computer automatically migrates workload from the first data center to a different data center before the condition occurs.

Abstract: Disclosed herein are system, method, and computer program product embodiments for identifying and managing emerging risks. Businesses, such as those participating in regulated industries, may need to regularly monitor enforcement actions that are cited in a variety of sources. Embodiments disclosed herein provide for scraping information from those sources and comparing it to existing risk events in order to determine possible discrepancies that should be assessed.

Abstract: A system for merging data into a database is disclosed. During operation, the system may fetch a set of data from a data source external to the database. The system may determine that the fetched set of data is unstructured data, and then transform the fetched set of data into structured data. The system may also determine one or more lowest denominators for the fetched set of data, determine that the fetched set of data does not meet the one or more lowest denominators, and transform the fetched set of data to meet the one or more lowest denominators. The system may further determine one or more joinable keys for the fetched set of data, and merge the fetched set of data into the database.

Abstract: The present invention provides a method, system and computer program product for analyzing risks, for example associated with potential data leakage. Risk for activities may be measured as a function of risk components related to: persons involved in the activity; sensitivity of data at risk; endpoint receiving data at risk; and type the activity. Risk may account for the probability of a leakage event given an activity as well as a risk cost which reflects the above risk components. Manually and/or automatically tuned parameters may be used to affect the risk calculation. Risk associated with persons and/or files may be obtained by: initializing risk scores of persons or files based on a rule set; adjusting the risk scores in response to ongoing monitoring of events; identifying commonalities across persons or files; and propagating risk scores based on the commonalities.

Abstract: A system, method and computer-readable medium for generation of missing data including transmitting indicators corresponding to locations of missing data in columns in tables of a database, each location of missing data corresponding to categorical values of categorical columns and each location of missing data being identified based on an expected count of data values at the corresponding location, receiving a selection of at least one indicator corresponding to at least one location of missing data, the at least one location of missing data corresponding to two or more categorical values of two or more categorical columns in the categorical columns, and generating sets of data records in at least one table in the tables of the database, each set of data records having two or more column values in two or more columns that correspond to the two or more categorical values of the two or more categorical columns.

Abstract: Computerized systems and methods for efficiently refreshing financial data for financial accounts for login identifications of users at respective financial institutions in a batch data pull via a communication network. The login identifications are prioritized for being refreshed based on determining a probability that each login identification has a new transaction since the last successful refresh of the login identification using a learning algorithm utilizing past financial data. The login identifications are then refreshed in a batch data pull from the financial institutions in an order from highest probability to lowest probability of having a new transaction since the last batch data pull.

Abstract: Techniques to capture document data are disclosed. It is determined that a sequence of pages in a stream of document page images comprise a single multi-page document. Data is extracted from two or more different pages included in the sequence. The data extracted from two or more different pages included in the sequence of pages is used to populate a data entry form associated with the multi-page document.

Abstract: Using a method of operating a system that includes remote servers, and at least one electronic device, a user verbally instructs the electronic device to activate a function. The system uses the remote servers and other parts of the system to determine that the function is not currently enabled and requires a user-acknowledgment to terms of use before the function is enabled. The system provides information on the terms of use and solicits a user-acknowledgment to the terms of use. The user provides a verbal acknowledgment of the terms of use and the verbal acknowledgment is received and stored in a persistent data store.

Abstract: Information analysis and display systems and methods include receiving first financial information regarding a user, and calculating a target home price based on the received financial information. A user interface display is generated that displays the target home price, and modifications to the target home price from the user are received via the user interface. Homes for sale are evaluated based on the target price.

Abstract: Determining an entity's cybersecurity risk and benchmarking that risk includes non-intrusively collecting one or more types of data associated with an entity. Embodiments further include calculating a security score for at least one of the one or more types of data based, at least in part, on processing of security information extracted from the at least one type of data, wherein the security information is indicative of a level of cybersecurity. Some embodiments also comprise assigning a weight to the calculated security score based on a correlation between the extracted security information and an overall security risk determined from analysis of one or more previously-breached entities in the same industry as the entity. Additional embodiments include calculating an overall cybersecurity risk score for the entity based, at least in part, on the calculated security score and the weight assigned to the calculated security score.

Abstract: An apparatus and computerized method for automated loan origination processing via a computer system with communications devices for receiving loan application data and user provided information. Logic mechanisms programmed to automatically generate a loan origination compliance task workflow having an organized sequence of a plurality of compliance tasks in response to the loan application data received from a user. Receiving at a central computer server a loan application having information provided by the user via the user computer terminal and acquiring at the central computer server electronic data relating to the user from one or more databases responsive to receiving the user loan application information. Initiate a review process for the loan application utilizing the user provided information and data acquired from the one or more databases and render an approval decision for the electronic loan application based upon the review process.

Abstract: A data controller (DC) system including one or more data controller (DC) computing device for authenticating a user is provided. The DC system is configured to receive first crypto key data associated with a first transaction including encrypted on-device biometric data, and a first account identifier, store the first crypto key data as historical crypto key data, and receive an authentication request message for a second transaction including second crypto key data which includes a second account identifier. The DC system is further configured to correlate the second crypto key data to the historical crypto key data, match the first account identifier to the second account identifier, determine a fraud score for the second transaction, automatically generate an authentication response message including the fraud score, and transmit the authentication response message.

Abstract: Systems, methods, and computer program products are provided for directing cash flows associated with a mortgage-backed security to back other securities without collapsing the original mortgage-backed security. A mortgage-backed security/an/or a set of loans is analyzed to identify cash flows from mortgages having specific desirable characteristics, and the cash flows are directed to subgroups or pools that support new mortgage-backed securities. The new securities make the desirable cash flows available to an issuer or prospective investor without collapsing the original mortgage-backed security.

Abstract: Systems, methods, and computer readable media are disclosed for generating, modifying, and using machine learning models to predict and evaluate differences between groups. Methods disclosed herein may include identifying variables that characterize members of a first group, generating shift indicators using the identified variables, generating a machine learning model using the shift indicators and the first group, using the machine learning model and the group to predict shifts between the first group and a predicted second group, determining an aggregate population shift and an aggregate performance shift between the first group and an actual second group, and identifying an impact of one or more of the shift indicators on the aggregate population shift or performance shift. Systems and methods disclosed herein may be configured to receive requests to predict and evaluate differences between group, and to return such predictions and evaluations to one or more users.

Abstract: The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions. The method may also include receiving, from the customer device, a responsive loan application document. The method may also include identifying a document type for the responsive loan application document and confirming that the responsive loan application document is a valid document. Finally, the method may also include sending loan application status information to the customer device based on the confirmation.

Abstract: An embodiment of the invention provides a system and method for a transaction system supporting universal ticket solutions for transportation. A fund managing device determines whether a first fund of an account of a user has sufficient credit to satisfy a transportation fee imposed by a first city. The account of the user includes separate funds for different cities, where the funds include credit in different national currencies. An account managing device determines whether other funds of the account of the user have additional credit to satisfy the transportation fee imposed by the first city when the first fund of the account of the user does not have sufficient funds to satisfy the transportation fee imposed by the first city. A financial managing device determines costs for transferring credit to the first fund from the other funds of the account of the user.