Abstract: A computer-implemented method for navigating an automated process using audio and tactile feedback is presented. The method includes capturing conversational audio originating from a client computing device and extracting data elements from the conversational audio. The method include matching the extracted data elements to a set of predefined data categories and determining one or more remaining data categories from the set of predefined data categories to satisfy the requirements of a transaction type. The method further includes determining a next best question addressing at least one of the remaining data categories. In one embodiment, the method may relate to enhancing an online customer experience, and help a customer obtain a quote for insurance products, submit an insurance claim, and/or wirelessly communicate with an insurance provider via a mobile device to adjust or acquire insurance policies, such as auto, home, health, renters, or life insurance and/or acquire vehicle or home loans.

Abstract: Methods and systems for improving vehicular safety by notifying vehicle operators of location-based risks are provided. According to embodiments, a processing server may receive an initial location of a vehicle. Based on location data associated with the initial location, the processing server can determine the risk of an incident. The processing server can generate a notification to communicate to the vehicle operator, and the vehicle operator can assess the risk and take action to mitigate the risk, for example by relocating the vehicle. The processing server can receive updated location data for the vehicle and can determine, based on the updated location data, that the risk has been mitigated.

Abstract: Electronic display systems, including roadside display devices, vehicle-based devices, personal mobile devices, intermediary servers, advertising servers and/or networks, and/or additional external data sources may operate individually or in combination to identify one or more vehicle locations, driving routes, driver and passenger characteristics, driving behavior and patterns, telematics data, and the like. Vehicle and individual characteristics and/or telematics data may be determined based on data received from traffic cameras, vehicle-based devices, personal mobile devices, telematics devices, and/or other data sources, including software applications.

Abstract: Systems and methods are disclosed for determining a probability of an adverse event that will occur in a future. The system may determine a geographical location of a vehicle based on data indicating the geographical location of the vehicle received from the vehicle and sensed by a vehicle sensor of the vehicle; determine an environment of the geographical location of the vehicle; determine vehicle attributes of the vehicle; link the environment of the geographical location of the vehicle and the vehicle attributes; and based on a link between the environment of the geographical location of the vehicle and the vehicle attributes, determine a probability of an adverse event that will occur in a future.

Abstract: A method, apparatus and computer program product are provided for calculating closing metrics regarding a contract between a promotion service and provider. A promotional system may calculate a probability of closing, and an estimated time to close. The promotion service may offer a promotion to consumers for a discounted product or service, to be honored by the provider. A category, lead source, historical data, stage in sales, and/or size of the provider may be used in calculating a probability of close and/or time to close. An example method may comprise supplying a classifying model with a dataset, wherein the dataset comprises an identification of a provider and attributes corresponding to the provider and identifying a class of the provider in accordance with the plurality of corresponding attributes, wherein the identification is determined based on one or more patterns determinative of a return rate by the classifying model.

Abstract: A rental self-service (“RSS”) computer system for enabling a policyholder of an automobile insurance policy to initiate an insurance replacement rental reservation after submission of an initial loss claim is provided. The RSS computer system includes a processor in communication with a memory. The processor is programmed to: (i) retrieve policyholder insurance data from an insurance provider database using a claim identifier associated with the initial loss claim submission, and a policyholder identifier associated with the policyholder; (ii) verify that the policyholder is eligible to receive an insurance replacement rental; (iii) cause to be displayed on a user device associated with the policyholder a searchable interface configured to enable the policyholder to search for at least one vendor location; (iv) receive a selected vehicle class inputted by the policyholder; (v) calculate a policyholder cost; (vi) display a cost summary; and (vii) receive confirmation of a rental reservation request.

Abstract: Methods and systems to search a data source based on compatibility with an application. The system receives a first query that includes keywords and identifies at least one keyword in the first query as application information. The application information describes a first application. Next the system infers remaining keywords in the first query as item information that describe a first item that is sought on a network-based marketplace. The first item is a part that is compatible with the first application. Next, the system searches a data storage device to identify a first listing on the data storage device as matched. The first listing includes an item for sale on the network-based marketplace and listing item information that matches the item information in the first query. The first listing further includes listing application information that is matched based on the application information.

Abstract: There are provided mechanisms and methods for maintaining data stored in a data structure. These mechanisms and methods for maintaining data stored in a data structure can provide maintenance operations with improved efficiency, functionality, etc.

Abstract: Techniques are provided for visualizing user access data and for configuring and enforcing location-based access policies.

Abstract: A system processes a set of images to verify whether the images depict a type of property damage, such as hail damage from a hail storm. The system receives digital images of a roof or other facet of the property that were taken by an image capturing device after the storm event. The system also receives storm data relating to the storm event and claim data related to a property damage claim. The system uses the claim data to process the digital images to automatically identify damage to the roof or other facet. The system then analyzes the storm data to determine whether the damage is consistent with an actual, naturally-occurring storm event, and it generates a report depicting its findings.

Abstract: Disclosed is a computing architecture and method for operating and managing a health care plan from a mobile device or web browser. The present invention provides an architecture that facilitates customer access to affordable, personalized health care, along with the efficient processing of claims.

Abstract: Appearance data of a target entity is collected as appearance data, where the target entity comprises a physical entity capable of accessing, as a member, a blockchain. The appearance data is registered in a distributed database associated with the blockchain as an identity of the target entity. A target transaction initiated by a member node device in the blockchain is received, where the target transaction comprises the appearance data of the target entity that is collected by the member node device and a service event that is related to the target entity and that is detected by the member node device. A smart contract that corresponds to the service event is invoked. Based on the identity indicated by the appearance data of the target entity, service logic stated in the smart contract is executed.

Abstract: A method of and system for controlling operations of a car wash is disclosed herein, wherein a tertiary computing device of the system can be positioned at an upstream end of a tunnel of a car wash. A secondary server computing device of the system can also be positioned on-site with the car wash. A primary server computing device of the system can be positioned off-site of the car wash. The computing devices of the system can allow a consumer to select.

Abstract: A driving management system includes an authentication server, and a vehicle capable of switching between a manual driving mode and an automatic driving mode. The vehicle includes multiple electronic control processors connected to a network inside the vehicle, a first processor that detects switching between the manual driving mode and the automatic driving mode, based on messages issued by one or more electronic control processors of the multiple electronic control processors, and the first processor generates first transaction data including information indicating the detected switching, and a first identifier indicating the vehicle, and transmitting the first transaction data to the authentication server. The authentication server includes a second processor that judges the validity of transaction data including the first transaction data obtained from the vehicle, and the second processor records the transaction data, of which the validity has been verified by the second processor, in a storage device.

Abstract: A building quality inspection system includes a controller, a drone, and a robot that are communicably connected to one another. The controller includes circuitry configured to, when exterior of a building is inspected, sends an inspection objective to the drone to instruct the drone to carry out a visual inspection of the exterior of the building, receives inspection data collected by the drone during the visual inspection of the exterior of the building, extracts a location where damage is suspected from the inspection data collected by the drone, sends the location where damage is suspected to the robot to carry out an exterior inspection at the location where damage is suspected, receives inspection data collected by the robot during the exterior inspection, and determines current quality of the exterior of the building based on the inspection data collected by the drone and the robot.

Abstract: Various examples are provided related to identification and management of compliance-related information associated with data breach events. In one example, a method includes receiving a first data file collection associated with a first data breach event; generating information associated with presence or absence of protected information elements of all or part of the first data file collection and incorporating data files including the protected information elements in a second data file collection; analyzing data files selected from the second data file collection; and incorporating the information associated with the analysis into machine learning information that may be used for subsequent analysis of data file collections.

Abstract: Methods and systems for determining the effectiveness of one or more autonomous (and/or semi-autonomous) operation features of a vehicle are provided. According to certain aspects, information regarding autonomous operation features of the vehicle may be used to determine an effectiveness metric indicative of the ability of each autonomous operation feature to avoid or mitigate accidents or other losses. The information may include operating data from the vehicle or other vehicles having similar autonomous operation features, test data, or loss data from other vehicles. The determined effectiveness metric may then be used to determine part or all of an insurance policy, which may be reviewed by an insured and updated based upon the effectiveness metric.

Abstract: According to some embodiments, data may be received indicative of a plurality of insurance claims along with an indication of an appropriate claim segment classification for each insurance claim. A first claim handler may then be automatically selected for a first insurance claim based at least in part on: (i) a first segment classification associated with the first insurance claim, (ii) numbers of other insurance claims currently assigned to claim handlers, and (iii) load factors associated with claim handlers. An indication of the selected first claim handler may then be transmitted.

Abstract: Present invention discloses a system and method that allow users to manage and keep track of the inventory items stored inside a closed container through computer vision, digital imaging processing and recognition and scanning means wherein the user can catalogue items to be stored and later able to locate the items stored inside a container anytime, anywhere without having to open the container or come to the storage location. The system uses the camera of the user mobile device to function towards its working process. Specifically, this invention integrates digital images taken from the user's mobile device with that of an improved computer vision scanning means that can readily scan any handwritten mark or label drawn or affixed on the exterior of the box to display the details of the items stored inside it. Disclosed invention is configured to run on any handheld devices such as smart phones and routed to the mobile application for display to a user.

Abstract: A system may include a display and a processor. The display may be configured to present images to a user, the display in an ownship. The processor may be communicatively coupled to the display and in the ownship. The processor may be configured to: receive aircraft traffic data and ownship data; at least one of determine or adjust a threshold range based at least on the aircraft traffic data and the ownship data, the threshold range representing a time or distance threshold to designated traffic; generate and update a graphical threshold indicator, the threshold indicator representing a time or distance from the threshold range to the designated traffic; and output the graphical threshold indicator as graphical data to the display. The display may be configured to display the graphical threshold indicator to the user.

Abstract: A method, computer program product, and computing system for monitoring one or more environmental variables concerning a client electronic device configured to administer an alertness test to a user. A disrupter is selected for inclusion within the alertness test based, at least in part, upon the one or more environmental variables concerning the client electronic device. The alertness test is administered to the user.

Abstract: Methods and systems for facilitating loss reporting and resolution are described. In some embodiments, a method includes identifying a bounded geographical area affected by a weather event potentially causing property losses to customers of an insurer. The weather event may have an intensity profile in the bounded geographical area. The method further includes generating a customer density profile in the bounded geographical area and predicting resource utilization based on the customer density profile and the weather event intensity profile in the bounded geographical area.

Abstract: A method for providing transaction details for payment transactions indicative of offer redemption includes: receiving an offer listing including at least one merchant offer entry, wherein each entry includes an offer identifier and an indication of a valid merchant with which a corresponding offer for goods or services may be redeemed; receiving an offer linking notification including a consumer identifier and an indication of a selection of an offer corresponding to a specific merchant offer entry by a consumer associated with the consumer identifier; identifying a merchant identifier, wherein the merchant identifier corresponds to the valid merchant indicated in the specific merchant offer entry; storing a transaction processing rule, the rule including the identified merchant identifier and the consumer identifier; and transmitting transaction details for a payment transaction included in an authorization request, wherein the authorization request further includes at least the identified merchant identifi

Abstract: A server application, in particular an electronic marketplace for access by a user to information, data, and/or services that are provided by at least one provider as an offering in the server application. The server application is configured for checking the plausibility of the privacy statements based on a comparison of privacy statements for the information, the data, and/or the service to data protection-relevant metainformation of the associated offering.

Abstract: An insurance management system receives, from a client device, at least one image of an insurance card associated with the user operating the client device. The insurance management system extracts features from the at least one image and generates a feature vector associated with the at least one image. A machine learning model receives the feature vector as input and outputs a classification comprising an association with an insurance plan. The insurance management system receives historical medical information that is specific to the user and indicates a current medical condition of the user and evaluates the insurance plan of the user in view of their historical medical information. Based on the evaluation, the insurance management system provides a recommendation that comprises one or more alternative insurance plans or one or more alternative pharmacies.

Abstract: Systems and methods are described herein for facilitating the review of messages (e.g., text messages, instant messages, chat messages, and so on) via a keyboard application of a mobile device. The message review system can facilitate a review of a message before it is sent to a recipient (e.g., a recipient of a text message or another user within a chat conversation).

Abstract: A method for detecting events occurring during operation of a vehicle includes monitoring a plurality of variables during operation of the vehicle via an installed device fixedly attached to the vehicle. The method further includes receiving indications of the plurality of variables from the installed device at a mobile device and analyzing the received indications of the plurality of variables to detect if an accident involving the vehicle has occurred. Still further, the method includes, upon detecting the event, transmitting an indication that the accident has occurred and at least some of the indications of the plurality of variables to an entity outside the vehicle and receiving an insurance claim associated with the accident from the entity outside the vehicle.

Abstract: Embodiment of the present invention provides a systems and methods for completing travel plans after a personal vehicle failure. The system receives a request from a disabled vehicle and determines at least a first destination of one or more users associated with the disabled vehicle based on user input. Then the system determines a second destination of the disabled vehicle based on the user input and analyzes the user input and generating a list of rescue plans. Then it transmits the list of rescue plans to the one or more users and receives a selection by the user. Furthermore, it sends instructions to a service provider associated with the selected rescue plan to deliver the one or more users to the first destination and the disabled vehicle to the second destination.

Abstract: A method or system is capable of detecting operator behavior (“OB”) utilizing a virtuous cycle containing sensors, machine learning center (“MLC”), and cloud based network (“CBN”). In one aspect, the process monitors operator body language captured by interior sensors and captures surrounding information observed by exterior sensors onboard a vehicle as the vehicle is in motion. After selectively recording the captured data in accordance with an OB model generated by MLC, an abnormal OB (“AOB”) is detected in accordance with vehicular status signals received by the OB model. Upon rewinding recorded operator body language and the surrounding information leading up to detection of AOB, labeled data associated with AOB is generated. The labeled data is subsequently uploaded to CBN for facilitating OB model training at MLC via a virtuous cycle.

Abstract: A computer device and method for processing risk related data to affect changes to an insurance policy whereby one or more terms of an insurance policy associated with an insured and informatic data from a plurality of sensor devices are received by a computer processor. Analysis is performed on the received informatic data to determine a risk assessment value regarding the insured and/or other risks relevant to the insurance policy, such as a dwelling. Predefined business rules are then applied using at least the determined risk assessment value to determine if conditions have been met to allow or require modification of the insurance policy whereafter modification of one or more terms of the insurance policy is performed if the insurance policy associated with the insured permits modification.

Abstract: A method and system may assess the damage to infrastructure using aerial images captured from an unmanned aerial vehicle (UAV), a manned aerial vehicle (MAV) or from a satellite device. Specifically, an item of infrastructure may be identified for assessing damage. The UAV, MAV, or satellite device may then capture aerial images within an area which surrounds the identified infrastructure item. Subsequently, the aerial images may be analyzed to determine a condition and the extent and/or severity of the damage to the infrastructure item. Furthermore, the aerial images along with indications of the extent of the damage may be displayed on a computing device, where one indication of the severity of the damage surrounds another indication of the severity of the damage on the display.

Abstract: A system for generating and managing usage-based contracts using blockchains configured to (i) store an insurance contract for a currently occurring or upcoming trip, where the insurance contract is to insure the driver, passenger, and/or vehicle during the trip, where the insurance contract includes terms, conditions, or other clauses (e.g., mileage limitations, limitations on autonomous vehicle operation, etc.) and is in a blockchain structure, and where several nodes store copies of the insurance contract in the blockchain structure; (ii) receive, from the driver and/or (autonomous) vehicle, a requested modification of one or more terms, conditions, or other clauses of the insurance contract, (iii) transmit the requested modification to an insurance auction network, (iv) receive a response to the request from the insurance auction network; and (v) store the response in a new block in the insurance contract (e.g., a smart contract) to facilitate providing trip insurance in a transparent manner.

Abstract: Aspects of the disclosure relate to processing remotely captured sensor data. A computing platform having at least one processor, a communication interface, and memory may receive, via the communication interface, from a user computing device, sensor data captured by the user computing device using one or more sensors built into the user computing device. Subsequently, the computing platform may analyze the sensor data received from the user computing device by executing one or more data processing modules. Then, the computing platform may generate trip record data based on analyzing the sensor data received from the user computing device and may store the trip record data in a trip record database. In addition, the computing platform may generate user record data based on analyzing the sensor data received from the user computing device and may store the user record data in a user record database.

Abstract: Systems, methods, and computer-readable media are disclosed for systems and methods for automated detection and extraction of nutrition information for food products. Example methods may include identifying at least a first image comprising nutritional data, generating a second image including a first portion of the first image, and generating a third image including a second portion of the first image. Some embodiments may include generating a fourth image using the second image, generating a fifth image using the third image, determining, using at least one of the second image and the fourth image, the first text, determining, using at least one of the third image and the fifth image, the second text, and causing at least a portion of the first text and a portion of the second text to be stored in association with a product identifier.

Abstract: A computer-implemented method is used for: exchanging a first portion of digital currency tokens with an investor for a first fiat currency; designating a second portion of the digital currency tokens as a reserve; determining that a funding period is over and a minimum funding requirement is met; determining a value of the digital currency tokens; receiving an insurance premium from an insurance policy holder; transferring a risk pool premium to an insurance policy risk pool; exchanging an amount of the risk pool premium for risk pool tokens; receiving an approved policy claim associated with an insurance policy; transferring a second amount of the risk pool premium to the insurance policy holder; exchange an amount of risk pool tokens for an amount of a third fiat currency of equal value.

Abstract: The present application discloses example methods and systems. In one example method, sound wave information associated with a data transmission is monitored within a predetermined distance from the client device, where the sound wave information including predetermined security information. In response to detecting sound wave information associated with a data transmission, the sound wave information is parsed to obtain the predetermined security information included in the detected sound wave information. Pattern information is generated based on the predetermined security information and data information to be sent. The generated pattern information is then displayed so that a second device can obtain the generated pattern information.

Abstract: An electronic platform to measure a maturity or level of an entity in view of regulatory and business risks relating to regulatory compliance. The methods and systems can collect various data (e.g., regulatory agency reports, regulatory agency warning letters (e.g. FDA warning letters), internal and vendor company audit results, fines and settlement information, country business risks, regulatory agency product recalls, etc.) from various different data sources. The collected information is analyzed using machine learning techniques to determine a risk compliance level or score for one or more of an entity's companies, functions, control types, and locations arising from regulatory audit non-conformances. The risk compliance scores can be used to generate a risk prediction and identify one or more actions to be taken by the entity to improve or increase an associated compliance level.

Abstract: A system includes a processor configured to instruct image capture of a vehicle from a plurality of predefined perspectives, the perspectives defined to result in images providing a 360 degree capture of a vehicle surface. The processor is also configured to receive a plurality of images, at least one from each perspective, of a vehicle from a mobile device camera. The processor is further configured to build a 3-D model of the vehicle surface from the images and compare the 3-D model to a stored reference model of the vehicle surface in order to recognize damage to the vehicle.

Abstract: A method of valuating a plurality of digital content items and offering the valuated plurality of digital content items for sale to consumers on devices connected to a network, the method including: on a processor connected to the network receiving the plurality of digital content items; for each received content item: establishing a plurality of attributes from content and characteristics of the content item; establishing a lifetime indicating span of consumers interest in the content item; producing a valuation function for calculating a market value of the content item during its lifetime by finding and ranking nearest one or more previously processed content items having the plurality of attributes with closest similarity to the plurality of attributes of the received content item, performing weighted averaging of the valuation functions produced for the nearest one or more of the previously processed content items; and adapting, using “edge cutting” adaptation, the produced valuation function to a market

Abstract: Various devices are described, which are configured to use telematics data from one driver to facilitate safer vehicle travel for another driver. A remote server may include (1) a communication unit configured to receive a broadcast including telematics data generated and transmitted from a first mobile device or smart vehicle; and (2) a processor configured to determine (i) a travel event; (ii) a GPS location of the travel event; and/or (iii) an estimated or actual geographical or temporal scope of the travel event from computer analysis of the telematics data. The remote server may transmit a travel event-related wireless communication to a second mobile device or smart vehicle to facilitate safer vehicle travel for a second driver or vehicle based upon the telematics data associated with the first driver/vehicle. Insurance discounts may be provided for individuals or vehicles based upon having or using the risk mitigation or prevention functionality.

Abstract: Systems and methods of detecting fraudulent activity including skimmers adapted to compromise transacting devices such as automated teller machines (ATMs) are disclosed. In one embodiment, an exemplary computer-implemented method may comprise generating a database of information regarding risk levels of a plurality of transacting devices, determining that a subject device has a risk level higher than a risk threshold, providing a push notification to a mobile device proximal to the subject device, executing a software application executed by the mobile device for gathering information and transmitting feedback regarding the subject device, and providing an incentive, upon receipt of the feedback, to an account or device associated with an individual involved with the feedback or interaction with the device.

Abstract: An augmented reality-based horticultural care tracking system to collect information about plants on a per plant or near per plant basis in order to identify issues and generate itineraries that include task lists for remedial courses of actions is disclosed. A network-enabled augmented reality device can be employed by operators of various growing operations in order to overlay digital information such as tasks, images, and related information in a real-time environment. The augmented reality device can communicate with administrative personnel at an operating station and/or intermediate servers in the network in order to send and receive status updates and notifications to properly execute the tasks in the itinerary and evaluate the courses of actions' efficacy.

Abstract: A computing device programmed to receive and use event data, such as hurricane, earthquake, fire, flood, and storm event data, and map that data to computer display map along with insured data related to an insurance portfolio that can also be mapped by geographic area and value, so that a user can quickly determine the exposure to a portfolio from an event. The event can be either a real-time event or a historical event.

Abstract: System and method for providing personalized, time-varying layered bundles of computer records to users. The system includes personalized servers, a communications network, user interfaces, and client devices employed by users. The personalized server includes a needs analysis module, a bundle building module, and an bundle generating module. A method of providing personalized bundle of computer records includes receiving a request for a personalized bundle of computer records, and requesting user needs data associated with the client. The method further includes converting the user data into determined needs data, and building a bundle of computer records personalized to the user using the determined needs data, which may include a determined needs timeline. The personalized, time varying bundle of computer records includes a plurality of computer records and plurality of types of bundles of computer records represented in the determined needs data.

Abstract: A computer-implemented method for presenting relevant information to a customer service representative of a business may include receiving a digitized data stream corresponding to a spoken conversation between a customer and a representative; converting the data stream to a text stream; determining one or more keywords from the text stream; comparing the one or more keywords with a history of keywords that have previously been searched; and/or searching a database for information related to the one or more keywords that have not been previously searched. As a result of the keyword search, information about topics that the customer is interested in, may be located and displayed on a customer service representative display to facilitate the customer service representative timely relaying the information found by the keyword search to enhance the customer experience. Exemplary keywords may relate to insurance and financial services, such as “auto,” “home,” “life,” “insurance,” or “vehicle loan.

Abstract: Systems, methods, and apparatuses for processing multi-party insurance claim payouts are provided. A method includes receiving, by a processing circuit, an electronic insurance claim payment request based on an insurance claim regarding an insured entity; evaluating, by the processing circuit, the electronic insurance claim payment request; and facilitating, by the processing circuit, a dispersal of an amount of funds based on the electronic insurance claim payment request to the insured entity.

Abstract: An information processing apparatus includes a processor. The processor is configured to acquire traveling status information indicating a traveling status of a vehicle from the vehicle and determine a driving behavior of a driver of the vehicle based on the traveling status information that a driving assistance function is determined to be not in operation.

Abstract: A method for controlling functions in a transportation vehicle wherein a driving behavior of a driver is determined. To be able to classify the driving behavior of the driver, a driving behavior of other drivers is also provided. The driving behavior of the one driver is evaluated based on the driving behavior of the other drivers for at least one specific driving situation, and functions in the transportation vehicle are actuated based on the evaluation thereby achieving a comfortable adjustment of the functions for the driver.

Abstract: Appearance data of a target entity is collected as appearance data, where the target entity comprises a physical entity capable of accessing, as a member, a blockchain. The appearance data is registered in a distributed database associated with the blockchain as an identity of the target entity. A target transaction initiated by a member node device in the blockchain is received, where the target transaction comprises the appearance data of the target entity that is collected by the member node device and a service event that is related to the target entity and that is detected by the member node device. A smart contract that corresponds to the service event is invoked. Based on the identity indicated by the appearance data of the target entity, service logic stated in the smart contract is executed.

Abstract: A universal subscriber identity module (USIM) management device includes a communication interface, a storage configured to store an issue date indicating a date on which a USIM is installed into an industrial communication terminal, and an operation processor. The operation processor is configured to execute: (a) receiving the issue date from at least one among the industrial communication terminal and a subscriber management system in a mobile communication network to which the industrial communication terminal is connected, and storing the received issue date in the storage; (b) receiving USIM usage information from the industrial communication terminal through the communication interface; and (c) determining whether to replace the USIM based on the issue date and the USIM usage information.