Abstract

The following generally relates to distributed ledger and artificial intelligence (AI) technology, and more particularly relates to loan approval/denial and explanation of loan approval/denial through distributed ledger and/or AI technology. In some embodiments, one or more processors: receive, from a user device of a user, loan application information; receive user information; analyze, via an AI and/or ML model, the loan application information and the user information to determine at least one loan parameter; determine whether a loan should be approved by inputting, into a smart contract, the determined at least one loan parameter; generate, via the AI and/or ML model, an explanation for whether the loan should be approved; and present the explanation of whether the loan should be approved.

IPC Classes  ?

• G06Q 40/03 - CreditLoansProcessing thereof

Abstract

The following generally relates to distributed ledger and artificial intelligence (AI) technology, and more particularly relates to identity verification through distributed ledger and/or AI technology. In some embodiments, one or more processors: receive, from a user device of a user, user-provided identity information; scrape, from a website, data of the user; add the scraped data of the user to a distributed ledger; and attempt to authenticate the user by inputting, into a smart contract stored on the distributed ledger: (i) the user-provided identity information, and (ii) the scraped data of the user added to the distributed ledger.

IPC Classes  ?

• G06F 21/31 - User authentication
• G06F 16/951 - IndexingWeb crawling techniques
• 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 67/306 - User profiles

Abstract

The following relates generally to generative artificial intelligence (AI), and more particularly to reducing “hallucinations” in generative AI solutions. In some embodiments, one or more processors: (i) receive an input statement; and (ii) generate a response to the input statement by inputting the input statement into a general adversarial network (GAN), the GAN comprising: (a) a generative network configured to send and receive data to a discriminative network; and (b) the discriminative network configured to send and receive data to the generative network, wherein the discriminative network was trained based on information of at least one domain.

IPC Classes  ?

• G06N 3/09 - Supervised learning
• G06N 3/0475 - Generative networks
• G06N 3/088 - Non-supervised learning, e.g. competitive learning

Goods & Services

Investment asset management services for retail and institutional investors

Abstract

Systems and methods for dynamically generating optimized application programming interfaces (APIs) using artificial intelligence (AI). The system may include an API database storing API data of a plurality of APIs of an API platform, and a generative AI model trained to generate an optimized API having at least a portion of the operational characteristics of one or more APIs of the API platform. The system may obtain an API call data stream of API calls from a user device to the APIs, and analyze the API call data stream to generate user-specific API transaction data. The generative AI model may receive the user-specific API transaction data and the API data to determine, and generate the optimized API. The system may configure the optimized API for execution, and provide the optimized API for execution by a user of the API platform.

IPC Classes  ?

• G06F 9/54 - Interprogram communication

Abstract

Techniques are described herein for system for preserving memories and experiences through a Non-Fungible Token (NFT) engine. An example system includes one or more memories storing a set of computer-readable instructions including the NFT engine and one or more processors interfacing with the one or more memories. The one or more processors are configured to execute the set of computer-readable instructions to cause the system to: receive data of a user from a time period, and execute the NFT engine to: analyze the data to classify a memory experienced by the user during the time period based on a memory threshold, generate, for display to the user, an NFT based on the memory, and mint the NFT corresponding to the memory to a blockchain, wherein a portion of the data associated with the memory is linked to the NFT.

IPC Classes  ?

• G06Q 30/0601 - Electronic shopping [e-shopping]
• G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer

Abstract

Systems and methods for dynamically mapping application programming interfaces (APIs). The system may include an API database storing API data indicating operational characteristics of one or more APIs. The system may include a mapping engine which causes the system to receive, from a user device, an API mapping request including API generation criteria. The system may generate the API mapping based upon the API generation criteria and the API data. The API mapping may include an association of at least a portion of the API generation criteria and functions of the one or more APIs satisfying the API generation criteria, an indication of a new API having new functions, an indication the APIs do not satisfy the API generation criteria, and/or an indication of the API generation criteria not satisfied by the API mapping. The system may provide the API mapping to the user device.

IPC Classes  ?

• G06F 9/54 - Interprogram communication
• G06F 8/30 - Creation or generation of source code

Abstract

The following relates generally to (i) building a data repository of question-answer pairs, and (ii) using the data repository to answer customer questions. In some embodiments, one or more processors: receive a first input statement; determine at least one domain corresponding to the first input statement; determine a first question based on the first input statement and the determined at least one domain; select based at least in part on the determined at least one domain, a generative AI model to apply to the first question; use the determined generative AI model to compose an answer to the first question; present the answer to a subject matter expert; receive, from the subject matter expert, approval of the answer; and in response to receiving approval, add the answer to a data repository.

IPC Classes  ?

• G06N 5/04 - Inference or reasoning models
• G06N 3/0475 - Generative networks

Abstract

A method for generating predictive and event-based action recommendations includes receiving, from at least one data source, input data representative of a user; generating, using a first machine learning model, a user behavior pattern for the user based on the input data representative of the user; classifying the user behavior pattern based on one or more personas representative of user characteristics; identifying, based on at least the input data and the one or more personas, an inefficiency in the user behavior pattern impacting a goal of the user; and generating, using a second machine learning model, a personalized recommendation for the user to remediate the inefficiency.

IPC Classes  ?

• G06Q 30/0207 - Discounts or incentives, e.g. coupons or rebates
• G06N 5/022 - Knowledge engineeringKnowledge acquisition
• G06Q 10/1057 - Benefits or employee welfare, e.g. insurance, holiday or retirement packages
• G06Q 40/06 - Asset managementFinancial planning or analysis
• G09B 19/00 - Teaching not covered by other main groups of this subclass

Abstract

A method for generating predictive and event-based action recommendations includes receiving, from at least one data source, input data representative of a user; classifying, using a first machine learning model, the input data based on one or more personas representative of user characteristics to generate classified input data; identifying, from the input data, at least one event associated with the user; and generating, based on the at least one event and the classified input data, a personalized recommendation for the user using one or more second machine learning models, wherein the personalized recommendation comprises a set of actions predicted to achieve the goal based on the impact on the goal caused by the at least one event.

IPC Classes  ?

• G06F 40/40 - Processing or translation of natural language
• G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
• G06F 16/28 - Databases characterised by their database models, e.g. relational or object models

Abstract

A system includes a memory, and a processing device, operatively coupled to the memory, to perform operations including obtaining, by at least one processing device, input data comprising a set of parameters associated with a computing environment, determining, by the at least one processing device using a machine learning (ML) model based on the input data, whether a device of the computing environment is due for an operating system (OS) upgrade, and in response to determining that the device is due for the OS upgrade, initiating, by the at least one processing device, the OS upgrade for the device.

IPC Classes  ?

• G06F 8/65 - Updates
• G06F 9/4401 - Bootstrapping

Abstract

A system includes a memory, and a processing device, operatively coupled to the memory, to perform operations including obtaining user data associated with a user, generating, using at least one machine learning (ML) model processing the user data, a virtual environment associated with an extended reality (XR) representation corresponding to a personalized recommendation for the user, and creating, based on the user data, a virtual avatar for the user reflecting a representation of the user within the virtual environment. The virtual avatar corresponds to a set of attributes representing visual features of the user.

IPC Classes  ?

• G06T 13/40 - 3D [Three Dimensional] animation of characters, e.g. humans, animals or virtual beings
• G06N 20/00 - Machine learning
• G06T 19/00 - Manipulating 3D models or images for computer graphics

Abstract

A system includes a memory, and a processing device, operatively coupled to the memory, to perform operations including receiving, from a user device associated with a user, a request to generate a personalized recommendation for the user, in response to receiving the request, obtaining user data associated with the user from a set of data sources, generating, using at least one machine learning model based on the user data, the personalized recommendation and an extended reality (XR) representation of the personalized recommendation accessible to the user via an XR system, and causing the personalized recommendation and the XR representation to be sent to the user.

IPC Classes  ?

• G06Q 10/0637 - Strategic management or analysis, e.g. setting a goal or target of an organisationPlanning actions based on goalsAnalysis or evaluation of effectiveness of goals

Goods & Services

Retirement plan default enrollment services

Abstract

Techniques for simulating transformation adoption are disclosed herein. An exemplary computer-implemented method may include receiving change data associated with an organizational change anticipated to affect members of a first group and inputting a portion of the change data into a persona model configured to generate responses representative of the first group. The persona model may be trained using a plurality of training change data and a plurality of group data as inputs to output a plurality of training responses. The exemplary method may further include generating, by executing the persona model, a response to the portion of the change data; and outputting the response for display to a user.

IPC Classes  ?

• G06Q 10/0637 - Strategic management or analysis, e.g. setting a goal or target of an organisationPlanning actions based on goalsAnalysis or evaluation of effectiveness of goals

Abstract

Techniques for implementing digital wallet applications supporting decentralized web integration are disclosed herein. An exemplary system includes: one or more processors; and a non-transitory computer-readable memory coupled to the one or more processors. The memory stores instructions thereon that, when executed by the one or more processors, cause the one or more processors to: initialize a digital wallet application associated with a user, wherein the digital wallet application is integrated with at least one decentralized web technology and hosted on a digital wallet platform. The digital wallet application also implements a digital wallet linked to a set of electronic accounts. The instructions further cause the one or more processors to obtain data from a set of data sources; and generate, using at least one machine learning (ML) model based on the data, a recommendation for the user related to at least one electronic account of the set of electronic accounts.

IPC Classes  ?

• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06N 20/00 - Machine learning
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

Goods & Services

Providing online, non-downloadable videos featuring educational content about retirement solutions in the nature of insights, thought leadership, and product messaging from industry leaders, clients, consultants, and participants

Goods & Services

Financial services advice and financial planning through the use of a web-based, automated and customized personal financial management service model that provides customized management of an individual's investment, banking and other personal financial accounts; investment advice for financial and retirement planning

Abstract

A method includes ingesting cybersecurity data collected from a set of data sources of a computing system of an enterprise to obtain input data, wherein each data source of the set of data sources generates data related to cybersecurity within the computing system, processing the input data to generate an analysis output comprising an assessment of cybersecurity risk within the computing system, and performing, based on the analysis output, at least one action to manage cybersecurity for the computing system. Performing the at least one action includes at least one of using a digital assistant for managing the cybersecurity of the computing system, or using an extended reality system to access a virtual environment for managing the cybersecurity of the computing system.

IPC Classes  ?

• G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
• G06F 21/55 - Detecting local intrusion or implementing counter-measures
• G06T 13/40 - 3D [Three Dimensional] animation of characters, e.g. humans, animals or virtual beings
• G06T 19/00 - Manipulating 3D models or images for computer graphics
• H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Financial services, namely, providing consultancy and financial information regarding planning for retirement

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Financial services, namely, retirement plan administration services

Goods & Services

Financial services, namely, providing a financial metric to quantify the benefit of annuitization

Goods & Services

Financial services, namely, a feature of fixed annuity issuance and administration services offering a discretionary award of additional lifetime income for long-term investors

Goods & Services

Financial services, namely, financial planning for retirement Educational services, namely, providing conferences and workshops in the fields of retirement and investments; Providing online non-downloadable software using artificial intelligence technology and large language models to provide customer and educational services in the fields of retirement and investments

Abstract

Disclosed are methods and systems for automatically configuring financial product offerings. An example method includes: receiving, by a computer system, a graph model representing a plurality of permutations of definition provisions of a financial product; translating at least a subset of the graph model into definitions of a plurality of business objects; translating the definitions of the plurality of business objects into definitions of a plurality of services to be implemented by an offering of the financial product; receiving, via a user interface, a plurality of service configuration options; applying the plurality of service configuration options to the definitions of the plurality of services; and generating, based on the definitions of the plurality of services, service configuration data for the offering of the financial product.

IPC Classes  ?

• G06Q 40/06 - Asset managementFinancial planning or analysis
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

Goods & Services

Financial services, namely, financial planning for retirement Educational services, namely, providing conferences and workshops in the fields of retirement and investments Providing online non-downloadable software using artificial intelligence technology and large language models to provide customer and educational services in the fields of retirement and investments

Goods & Services

Retirement plan recordkeeping services. Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; trust services, namely, fiduciary representative and investment management services. Educational services, namely, conducting educational workshops, conferences, and roundtable discussions in the fields of retirement trends and lifelong financial security, governance, financial stewardship, and organizational success and distribution of materials for informational, educational, training, and research purposes in connection therewith; educational services, namely, conducting practice management programs for financial advisors featuring relationship building techniques designed to enhance client acquisition, development, and retention efforts; educational services, namely, providing educational workshops on financial insurance, investment and retirement products and services and related issues to groups who influence institutional and individual decisions on financial products and their providers.

Goods & Services

Retirement plan recordkeeping services Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; trust services, namely, fiduciary representative and investment management services Educational services, namely, conducting educational workshops, conferences, and roundtable discussions in the fields of retirement trends and lifelong financial security, governance, financial stewardship, and organizational success and distribution of materials for informational, educational, training, and research purposes in connection therewith; educational services, namely, conducting practice management programs for financial advisors featuring relationship building techniques designed to enhance client acquisition, development, and retention efforts; educational services, namely, providing educational workshops on financial insurance, investment and retirement products and services and related issues to groups who influence institutional and individual decisions on financial products and their providers

Abstract

Disclosed are methods and systems for supervised machine learning for automated assistants. An example method includes: receiving an automated assistant transcript comprising a plurality of records, wherein each record of the plurality of records comprises a query, a classification of the query, an intent associated with the query, and a responsive action associated with the intent; receiving, via a graphical user interface (GUI), a user input indicating an approval of a new automated assistant transcript record; comparing the new automated assistant transcript record to one or more records of the plurality of records; and responsive to detecting a conflict of the new automated assistant transcript record with one or more records of the plurality of records, displaying, via the GUI, a notification of the conflict.

IPC Classes  ?

• G06F 40/30 - Semantic analysis
• G06N 20/00 - Machine learning
• G06F 40/35 - Discourse or dialogue representation
• G06F 18/22 - Matching criteria, e.g. proximity measures
• G06F 18/24 - Classification techniques
• G06F 18/21 - Design or setup of recognition systems or techniquesExtraction of features in feature spaceBlind source separation

Goods & Services

Financial services, namely, underwriting and administering annuities

Abstract

Disclosed are methods and systems for model-based data transformation. An example method includes: receiving a source graph model describing a source data structure, wherein the source graph model comprises a source root node associated with a plurality of source section nodes, wherein each source section node of the plurality of source section nodes is associated with at least one source attribute node; receiving a target graph model describing a target data structure, wherein the target graph model comprises a target root node associated with a plurality of target section nodes, wherein each target section node of the plurality of target section nodes is associated with at least one target attribute node; receiving a transformation map associating a target attribute node of the target data structure with one or more source attribute nodes of the source data structure; extracting, from the source data structure, one or more source data items associated with the one or more source attribute nodes; generating, by applying a transformation specified by the transformation map to the one or more source data items, a target data item associated with the target attribute node; and storing the target data item in the target data structure.

IPC Classes  ?

• G06K 9/62 - Methods or arrangements for recognition using electronic means

Abstract

Methods and systems of applying retroactive adjustments to financial data. An example method includes: receiving one or more adjustment records associated with a financial account; saving a snapshot of the financial account, the snapshot comprising a plurality of transaction records reflecting previously processed transactions associated with the financial account; merging the adjustment records and the transaction records to produce a plurality of adjusted transaction records; processing adjusted transaction records to produce an updated state of the financial account; comparing the saved snapshot to the updated state of the financial account to produce one or more adjustment events; and processing the adjustment events using one or more event processing rules.

IPC Classes  ?

• G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
• G06F 11/14 - Error detection or correction of the data by redundancy in operation, e.g. by using different operation sequences leading to the same result

Abstract

Systems and methods for providing a search-directed user interface for online banking applications. An example method may comprise: receiving, via a graphical user interface (GUI) session associated with an authenticated user, a search argument comprising a character string; executing, by a processing device, a search query by matching the character string to account data of one or more accounts that the authenticated user is authorized to access, the account data comprising a plurality of data items representing at least one of: financial product types, financial product identifiers, financial transaction types, financial transaction descriptions, financial transaction amounts, portfolio types, accounts, and aggregated financial indicators; and causing a data set produced by executing the search query to be visually represented via the GUI session.

IPC Classes  ?

• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06F 16/242 - Query formulation
• G06F 16/248 - Presentation of query results

Goods & Services

Financial services, namely, underwriting and administering annuities

Goods & Services

Educational services, namely, providing a financial education program

Goods & Services

Retirement plan recordkeeping services Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services Educational services, namely, conducting educational workshops, conferences, and roundtable discussions in the fields of retirement trends and lifelong financial security, governance, financial stewardship, and organizational success and distribution of materials for informational, educational, training, and research purposes in connection therewith; educational services, namely, conducting practice management programs for financial advisors featuring relationship building techniques designed to enhance client acquisition, development, and retention efforts; educational services, namely, providing educational workshops on financial insurance, investment and retirement products and services and related issues to groups who influence institutional and individual decisions on financial products and their providers

Abstract

Disclosed are methods and systems for supervised machine learning for automated assistants. An example method includes: receiving an automated assistant transcript comprising a plurality of records, wherein each record of the plurality of records comprises a query, a classification of the query, an intent associated with the query, and a responsive action associated with the intent; receiving, via a graphical user interface (GUI), a user input indicating an approval of a new automated assistant transcript record; comparing the new automated assistant transcript record to one or more records of the plurality of records; and responsive to detecting a conflict of the new automated assistant transcript record with one or more records of the plurality of records, displaying, via the GUI, a notification of the conflict.

IPC Classes  ?

• G06N 20/00 - Machine learning
• G06F 40/30 - Semantic analysis
• G06F 40/35 - Discourse or dialogue representation
• G06F 18/22 - Matching criteria, e.g. proximity measures
• G06F 18/24 - Classification techniques
• G06F 18/21 - Design or setup of recognition systems or techniquesExtraction of features in feature spaceBlind source separation

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Abstract

Disclosed are methods and systems for model-based data transformation. An example method includes: receiving a source graph model describing a source data structure, wherein the source graph model comprises a source root node associated with a plurality of source section nodes, wherein each source section node of the plurality of source section nodes is associated with at least one source attribute node; receiving a target graph model describing a target data structure, wherein the target graph model comprises a target root node associated with a plurality of target section nodes, wherein each target section node of the plurality of target section nodes is associated with at least one target attribute node; receiving a transformation map associating a target attribute node of the target data structure with one or more source attribute nodes of the source data structure; extracting, from the source data structure, one or more source data items associated with the one or more source attribute nodes; generating, by applying a transformation specified by the transformation map to the one or more source data items, a target data item associated with the target attribute node; and storing the target data item in the target data structure.

IPC Classes  ?

• G06K 9/62 - Methods or arrangements for recognition using electronic means

Abstract

Disclosed are methods and systems for automatically configuring financial product offerings. An example method includes: receiving, by a computer system, a graph model representing a plurality of permutations of definition provisions of a financial product; translating at least a subset of the graph model into definitions of a plurality of business objects; translating the definitions of the plurality of business objects into definitions of a plurality of services to be implemented by an offering of the financial product; receiving, via a user interface, a plurality of service configuration options; applying the plurality of service configuration options to the definitions of the plurality of services; and generating, based on the definitions of the plurality of services, service configuration data for the offering of the financial product.

IPC Classes  ?

• G06Q 40/06 - Asset managementFinancial planning or analysis
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06F 3/04847 - Interaction techniques to control parameter settings, e.g. interaction with sliders or dials

Abstract

Systems and methods for providing a search-directed user interface for online banking applications. An example method may comprise: receiving, via a graphical user interface (GUI) session associated with an authenticated user, a search argument comprising a character string; executing, by a processing device, a search query by matching the character string to account data of one or more accounts that the authenticated user is authorized to access, the account data comprising a plurality of data items representing at least one of: financial product types, financial product identifiers, financial transaction types, financial transaction descriptions, financial transaction amounts, portfolio types, accounts, and aggregated financial indicators; and causing a data set produced by executing the search query to be visually represented via the GUI session.

IPC Classes  ?

• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06F 16/242 - Query formulation
• G06F 16/248 - Presentation of query results

Abstract

Disclosed are methods and systems for automated customer enrollment using mobile communication devices. An example method includes: receiving, by a computer system, an identification document image produced by a mobile communication device; extracting, from the identification document image a personal identifying information item; computing a confidence score of the personal identifying information item; responsive to determining that the confidence score meets or exceeds a confidence threshold, creating a customer profile for a person identified by the identification document, wherein the customer profile comprises the personal identifying information item; and supplying the customer profile to a financial account creation workflow.

IPC Classes  ?

• G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
• G06Q 30/00 - Commerce
• G06Q 10/02 - Reservations, e.g. for tickets, services or events
• G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints

Goods & Services

Financial services advice and financial planning through the use of a web-based, automated and customized personal financial management service model that provides customized management of an individual's investment, banking and other personal financial accounts; investment advice for financial and retirement planning

Goods & Services

Financial services, namely, underwriting and administering annuities

Abstract

Methods and systems of malware detection in distributed computer systems. An example method includes: receiving, by a network router, a network packet originated by a client computer; matching the network packet to a default route; forwarding the network packet to a command and control server simulator; and forwarding, to the client computer system, one or more response packets comprising a command and control instruction issued to the client computer system by the command and control server simulator.

IPC Classes  ?

• H04L 29/06 - Communication control; Communication processing characterised by a protocol

Abstract

Systems and methods for evaluating and presenting software testing project status indicators. An example method may comprise: determining, by a computer system, a plurality of project status indicators comprising one or more average test execution rates, a required test execution rate, a test execution schedule variance, an actual test completion ratio, and/or a test completion schedule variance; and causing one or more project status indicators to be displayed in a visual relation to each other, to a timeline, and/or to another project's status indicators.

IPC Classes  ?

• G06F 9/44 - Arrangements for executing specific programs
• G06F 11/36 - Prevention of errors by analysis, debugging or testing of software
• G06Q 10/06 - Resources, workflows, human or project managementEnterprise or organisation planningEnterprise or organisation modelling

Goods & Services

Financial services, namely, underwriting and administering annuities

Goods & Services

Financial services, namely, underwriting and administering annuities

Goods & Services

Financial services, namely, underwriting and administering annuities

Goods & Services

Providing an online financial calculator

Abstract

Methods and systems of applying retroactive adjustments to financial data. An example method includes: receiving one or more adjustment records associated with a financial account; saving a snapshot of the financial account, the snapshot comprising a plurality of transaction records reflecting previously processed transactions associated with the financial account; merging the adjustment records and the transaction records to produce a plurality of adjusted transaction records; processing adjusted transaction records to produce an updated state of the financial account; comparing the saved snapshot to the updated state of the financial account to produce one or more adjustment events; and processing the adjustment events using one or more event processing rules.

IPC Classes  ?

• G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
• G06F 11/14 - Error detection or correction of the data by redundancy in operation, e.g. by using different operation sequences leading to the same result

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Financial services, namely, underwriting and administering annuities

Abstract

Systems and methods for visual presentation of metrics reflecting lifecycle events of software artifacts. An example method may comprise: receiving one or more data processing rules, each data processing rule specifying one or more operations to be performed on one or more raw data items reflecting lifecycle events associated with a software artifact; receiving, from one or more data collection agents, a plurality of raw data items; producing, by applying the data processing rules to the plurality of raw data items, a plurality of values of a metric reflecting lifecycle events associated with a plurality of software artifacts; and causing the values to be graphically represented using a graphical user interface (GUI) communicatively coupled to the processor.

IPC Classes  ?

• G06F 8/71 - Version control Configuration management
• G06F 8/77 - Software metrics
• G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation
• G06Q 10/06 - Resources, workflows, human or project managementEnterprise or organisation planningEnterprise or organisation modelling
• G06Q 10/00 - AdministrationManagement

Abstract

Systems and methods for identifying failed customer experience in distributed computer systems. An example method comprises: receiving, by an application performance management (APM) server associated with a distributed computer system, an application layer message associated with a request originated by a client computer system responsive to an action by a user; identifying a failed customer experience error by analyzing the application layer message; and causing a first graph to be rendered by a graphical user interface in a visual association with a second graph representing a number of user login events grouped by a pre-defined period of time, wherein the first graph represents a number of identified failed customer experience errors grouped by the pre-defined period of time.

IPC Classes  ?

• G06F 11/00 - Error detectionError correctionMonitoring
• G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance
• G06F 16/00 - Information retrievalDatabase structures thereforFile system structures therefor
• G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation
• G06F 11/30 - Monitoring
• G06F 11/08 - Error detection or correction by redundancy in data representation, e.g. by using checking codes
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
• G06F 17/40 - Data acquisition and logging

Abstract

Methods and systems of malware detection in distributed computer systems. An example method includes: receiving, by a network router, a network packet originated by a client computer; matching the network packet to a default route; forwarding the network packet to a command and control server simulator; and forwarding, to the client computer system, one or more response packets comprising a command and control instruction issued to the client computer system by the command and control server simulator.

IPC Classes  ?

• H04L 29/06 - Communication control; Communication processing characterised by a protocol

Goods & Services

Underwriting and administering life insurance with a death benefit intended to replace income

Goods & Services

Financial services, namely, providing financial consultancy and financial information to help achieve financial security

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Retirement investment services, namely, asset allocation services in the form of diversified investment models for specified investor objectives and providing investment information to retirement plan participants

Goods & Services

Retirement plan recordkeeping services. Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services. Educational services, namely, conducting educational workshops, conferences, and roundtable discussions in the fields of retirement trends and lifelong financial security, governance, financial stewardship, and organizational success and distribution of materials for informational, educational, training, and research purposes in connection therewith; educational services, namely, conducting practice management programs for financial advisors featuring relationship building techniques designed to enhance client acquisition, development, and retention efforts; educational services, namely, providing educational workshops on financial insurance, investment and retirement products and services and related issues to groups who influence institutional and individual decisions on financial products and their providers.

Abstract

Systems and methods for visual presentation of metrics reflecting lifecycle events of software artifacts. An example method may comprise: receiving one or more data processing rules, each data processing rule specifying one or more operations to be performed on one or more raw data items reflecting lifecycle events associated with a software artifact; receiving, from one or more data collection agents, a plurality of raw data items; producing, by applying the data processing rules to the plurality of raw data items, a plurality of values of a metric reflecting lifecycle events associated with a plurality of software artifacts; and causing the values to be graphically represented using a graphical user interface (GUI) communicatively coupled to the processor.

IPC Classes  ?

• G06F 8/71 - Version control Configuration management
• G06F 8/77 - Software metrics
• G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation
• G06Q 10/00 - AdministrationManagement
• G06Q 10/06 - Resources, workflows, human or project managementEnterprise or organisation planningEnterprise or organisation modelling

Goods & Services

Retirement plan recordkeeping services Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services

Goods & Services

Financial services, namely, wealth transfer services, and financial planning

Goods & Services

Retirement plan recordkeeping services Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services

Goods & Services

Electronic storage of data and documents for personal information management

Abstract

Systems and methods for presenting application performance monitoring data in distributed computer systems. An example method may comprise: receiving, by a processing device, one or more application performance monitoring (APM) rules, each APM rule determining an application operational status based on one or more APM parameters; receiving APM data comprising a plurality of APM data items representing values of the APM parameters of a software application; determining an operational status of the software application by applying the APM rules to the APM data; and causing the operational status to be visually represented via a graphical user interface (GUI).

IPC Classes  ?

• 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
• H04L 12/26 - Monitoring arrangements; Testing arrangements
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
• H04L 29/06 - Communication control; Communication processing characterised by a protocol

Goods & Services

Administration, management, and investment of charitable remainder trusts and other planned gifts for nonprofit institutions; endowment management; donor advised funds; consultation services in the field of development, administration, and investment of planned gifts; investment advisory, management, and consulting services

Goods & Services

Administration, management, and investment of charitable remainder trusts and other planned gifts for nonprofit institutions; endowment management; donor advised funds; consultation services in the field of development, administration, and investment of planned gifts; investment advisory, management, and consulting services

Abstract

Systems and methods for evaluating and presenting software testing project status indicators. An example method may comprise: determining, by a computer system, a plurality of project status indicators comprising one or more average test execution rates, a required test execution rate, a test execution schedule variance, an actual test completion ratio, and/or a test completion schedule variance; and causing one or more project status indicators to be displayed in a visual relation to each other, to a timeline, and/or to another project's status indicators.

IPC Classes  ?

• G06F 9/44 - Arrangements for executing specific programs
• G06F 11/36 - Prevention of errors by analysis, debugging or testing of software
• G06Q 10/06 - Resources, workflows, human or project managementEnterprise or organisation planningEnterprise or organisation modelling

Goods & Services

Retirement plan recordkeeping services Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services Educational services, namely, conducting educational workshops, conferences, and roundtable discussions in the fields of retirement trends and lifelong financial security, governance, financial stewardship, and organizational success and distribution of materials for informational, educational, training, and research purposes in connection therewith; educational services, namely, conducting practice management programs for financial advisors featuring relationship building techniques designed to enhance client acquisition, development, and retention efforts; educational services, namely, providing educational workshops on financial insurance, investment and retirement products and services and related issues to groups who influence institutional and individual decisions on financial products and their providers

Abstract

Systems and methods for identifying failed customer experience in distributed computer systems. An example method may comprise: receiving, by a processing device of a distributed computer system, a first application layer message associated with a request originated by a client computer system responsive to an action by a user, wherein the first application layer message comprises a transaction identifier identifying a sequence of messages originated by one or more components of the distributed computer system and associated with the request; identifying a pre-defined byte pattern comprised by the first application layer message; and identifying, based on the pre-defined byte pattern, at least one of: a system error associated with the transaction or an application error associated with the transaction.

IPC Classes  ?

• G06F 11/00 - Error detectionError correctionMonitoring
• G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance
• G06F 17/30 - Information retrieval; Database structures therefor
• G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure

Goods & Services

Financial services, namely, providing consultancy and financial information regarding planning for retirement

Goods & Services

Conducting financial research in relation to higher education, nonprofit and public sectors in order to foster better understanding, decision-making and innovation by policymakers, researchers, financial advisors and leaders of higher educational institutions Hosting educational events on topics related to financial security and organizational effectiveness for individuals who influence institutional and individual decisions on financial products and their providers

Abstract

Systems and methods for identifying a browser for rendering an electronic document. An example method may comprise: intercepting, by a software component being executed by a computer system within a context of a first browser, a procedure call to open a new browser window for rendering an electronic document; identifying, in view of an identifier of the electronic document, a second browser; and causing the second browser to render the electronic document.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
• G06F 17/30 - Information retrieval; Database structures therefor

Abstract

Systems and methods for providing transaction identifiers for application performance management in distributed computer systems. An example method may comprise: receiving, by a first computer system, a first message; identifying, based on a pre-defined byte pattern, an incoming transaction identifier within the first message; responsive to failing to identify the incoming transaction identifier, generating a new transaction identifier; transmitting, to a second computer system, a second message associated with the first message, the second message comprising a transaction identifier provided by one of: the incoming transaction identifier or the new transaction identifier; and transmitting, to a third computer system, a third message representing a log record, the third message comprising the transaction identifier.

IPC Classes  ?

• 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
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure

Abstract

Systems and methods for visualization of performance parameters of distributed computer systems. An example method may comprise: receiving data representing a geographic location of a client computer system issuing a plurality of requests to a server computer system, the data further comprising a plurality of values representing one or more parameters of request processing by the server computer system; and generating a sequence of video frames, each video frame of the sequence of video frames comprising a visual element of a pre-defined shape overlaid over a geographic map in a position corresponding to the geographic location of the client computer system, wherein a pre-defined attribute of the visual element visually represents one or more values of the plurality of values.

IPC Classes  ?

• 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
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure

Goods & Services

Providing financial information via a web site featuring planned gift management data, namely, donor account information, investment allocation, performance data and a searchable financial resource library

Goods & Services

financial services, namely, providing consultancy and financial information regarding planning for retirement

Goods & Services

financial services, namely, providing consultancy and financial information regarding planning for retirement

Goods & Services

Banking services; financial services, namely, wealth management services, custodial services, namely, maintaining possession of financial assets for others for financial management purposes, and offering individual retirement accounts; trust services, namely, investment and trust company services

Goods & Services

Retirement plan recordkeeping services Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services Educational services, namely, conducting educational workshops, conferences, and roundtable discussions in the fields of retirement trends and lifelong financial security, governance, financial stewardship, and organizational success and distribution of materials for informational, educational, training, and research purposes in connection therewith; educational services, namely, conducting practice management programs for financial advisors featuring relationship building techniques designed to enhance client acquisition, development, and retention efforts; educational services, namely, providing educational workshops on financial insurance, investment and retirement products and services and related issues to groups who influence institutional and individual decisions on financial products and their providers

Goods & Services

Retirement plan recordkeeping services Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services Educational services, namely, conducting educational workshops, conferences, and roundtable discussions in the fields of retirement trends and lifelong financial security, governance, financial stewardship, and organizational success and distribution of materials for informational, educational, training, and research purposes in connection therewith; educational services, namely, conducting practice management programs for financial advisors featuring relationship building techniques designed to enhance client acquisition, development, and retention efforts; educational services, namely, providing educational workshops on financial insurance, investment and retirement products and services and related issues to groups who influence institutional and individual decisions on financial products and their providers

Goods & Services

Retirement plan recordkeeping services Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services Educational services, namely, conducting educational workshops, conferences, and roundtable discussions in the fields of retirement trends and lifelong financial security, governance, financial stewardship, and organizational success and distribution of materials for informational, educational, training, and research purposes in connection therewith; educational services, namely, conducting practice management programs for financial advisors featuring relationship building techniques designed to enhance client acquisition, development, and retention efforts; educational services, namely, providing educational workshops on financial insurance, investment and retirement products and services and related issues to groups who influence institutional and individual decisions on financial products and their providers

Goods & Services

Retirement plan recordkeeping services Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services Educational services, namely, conducting educational workshops, conferences, and roundtable discussions in the fields of retirement trends and lifelong financial security, governance, financial stewardship, and organizational success and distribution of materials for informational, educational, training, and research purposes in connection therewith; educational services, namely, conducting practice management programs for financial advisors featuring relationship building techniques designed to enhance client acquisition, development, and retention efforts; educational services, namely, providing educational workshops on financial insurance, investment and retirement products and services and related issues to groups who influence institutional and individual decisions on financial products and their providers

Goods & Services

Underwriting and administering insurance, namely, life and annuities; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds and annuities, to sponsors and participants of retirement and deferred compensation plans and to the general public; providing financial services, namely, investment, administration, distribution and management of assets to individual and institutional investors, endowments and trusts, through a range of registered and unregistered investment vehicles, joint ventures and other structures across a variety of asset classes, namely, equity, fixed income, real estate and alternative investment strategies; administering trusts and tuition savings programs for others; broker/dealer and investment advisory services for a variety of investment vehicles, namely, mutual funds, annuities, IRAs and managed account programs; banking services and trust services, namely, fiduciary representative and investment management services

Goods & Services

financial services, namely, providing consultancy and financial information regarding planning for retirement

Goods & Services

(1) Investment advisory services; consultation services; investment distribution services; provision of investment information; investment management services; investment services; management services; syndication; brokerage; lending; funds investment services; financing services; appraisals; leasing; site selection; valuation; acquisition services; escrow services; real estate development; closing and settlement; all of the foregoing relating to real estate or real estate services.

Abstract

The APPARATUSES, METHODS AND SYSTEMS FOR A COMPLIANCE COORDINATOR (“COMPLIANCE COORDINATOR”) provides a facility for facilitating compliance with regulation of retirement savings plans with multiple plan vendors, including 403(b) plans. In one embodiment, the Compliance Coordinator effects aggregation of data relevant to regulatory compliance across multiple vendors serving retirement savings plans, and sharing of aggregated data among vendors to allow for compliance monitoring and analysis. In one embodiment, the Compliance Coordinator may also provide compliance analysis facilities to analyze aggregated plan data for regulatory compliance, determine compliance statuses, generate compliance reports, and/or the like.

IPC Classes  ?

• G07B 17/00 - Franking apparatus
• G07F 19/00 - Complete banking systemsCoded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes

Goods & Services

Underwriting and administering insurance, namely, annuities; financial administration of retirement plans; providing financial services, namely, investment, administration, distribution and overseeing of investment vehicles, namely, mutual funds, individual retirement accounts and annuities, and fixed and variable annuities, to sponsors, individuals, and participants of retirement and deferred compensation plans; broker/dealer services for a variety of investment vehicles, namely, mutual funds, individual retirement accounts and annuities, and fixed and variable annuities; providing information about investment management and retirement planning

Goods & Services

Banking services; financial services, namely, wealth management services, custodial services, namely, maintaining possession of financial assets for others for financial management purposes, and offering individual retirement accounts; trust services, namely, investment and trust company services

Goods & Services

Education services, namely, providing live and on-line conferences, classes, seminars, and workshops in the field of retirement strategy, health and welfare benefits, behavioral economics/communication, compensation, change management, and other relevant issues affecting benefit plans, programs, and arrangements

Goods & Services

Insurance services, namely, underwriting, issuing and administration of life insurance