Abstract: The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. Enrollment information is received from a payor, and a secure portal is provided to authenticate electronic payment instructions from the payor. When instructions for a payment are received via the portal, risk for the payment is assessed. If funding for the payment is positively assessed, the present subject matter composites a front and back image of the check and performs an endorsement of the check. Electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. Select data on the check image pairs is anonymized, and an electronic deposit is performed in the amount of the payment to at least one payee.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a closed loop platform for dynamic currency conversion. In this way, the invention eliminates currency discrepancy during resource exchange and provides a dynamic currency conversion in real-time for interactions, via a closed loop platform. Using closed loop processing, the invention verifies and authorizes resource transfers, bypassing current currency conversion processing.

Abstract: Systems, methods, and computer-readable media for providing accurate images of cards. An application executing on a mobile device may receive authentication credentials for an account, determine a card associated with the account, and determine a card manufacturer identifier (CMID) of the card. The application may receive, from a digital asset management system based on the CMID, a plurality of metadata attributes of the card and one or more images of the card. The application may determine, based on the metadata attributes and attributes of the mobile device, a first orientation of the card to enable near-field communication (NFC) data transfer between the card and the mobile device. The application may select a first image of the card. The application may generate a graphical user interface (GUI) including the first image and an indication specifying to tap the card to the mobile device according to the first orientation.

Abstract: The traditional Markowitz mean-variance-optimization (MVO) framework that uses the standard deviation of the possible portfolio returns as a measure of risk does not accurately measure the risk of multi-asset class portfolios whose return distributions are non-Gaussian and asymmetric. A scenario-based conditional value-at-risk (CVaR) approach for minimizing the downside risk of a multi-asset class portfolio is addressed that uses Monte-Carlo simulations to generate the asset return scenarios. These return scenarios are incorporated into a modified Rockafellar-Uryasev based convex programming formulation to generate an optimized hedge. One example addresses hedging in an equity portfolio with options. Testing shows that a hierarchical CVaR approach generates portfolios with better predicted worst case loss, downside risk, standard deviation, and skew.

Abstract: A device receives information indicating first names and last names of individuals and applies different cursive fonts to each of the first names and the last names to generate images of different cursive first names and different cursive last names. The device applies different transformations to the images of the different cursive first names and the different cursive last names to generate a set of first name images and a set of last name images. The device combines each first name image with each last name image to form a set of signature images and trains a neural network model, with the set of signature images, to generate a trained neural network model. The device receives an image of a signature and processes the image of the signature, with the trained neural network model, to recognize a first name and a last name in the signature.

Abstract: A communication node for delivering secure content in respect of a requested service to a target entity. The communication node has respective interfaces towards: at least one network for communicating with mobile terminals; a service-provider node providing the requested service; and an authorization node for effecting payments. After having completed a set-up phase and in response to a payment, the communication node enables forwarding of secure content, relating to at least one service requested by a user of a first mobile terminal to a target entity associated with the first mobile terminal. The set-up phase involves: identifying the at least one requested service from the first mobile terminal; linking in the service-provider node the at least one requested service to the first mobile terminal; and assigning a reference in the service-provider node to a payment to be made in respect of the at least one requested service.

Abstract: The technology described herein relates to an automated marketplace system for exchanging tradeable instrument(s). In particular, the technology described herein relates to an automated exchange system that simultaneously places order objects in multiple order book memories and updates orders that are stored in the multiple order book memories for consistency.

Abstract: Systems, methods and articles of manufacture for preparing an electronic tax return in which a supporting document is associated with a specific form field of the tax return and attached to the tax return. The system displays a tax data input screen for a user to input tax data for a current form field of the tax return being worked on. The system determines that a supporting document is required for the current form field and displays an attach document command. When a user selects the command, the system displays a file selection function. The system receives a selection of a document file selected using the file selection function and automatically associates the selected document file with the current form field and uses metadata related to the form field to assign a document description to the selected document file.

Abstract: Techniques are described for sender authenticated remittance via an automatic teller machine (ATM). The techniques include transferring money between a sender and a recipient via the ATM without the recipient needing a computing device or a bank account with which to receive the money. The disclosed techniques enable a remittance server to interact with both the sender via a sender computing device and the recipient via the ATM to perform a money transfer in which the recipient is at least partially authenticated by the sender. The ATM is configured to take a picture or a video of the recipient to be sent by the remittance server to the sender computing device for approval by the sender prior to allocating the transferred money to the recipient. In this way, the remittance server essentially passes control of the ATM and the remittance of the transferred money to the sender.

Abstract: Systems and methods for identifying potentially illicit purchases, especially in card-not-present transactions. In one implementation, a merchant transaction system comprises a processor and memory. The system receives a transaction request from a customer for a card-not-present sale transaction. The system transmits over an electronic network a transaction risk request message to a transaction risk evaluator, and receives over the electronic network a reply message from the transaction risk evaluator, indicating a level of risk associated with the sale transaction. The system can decide whether to proceed with the card-not-present sale transaction based at least in part on the content of the reply message.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for transmitting push notification data to a computing device, the push notification data being processable by the computing device to display a push notification, receiving biometric data, the biometric data being provided from user input responsive to the push notification, determining that a user providing the user input is authenticated at least partially based on the biometric data, and inducing execution of a transaction in response to determining that the user is authenticated.

Abstract: A system may include one or more sensors that acquire location information associated with the one or more sensors. The system may also include a processor that receives a first set of data comprising environmental information associated with a location, receives the location information from the one or more sensors, and determines whether a risk of damage to property associated with at least one of the one or more sensors is greater then a threshold based on the location information and the environmental information. When the risk is greater than the threshold, the processor may send a notification including the risk of damage to the property to a computing device that may provide an audio or visual indication of the notification.

Abstract: The invention discloses a method for operating an e-purse, relating to the information security field. The method includes that a CPU card enters into a contactless induction area of a terminal, is powered up and initialized, receives an operation initializing instruction from the terminal, reads and stores data comprising transaction amount in the operation initializing instruction, and performs the related operation. The operation initializing instruction is a complex loading initializing instruction or a purchase initializing instruction. The data comprises transaction amount.

Abstract: An apparatus, method, and non-transitory medium for betting on weather predictions are disclosed herein. A plurality of longitude and latitude coordinate pairs may be received from a remote device. The display device may render data on a graphical user interface representing a binary option based on whether a storm will make landfall within the certain radius. The display device may show a plurality of landfall probabilities on the map. A request to purchase the binary option may be received. It may be determined whether the landfall location corresponds to a zip code associated with the given longitude latitude pair in the memory.

Abstract: Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. The image can be obtained using image capture technology on the user's mobile device. Users can perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.

Abstract: A computer-implemented method generates a computer model of one or more teeth by receiving as input a digital data set of meshes representing the teeth; selecting a curved coordinate system with mappings to and from a 3D space; and generating a function in the curved coordinate system to represent each tooth.

Abstract: Feedback control algorithms for controlling a given simulation model which relates to a computer-program-based method and respective system for providing a feedback control for a given set of control quantities of a simulation model, comprising a plurality of iterated simulation runs each of which consumes a considerable amount of time. Each single run is performed with a setting of starting values for certain entry control quantities suited to control certain target quantities. The respective next setting of entry quantities is based on the value of the target quantities measured in the preceding simulation run. In order to provide for a fast convergence of the target quantities to a final, predetermined value, the following formula is applied: x n + 1 ? = v n 1 + ? n ? ( 1 - v n ) where ?n=(n+1)u?nun u is the final value of the target control quantity aimed at un, its value achieved up to iteration n of the simulation run and ?n is a suitable system parameter.

Abstract: A system and method for vehicle design and manufacture. The method includes designing a vehicle, building a pilot vehicle of the designed vehicle, installing a telematics units in the pilot vehicle, configuring the telematics unit to monitor systems of the pilot vehicle during vehicle operation, operating the pilot vehicle in a captured test fleet, obtaining data from the telematics unit during the operating in a captured test fleet, altering vehicle design data in response to the obtained data and, building a production vehicle with the design influenced by the altered vehicle design data.

Abstract: A method and arrangement of determining pin enrichments for a fuel bundle of a nuclear reactor, where a plurality of input parameters and target conditions may be input and enrichment changes, to be made across the fuel bundle, may be calculated using response matrix technology. Fuel bundle pin enrichment data may be output that satisfies the target conditions. The method and arrangement may enable production of fuel bundles having a desired local peaking, exposure peaking and R-factor performance. Consequently, given fuel cycles typically may be loaded and operated such that less fuel may be needed for identical cycle lengths, potentially resulting in improved fuel cycle economics. Additionally, because fuel bundle development may require fewer iterations, there may be a substantial cycle time reduction in the bundle design process, potentially reducing cost and enhancing profitability.

Abstract: A method of re-engineering a part includes generating a parametric master model for the part from an editable geometry for the part and generating a manufacturing context model from a design master model. The design master model includes the parametric master model, and the manufacturing context model includes a number of tooling features. The method further includes creating a tooling master model from the manufacturing context model. The tooling master model includes a tooling geometry for the part. A system for re-engineering a part includes a part design master model module configured to generate the parametric master model from the editable geometry and a tooling master model module configured to receive the parametric master model, to generate the manufacturing context model from the parametric master model, and to create the tooling master model from the manufacturing context model.