One example method includes obtaining, based on network activity related to an object deployed within a networked environment, a number of threat events for the object and a corresponding set of severity scores. An aggregate risk score can be generated for the object based on the number of threat events and the corresponding severity scores. The aggregate risk score can be refined based on at least one weighting parameter to obtain an intermediate score. The intermediate score can be scaled, using a scaling function, to obtain an overall risk score that represents a value within a predefined numerical range. Access of the object to system resources can be controlled based on whether the overall risk score exceeds the predetermined risk threshold value, with access being allowed when the overall risk score exceeds the predetermined threshold and access being restricted when the overall risk score does not exceed the predetermined threshold.
There is provided a computer implemented method, system and device for automatically generating a machine learning model for forecasting a likelihood of compromise in one or more transaction devices and subsequently triggering performing an action on one or more related computing devices based on a potentially compromised transaction device.
G06Q 10/04 - Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
G06F 18/213 - Feature extraction, e.g. by transforming the feature space; Summarisation; Mappings, e.g. subspace methods
G06F 18/214 - Generating training patterns; Bootstrap methods, e.g. bagging or boosting
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
3.
SYSTEM AND METHOD FOR PROVIDING MULTI-CHANNEL AUTHENTICATION
Computing platforms, methods, and storage media for providing multi-channel authentication are disclosed. Exemplary implementations may: receive, from a plurality of system access channels, authentication data related to a plurality of data transfers and to a plurality of users; consolidate the authentication data from the plurality of access channels to generate a set of consolidated authentication data; and generate a user interface, based on the set of consolidated authentication data, to enable execution of a centrally-provided authentication function at a selected system access channel for a selected user initiating a data transfer. An authentication hub according to an implementation may provide a common authentication experience and improved authentication for the plurality of access channels, which may include a telephone contact center, an in-person or branch location, and online services such as web-based or app-based.
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
To improve processing of the multi-event time-series data, information about each event type is aggregated for a group of time bins, such that an event bin embedding represents the occurring events of that type in the time bin. The event bin embedding may be based on an aggregated event value summarizing the values of that event type in the bin and a count of those events. The event bin embeddings across event types and time bins may be combined with an embedding for static data about the data instance and a representation token for input to an encoder. The encoder may apply an event-focused sublayer and a time-focused sublayer that attend to respective dimensions of the encoder. The model may be initially trained with self- supervised learning with time and event masking and then fine-tuned for particular applications.
A computer-implemented method is disclosed. The method includes: receiving a first request to initiate a first customer service session; establishing a primary web socket connection between a first web server and service agent terminal; establishing a first communication sub-channel associated with the primary web socket connection, the first communication sub- channel corresponding to the first customer service session; receiving a second request to initiate a second customer service session; in response to receiving the second request: establishing a second communication sub-channel associated with the primary web socket connection, the second communication sub-channel corresponding to the second customer service session.
Computational systems and methods are provided to automatically assess residual characteristics of an existing machine learning model to identify and determine suboptimal pockets and augmentation strategies. A computing system, device and method for optimizing a machine learning model for performing predictions is provided. The computing device performs sub-optimal pocket identification on an existing machine learning algorithm by residual analysis to calculate an error. The computing device utilizes the residual as a target for an ensemble tree model and automatically generates a set of interpretable rules from the tree based ensemble model that contribute to the suboptimal pockets. The rules indicating relationships between features and interactions as well as values for the sub-optimal pockets. The computing device determines optimizations for improving the machine learning model based on the interpretable computer-implemented rules.
A method may include: detecting a predicted resource availability condition associated with a first account by determining that an accumulated resource amount associated with a resource transfer expected to be scheduled to occur at a future time is expected to be available; in response to detecting the predicted resource availability condition, providing a selectable interface feature on a computing device, the selectable interface feature configured for inputting an early access instruction to request immediate release of at least a portion of the accumulated resource amount; receiving the early access instruction; and in response to receiving the early access instruction, sending a request-to-transfer message to a second account, the second account identified as being associated with the resource transfer expected to be scheduled to occur, the request-to-transfer message requesting a transfer of an amount of resources that is less than or equal to the accumulated resource amount.
Computing platforms, methods, and storage media for providing third party access to a co- branded product in a system are disclosed. In an example, a system may receive, at a system of a first entity, registration information of a user registered with a second entity. The system may comprise a record associating the user with a co-branded product jointly provided by the first entity and the second entity. The system may validate, using at least one hardware processor, the registration information at the system based on the record. The system may initiate, using the at least one processor, in response to a successful validation of the registration information, a new user session having a co-branded product session identifier where the new user session provides access to the user to the co-branded product in the system.
Computing platforms, methods, and storage media for performing an information technology security risk assessment are disclosed. Exemplary implementations may: provide a tool assessment interface for receiving model data associated with a software tool; obtain the model data for the software tool; perform a software tool risk assessment based on the model data and independent from the tool-specific functionality data; generate a model-based risk determination based on the software tool risk assessment; and output the model-based risk determination via the tool assessment interface. Exemplary implementations may use model data to perform a software tool risk assessment, rather than a model assessment, without requiring disclosure of confidential functionality details associated with the software tool, such as relating to artificial intelligence or machine learning. Exemplary implementations may pre- populate a first set of data in the interface and prompt a vendor to obtain a vendor- provided second set of model data via the interface.
A system, method, and computer readable medium for implementing micro- application environments is disclosed. The exemplary method includes providing a browser container ("browser"), and providing at least one micro-application for operating within the browser. The method includes providing a plug-in for the browser. The plug- in configured to listen to events originating in, or push events to, the at least one micro- application. The method includes storing, via the plug-in, documentation of events that each of the at least one micro-application subscribes to. The method includes determining, via the plug-in, occurrence of a first event, the first event being subscribed to by the at least one micro-application, and in response to determining the occurrence, generating, via the plug-in, a message to the at least one micro-application based on the event. The method includes executing, via the at least one micro- application, a new action in response to receiving the message.
Methods and computer systems for managing access to resources in a computing environment. Detecting a projected overload condition from a projected demand for a resource. Identifying a server associated with a resource demand scheduled to be fulfilled prior to the projected overload condition. Generating a rescheduling request to reschedule the resource demand until after the projected overload condition. Sending the rescheduling request to the identified server. Providing access to the resource at a rescheduled time.
H04L 67/62 - Establishing a time schedule for servicing the requests
H04L 47/122 - Avoiding congestion; Recovering from congestion by diverting traffic away from congested entities
H04L 51/07 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail characterised by the inclusion of specific contents
12.
SYSTEMS AND METHODS FOR REAL TIME ACCESS TO EXTERNAL RESOURCE
A computer-implemented method is disclosed. The method includes: receiving an initiation request for a data transfer associated with a terminal; determining that a resource external to the first logical storage area should be accessed to complete the data transfer; in response to determining that the resource external to the first logical storage area should be accessed to complete the data transfer, triggering a query message to an electronic device accessible to an entity associated with the first logical storage area, the query message prompting for an instruction to access the resource external to the first logical storage area to complete the transfer; receiving, from the electronic device, an instruction to access the resource external to the first logical storage area to complete the transfer; and in response to receiving the instruction, effecting the transfer using the resource external to the first logical storage area.
A computer-implemented method is disclosed. The method includes: obtaining historical operations data for a resource account, the historical operations data identifying account operations performed by a user in connection with the resource account; generating display data for a graphical user interface for accessing the resource account, the display data including user interface elements associated with a first set of highest priority account operations that are selected based on the historical operations data for the resource account; obtaining user engagement data representing user interaction with the graphical user interface, the user engagement data identifying at least one account operation; identifying a second set of highest priority account operations based on the user engagement data; generating updated display data for the graphical user interface associated with the second set of highest priority account operations; and providing, to a client device for display thereon, the updated display data.
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
14.
METHOD AND SYSTEM FOR SCHEDULING ACCESS TO A NODE CLASS OF A SHARED RESOURCE
A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to obtain an indication of scheduled access to a first node class of a shared resource; determine that a second node class of the shared resource is available; and schedule access to the second node class of the shared resource in place of the scheduled access to the first node class of the shared resource.
A computer-implemented method is disclosed. The method includes: receiving, via a user device, input of parameters associated with a schedule item and a resource allocation; obtaining account data of a resource account associated with the user device; generating a first schedule of recommended activities for the schedule item based on the inputted parameters and the account data of the resource account, the first schedule identifying one or more activities and an order associated with the one or more activities; obtaining real-time context data associated with the user device; detecting a deviation from the first schedule based on the real-time context data; and in response to detecting the deviation, providing, via the user device, a first notification including indications of the detected deviation and a recommendation of a second schedule of activities.
Techniques for using connected vehicles as secondary data sources to confirm weather data and other triggering events are provided, including (1) determining indication of a weather event associated with a location of interest; (2) receiving indications of location data captured by location sensors associated with vehicles (such as vehicle-mounted sensors and/or mobile devices, virtual headsets, or wearables of passengers); (3) comparing the location data captured by the location sensors to a location of interest in order to identify one or more vehicles within a proximity of the location of interest; (4) receiving environmental sensor data captured by environmental sensors associated with one or more of the identified vehicles; and (5) determining, based upon the environmental sensor data captured by the environmental sensors associated with the one or more of the identified vehicles, an indication of an accuracy of the indication of the weather event associated with the location of interest.
17.
SYSTEM AND METHOD FOR EXECUTING DATA PROCESSING TASKS
Computing platforms, methods, and storage media for executing data processing tasks are disclosed. Exemplary implementations may: receive a plurality of serially executable software object tasks; obtain thread data associated with a plurality of available threads and machine data associated with a plurality of available machines; distribute the plurality of serially executable software object tasks for parallel execution via the plurality of available threads and on the plurality of available machines; and obtain and store shared thread data for the plurality of available threads, such that first thread status data associated with a first thread from the plurality of available threads is made available to a second thread from the plurality of available threads. Executing software tasks in parallel, even when the tasks were not designed to be executed in parallel, increases speed and execution of the software tasks, which uses less processing power and less memory compared to known approaches.
Systems and methods are described for performing analysis of parametric events. The method may include: (1) receiving weather data from a weather oracle network; (2) calculating, using a first trained machine learning algorithm, a likelihood of a trigger activation for a parametric event (or a trigger event) for a user based at least upon the weather data; (3) calculating, using a second trained machine learning algorithm, an estimated loss for the user based at least upon the likelihood of the trigger activation; (4) determining an initial coverage for the user; and (5) determining whether to offer the user updated coverage for the parametric event based at least upon a comparison of the initial coverage and the estimated loss for the user.
19.
SYSTEMS AND METHODS FOR ZERO-TRUST INDEX MUTUAL AID
Systems and methods are described for facilitating a zero-trust index mutual aid on a distributed ledger. The method may include: (1) receiving weather data at the distributed ledger; (2) detecting, based at least upon the weather data, that a trigger for a parametric event is met for a first subset of a plurality of users; (3) retrieving, responsive to the detecting, payment from a second subset of the plurality of users in accordance with a smart contract stored on the distributed ledger; (4) allocating the payment from the second subset of the plurality of users into respective allocated payments in accordance with the smart contract; and (5) causing the first subset of the plurality of users to receive the respective allocated payments in accordance with the smart contract.
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
In some aspects, a computing system may include a processor. Also, the computing system may include a communications module coupled to the processor. Furthermore, the computing system may include a memory coupled to the processor, the memory storing instructions that, when executed, configure the computing system to: determine a daily positive modifier amount based on an amount of positive adjustments to an account over an extended time period; determine a daily non-discretionary negative modifier amount based on an amount of non-discretionary negative adjustments to the account over the extended time period; determine a daily discretionary amount based on the daily positive modifier amount and the daily non-discretionary negative modifier amount; detect an expected negative modification event; and in response to detect the expected negative modification event, trigger a notification based on the daily discretionary amount.
A computer system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor- executable instructions which, when executed, configure the processor to receive, via the communications module, a signal that includes an ownership key associated with a digital asset minted on a payment card network; store the ownership key associated with the digital asset in a digital wallet; send, via the communications module and to the payment card network, a signal that includes a request to perform an action on the digital asset using the ownership key; receive, via the communications module and from the payment card network, a signal that indicates permission for the action to be performed on the digital asset; and perform the action.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
22.
SYSTEMS AND METHODS FOR SENDING AN INDICATION THAT A DIGITAL RECEIPT IS TO BE PROVIDED FOR A PURCHASE MADE ON A PAYMENT CARD
A server computer system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to store, in a database, an indication that digital receipts are to be provided for all purchases made on a payment card; receive, via the communications module and from a point-of-sale system, a signal requesting an indication that a digital receipt is to be provided for a purchase made on the payment card; consult the database to determine that the digital receipt is to be provided for the purchase made on the payment card; and send, via the communications module and to the point- of-sale system, a signal that includes the indication that the digital receipt is to be provided for the purchase made on the payment card.
Apparatus and methods for expanding a data transfer framework are disclosed. Exemplary implementations may: provide an ETL framework comprising a plurality of ETL modules and comprising code including variables; obtain a configuration file including data values to replace the variables for executing selected ETL modules, and including external command data configured to execute a new data transformation external to and absent from the ETL framework, the external command data including a reference to an external module generated in relation to an external interface; and execute the one or more selected ETL modules based on the code, the data values and the external command data. Exemplary implementations provide a flexible and expandable ETL framework that enable a new type of data transformation that is not currently supported by the framework, without having to modify the framework. The framework may impart native properties and characteristics of the framework to the external module.
G06F 16/25 - Integrating or interfacing systems involving database management systems
G06F 16/27 - Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
24.
SYSTEM AND METHOD FOR MANAGING DATA STORED IN A REMOTE COMPUTING ENVIRONMENT
A method, device and memory for providing access to remotely stored data is provided. The method includes providing an interface capable of communicating with a remote computing environment storing a plurality of data sets. The method includes receiving a request, via the interface, to access at data sets according to access parameters. The method includes applying a first set of masking parameters when the data sets are accessed via respective views. The method includes satisfying the request by granting access to the views associated with the data sets, without copying the data sets. The views enable data from the data sets to be viewed as masked according to the first set of masking parameters, and the views are masked according to a second set of masking parameters associated with the access parameters.
G06F 16/90 - Information retrieval; Database structures therefor; File system structures therefor - Details of database functions independent of the retrieved data types
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
25.
SYSTEMS AND METHODS FOR MANAGING ONLINE STOREFRONTS
A computer-implemented method is disclosed. The method includes: receiving a second request to create a first service object instance of a first service object; identifying a first set of service object instances that are related to the first service object instance based on at least a time associated with the first service object instance and a first service location; obtaining location data associated with a first set of service object instances; determining a geographical area associated with a second request based on the location data associated with the first set of service object instances and a first service location; and causing to be displayed, in a map interface, an interactive map UI element showing a map region corresponding to the geographical area, the map UI element including graphical representations of the first service object instance, the first set of service object instances, and a current location associated with the merchant.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/04842 - Selection of displayed objects or displayed text elements
26.
SYSTEM AND METHOD FOR MANAGING DATA STORED IN A REMOTE COMPUTING ENVIRONMENT
A system, method and memory for managing remotely stored data is disclosed. The system includes a processor, a communications module, and a memory. Instructions stored on the memory cause the processor to provide an agent within a remote computing environment (RCE) with access to data stored on the RCE and custom applications. Another agent on a local computing environment capable of communicating with the agent is provided. The other agent has access to configuration files. The other agent instructs the agent to execute custom applications based on the configuration files. The other agent receives metadata of the data in response to triggering the agent. The instructions cause the processor to populate, via the other agent, a catalogue of the plurality of data within the remote computing environment based on the received plurality of metadata, and provide the catalogue for display for reviewing the plurality of data.
H04L 67/025 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP] for remote control or remote monitoring of applications
H04L 67/1097 - Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
H04L 9/00 - Arrangements for secret or secure communications; Network security protocols
In an aspect a computer system is configured to: receive accelerated transfer definition data defining one or more conditions for accelerating a transfer; obtain a due date for completing the transfer; initiate the transfer in response to the earlier of: determining that at least one of the conditions for accelerating the transfer have occurred; and determining that a current date is within a defined proximity of the due date for completing the transfer.
A system for testing applications is disclosed. The system includes one or more processors, one or more communications modules coupled to the one or more processors to enable communications between services provided by the system, and at least one memory coupled to the one or more processors. The at least one memory stores computer executable instructions to enable a plurality of virtualized test services, each virtualized test service at least in part emulating dependent server responses to application operations. The instructions enable a load-balancing service for communication with the plurality of virtualized test services, and test an application based on a load, by directing the application to interact with the plurality of virtualized test services that are available, while avoiding communicating with the dependent servers during testing. The load-balancing service balances the testing of the application between the plurality of virtualized test services that are available.
Computing platforms, methods, and storage media for data movement are disclosed. Exemplary implementations may: obtain a data transfer command including a table-based characterization of a set of data to be transferred from an on-premise platform to a cloud platform, the data transfer command further including a date specification; automatically determine, based on the table-based characterization of the data to be transferred and based on the date specification, a set of files to be transferred; and initiate transfer of the set of files from the on-premise platform to the cloud platform. In an implementation, data is moved at the table level, and the files associated with the specified tables/date range are automatically determined. A single command, which may reference a CSV file, may be used to efficiently and reliably transfer a large amount of data without a user having to specify the specific files to be transferred.
A system, device, and method for ingesting data into a remote computing environment are provided. The example device comprises a processor, a communications module, and a memory. The processor executes instructions on the memory to receive a data file, and extract metadata from the data file. The extracted metadata comprises at least one property of the data file. A configuration file, from a plurality of configuration files, that is associated with the data file is determined. The determination is performed, at least in part, based on correlating the extracted metadata with data file types used by the determined configuration file. The data file is ingested for storage in a remote computing environment based on the determined configuration file.
G06F 3/06 - Digital input from, or digital output to, record carriers
G06F 16/908 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using metadata automatically derived from the content
31.
SYSTEM AND METHOD FOR GENERATING A GRAPHICAL USER INTERFACE TO TRACK, ANALYZE AND INTERPRET A BIG DATA DATASET
A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to obtain, from at least one big data source, a big data dataset that includes transaction data; categorize the transaction data into a number of data buckets; analyze the transaction data from at least one of the data buckets to generate at least one graphical user interface to display at least some of the transaction data from the at least one of the data buckets, the at least one graphical user interface including at least one selectable interface element to adjust a display of the graphical user interface; and send, via the communications module and to a computing device, the at least one graphical user interface for display.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
A device, method and system for loading data into a remote computing environment is disclosed. The method includes receiving a request to load a new data set into a remote computing environment, the new data set impacting a data set stored thereon. The method includes identifying one or more changes to a current representation of the data set within the new data set, the one or more changes replacing information in the current representation. The method includes transmitting the identified one or more changes to a data store persisting the current representation. The method includes transmitting the replaced information to a data store persisting a previous representation of the data set. The method includes transmitting other information in the new data set that is determined to be invalid data to a data store persisting an invalid data set associated with the data set.
H04L 67/1097 - Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
H04L 67/5682 - Policies or rules for updating, deleting or replacing the stored data
33.
SYSTEM, METHOD, AND DEVICE FOR UPLOADING DATA FROM PREMISES TO REMOTE COMPUTING ENVIRONMENTS
A system, method and device for ingesting data files into remote computing environments is disclosed. The method includes receiving a plurality of data files and processing same according to a modified round-robin (MRR) process. The MRR assigns data files for processing by determining which of a plurality of remote processors are active, and by determining an amount of queued processing for the active remote processors. The method includes assigning each data file of the plurality of data files to a remote processor of the plurality of remote processors based on the remote processor (1) being active, and (2) having a relatively lower amount of queued processing. The method includes instructing a storage writer to store processed data files.
H04L 67/06 - Protocols specially adapted for file transfer, e.g. file transfer protocol [FTP]
H04L 67/1017 - Server selection for load balancing based on a round robin mechanism
H04L 67/1097 - Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
34.
SYSTEM AND METHOD FOR AUTOMATICALLY PROVIDING A SECOND RESOURCE TYPE TO REPLACE OR OFFSET A FIRST RESOURCE TYPE
A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to monitor resource consumption data to identify a first resource type being provided to a resource requester at a periodic rate; identify a second resource type to replace or offset the first resource type at the periodic rate; and perform operations to automatically provide the second resource type to replace or offset the first resource type at the periodic rate.
Methods and systems for charging an electric vehicle (EV) are described herein. An EV may require additional battery power to reach a charging station. A remote server in communication with the EV or an on-board computer or mobile device in the EV may obtain data to determine a location for the EV to meet a charging vehicle. The charging vehicle may be dispatched to meet the EV and deliver power to it, enabling the EV to reach a charging station or other destination. In some examples, the charging vehicle may deliver power to the EV while both vehicles are stationary. In other examples, the charging vehicle may couple to the EV while both vehicles are in motion.
G05D 1/686 - Maintaining a relative position with respect to moving targets, e.g. following animals or humans (for pointing payloads towards targets G05D 1/689; involving controlling the position or course of two or more vehicles G05D 1/69)
36.
RECHARGE SYSTEM FOR ELECTRIC VEHICLE (EV) WITHOUT IMMEDIATE ACCESS TO PERMANENT CHARGING STATION
Methods and systems for charging an electric vehicle (EV) are described herein. An EV may require additional battery power to reach a charging station. A remote server in communication with the EV or an on-board computer or mobile device in the EV may obtain data to determine a location for the EV to meet a charging vehicle. The charging vehicle may be dispatched to meet the EV and deliver power to it, enabling the EV to reach a charging station or other destination. In some examples, the charging vehicle may deliver power to the EV while both vehicles are stationary. In other examples, the charging vehicle may couple to the EV while both vehicles are in motion.
The following relates generally to providing virtual reality (VR) alerts to a driver of an autonomous vehicle. For example, a vehicle may be driving autonomously while the driver is watching a VR movie (e.g., on a pair of VR goggles); the driver may then receive a VR alert recommending that the driver take control of the vehicle (e.g., switch the vehicle from autonomous to manual mode). The following also relates to generating a VR feed for presenting real-time road conditions so that a user may preview a road segment. The following also relates to generating a VR feed corresponding to an event (e.g., a vehicle collision, a crime, a weather event, and/or a natural disaster).
B60W 60/00 - Drive control systems specially adapted for autonomous road vehicles
B60W 20/50 - Control strategies for responding to system failures, e.g. for fault diagnosis, failsafe operation or limp mode
B60W 30/00 - Purposes of road vehicle drive control systems not related to the control of a particular sub-unit, e.g. of systems using conjoint control of vehicle sub-units
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
The following relates generally to providing virtual reality (VR) alerts to a driver of an autonomous vehicle. For example, a vehicle may be driving autonomously while the driver is watching a VR movie (e.g., on a pair of VR goggles); the driver may then receive a VR alert recommending that the driver take control of the vehicle (e.g., switch the vehicle from autonomous to manual mode). The following also relates to generating a VR feed for presenting real-time road conditions so that a user may preview a road segment. The following also relates to generating a VR feed corresponding to an event (e.g., a vehicle collision, a crime, a weather event, and/or a natural disaster).
39.
NAVIGATION SYSTEM FOR PROVIDING RECOMMENDED ROUTES BASED ON DRIVER SKILL LEVEL
The present systems and method relate generally to adjusting navigation directions. In some embodiments, one or more processors obtain a driving score based upon a user's driving history traversing streets displayed in virtual reality (VR). A request for navigation directions may then be received, and a set of navigation directions may be generated in response to the request. The generated set of navigation directions may be adjusted based upon the driving score.
40.
DELIVERY HAND OFF PROCEDURE WHEN ELECTRIC VEHICLE (EV) IS ABOUT TO LOSE POWER
Methods and systems for power transfer and routing in a compaitmentalized electric vehicle (EV) having detachable compaitments, and for handing off a load from one EV to another EV for delivering the load to a destination are described herein. Each detachable compailment in the compartmentalized EV may have a separate power supply, motor, set of wheels, and/or autonomous operation features. The detachable compaitments may attach to each other, such that each of the detachable compartments combine to form a compailmentalized EV that travels to a particular location.
B60L 58/10 - Methods or circuit arrangements for monitoring or controlling batteries or fuel cells, specially adapted for electric vehicles for monitoring or controlling batteries
B60W 50/14 - Means for informing the driver, warning the driver or prompting a driver intervention
B60W 60/00 - Drive control systems specially adapted for autonomous road vehicles
B60L 3/00 - Electric devices on electrically-propelled vehicles for safety purposes; Monitoring operating variables, e.g. speed, deceleration or energy consumption
B60P 1/00 - Vehicles predominantly for transporting loads and modified to facilitate loading, consolidating the load, or unloading
41.
COMPARTMENTALIZED ELECTRIC VEHICLE (EV) HAVING ATTACHED COMPARTMENTS WI TH SEPARATE POWER SYSTEMS
Methods and systems for power transfer and routing in a compaitmentalized electric vehicle (EV) having detachable compaitments, and for handing off a load from one EV to another EV for delivering the load to a destination are described herein. Each detachable compailment in the compartmentalized EV may have a separate power supply, motor, set of wheels, and/or autonomous operation features. The detachable compaitments may attach to each other, such that each of the detachable compartments combine to form a compailmentalized EV that travels to a particular location.
There is provided methods, systems and techniques for optimized anomaly prediction using machine learning. A data set is obtained which corresponds to a query for anomaly detection. Feature classification is performed along with anomaly labelling using an unsupervised clustering technique based on determining similar groups of data and behaviours and determining a distribution for a particular feature of interest in each cluster such as to apply a threshold to each cluster to extract the anomaly data and label same. Once the labelled dataset is generated, a tree classification model is trained based on the labelled data set for detecting anomaly. Once trained, a set of computing model rules may be extracted from the tree classification model to generate a rules executable for anomaly spotting to define combinations of feature characteristics resulting in outlier data so that the rules executable may be applied to new data.
A method and device for automating analysis of executed pefformance testing is disclosed. The device includes a processor, and a communications module and memory coupled to the processor. The memory stores computer executable instructions that when executed by the processor cause the processor to receive an input associated with executing a performance test of an application. The processor identifies a test analysis template from a plurality of test analysis templates based on the performance test or the application, each test analysis template defining analysis parameters for interpreting results of executed performance tests. The processor creates a session for analyzing a result of the performance test being executed. Within the analysis session, one or more models are applied to the result, where the one or more models are responsive to the analysis parameters. The processor generates a performance analysis report based on the applied one or more models.
The system, method, and device for simulating application performance prior to conducting performance testing is disclosed. The illustrative method includes obtaining results of a preliminary simulation, and processing the obtained results from the preliminary simulation, with a profiling tool, and generate a software model based on an output of the profiling tool. A workload model and a hardware model are configured to account for a desired scenario. A performance model is defined using the software model, the workload model, and the hardware model, and prior to testing the application, the performance model is used to simulate performance of the application in the desired scenario.
An example operation may include one or more of storing transaction content from transactions executed via one or more fiat payment accounts and one or more crypto accounts of a digital wallet of a user, identifying historical usage characteristics of the one or more fiat payment accounts and the one or more crypto accounts from the stored transaction content, creating a security token for the user and embedding the historical usage characteristics within a storage area of the security token, executing a blockchain consensus process among a plurality of blockchain peers of a blockchain network to verify the security token, and committing the security token to a blockchain ledger of the blockchain network in response to verification of the security token.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
An example operation may include one or more of storing transaction content from transactions executed via one or more fiat payment accounts and one or more crypto accounts of a digital wallet of a user, and determining, via execution of a machine learning model on the stored transaction content, a recurring expense value of the user and a next point in time in which the recurring expense value, dividing the recurring expense value into a plurality of sub-values; generating a plurality of transactions which transfer the plurality of sub- values from a fiat payment account to a crypto account from among the one or more crypto accounts and store the plurality of transactions within a queue, initiating a plurality of time-to- live jobs for the plurality of transactions, respectively, wherein the plurality of time-to-live jobs comprise a plurality of different respective expiration times that are staggered such that the plurality of time-to live jobs expire in incremental intervals from a current time to the next point in time in which the recurring expense value is due and executing the plurality of transactions at the plurality of different expiration times to incrementally transfer the plurality of sub- values from the fiat account to a crypt account via an application programming interface (API).
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A computer-implemented method in a mobile computing device for tracking health and usage of electric vehicle (EV) batteries using Quick Response (QR) codes (or NFC or RFID tags) is provided. The method may include (1) capturing, by a camera associated with a mobile computing device, an image of a tag affixed to an EV; (2) analyzing the image of the tag affixed to the EV; (3) identifying, by the one or more processors of the mobile computing device, the EV based upon analyzing the image of the tag affixed to the EV; (4) determining vehicle battery data associated with a rechargeable battery that powers the identified EV; (5) determining based upon the vehicle battery data associated with the rechargeable battery that powers the identified EV, a battery status indication corresponding to the identified EV; and/or (6) providing, via a user interface, the battery status indication corresponding to the identified EV.
48.
SYSTEMS AND METHODS FOR OPTIMIZING DATA PROCESSING IN A DISTRIBUTED COMPUTING ENVIRONMENT
Systems and methods for preprocessing large inference files in a cluster environment prior to transmission to one or more downstream applications. The inference files are processed using templates that correspond to particular downstream applications, allowing for optimized transmission and optimized processing by each downstream application.
G06F 16/20 - Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
G06F 16/22 - Indexing; Data structures therefor; Storage structures
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
An example operation may include one or more of receiving a payment amount and an identifier of a recipient account from a digital wallet application of a user, the digital wallet application containing a payment card account and a cryptocurrency account, determining to perform a buy-now pay-later (BNPL) transaction for the payment amount based on current holdings in the payment card account and current holdings in the cryptocurrency account; transmitting, via a crypto-bridge application programming interface (API), fiat currency from the payment card account to a crypto exchange, receiving, via the crypt-bridge API, an amount of the cryptocurrency based on the payment amount and store the amount of cryptocurrency in the digital wallet application; generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date, and storing the entry in the queue.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
An example operation may include one or more of receiving a payment amount and an identifier of a recipient account from a digital wallet, predicting, via a machine learning model, a future value of a cryptocurrency based on historical values of the cryptocurrency over time, determining to perfomi a BNPL transaction for the payment amount based on the predicted future value of a cryptocurrency stored within the digital wallet application of the user, transmitting, via a crypto-bridge API, fiat currency from a fiat account of the user to a crypto exchange and receiving an amount of the cryptocurrency based on the payment amount and storing the amount of cryptocurrency in the blockchain wallet, generating an entry comprising a future date, the identifier of the recipient account, and a return value to retrieve from the crypto exchange at the future date, and storing the entry in the queue.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
A computer-implemented method of predicting and providing an efficient driving route for an electric vehicle (EV) based upon battery health impact includes (i) receiving geographical telematics data; (ii) generating one or more driving routes for the electric vehicle based upon at least the geographical telematics data; (iii) predicting a projected battery health impact on a battery of the electric vehicle for each driving route of the one or more driving routes, wherein the projected battery health impact for each driving route is based at least upon geographical characteristics of the driving route; (iv) determining one or more battery- efficient driving route recommendations based upon at least the projected battery health impact for each driving route; and/or (v) providing the one or more battery-efficient driving route recommendations to a user.
A computer-implemented method of monitoring one or more batteries of an electric vehicle (EV) includes (i) detecting an indication of a battery failure event for an electric vehicle; (ii) determining a response to the battery failure event based upon the indication; (iii) determining, based upon the battery failure event, an assistance location for the electric vehicle; (iv) generating a route from a location of an autonomous vehicle to the assistance location for the electric vehicle; and (v) transmitting a command to the autonomous vehicle to drive to the assistance location for the electric vehicle, wherein the command includes the response to the battery failure event and the route from the location of the autonomous vehicle to the assistance location.
B60L 58/10 - Methods or circuit arrangements for monitoring or controlling batteries or fuel cells, specially adapted for electric vehicles for monitoring or controlling batteries
B60L 53/00 - Methods of charging batteries, specially adapted for electric vehicles; Charging stations or on-board charging equipment therefor; Exchange of energy storage elements in electric vehicles
B60W 60/00 - Drive control systems specially adapted for autonomous road vehicles
B60L 3/00 - Electric devices on electrically-propelled vehicles for safety purposes; Monitoring operating variables, e.g. speed, deceleration or energy consumption
53.
EMERGENCY HEATING SYSTEM FOR ELECTRIC VEHICLE (EV) RUNNING OUT OF POWER
Methods and systems for providing emergency heating in an electric vehicle (EV) running out of power are described herein. An on-board computer or mobile device in an EV may determine that an amount of charge remaining for powering the EV is below a threshold charge level. The on-board computer or mobile device may then route the remaining amount of charge to power a heating system in the EV to maintain a temperature in the EV above a threshold temperature level, and shut down power to other components within the EV.
B60L 58/12 - Methods or circuit arrangements for monitoring or controlling batteries or fuel cells, specially adapted for electric vehicles for monitoring or controlling batteries responding to state of charge [SoC]
B60L 58/10 - Methods or circuit arrangements for monitoring or controlling batteries or fuel cells, specially adapted for electric vehicles for monitoring or controlling batteries
B60L 1/02 - Supplying electric power to auxiliary equipment of electrically-propelled vehicles to electric heating circuits
B60L 3/00 - Electric devices on electrically-propelled vehicles for safety purposes; Monitoring operating variables, e.g. speed, deceleration or energy consumption
54.
SYSTEM AND METHOD FOR STORING AUTOMATED TELLER MACHINE SESSION DATA
A server computer system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to obtain, via the communications module, automated teller machine session data; generate a first checksum based on at least the automated teller machine session data; and store the first checksum and the automated teller machine session data in a database.
G06F 21/64 - Protecting data integrity, e.g. using checksums, certificates or signatures
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
55.
SYSTEM AND METHOD FOR PROVIDING RESTRICTED TOKEN USAGE DURING AN ONBOARDING PHASE
Systems and methods for providing restricted token usage during an onboarding phase are disclosed. A request to generate a token via an onboarding system may be received from a first entity. A token may then be generated and associated with a special handling instruction to enable temporary usage of the token by the onboarding system but to prevent usage by other systems. The token may then be provided to the first entity via the onboarding system. A change may then be detected in a status of the token. In response to detecting the change in status of the token, the special handling instruction associated with the token may be removed.
A computer-implemented method is disclosed. The method includes: receiving, via a browser application on a computing device, a request to retrieve a first web page from a web server; determining that the first web page is associated with a first merchant; in response to determining that the first web page is associated with the first merchant: obtaining historical transactions data of a resource account associated with the computing device; determining a first allocation of resources associated with the resource account; detecting a user action in the browser application for interacting with the web page; in response to detecting the user action in the browser application: identifying at least one product associated with the merchant based on the detected user action; generating a notification associated with the identified at least one product based on the historical transactions data of the resource account and the first allocation of resources; and providing, to the computing device for display in the browser application, the generated notification.
According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises, a communication module, and a processor coupled to the sensor and the communication module. The ambient commerce system further includes a memory coupled to the processor. The memory stores processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, an unauthenticated entity at an ambient commerce premises; receive, from a first independent trusted system and via the communication module, an indication that authentication has been performed by the first independent trusted system for the unauthenticated entity using a first authentication parameter; determine that the entity is an authenticated entity based on the indication that the authentication has been performed and at least a second authentication parameter; and perform an ambient commerce operation for the authenticated entity.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04W 12/65 - Environment-dependent, e.g. using captured environmental data
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
58.
COMPUTER-IMPLEMENTED METHODS AND SYSTEMS FOR BATTERY MONITORING, BATTERY REPLACEMENT, AND FLEET MANAGEMENT
Computer-implemented methods of monitoring one or more batteries of an electric vehicle (EV) include (i) receiving, from an electronic device associated with the EV, telematics data generated by one or more sensors associated with the electronic device that is indicative of operation of the EV; (ii) determining a battery status of the one or more batteries based upon the telematics data; and (iii) mapping the battery status of the one more batteries to a digital record corresponding to the EV in a database.
G07C 5/00 - Registering or indicating the working of vehicles
G06Q 10/04 - Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
B60L 58/10 - Methods or circuit arrangements for monitoring or controlling batteries or fuel cells, specially adapted for electric vehicles for monitoring or controlling batteries
G06Q 10/063 - Operations research, analysis or management
59.
SYSTEMS AND METHODS FOR AUTOMATED DATA PROCESSING USING MACHINE LEARNING FOR VEHICLE LOSS DETECTION
A data processing system comprising: inputting a tiled image of a vehicle including four different angle views of the vehicle combined into a single image to a first machine learning model (e.g. CNN), the model trained based on historical image data to predict a first likelihood of total loss vehicle; inputting a multi-fusion of images each into a second set of machine learning models; the multi-fusion of images including a set of separate and distinct images for each of the views input separately into the second set of machine learning models, and extracting features to predict a second likelihood of total loss vehicle; inputting tabular data relating to the vehicle into a third machine learning model to predict a third likelihood of total loss vehicle for the vehicle; and aggregating the first, second and third likelihood of total loss vehicle to determine the overall likelihood of total loss.
G06V 10/44 - Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersections; Connectivity analysis, e.g. of connected components
G06V 10/80 - Fusion, i.e. combining data from various sources at the sensor level, preprocessing level, feature extraction level or classification level
Systems and methods of determining whether to initiate a pull of an accumulated data transfer amount are described. An accumulated data transfer amount for a periodic data transfer scheduled to be pushed at a future date is determined. A determination is made of whether an overall data amount in a storage location is expected to be greater at a date on or after the scheduled future date if a pull of the accumulated data transfer amount is performed before the scheduled future date than if a pull operation is not performed and the accumulated data transfer amount is sent at the scheduled future date. When the overall data amount in the storage location is expected to be greater at the scheduled future date if the pull of the accumulated data transfer amount is performed, a pull of the accumulated data transfer amount is initiated.
An example operation may include one or more of receiving, via a host platform, a payment authorization request message for a payment transaction of a digital wallet hosted by the host platform from a payment gateway of an electronic payment network, verifying that a payment account in the digital wallet has sufficient funds to satisfy an amount of the payment transaction and transmitting a payment authorization response to the payment gateway, pausing clearing and settling of the authorized payment transaction, executing a blockchain transaction via a blockchain ledger of a cryptocurrency network to exchange fiat currency from the payment account for cryptocurrency based on the amount of the payment transaction, prior to a due date of the authorized payment transaction, executing a second blockchain transaction to exchange the cryptocurrency for a new amount of fiat currency, and settling the authorized payment transaction based on the new amount of fiat currency received from the second blockchain transaction.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
62.
CRYPTOCURRENCY PAYMENT BASED ON A CANCELED FIAT TRANSACTION
An example operation may include one or more of receiving, via a host platform of a digital wallet, a payment authorization request message for a payment transaction of the digital wallet from a payment gateway of an electronic payment network, verifying that the digital wallet has sufficient funds to satisfy an amount of the payment transaction and transmitting a payment authorization response to the payment gateway, pausing clearing and settling of the authorized payment transaction, generating an entry that represents the authorized payment transaction and storing the entry in a temporary storage structure of the host platform, executing a cryptocurrency transaction which exchanges cryptocurrency for an amount of fiat currency that satisfies the amount of the payment transaction, and canceling the authorized payment transaction and settling the payment transaction based on the amount of fiat currency received from the cryptocurrency transaction.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
63.
SYSTEMS AND METHODS FOR OPTIMIZING MULTI-STAGE DATA PROCESSING
Systems and methods for optimizing multi-stage data machine learning model processing, by providing an intermediate processing step to identify or filter records in voluminous inference data that meet a predetermined threshold. Multiple downstream processes can be optimized by applying multiple thresholds to the voluminous inference data.
Computing platforms, methods, and storage media for processing instructions associated with one or more data transfers are disclosed. Exemplary implementations may: obtain, by the apparatus, input data associated with a set of data transfer requests, the input data including a plurality of records; generate, by the apparatus and based on the input data and in the absence of a visual representation of the plurality of records, link presence indicators for the input data by automatically creating indications of presence of links between the plurality of records based on one or more of the plurality of variables; and create, by the apparatus and for storage in a memory, a set of linked data based on the input data and the generated linking relationships. Exemplary implementations focus on whether, rather than how, items are linked together, in an automated and scalable approach, and may perform analytics on the links and entities.
G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
G06F 16/90 - Information retrieval; Database structures therefor; File system structures therefor - Details of database functions independent of the retrieved data types
Computing platforms, methods, and storage media for processing instructions associated with one or more data transfers are disclosed. Exemplary implementations may: obtain, by a processor, a credit application identifier identifying a pending credit application that involves credit adjudication; identify, in conjunction with an adjudication database and based on the credit application identifier, an adjudication process identifier associated with ownership of a current adjudication task for the pending credit application; automatically generate, based on a role associated with the adjudication process identifier, a status of the pending credit application; and provide, by the processor, the status of the pending credit application. Exemplary implementations may: enable a user to check on and determine the status of one or more credit applications, without needing to contact anyone involved; provide an overview of pending applications for a branch, district or region; and provide data and analytics relating to application processing times or approval rates.
A computer-implemented method is disclosed. The method includes: receiving, via a first computing device, a login request for a resource account; authenticating a user associated with the login request to an account session of the resource account; receiving, via the first computing device during the account session, a trade request for performing a first trading action in connection with a tradeable object; in response to receiving the trade request: granting, to the first computing device, time-limited access to an account operation for the resource account, the first account operation associated with defined first trade parameters for the first trading action; receiving, via the first computing device, user input for initiating the first account operation at a first time; validating the first account operation based on verifying eligibility of the first trading action and validity of the account session at the first time; and in response to validating the first account operation, cause the first trading action to be executed based on processing the first account operation.
Systems and methods for on-demand tokenization of data. Sensitive data elements are tokenized according to a standardized approach, with the resulting token being, or incorporating, a universally unique identifier (UUID). Each payload-token mapping is stored in a distributed key-value database, with the input payload serving as the basis for the key and the generated token stored as the value. The distributed key- value database is accessible to systems within a trusted environment, and also to authorized external applications via a tokenization API service, allowing a variety of applications to request tokenization in real-time, and their data sets to be cross- correlatable.
G06F 16/90 - Information retrieval; Database structures therefor; File system structures therefor - Details of database functions independent of the retrieved data types
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
68.
SYSTEMS AND METHODS FOR GENERATING A HOME SCORE AND MODIFICATIONS FOR A USER
Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving home data for a first property; (2) determining, using a trained machine learning evaluation model, one or more home score factors based upon at least the home data; (3) generating, based upon the one or more home score factors, a home score for the first property; (4) retrieving past hazard data associated with a second property; and (5) generating based upon at least the past hazard data, a home modification recommendation.
Systems and methods are described for analyzing home data to generate a home score. The method may include: retrieving home data for a first property; determining that the first property shares home characteristics with a second property; retrieving past hazard data associated with the second property; determining, based upon at least the home data and the past hazard data, one or more first home score factors, wherein the determining includes: analyzing, using a trained machine learning data evaluation model, the home data to determine home characteristic data for the first property, determining second home score factors for the second property based at least upon the past hazard data, and determining, based upon the home characteristic data and the second home score factors, the one or more first home score factors; and generating, based upon the one or more first home score factors, a home score for the first property.
Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving home data for a property; (2) determining, based upon the home data for the property, one or more home score factors, wherein the determining may include: (i) analyzing, using a trained machine learning data evaluation model, the home data for the property to determine home characteristic data for the property, (ii) analyzing, using the trained machine learning data evaluation model, the home data for the property to determine a likelihood of loss associated with the property, and (iii) determining, based upon the home characteristic data for the property and the likelihood of loss associated with the property; and (3) generating, based upon the one or more home score factors, a home score for the property.
Systems and methods are described for evaluating and analyzing home data to generate a home score. The method may include: (1) retrieving at least one of home data for a property or user data for a user; (2) determining, using a trained machine learning evaluation model, one or more home score factors based upon at least one of the home data or the user data; (3) receiving, from the user, a home modification indication; (4) modifying, based upon the home modification indication, at least one of the one or more home score factors to create one or more modified home score factors; and (5) generating, based upon the one or more modified home score factors, a home score for the property.
Apparatus and methods for streamlining a de-risking data security workflow. Data security requests identify information requested to be exported from a sensitive database. A de-risking database is searched to identify prior data requests for related information and, when found, the data request may be automatically approved subject to any specified data treatments. When prior data requests are not found, the data request may be assessed further and, if approved, the de-risking database may be populated accordingly, along with an indication of data treatments to be applied.
G06F 16/90 - Information retrieval; Database structures therefor; File system structures therefor - Details of database functions independent of the retrieved data types
73.
SYSTEM AND METHOD FOR CONTROLLING ACCESS TO PROJECT DATA AND TO COMPUTING RESOURCES THEREFOR
A server device, system, method, and for controlling access to project resources is disclosed. The disclosure includes a processor, and a communications module and a memory coupled to the processor. The memory, when executed by the processor, causes the processor to generate a plurality of zones for a project, each zone defining a set of access rights to: i) a database; and ii) at least one tool. The processor configures each set of access rights to allow a proxy service to access the zones, and receives, from a client device and via the proxy service, an access query to access at least one zone. The processor provides the client device access to, via the proxy service, the at least one dataset and at least one tool of the at least one zone.
Systems and methods for reversing a transfer of a digital asset are described. A method may include storing a token, the token providing for one or more transfers from a second storage location to a first storage location; receiving notification of a first transfer from the first storage location to the second storage location; detecting the first transfer from the first storage location to the second storage location; receiving a request for a reversal of the first transfer; determining an eligibility of the request for the reversal of the first transfer; and responsive to determining the eligibility of the request for the reversal of the first transfer, performing the reversal of the first transfer by executing, using the token, an offsetting transfer from the second storage location to the first storage location.
Methods and computer systems for controlling access to software features in a computing environment. Obtaining a plurality of electronic documents associated with an account, each particular electronic document in the plurality of electronic documents including a respective first data item in a first field and a respective second data item in a second field. Categorizing each respective first data item based on the corresponding respective second data item. Applying a scoring model to the respective first data items included in the plurality of electronic documents according to the categorizations to create a score. Unlocking a software feature associated with the account in response to determining that the score meets a threshold.
G06F 9/06 - Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
76.
SYSTEMS AND METHODS FOR REAL-TIME PROCESSING OF PRODUCT ORDERS
A computer-implemented method is disclosed. The method includes: receiving, via a computing device of a transferor entity, a first request to process a transfer of resources associated with a first resource account, the first request indicating a maximum resource transfer amount for the transfer; generating a locked virtual allocation of resources associated with the first resource account, the virtual allocation representing a defined quantity of resources committed for the transfer; obtaining request data for a second request to transfer resources to a second resource account, the request data indicating a minimum requested resource amount; validating the second request based on identifying information of a recipient entity associated with the second request; determining that the first request and the second request satisfy a defined resource transfer condition; and in response to the determining, automatically granting, to the recipient entity, access to the virtual allocation of resources.
An automated teller machine comprises a communications module; an image module; a processor; and a memory coupled to the processor storing instructions that, when executed by the processor, configure the processor to receive a first cheque for deposit; engage the image module to capture an image of the first cheque; send, via the communications module and to a server computer system, a signal that includes the image of the first cheque for acceptance; send, via the communications module and to an automated teller machine switch, a signal that includes a request for transaction authorization approval based on the first cheque; receive, via the communications module and from the server computer system, a signal that includes an indication of acceptance of the image of the first cheque; receive, via the communications module and from the automated teller machine switch, a signal that includes an indication of approval of the request for the transaction authorization based on the first cheque; and responsive to receiving the signal that includes the indication of acceptance of the image of the first cheque and the signal that includes the indication of approval of the request for the transaction authorization, return the first cheque.
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
78.
SYSTEM AND METHOD FOR PROVIDING A THREE-DIMENSIONAL OBJECT REPRESENTING A STORED-VALUE CARD FOR DISPLAY IN AUGMENTED REALITY
A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a requesting device, a signal that includes a request to send a stored-value card to a recipient, the request identifying one or more parameters of the stored-value card; generate the stored-value card and a three- dimensional object representing the stored-value card according to the one or more parameters; and send, via the communications module and to a mobile device of the recipient, a signal that includes the three- dimensional object representing the stored-value card for display in augmented reality.
G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
G06F 3/04815 - Interaction with a metaphor-based environment or interaction object displayed as three-dimensional, e.g. changing the user viewpoint with respect to the environment or object
A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a requesting device, a signal that includes a request to send a stored-value card to a recipient, the request including a personal message and identifying an actor to perform the personal message; generate an audio component based at least on the personal message; obtain at least one image of the actor and generate a video component by augmenting one or more features of the at least one image of the actor based on one of the personal message or the audio component; generate an augmented personal message by combining the audio component and the video component; and send, via the communications module and to a mobile device of the recipient, a signal that includes the augmented personal message.
H04W 4/18 - Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
80.
AMBIENT WALLET SELECTION FOR SENSOR-BASED CHECKOUT SYSTEMS
In another aspect, a computer-implemented method is described. The method includes: detecting that an electronic device that has been previously configured to communicate with the ambient commerce system is at the ambient commerce premises, the electronic device associated with an entity; receiving, from the electronic device, a wallet identifier, the wallet identifier uniquely identifying a particular wallet that is to be used to complete an ambient commerce transaction; identifying, based on the sensor, one or more items that are to be associated with the ambient commerce transaction; and processing the ambient commerce transaction for the identified one or more items using the particular wallet identified by the wallet identifier.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
81.
RESTRICTED ITEM ELIGIBILITY CONTROL AT AMBIENT COMMERCE PREMISES
According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may include a processor coupled to the one or more sensors. The ambient commerce system may include a memory coupled to the processor. The memory may store processor- executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, engagement of an entity with a restricted item; identify the entity; obtain at least a portion of a profile for the entity; determine, based on the at least a portion of the profile for the identified entity, eligibility for the entity to acquire the restricted item; and selectively generate, based on the determined eligibility for the entity, a notification on an electronic device associated with the entity.
According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises. The ambient commerce system may further include a processor coupled to the sensor and a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of the sensor at the ambient commerce premises, engagement of an entity with a first item satisfying first predetermined criteria; identify the entity; determine based on account data for the identified entity, a resource parameter for the identified entity; and when the resource parameter satisfies second predetermined criteria, generate a notification on an electronic device associated with the entity.
83.
SYSTEMS AND METHODS FOR AUTOMATED CONTEXT-AWARE SOLUTIONS USING A MACHINE LEARNING MODEL
A predictive context aware system, method and device tracks customer attributes comprising: an online customer behaviour of a particular customer of an entity when interacting with a computer application including a particular flow of navigational events when browsing the application indicative of the particular customer seeking assistance; provides the tracked customer attributes to a predictive machine learning model to determine a prediction of a primary intent comprising: at least one predicted problem encountered by the customer associated with the tracked customer attributes and a context of actions derived from the customer attributes, the model trained based on prior historical behaviour of other customers in the entity comprising browser navigational flows for others indicative of a known associated problem; dynamically determines a solution to the predicted problem based on accessing a database linking similar problems; and presents the solution and associated context of the solution to the computer device.
Methods and systems for providing vehicle insurance discounts. For example, the method includes presenting, by a computing device, one or more questions to a user; receiving, from the user by the computing device, one or more responses to the one or more questions; determining, by the computing device, a first discount value for an insurance policy of a vehicle based at least in part upon the one or more responses; applying, by the computing device, the first discount value to the insurance policy of the vehicle for a predetermined period of time; collecting, by the computing device, driving data associated with one or more trips made by the vehicle during the predetermined period of time; analyzing, by the computing device, the driving data and the one or more responses; and determining, by the computing device, a first weight and a second weight based at least in part upon the driving data.
A method is provided, comprising: obtaining training data including historical transcripts from historical user interactions, and indications of workflow statuses associated with each of the historical transcripts; training a machine learning model to classify transcripts from user interactions based on workflow status using the training data; applying the trained machine learning model to a new transcript from a new user interaction in order to identify a workflow status associated with the new transcript; generating a message to a user associated with the new user interaction based on the identified workflow status; analyzing the new transcript using a natural language processing algorithm to identify one or more triggers associated with the new transcript; modifying one or more parameters associated with the generated message to the user based on the one or more triggers associated with the new transcript; and transmitting the message to a device associated with the user.
The present disclosure generally relates to a computer device, method and system utilizing machine learning for capturing and analyzing profile data communicated across a computing environment including but not limited to: each user's profile, online behaviors and career progression path and provides dynamic recommendations of online actions to be performed to reach a desired target state.
A self-service system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to determine that a text-to-speech audio stream is to be sent to a mobile device; initiate a trusted session between the self-service system and the mobile device; engage a text- to-speech module to convert text displayed on a display screen of the self-service system to the text-to-speech audio stream; and send, via the communications module and to the mobile device, a signal that includes the text-to-speech audio stream.
H04W 4/18 - Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
H04W 4/20 - Services signalling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel
H04W 12/069 - Authentication using certificates or pre-shared keys
88.
SYSTEM AND METHOD FOR AUTOMATICALLY GENERATING A CUSTOMIZED INCENTIVE INTERFACE
A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to store, in a database and in association with a provider of one or more incentives, data associated with at least one bulk order of incentives, the data including identifying information of a purchaser of the at least one bulk order of incentives and a unique number for each incentive; authenticate a computing device associated with the provider of the one or more incentives; obtain, from the database, at least one graphical object associated with the provider of the one or more incentives; automatically generate a customized incentive interface by populating one or more interface elements of a white label incentive interface, the customized incentive interface including at least a summary of the at least one bulk order of incentives and the at least one graphical object associated with the provider of the one or more incentives; and send, via the communications module and to the computing device associated with the provider of the one or more incentives, a signal causing the computing device to display the customized incentive interface that includes at least the summary of the at least one bulk order of incentives and the at least one graphical object associated with the provider of the one or more incentives.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
89.
SYSTEM AND METHOD FOR PROVIDING ACCESS TO AN INCENTIVE MANAGEMENT APPLICATION
A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, authentication information to access an incentive management application; determine, based on the authentication information, an access level to access the incentive management application, the access level selected from an administration access level, a provider access level, or a purchaser access level, the administration access level assigned to one or more administration accounts and providing full access to the incentive management application, the provider access level assigned to one or more provider accounts and providing access to manage and fulfill incentive orders, and the purchaser access level assigned to one or more purchaser accounts and providing access to place and track incentive orders; and provide the computing device access to the incentive management application at the determined access level.
A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device associated with a requesting party, a signal that includes a web request to send one or more digital incentives and defines one or more scopes for the one or more digital incentives; in response to receiving the web request, automatically retrieve a white label incentive interface based at least on the one or more scopes for the one or more digital incentives; using the white label incentive interface, automatically generate a customized incentive interface by populating one or more interface elements of the white label incentive interface according to the one or more scopes, the customized incentive interface including at least one selectable interface element for accepting the one or more digital incentives; and send, to electronic addresses of a plurality of computing devices, a signal that includes the customized incentive interface.
91.
SYSTEM AND METHOD FOR CONFIRMING ELECTRONIC DELIVERY OF DIGITAL INCENTIVES
A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to obtain a list of incentives associated with a bulk order of incentives and electronic addresses of recipients of the incentives; assign one or more of the incentives to one or more of the electronic addresses; send, via the communications module and to the one or more of the electronic addresses, the incentives; and monitor an error log to confirm successful delivery of the incentives.
A rental self-service ("RSS") computer system, including a processor and a memory, is provided. The processor is programmed to: (i) retrieve policyholder insurance data using a claim identifier and a policyholder identifier; (ii) generate a customized link including the claim identifier and the policyholder identifier, wherein the customized link is executable on a user device to cause display of a searchable interface configured to enable the claimant to search for rentable vehicles from a plurality of vendors; (iii) in response to receiving the customized link from the user device, retrieve rental vehicle data including at least one rental vendor location and vehicle rental cost information; (iv) cause the retrieved rental vehicle data to be displayed on the user device to enable the claimant to view available rental options; and (v) receive confirmation of a rental reservation request of a selected rental option at a selected rental vendor location.
Systems and methods are provided for receiving a first request to access a first borrowed resource in association with a first account, determining that a second account that is associated with the first account has access to a first owned resource corresponding to the first borrowed resource, and in response to determining that the second account has access to the first owned resource, allowing access to the first borrowed resource via the first account; and restricting the first owned resource via the second account.
A system and method are provided for authorizing temporary use of accounts. The method is executed by a system and includes detecting that an account holder has selected a payment card to be shared with a recipient, the payment card being associated with an account. The method also includes determining a spending limit for the payment card by the recipient that has been set by the account holder and generating a pending transaction for the payment card with an amount corresponding to the spending limit and against which purchases made by the recipient are deducted. The method also includes providing the recipient with an electronic mechanism to add a temporary payment card to an application on a mobile device associated with the recipient, the temporary payment card being linked to the account to have purchases made using the temporary payment card be applied to that account. The method also includes detecting a purchase made by the recipient using the temporary payment card and modifying the pending transaction details based on the detected purchase.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Computing devices, platforms, methods, and storage media for providing data access are disclosed. Exemplary implementations may: obtain a device authorization token granting a computing device authenticated access to real-time equity quotes when the computing device is in an unauthenticated state; transmit, to a quote access server, an authorized quote access request specifying one or more equities for which one or more real-time equity quotes are requested; receive, from the quote access server, the one or more real-time equity quotes associated with the one or more equities; and provide, in the unauthenticated state, the one or more real-time equity quotes associated with the one or more equities. Example implementations make it simpler and easier to view real-time quotes, for example with a single swipe/gesture and without opening a financial institution app or logging in to a website hosted by a financial institution.
A system, method, and memory for handling real-time transactional events is disclosed. The exemplary system a processor to detect and add an event to a queue and identify an associated event type. Event types can require downstream processing by at least one provider. The processor decomposes the event into tasks by comparison to event types which associate downstream provider requirements to tasks and routes. One or more routes are assigned to the tasks, each route defined by at least one processor of a plurality of processors. One or more routes are defined by transmitting a request for downstream processing to the at least one provider. The processor, upon detecting incomplete performance of the one or more routes, either updates the tasks associated with the incomplete route, or marks the event associated with the route as incomplete in the queue.
Methods, apparatus and techniques are provided for a twin neural model for uplift. The methods include obtaining a dataset corresponding to a prediction task; performing, via a randomizer, a random selection of whether to apply an artificial neural network comprising a Siamese neural network to the dataset or whether to perform a random prediction for the prediction task; determining subsequent to the random selection of the randomizer, a gathered outcome for each prediction scenario based on applying or not applying the model to the dataset including a difference between the gathered outcome for each scenario; and, feeding back the gathered outcome and the difference to retrain the Siamese neural network model for use in performing the prediction task.
In an aspect, a computer-implemented method may include: performing word tokenization on identifiers in a first identifier set to obtain a first set of tokens; performing word tokenization on identifiers in a second identifier set to obtain a second set of tokens; obtaining a weighting value for each of a plurality of tokens in the first set of tokens and the second set of tokens based on a frequency of occurrence; for each identifier of a plurality of identifiers in the first identifier set and of a plurality of identifiers in the second identifier set, obtaining embeddings for the identifier based on the embeddings of tokens obtained by performing word tokenization on that identifier and based on the weighting value for such tokens; obtaining similarity metrics. The similarity metrics may be used for rapid query handling to generate user interface screens in real time.
A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to obtain trigger data identifying two or more resource types and criteria for triggering one or more actions associated with each of the two or more resource types; monitor resource consumption data to identify another resource type being provided to a resource requester; responsive to identifying the another resource type being provided to the resource requester, determine, based on the trigger data, one or more actions to be triggered; and trigger the one or more actions.
G06F 9/06 - Arrangements for program control, e.g. control units using stored programs, i.e. using an internal store of processing equipment to receive or retain programs
100.
SYSTEM AND METHOD FOR GENERATING AT LEAST ONE TRIGGER CATEGORY
A computer server system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor- executable instructions which, when executed by the processor, configure the processor to analyze resource consumption data to identify at least one emerging resource requester; generate at least one trigger category that includes the at least one emerging resource requester and at least one other resource requester; receive, via the communications module and from a computing device, a request to present the at least one trigger category; and send, via the communications module and to the computing device, a signal causing the computing device to display an interface that includes a selectable option to accept the at least one trigger category.
patents
