Abstract: Various systems and methods are provided that graphically allow health insurance company personnel to identify patient diagnoses that are not accounted for by the health insurance company. Furthermore, the various systems and methods graphically allow health insurance company personnel to identify patients that have not submitted claims for documented ailments or conditions. Thus, the health insurance company may be able to improve its chances of receiving transfer payments from other health insurance companies and/or receiving higher star ratings.

Abstract: A method for authorizing a digital wallet transaction initiated by a consumer from a merchant web site or app includes providing an acceptance mark on a merchant landing page associated with the merchant web site or app for initiating the digital wallet transaction, the acceptance mark comprising a link to a host server accessing an acceptance network for authorizing payment, the acceptance network comprising a plurality of digital wallets. A wallet selector switch allows selection of a wallet, the transaction is routed to the selected wallet, a payment card and shipping address are selected and the transaction is redirected back to the merchant with purchase details for authorizing and completing the digital wallet transaction. The wallets can include federated and non-federated cobranded wallets and partner-hosted wallets. Direct provisioning with partner credentials and automatic update of consumer details is provided in a federated cobranded wallet.

Abstract: At least a method for determining risk behavior of a driver is described. While a vehicle is being driven, data is obtained related to the position and movement of a wireless communications device. The data may indicate the type of behavior exhibited by the driver while the vehicle is being driven.

Abstract: According to some embodiments, a system may receive, from a remote insurance submitter, insurance data submitted via an electronic quoting and submission system in connection with behavioral data associated with the submitter. A processor may then automatically analyze the submitted insurance data based at least in part on information stored in a historic underwriting analytics database and the behavioral data associated with the submitter. Potentially inaccurate insurance data submitted by the insurance submitter may then be identified based on the analysis. According to some embodiments, a plurality of potentially inaccurate insurance data values may be used to flag the submitted insurance data, the insurance submitter, one or more input portions of the electronic quoting and submission system, and/or an insurance class of business.

Abstract: Methods, and systems, including computer programs encoded on computer-readable storage mediums, including a method for presenting a video content item in a first display area; concurrently presenting, with the video content item in the first display area, objects that are displayed during the presentation of the video content item in a second display area, wherein the objects persist in the second display area after the object is no longer displayed during the presentation of the video content item in the first display area; receiving an indication identifying one of the objects presented in the first display area or the second display area; and processing a tag associated with the object, the tag comprising a reference to a media item, wherein the processing comprises: accessing the media item referenced by the tag; and presenting the media item at least partially in the first display area or the second display area.

Abstract: The present technology is related to employing a template/macro-based order entry system. An initial order data message contains a macro that establishes the initial parameters for an order and a unique ID is associated with the template. Subsequent, and potentially smaller sized data messages contain the unique ID as well as relevant order details for placing an order. Of course, the technology described herein envisions a much broader concept of reducing message sizes to help improve overall latency and is not limited to order entry.

Abstract: System and method for communicating between an insurer and insured. The system detects operating characteristics of a driver or vehicle, and a cost of insuring the driver or vehicle, as decided by the insurer in consideration of the detected operating characteristics. The system provides an interface system for communicating the operating characteristics and the cost of insuring the driver or vehicle between the insurer and the insured. The system provides a vehicle monitoring system for monitoring the operating characteristics and for providing mentoring feedback to a driver, and a storage system for storing the operating characteristics. The system includes a processing system for deciding the cost of insuring the driver or vehicle based upon the monitored operating characteristics.

Abstract: A marketplace for trading derivative financial contracts includes a forum that publishes a financial contract and allows the financial contract to be traded by one or more market participants. The financial contracts are based on one or more underlying intangible assets of one or more entities. The price of the contract is derived from a measure of value of the one or more underlying assets of the particular financial contract. The forum may include an exchange for trading financial contracts and may also host trading of over-the-counter financial contracts.

Abstract: A method, system and program product for brokering advertising of products and services in a virtual world. The method includes accepting subscriptions from advertisers willing to pay for advertising products and services on a persona associated with a virtual space belonging to a virtual world user, creating a user profile based on specified likes/dislikes and establishing whether a user is willing to display advertising on their persona in the virtual world in exchange for receiving a benefit. Further, the method includes displaying advertisements on the persona, such that, the one or more advertisements displayed on the persona dynamically changes based on a viewing user viewing the persona of the advertising user, the one or more advertisements displayed to the viewing user being based on a viewing user profile, such that, the advertisements displayed on the persona varies simultaneously in real time mode from one viewing user to another.

Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.

Abstract: A system and method are provided for direct manipulation of a triangular distribution of information using a graphical user interface. The system includes a graphical user interface for receiving user inputted values. The system further includes a data calculator for generating estimates based on the user inputted values, and for generating curves for display on a grid based on at least one of, the user inputted values and the estimates. The graphical user interface respectively receives the user inputted values based at least on a current position of a pointer on the grid. The graphical user interface is capable of applying a direct manipulation, based at least on the current position of the pointer on the grid, to at least one of the user inputted values and the estimates, such that a result of the direct manipulation is displayed on the grid.

Abstract: An electronic trading system is configured to create speculative orders based on real orders. The speculative order differs from the real order by the price, quantity, or the type of financial instrument. The match engine chooses one or more speculative orders in an attempt to predict the next real order. Even though processing multiple trades at the same time is impossible, the use of speculative orders can permit the match engine to perform the calculations involved with the trade and generate the messages associated with the trade ahead of time. If the prediction was correct and the next order received by the match engine corresponds to one of the speculative orders, some of the matching activity has already been performed. This in effect, allows the match engine to process trades more efficiently and increases the total trading volume that can be handled by the electronic trading system.

Abstract: The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a processing unit (3), in which payment transaction at least one of the transaction parties uses a land line telephone or mobile telephone (1, 2) or a mobile communications device for transmitting data. The method is characterized by the transmission of data to the processing unit by at least two transaction parties within a limited time frame, and by the fact that the initiation of the data transmission of these transaction parties is effected actively by the transaction parties and not by the processing unit (3), while the data transmitted during initiation contain features that enable correlating the declarations of intent with one another.

Abstract: Relating resources expended by a securities research entity to revenue received by a financial services firm including the securities research entity. A computer system may receive account revenue data indicative of revenue received by the financial services firm from a first customer investment account for at least securities trade execution by the financial services firm for the first customer investment account. The computer system may also receive expense data indicative of expenses incurred by the securities research entity on behalf of the first customer investment account. The computer system may determine a market condition-adjusted elasticity for the first customer investment account.

Abstract: Systems and methods are disclosed herein to allow a party to a multiple-party transaction to perform authentications using identification information received from another party while allowing the party generating the identification information to maintain confidentiality of information. A user may enter an access code to identify the user to a first party that will be generating identification information to a second party in the transaction. The access code may be entered without requiring the entry of an alphanumeric PIN (Personal Identification Number). The first party may convert the access code to a second code for transmission to the second party so that the access code is not revealed to the second party. The second party may use the second code to authenticate the user, to authenticate a payment transaction or other types of communications from the user or the first party. Thus, parties in a multiple-party transaction may perform authentications while maintaining the confidentiality of information.

Abstract: The invention includes a system and process that employs contractual bargaining with agent-based computational methods for the dynamic allocation, optimization, and pricing of contingent rights and obligations between multiple counterparties with overlapping interests. The processes employ a dynamic and endogenous hierarchy or tiering of binding incentive compatible contingent strategies, which may include optimal liquidation policies for matched assets and liabilities based upon stochastic volume/price schedule related to statistically non-stationary supply/demand elasticities and order-flow, as well as variations in market microstructure. The invention includes a dynamic open system with distributed stochastic control of strategic interactions among dynamic optimizing agents across random states, wherein the actions of any one affects the joint costs and benefits for all the agents.

Abstract: Systems and methods are provided for operation upon data processing devices are provided for operating with a fraud detection system. As an example, a system and method can be configured for receiving, throughout a current day in real-time or near real-time, financial transaction data representative of financial transactions initiated by different entities. At multiple times throughout the day, a summarization of the financial transaction data (which has been received within a time period within the current day) is generated. The generated summarization is used to determine whether fraud has occurred with respect to a financial transaction contained in the received authorization data or with respect to a subsequently occurring financial transaction.

Abstract: Methods, and systems, including computer programs encoded on computer-readable storage mediums, including a method for presenting a video content item in a first display area; concurrently presenting, with the video content item in the first display area, objects that are displayed during the presentation of the video content item in a second display area, wherein the objects persist in the second display area after the object is no longer displayed during the presentation of the video content item in the first display area; receiving an indication identifying one of the objects presented in the first display area or the second display area; and processing a tag associated with the object, the tag comprising a reference to a media item, wherein the processing comprises: accessing the media item referenced by the tag; and presenting the media item at least partially in the first display area or the second display area.

Abstract: The handling of accounts and account transactions are implemented using a variety of different systems and methods. According to one embodiment a computer-facilitated system is implemented for handling accounts held by a user at a financial institution and an educational institution. A first database stores account balance information associated with a first account held at one of the institutions. A second database stores account balance information associated with a second account held at the other institution. Logic, located at one institution, encrypts an identifier of the first account, associates a resulting encrypted identifier with the second account and decrypts the encrypted identifier. A database interface transmits the encrypted identifier to the second database for storage. A user interface provides the user with the account balance information associated with the accounts in response to the logic decrypting the encrypted identifier.

Abstract: Construction of factor risk models that better predict the future volatility of returns of a portfolio of securities such as stocks, bonds, or the like is addressed. More specifically, improved factor-factor covariance estimation is made even when the covariances change rapidly over time. Methods and techniques for achieving better accuracy, responsiveness, and stability of factor risk models are addressed.