A computer-implemented method for managing large datasets is disclosed. The method may include receiving source data from a data source for staging in a staging database. The method may include storing the source data in the staging database in a source data format. The method may include transmitting the source data from the staging database to a working database. The method may include segmenting the source data into one or more datasets within the working database based on one or more data patterns. The method may include transmitting each dataset to an associated consumption database within a sub-layer. The method may include receiving a request to query the associated consumption database. The method may include executing the query and returning a query result.
Technologies for real-time position determination include a compute device. The compute device includes circuitry configured to obtain, by aggregating multiple data streams of an event streaming system, financial status data indicative of balances and transactions associated with financial accounts of a customer of a financial institution. The circuitry may additionally be configured to determine, based on the obtained financial status data, a financial position indicative of a consolidation of the financial status data for the customer of the financial institution. Further, the circuitry may be configured to provide a user interface indicative of the financial position of the customer.
Technologies for real-time payments monitoring include a compute device. The compute device includes circuitry configured to obtain, by subscribing to at least one topic of an event streaming system associated with a predefined set of payment systems or financial products, financial transaction data indicative of financial transactions associated with one or more accounts of a financial institution. The circuitry may also be configured to analyze the obtained financial transaction data to determine a present condition associated with the financial transactions. Additionally the circuitry may be configured to provide result data indicative of the present condition to a user for review.
Systems and methods are disclosed for preventing fraudulent operations. In some embodiments, the system or method includes a memory and a processer. Some embodiments include a processor configured to receive pending operation information, the pending operation information corresponding to a secure operation device and including at least one pending operation. In some embodiments, the processor may present an approval request and prompt the user to approve the pending operation and may be further configured to receive a user input including one of an approval or a disapproval of the approval request and upon receiving an approval of the approval request, perform a primary user identity verification to authenticate a user. In some embodiments, the processor may be configured to authorize the pending operation based on the primary user identity verification. In some embodiments, after the operation has been approved and user identity is verified, the system may complete the operation.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
The disclosed embodiments describe systems and methods for providing an automated governance platform for software development. A user selection of a policy of a plurality may be received. The policy may be comprised of policy code provided by a user during the software development. A user selection of current version or a previous version of the selected policy may be selected. The policy code may be compared to the code provided by the user. Based on the comparison, an outcome may be determined. The outcome may be comprised of a plurality of respective outcomes corresponding to each of the plurality of policy requirements. Each of the plurality of respective outcomes may be indicative of whether each corresponding policy requirement is satisfied, not satisfied, not required, or unavailable. The outcome of the application may be provided. The outcome may restrict or permit the change to the code.
Systems and methods automatically optimize database queries for a distributed database management platform of an enterprise. A server system of a distributed database management platform receives data queries from users associated with the enterprise for data stored in the distributed database management platform. The server system assigns a score to each of the data queries, with the score for a data query being indicative of a quality of the data query. The server system generates, based on the scores for the data queries, a general score for at least one user group. The server system automatically undertakes a computing query optimization action for the at least one user group based on the general score for the at least one user group.
Computer-implemented systems and methods use an AI-assisted code generation tool with the dynamic application context enrichment engine that collects, iteratively if necessary, contextual data about IT infrastructure of the enterprise, such as contextual information from architectural systems, tools and platforms of the enterprise. That enriched contextual information can be passed to the AI-assisted code generation tool so that the AI-assisted code generation tool can provide more well-informed, tailored responses for the user.
41 - Éducation, divertissements, activités sportives et culturelles
Produits et services
Education services, namely, providing panel discussions in the field of leadership and entrepreneurship; Educational and entertainment services, namely, providing motivational and educational speakers
Technologies for lending behavior detection include a compute device. The compute device includes circuitry configured to obtain financial transaction data indicative of financial transactions associated with one or more lending financial products of a financial institution. The circuitry may also be configured to apply, as a function of a corresponding lending financial product associated with the financial transactions, one or more tests to the obtained financial transaction data to detect risk exposure. Additionally, the circuitry may be configured to generate, in response to a determination that risk exposure has been detected, an alert to enable a human reviewer to evaluate the corresponding financial transaction data.
Computer-implemented systems and methods for monitoring the health of a digital application system include a health user interface and a health application programming interface (API). The health user interface may display pages that include a deployment marked in the user interface responsive to health status. The deployment includes pods having containers displaying with health information. The health API may host a page update process, a deployment update process, and a deployment health history purge process, configured to link page structure information and deployment information to display on the health user interface. The page update process updates pages based on a routelog run by a first scheduled period. The deployment update process updates deployment information from a deployment API through a deployment client by a second scheduled period. The deployment health history purge process deletes deployment entries older than a predetermined date by a third scheduled period.
H04L 67/025 - Protocoles basés sur la technologie du Web, p. ex. protocole de transfert hypertexte [HTTP] pour la commande à distance ou la surveillance à distance des applications
In one implementation, systems and methods are provided for processing digital experience information. A computer-implemented system for processing digital experience information may comprise a central data location. The central data location may comprise a connector that may be configured to receive information belonging to a category from an information source; an event backbone that may be configured to route the information received by the connector based on the category; a translator that may be configured to transform the received information into a common data model; and a database that may be configured to store the received information. The event backbone may be further configured to send information to the connector from the event backbone and the database based on one or more criteria.
G06F 16/17 - Détails d’autres fonctions de systèmes de fichiers
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
A system for categorizing data in or more domains for storage in a database. The system may include at least one processor; and at least one memory configured to execute the instructions to perform operations. The operations may include receiving the one or more data domains from a source system, wherein each of the one or more data domains is configured to be distributed between one or more applications and each of the data domains is categorized according to a logical grouping of the data domains based on instruments within the source system for storage within the database; store the categorized data for each of the or more data domains within the database; and further categorize each of the one or more data domains as having a data velocity selected from a range of data velocities, each representative of a frequency with which data of the data domain changes.
G06F 16/901 - IndexationStructures de données à cet effetStructures de stockage
G06F 16/20 - Recherche d’informationsStructures de bases de données à cet effetStructures de systèmes de fichiers à cet effet de données structurées, p. ex. de données relationnelles
G06F 16/353 - PartitionnementClassement dans des classes prédéfinies
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p. ex. programmes de miles pour voyageurs fréquents ou systèmes de points
A system can include a physical payment card, a point-of-sale card payment device for processing a payment using the physical payment card, and a card payment network in communication with the point-of-sale card payment device. The physical payment card includes embedded data and non-embedded data. Embedded data may include payment information required for processing a payment using the physical payment card, where at least a portion of the payment information is not printed visibly on the physical payment card. Non-embedded data may include a multi-character code may include at least one special character, where the multi-character code is required for processing a payment using the physical payment card.
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p. ex. cartes à puces ou cartes magnétiques
G06K 19/073 - Dispositions particulières pour les circuits, p. ex. pour protéger le code d'identification dans la mémoire
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
The present disclosure is generally related to systems and methods for executing events associated with an asset, which involve election of a multiplier of the asset by an owner of the asset. The present disclosure provides systems and methods for presenting an event associated with an asset to an owner of the asset, setting up a system for executing an event associated with an asset, and presenting an election result in an event associated with an asset, respectively.
Systems and methods automate user and group creation for enterprises utilizing advanced email and calendar server solution servers in large enterprise systems. A server can: receive at least one file from at least one of the at least one database; read the at least one file; based on the at least one file, execute an automated periodic process to: determine a total number of users in a group of the groups; add at least one user from the at least one file to the group of the groups, based on the total number of users in the group being below the maximum number of users per group; and add at least one user in a subsequent group of the groups, based on the total number of users in the group not being below the maximum number of users per group.
Disclosed is a system and method to perform payments from a customer to a payee. The system includes a computer-implemented payment server system including a payment scheduling system including a web-based interface to receive payment data, an intelligent routing module to schedule a payment based on the payment data, and a payment staging engine to perform the scheduled payment. The payment server system is to receive, by the web-based interface, payment data for one or more payments. The payment server system is further to determine payment scheduling data for each of the one or more payments. The payment scheduling data includes a determination whether the payment can be made by a requested payment date and a preferred payment network. The payment server system is to transmit payment for each actionable payment via a preferred payment network for each actionable payment.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
21.
DEPLOYING MULTIPLE VERSIONS OF SOFTWARE SIMULTANEOUSLY, WITH SCALING OF TRAFFIC BETWEEN VERSIONS
Computer-based systems and methods control network traffic allocation to different versions of a software application for a service. A first version of the software application runs on a first network resource and a second, different version of the software application runs on a second network resource. A load balancer is in communication with the first and second network resources. A toggle interface receives user input indicative of a desired network traffic allocation between the first and second versions of the software application. A version control service is for: periodically polling the toggle interface for an updated network traffic allocation between the first and second versions of the software application, where the updated network traffic allocation is based on the user input received by the toggle interface; and communicating the updated network traffic allocation between the first and second versions of the software application to the load balancer. The load balancer is for allocating network traffic for the software application to the first and second versions of the software application in accordance with the updated network traffic allocation.
In one implementation, systems and methods are provided for collecting and sharing digital experience information. A computer-implemented system for collecting and distributing digital experience information may comprise a digital experience application that may be configured to host a plurality of micro-applications, a first micro-application being able to be configured to detect application events and application states; a connector that may be configured to receive information corresponding to the detected application events and application states and belonging to a category; an event backbone that may be configured to route the information received by the connector based on the category; a database that may be configured to store the received information; wherein the event backbone may be further configured to send information to the connector from the event backbone and the database based on one or more criteria; and wherein a second micro-application may be configured to receive information belonging to the category from the connector.
G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuéesArchitectures de systèmes de bases de données distribuées à cet effet
G06F 16/28 - Bases de données caractérisées par leurs modèles, p. ex. des modèles relationnels ou objet
23.
SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA
A system and method for validating target account data based on inputs from a user. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; receiving a first input; receiving a second input; enabling selection of an activatable element; conducting a lookup associated with the received inputs; receiving a result of the lookup; transforming the result of the lookup into a transformed result that predicts the probability of verification; and displaying transformed result to demonstrate the validity of the received inputs.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
24.
COMPUTER SYSTEMS AND METHODS FOR COMPLIANT COLLECTION OF PREMIUMS OWED TO A HEALTHCARE SERVICES PAYER VIA AUTOMATED CLEARING HOUSE (ACH) TRANSFERS
Methods and systems for automating compliant collection of premiums are disclosed. The premiums can be collected by a financial institution. The premiums can be owed to a healthcare services payer from subscribers to the healthcare services payer.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
25.
SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA
A system and method for validating target account data based on inputs from a user. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; receiving a first input; receiving a second input; enabling selection of an activatable element; conducting a lookup associated with the received inputs; receiving a result of the lookup; transforming the result of the lookup into a transformed result that predicts the probability of verification; and displaying transformed result to demonstrate the validity of the received inputs.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
A system for providing a backlog of architectural information for storage in a database. The system may include at least one processor; and at least one memory configured to execute the instructions to perform operations. The operations may include reporting architectural information corresponding to the graph database; generating the architectural information from one or more data domains, the architectural information being generated based on an architectural dataset within the graph database; and distributing architectural information associated with the data domains, to report insights related to the architectural information via a data visualization software.
System and methods validate a tangible financial instrument, such as a paper check, that comprises printed or embedded thereon a readable security graphic. The readable security graphic is decodable to a public key or token for the tangible financial instrument. Each key/token can correspond to a financial instrument of an account of an account holder. A host server can retrieve a private key associated with the first account identifier. The host server can then compare the public key/token with the private key associated with the first account identifier. Upon a determination that the private key associated with the first account identifier is paired with the public key or token, the host system can generate and issue an approval notification for the tangible financial instrument. Conversely, the host system can issue a warning notification for the first tangible financial instrument if there is no match.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
28.
SELF-HEALING TECHNOLOGY FOR COMPUTER SERVICES OF AN IT INFRASTRUCTURE
A self-healing system comprising a monitoring tool to detect incidents within a service, an alerting system coupled to the monitoring tool, a ticketing system coupled to the alerting system, and a self-healing solution configured to execute a solution to the incident. The alerting system is configured to create an event based on the incident. The ticketing system is configured to create a ticket based on a status of the incident.
The present disclosure describes computer-implemented methods and systems for automating application processing with dynamic data collection and augmentation related to applicants' behavior. The method includes receiving a plurality of applications with corresponding information, then aggregating, storing, and preprocessing data related to the applicants' behavior. The method also includes a machine learning model including a training dataset, a feature selection module, a hyperparameter tuning module, and a prediction model. The method includes predicting the application outcome based on the application information and behavior data and generating an underwriting decision based on the prediction. The method further includes providing underwritten applications for display and receiving a selection of a subset of the underwritten applications.
G06Q 40/06 - Gestion de biensPlanification ou analyse financières
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
30.
SYSTEMS AND METHODS FOR DATA PROCESSING AND FEATURE RECOGNITION
A computer-implemented method for performing a data processing and feature recognition processes. The method includes processing user transaction data associated with user transactional behaviors in a multi-layered data storage system, providing a user transactional behavior dataset at a processor, and collecting a plurality of user transactional behavior data associated with the user transactional behavior dataset.
A computer-implemented method for managing large datasets is disclosed. The method may include receiving source data from a data source for staging in a staging database. The method may include storing the source data in the staging database in a source data format. The method may include transmitting the source data from the staging database to a working database. The method may include segmenting the source data into one or more datasets within the working database based on one or more data patterns. The method may include transmitting each dataset to an associated consumption database within a sub-layer. The method may include receiving a request to query the associated consumption database. The method may include executing the query and returning a query result.
Correspondence identity verification system comprises correspondence generation means for generating a first correspondence to be sent from a financial institution to a first account holder. The first correspondence comprises a first secret code, where the first secret code signifies a first identifying characteristic of the first correspondence; where the financial institution is configured to identify the first correspondence based at least in part on the first secret code received from the first account holder. Correspondence generation means is further for generating a second correspondence sent from the financial institution to the first account holder, where the second correspondence comprises a second secret code that signifies a second identifying characteristic of the second correspondence, and where the financial institution is configured to identify the second correspondence based at least in part on the second secret code received from the first account holder.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
A system for categorizing data in or more domains for storage in a database. The system may include at least one processor; and at least one memory configured to execute the instructions to perform operations. The operations may include receiving the one or more data domains from a source system, wherein each of the one or more data domains is configured to be distributed between one or more applications and each of the data domains is categorized according to a logical grouping of the data domains based on instruments within the source system for storage within the database; store the categorized data for each of the or more data domains within the database; and further categorize each of the one or more data domains as having a data velocity selected from a range of data velocities, each representative of a frequency with which data of the data domain changes.
G06F 16/00 - Recherche d’informationsStructures de bases de données à cet effetStructures de systèmes de fichiers à cet effet
G06F 16/20 - Recherche d’informationsStructures de bases de données à cet effetStructures de systèmes de fichiers à cet effet de données structurées, p. ex. de données relationnelles
G06F 16/353 - PartitionnementClassement dans des classes prédéfinies
G06F 16/901 - IndexationStructures de données à cet effetStructures de stockage
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 30/0226 - Systèmes d’incitation à un usage fréquent, p. ex. programmes de miles pour voyageurs fréquents ou systèmes de points
A system and method of transferring digital assets is disclosed. The method can comprises effecting a transaction comprising a user authorizing a transfer of a digital asset from a consumer wallet to an account, updating the blockchain ledger of the first digital asset to reflect the transfer, and characterizing the digital asset as compliant or non-compliant based on evaluating the digital asset for suspicious blocks in the blockchain ledger. Compliant digital assets can be exchanged for fiat currency and deposited in the target account. Non-compliant digital assets can be held in a managed wallet of a custody provider.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
The present disclosure is directed to a system for maintaining a relational data model for storage in a database. The operations may include generating a data analysis algorithm trained to predict relationships in a data domain according to an architectural framework; access, a graph database that includes nodes and edges as a data model for representing data objects of the data domain according to the architectural framework; query the data objects using a modeling language for the database; and apply the data analysis algorithm to identify patterns in the graph database.
In one implementation, systems and methods are provided for processing digital experience information. A computer-implemented system for processing digital experience information may comprise a central data location. The central data location may comprise a connector that may be configured to receive information belonging to a category from an information source; an event backbone that may be configured to route the information received by the connector based on the category; a translator that may be configured to transform the received information into a common data model; and a database that may be configured to store the received information. The event backbone may be further configured to send information to the connector from the event backbone and the database based on one or more criteria.
G06F 16/17 - Détails d’autres fonctions de systèmes de fichiers
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
Disclosed is a method, including training a machine learning model to a desired performance level on a set of training data to generate fraud prediction scores for authorized payments, and after training the machine learning model to the desired performance level, determining a first fraud prediction score for a first authorized payment to a first credit account. The machine learning model includes a plurality of gradient-boosted decision trees. Determining the first fraud prediction score comprises: receiving first payment transaction data for a first payment to the first credit account, requesting historical data associated with the first account holder and first credit account, inputting the first payment transaction data and the historical data into the machine learning model, and receiving a first fraud prediction score from the machine learning model. The method further includes determining a payment float duration for a credit card account based on the first fraud prediction score.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails
38.
TECHNOLOGIES FOR EFFICIENTLY PROVIDING INSIGHTS FROM DATA SETS
Technologies for efficiently providing insights from one or more data sets include a compute device. The compute device includes circuitry configured to obtain a data analysis model, constructed with a user interface provided by the compute device, to be applied to financial transaction data indicative of financial transactions pertaining to a set of financial accounts. The circuitry is also configured to apply the data analysis model to the financial transaction data to identify one or more insights indicative of anomalous behavior. Further, the circuitry is configured to present the one or more insights in the user interface.
Disclosed is a method for authorizing a transaction hold renewal. The method including receiving a request to place a transaction hold on a financial account managed by a financial institution, updating a transaction hold status in an account information database from an inactive status to an active status in response to the received request, and receiving, from a requesting party, a subsequent request to remove the transaction hold. The method further includes receiving, from an employee of the financial institution, an input to update the transaction hold status from the active status to the inactive status, determining, by a computer system, an identity of the employee, confirming, by the computer system, an authority of the employee to remove the transaction hold by comparing the employee identity to an authorized employee list stored in a bank entitlements database, and removing the transaction hold based on the confirmed authority of the employee.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
40.
Systems and methods for electronic database communications
A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/018 - Certification d’entreprises ou de produits
G06Q 30/0283 - Estimation ou détermination de prix
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
Systems and methods for migrating and integrating data from one or more external locations to an internal location are disclosed. The system comprises multiple temporary locations to sort, transform, or store the data in the migration process. During the process, the data could be assigned various attributes, which are determined based on metadata associated with the original data. The system will track these attributes as the data moves through the various temporary locations.
At least one processor configured to perform operations including receiving data from a plurality of disparate data sources; distilling and converting the data into a plurality of indexes to be usable by a single data structure; retrieving first and second sets of data elements from the plurality of indexes associated with first and second pluralities of entities, respectively; generating a predicted duration of time that the first plurality of entities will remain in a first position using the second set of data elements associated with the second plurality of entities; assigning first and second velocity indexes to each of the first and second pluralities of entities, respectively, to obtain pluralities of first and second velocity indexes; comparing each of the first velocity indexes to other first velocity indexes; comparing each of the second velocity indexes to other second velocity indexes; and generating, a velocity model.
G06F 16/22 - IndexationStructures de données à cet effetStructures de stockage
G06F 3/0484 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] pour la commande de fonctions ou d’opérations spécifiques, p. ex. sélection ou transformation d’un objet, d’une image ou d’un élément de texte affiché, détermination d’une valeur de paramètre ou sélection d’une plage de valeurs
G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données
A computer-implemented method for organizational decomposition of organizational units for storage in a database. The method may comprise the following operations performed by at least one processor; The operations may include providing, by the processor, an architectural framework for one or more objects of a data domain, each of the one or more objects being classified into one or more organizational units of the database; classifying, by the processor, the one or more organizational units based on architectural analytics related to the architectural framework, the organizational units including one or more characteristics related to the data domains; and arranging, by the processor, the objects according to administrative and security requirements for the organizational units for decomposition and storage of the organizational units into the database.
Technologies for predictive management of customer account balance attrition include a compute device. The compute device includes circuitry configured to obtain data indicative of one or more attributes of a customer of a financial institution. The circuitry may also be configured to generate, from the obtained data, a feature set for use by an ensemble of machine-learning models trained to predict customer behavior, provide the feature set to the ensemble of machine-learning models to produce a prediction of whether the customer of the financial institution will be lost to (e.g., at least a portion of the customer's money will be transferred to) a competitor financial institution, obtain the prediction from the ensemble of machine-learning models, and perform, in response to a determination that the that the customer is predicted to be lost, a remedial action to reduce a likelihood of losing the customer.
Technologies for efficient detection of money laundering include a compute device. The compute device includes circuitry configured to obtain financial account data pertaining to multiple individuals. The circuitry is also configured to define a coordinate space in which to map the individuals associated with the obtained data, including performing a dimensionality reduction on the obtained data, map each individual according to the coordinate space, define one or more centroids in the coordinate space as a function of features of individuals previously flagged as having a defined characteristic, and flag each mapped individual that satisfies a distance threshold from a corresponding centroid in the coordinate space or that is within a defined number of closest individuals to the corresponding centroid as having the defined characteristic.
Technologies for managing data duplication in a multithreaded environment include a compute device. The compute device includes circuitry configured to receive a request to write, to a primary table of a database, a data set pertaining to a property of an entity. The circuitry is also configured to construct, based on the data set, an index to determine whether a record pertaining to the property of the entity is present in the database, determine, using the constructed index, whether an existing record pertaining to the property of the entity is present in a secondary table designated to contain temporary records associated with write requests from a predefined period, and perform, in response to a determination that an existing record pertaining to the property of the entity is present in the secondary table, a corrective action to remediate concurrent writes to the database pertaining to the property of the entity.
G06F 16/215 - Amélioration de la qualité des donnéesNettoyage des données, p. ex. déduplication, suppression des entrées non valides ou correction des erreurs typographiques
47.
Technologies for Prediction of Recurring Transactions
Technologies for predicting recurring transactions include a compute device. The compute device includes circuitry configured to obtain data indicative of financial transactions associated with one or more customer accounts with a financial institution. The circuitry may also be configured to perform at least one data transformation operation on descriptions of the financial transactions in the obtained data to enable identification of recurring transactions, including grouping the financial transactions based on a similarity of the descriptions. Additionally, the circuitry may be configured to combine determinations from multiple analysis algorithms executed on a group of the financial transactions to obtain a confidence score indicative of whether the group of transactions represents a recurring transaction, and present, in response to a determination that the confidence score indicates that the group of financial transactions represents a recurring transaction, a predicted amount and date for a recurrence of the recurring transaction.
A system for grouping architectural information within a plurality of layers for common formatting in a database. The system may include at least one processor; and at least one memory configured to execute the instructions to perform operations. The operations may include group according to the meta-model, architectural datasets together to structure database architectural information into a common format; establish an architectural domain for grouping the database architectural information in a plurality of layers; organize the meta-model to establish possession of information in the plurality of layers; and provide architectural data corresponding to each data domain for each of the plurality of layers from one or more data sources.
A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/018 - Certification d’entreprises ou de produits
G06Q 30/0283 - Estimation ou détermination de prix
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
50.
Systems and methods for electronic database communications
A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/018 - Certification d’entreprises ou de produits
G06Q 30/0283 - Estimation ou détermination de prix
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
51.
Systems and methods for managing a financial account in a low-cash mode
A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p. ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/018 - Certification d’entreprises ou de produits
G06Q 30/0283 - Estimation ou détermination de prix
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
52.
SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS
An apparatus and a method are disclosed for analyzing attributes of electronic transactions. The method includes generating a combined standardized transaction data structure based on analysis of transaction data; creating or updating one or more composite risk signals based on analysis of event data; obtaining one or more additional risk signals using machine learning based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, the event data, or third party data received from a third party data provider; and generating at least one of a detection event, a transaction alert, a case management message or a regulatory filing message based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, or the one or more additional risk signals obtained by machine learning, or the third party data.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
The present disclosure is directed to a system for data consolidation. The system may include processors, servers, and/or storage devices. Processors in the system may be configurable to perform operations like importing data from, transforming the imported data into a plurality of tables, identifying tables comprising outlier attributes, and modifying the identified tables by normalizing or deleting corresponding attributes, Operations of the disclosed systems may also include performing a conformity check on the integration tables, generating two or more data structures arranging tables based on downstream modeling requirements, storing the two or more data structures in the single storage location, and provisioning the one or more data structures for downstream modeling.
In one implementation, systems and methods are provided for collecting and sharing digital experience information. A computer-implemented system for collecting and distributing digital experience information may comprise a digital experience application that may be configured to host a plurality of micro-applications, a first micro-application being able to be configured to detect application events and application states; a connector that may be configured to receive information corresponding to the detected application events and application states and belonging to a category; an event backbone that may be configured to route the information received by the connector based on the category; a database that may be configured to store the received information; wherein the event backbone may be further configured to send information to the connector from the event backbone and the database based on one or more criteria; and wherein a second micro-application may be configured to receive information belonging to the category from the connector.
G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuéesArchitectures de systèmes de bases de données distribuées à cet effet
G06F 16/28 - Bases de données caractérisées par leurs modèles, p. ex. des modèles relationnels ou objet
55.
SYSTEMS AND METHODS FOR CONTINUOUS EVENT MONITORING, IDENTIFICATION OF RISK SIGNALS, AND ACCELERATION OF FRAUD RISK ANALYSIS
An apparatus and a method are disclosed for analyzing attributes of electronic transactions. The method includes generating a combined standardized transaction data structure based on analysis of transaction data; creating or updating one or more composite risk signals based on analysis of event data; obtaining one or more additional risk signals using machine learning based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, the event data, or third party data received from a third party data provider; and generating at least one of a detection event, a transaction alert, a case management message or a regulatory filing message based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, or the one or more additional risk signals obtained by machine learning, or the third party data.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
An apparatus and a method are disclosed for analyzing attributes of electronic transactions. The method includes generating a combined standardized transaction data structure based on analysis of transaction data; creating or updating one or more composite risk signals based on analysis of event data; obtaining one or more additional risk signals using machine learning based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, the event data, or third party data received from a third party data provider; and generating at least one of a detection event, a transaction alert, a case management message or a regulatory filing message based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, or the one or more additional risk signals obtained by machine learning, or the third party data.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
An apparatus and a method are disclosed for analyzing attributes of electronic transactions. The method includes generating a combined standardized transaction data structure based on analysis of transaction data; creating or updating one or more composite risk signals based on analysis of event data; obtaining one or more additional risk signals using machine learning based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, the event data, or third party data received from a third party data provider; and generating at least one of a detection event, a transaction alert, a case management message or a regulatory filing message based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, or the one or more additional risk signals obtained by machine learning, or the third party data.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
An apparatus and a method are disclosed for analyzing attributes of electronic transactions. The method includes generating a combined standardized transaction data structure based on analysis of transaction data; creating or updating one or more composite risk signals based on analysis of event data; obtaining one or more additional risk signals using machine learning based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, the event data, or third party data received from a third party data provider; and generating at least one of a detection event, a transaction alert, a case management message or a regulatory filing message based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, or the one or more additional risk signals obtained by machine learning, or the third party data.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
A computer-implemented method for performing a Know Your Client (KYC) process. The method includes receiving, at a processor, a request for initiating the KYC process. The method further includes sending a web link to for collecting KYC information, authenticating an identity via the web link, providing a KYC form via a web interface, and receiving the KYC information via the web interface.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
A system and method for validating target account data based on inputs from a user. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; receiving a first input; receiving a second input; enabling selection of an activatable element; conducting a lookup associated with the received inputs; receiving a result of the lookup; transforming the result of the lookup into a transformed result that predicts the probability of verification; and displaying transformed result to demonstrate the validity of the received inputs.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06F 9/451 - Dispositions d’exécution pour interfaces utilisateur
61.
SYSTEMS AND METHODS FOR AUTOMATED RISK ASSESSMENT ANALYSIS
A computer-implemented method for performing a Know Your Client (KYC) process. The method includes receiving, at a processor, a request for initiating the KYC process. The method further includes sending a web link to for collecting KYC information, authenticating an identity via the web link, providing a KYC form via a web interface, and receiving the KYC information via the web interface.
41 - Éducation, divertissements, activités sportives et culturelles
Produits et services
Educational services, namely, conducting webcasts, webinars, conferences, discussions, and events in the field of wealth building, financial decision making, estate planning, asset management, business succession planning, and other financial topics
65.
Display screen or portion thereof with graphical user interface
Systems and methods for migrating and integrating data from one or more external locations to an internal location are disclosed. The system comprises multiple temporary locations to sort, transform, or store the data in the migration process. During the process, the data could be assigned various attributes, which are determined based on metadata associated with the original data. The system will track these attributes as the data moves through the various temporary locations.
Various embodiments are directed to at least one computer programmed to provide a user interface to a user via first and second computer devices. Through the user interface provided via the first computer device, the computer may receive first data from the user indicating the user's expected retirement spend in at least one of a plurality of spending categories at a first level of detail and store the data at a data location associated with the user. Through user interface provided via the second computer device, the computer may receive identifier data indicating the user and retrieve the first data from the data location associated with the utilizing the identifier data. The first data may be supplemented by second data indicating the user's expected retirement spend in at least one of the plurality of spending categories at a second level of detail. The computer may also be programmed to determine a target asset level necessary for the user to fund a retirement considering expected retirement spend for each of the plurality of spending categories, wherein the expected retirement spend for each of the plurality of categories is determined at least in part considering the first data and the second data; and display the target asset level to the user via the user interface.
Computer-implemented systems and methods for applying rules via artificial intelligence for document processing are disclosed. The computer-implemented system comprises a database, a memory storing instructions, and at least one processor configured to receive a plurality of documents from a customer, validate a number and type of the plurality of documents, identify a file type and format of the plurality of documents based on the selection of a plurality of machine learning models, extract and classify a first data set from the plurality of documents based on the selection of the plurality of machine learning models using the identification of the file type and the format, reconstruct the first data set into a structured data set, transform the structured data set into a customized new presentation, receive a change from a user, optimize the selection of the plurality of machine learning models, and display the modified customized new presentation.
Systems, methods, and computer-readable media for identifying unauthorized actions in a computing system are disclosed. Systems and methods may involve generating, by a machine learning model, a indicator that is expressed as a severity associated with unauthorized activity for a processed action. Disclosed embodiments may involve storing the indicator in a database. Disclosed embodiments may involve the system being responsive to a determination that the indicator exceeds a predetermined threshold, disclosed embodiments may involve generating an alert indicating a probability of an unauthorized action. Disclosed embodiments may involve queuing, an ordered list of generated alerts. Disclosed embodiments may involve retrieving the processed action from the database. Disclosed embodiments may involve generating a indicator from the machine learning model, the second indicator that may cause blocking of the processed action, flag the processed action, or allowing the processed action.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
Systems and methods for migrating and integrating data from one or more external locations to an internal location are disclosed. The system comprises multiple temporary locations to sort, transform, or store the data in the migration process. During the process, the data could be assigned various attributes, which are determined based on metadata associated with the original data. The system will track these attributes as the data moves through the various temporary locations.
Systems and methods for migrating and integrating data from one or more external locations to an internal location are disclosed. The system comprises multiple temporary locations to sort, transform, or store the data in the migration process. During the process, the data could be assigned various attributes, which are determined based on metadata associated with the original data. The system will track these attributes as the data moves through the various temporary locations.
Computer-implemented systems and methods for applying rules via artificial intelligence for document processing are disclosed. The computer-implemented system comprises a database, a memory storing instructions, and at least one processor configured to receive a plurality of documents from a customer, validate a number and type of the plurality of documents, identify a file type and format of the plurality of documents based on the selection of a plurality of machine learning models, extract and classify a first data set from the plurality of documents based on the selection of the plurality of machine learning models using the identification of the file type and the format, reconstruct the first data set into a structured data set, transform the structured data set into a customized new presentation, receive a change from a user, optimize the selection of the plurality of machine learning models, and display the modified customized new presentation.
A system and method for validating target account data based on inputs from a user. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; receiving a first input; receiving a second input; enabling selection of an activatable element; conducting a lookup associated with the received inputs; receiving a result of the lookup; transforming the result of the lookup into a transformed result that predicts the probability of verification; and displaying transformed result to demonstrate the validity of the received inputs.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
76.
SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA
A system and method for validating target account data based on inputs from a user. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; receiving a first input; receiving a second input; enabling selection of an activatable element; conducting a lookup associated with the received inputs; receiving a result of the lookup; transforming the result of the lookup into a transformed result that predicts the probability of verification; and displaying transformed result to demonstrate the validity of the received inputs.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
77.
SYSTEMS AND METHODS FOR TRAINING AND APPLYING MACHINE LEARNING SYSTEMS IN FRAUD DETECTION
Systems, methods, and computer-readable media for identifying unauthorized actions in a computing system are disclosed. Systems and methods may involve generating, by a machine learning model, a indicator that is expressed as a severity associated with unauthorized activity for a processed action. Disclosed embodiments may involve storing the indicator in a database. Disclosed embodiments may involve the system being responsive to a determination that the indicator exceeds a predetermined threshold, disclosed embodiments may involve generating an alert indicating a probability of an unauthorized action. Disclosed embodiments may involve queuing, an ordered list of generated alerts. Disclosed embodiments may involve retrieving the processed action from the database. Disclosed embodiments may involve generating a indicator from the machine learning model, the second indicator that may cause blocking of the processed action, flag the processed action, or allowing the processed action.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
78.
PREDICTING EXTERNAL BALANCE TRANSFER SYSTEM AND METHOD
A system and method for determining a likelihood of response to a Balance Transfer (“BT”) offer includes developing a pattern recognition model based on BT response information contained in tradeline level data that has external tradeline information of a plurality of customers of a host financial institution, applying the pattern recognition model to the external tradeline information of the customers to determine a probability of whether the external tradeline information indicates that an BT offer was accepted by a customer, developing an overall customer account level model based on desired historical account behavior, applying the account level model to historical account behavior information of the customers to determine a likelihood of whether each customer will accept a BT offer from an external financial institution, and ranking the customers based on the determined probability and the likelihood that each customer would accept a BT offer from an external financial institution.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
79.
SYSTEMS AND METHODS FOR END-TO-END CONSUMER LENDING AND FINANCING SOLUTIONS FOR VEHICLE FINANCING
Embodiments of the systems and methods of using the same are configured to provide a financial solution product for customers seeking financing and advice for debt consolidation, home improvement, financing for school loans, finding the right credit card, and financing collateral. The systems and methods provide a means to dynamically calculate multiple financial solution products and present them to a user.
Embodiments of the systems and methods of using the same are configured to provide a financial solution product for customers seeking financing and advice for debt consolidation, home improvement, financing for school loans, finding the right credit card, and financing collateral. The systems and methods provide a means to dynamically calculate multiple financial solution products and present them to a user.
Systems, methods, and computer-readable media for identifying unauthorized actions in a computing system are disclosed. Systems and methods may involve generating, by a machine learning model, a indicator that is expressed as a severity associated with unauthorized activity for a processed action. Disclosed embodiments may involve storing the indicator in a database. Disclosed embodiments may involve the system being responsive to a determination that the indicator exceeds a predetermined threshold, disclosed embodiments may involve generating an alert indicating a probability of an unauthorized action. Disclosed embodiments may involve queuing, an ordered list of generated alerts. Disclosed embodiments may involve retrieving the processed action from the database. Disclosed embodiments may involve generating a indicator from the machine learning model, the second indicator that may cause blocking of the processed action, flag the processed action, or allowing the processed action.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
Systems and methods for migrating and integrating data from one or more external locations to an internal location are disclosed. The system comprises multiple temporary locations to sort, transform, or store the data in the migration process. During the process, the data could be assigned various attributes, which are determined based on metadata associated with the original data. The system will track these attributes as the data moves through the various temporary locations.
Systems and methods for migrating and integrating data from one or more external locations to an internal location are disclosed. The system comprises multiple temporary locations to sort, transform, or store the data in the migration process. During the process, the data could be assigned various attributes, which are determined based on metadata associated with the original data. The system will track these attributes as the data moves through the various temporary locations.
Systems and methods for migrating and integrating data from one or more external locations to an internal location are disclosed. The system comprises multiple temporary locations to sort, transform, or store the data in the migration process. During the process, the data could be assigned various attributes, which are determined based on metadata associated with the original data. The system will track these attributes as the data moves through the various temporary locations.
Systems, methods, and computer-readable media for identifying unauthorized actions in a computing system are disclosed. Systems and methods may involve generating, by a machine learning model, a indicator that is expressed as a severity associated with unauthorized activity for a processed action. Disclosed embodiments may involve storing the indicator in a database. Disclosed embodiments may involve the system being responsive to a determination that the indicator exceeds a predetermined threshold, disclosed embodiments may involve generating an alert indicating a probability of an unauthorized action. Disclosed embodiments may involve queuing, an ordered list of generated alerts. Disclosed embodiments may involve retrieving the processed action from the database. Disclosed embodiments may involve generating a indicator from the machine learning model, the second indicator that may cause blocking of the processed action, flag the processed action, or allowing the processed action.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
86.
SYSTEMS AND METHODS FOR VALIDATING CLIENT ACCOUNT DATA
A system and method for validating target account data based on inputs from a user. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; receiving a first input; receiving a second input; enabling selection of an activatable element; conducting a lookup associated with the received inputs; receiving a result of the lookup; transforming the result of the lookup into a transformed result that predicts the probability of verification; and displaying transformed result to demonstrate the validity of the received inputs.
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/42 - Confirmation, p. ex. contrôle ou autorisation de paiement par le débiteur légal
G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
87.
SYSTEMS AND METHODS FOR AUTOMATED LOAN AUTHORIZATION
Disclosed embodiments relate to systems and methods for automating loans based on a loan determination process. Techniques include receiving input data, determining whether the received input data matches a set of predetermined criteria, responsive to a determination that the received input data matches the predetermined criteria, setting user preferences, providing an interactive website interface, updating the website interface based on interactive fields, automatically determining whether to provide the requested loan, responsive to a determination to provide the requested loan, sending a loan amount to a bank account, and providing a status update to a user device.
Computer-implemented systems and methods for applying rules via artificial intelligence for document processing are disclosed. The computer-implemented system comprises a database, a memory storing instructions, and at least one processor configured to receive a plurality of documents from a customer, validate a number and type of the plurality of documents, identify a file type and format of the plurality of documents based on the selection of a plurality of machine learning models, extract and classify a first data set from the plurality of documents based on the selection of the plurality of machine learning models using the identification of the file type and the format, reconstruct the first data set into a structured data set, transform the structured data set into a customized new presentation, receive a change from a user, optimize the selection of the plurality of machine learning models, and display the modified customized new presentation.
Technologies for providing enhanced management of processing errors include a compute device. The compute device includes circuitry configured to obtain error data indicative of errors resulting from integration of a component configured to add functionality to a data processing system of an institution. The compute device is also configured to perform statistical analysis on the obtained error data to produce error analytics data and produce a visual representation indicative of the error analytics data to enable efficient remediation of the errors.
Disclosed embodiments relate to systems and methods for managing user memberships over a distributed computing network on a server. Techniques include authenticating a membership issuer, generating a cryptographic digital asset associated with a membership, creating a software module, associating the cryptographic digital asset with a first user, receiving a request to transfer the cryptographical user from the first user to a second user, transferring the cryptographic digital asset, and updating an agreement based on the transfer.
At least one processor configured to perform operations including receiving data from a plurality of disparate data sources; distilling and converting the data into a plurality of indexes to be usable by a single data structure; retrieving first and second sets of data elements from the plurality of indexes associated with first and second pluralities of entities, respectively; generating a predicted duration of time that the first plurality of entities will remain in a first position using the second set of data elements associated with the second plurality of entities; assigning first and second velocity indexes to each of the first and second pluralities of entities, respectively, to obtain pluralities of first and second velocity indexes; comparing each of the first velocity indexes to other first velocity indexes; comparing each of the second velocity indexes to other second velocity indexes; and generating, a velocity model.
G06F 16/22 - IndexationStructures de données à cet effetStructures de stockage
G06F 3/0484 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] pour la commande de fonctions ou d’opérations spécifiques, p. ex. sélection ou transformation d’un objet, d’une image ou d’un élément de texte affiché, détermination d’une valeur de paramètre ou sélection d’une plage de valeurs
G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données
A computer-implemented method for obtaining data for reporting and analysis includes integrating data from a plurality of data sources; processing the integrated data using natural language processing; scoring the processed data based on a plurality of score categories; categorizing the processed data into a plurality of categories based on the score and the score category; and outputting the score and the categorized data for reporting and analysis.
A method for verifying entities and provide an electronic transfer between entities comprising: retrieving a first reference number and a first transmit number associated with a first entity repository; generating a first internal profile associated with the first entity; generating a first access token; generating a first external profile associated with the first entity; storing the profiles in a directory; retrieving a second identification of a second access token; identifying a second entity associated with the second external profile using the second identification; identifying a second internal profile from the plurality of internal profiles associated with the second entity; using a second reference number and a second transmit number associated with the second internal profile, identifying a current status and a history of a second entity repository associated with the second internal profile; and initiating the electronic transfer from the first entity repository to the second entity repository.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de transfert électronique de fondsArchitectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives
Technologies for managing smart contracts include a compute device. The compute device includes circuitry configured to obtain a smart contract indicative of a condition and a responsive action to be performed upon satisfaction of the condition. The circuitry is also configured to write the smart contract to a centrally managed immutable database, obtain, from an event stream, data indicative of an event published to the event stream, determine, as a function of the event published to the event stream and the smart contract, whether the condition has been satisfied, and perform, in response to a determination that the condition has been satisfied, the responsive action.
A system for processing a plurality of ETL jobs is provided. The system comprises a token-based security system comprising providing a token in response to receiving a token request associated with an application programming interface (API) call. The system further comprises a message header table including one or more message headers, where in a message header contains the token. The system further comprises a plurality of API calls associated with the ETL jobs, wherein each API call includes security information. The system utilizes the token and the security information to determine permissions for the use of the plurality of API calls to run in real-time.
A computer-implemented method for obtaining data for reporting and analysis includes integrating data from a plurality of data sources; processing the integrated data using natural language processing; scoring the processed data based on a plurality of score categories; categorizing the processed data into a plurality of categories based on the score and the score category; and outputting the score and the categorized data for reporting and analysis.
A system for processing a plurality of ETL jobs is provided. The system comprises a token-based security system comprising providing a token in response to receiving a token request associated with an application programming interface (API) call. The system further comprises a message header table including one or more message headers, where in a message header contains the token. The system further comprises a plurality of API calls associated with the ETL jobs, wherein each API call includes security information. The system utilizes the token and the security information to determine permissions for the use of the plurality of API calls to run in real-time.
A system for managing collecting deductibles of insureds is disclosed. The system comprises an automated computer vision system configured to identify and analyze information provided by a prospective enrollee on a form. The system further comprises a processor configured to establish a primary account associated with an insurance company to maintain a balance equivalent to a sum of fees incurred by insurance coverage plans sponsored by the insurance company, receive the information associated with the prospective enrollee from the automated computer vision system, and establish a sub-account associated with the prospective enrollee underneath the primary account. The processor is further configured to maintain a ledger of the sub-account to reflect fee(s) incurred by the prospective enrollee during a coverage period.
