Abstract: A system and method for automatically detecting if a home alarm system is being used and/or actively monitored are disclosed. The system and method use data gathered from one or more sensors, including audio information from microphones. The audio information is analyzed using a machine learning system to determine if the alarm system is being regularly used and monitored. The system and method can also automatically update a policy holder's insurance policy to reflect whether or not an alarm system is being used.

Abstract: A server can include an application programming interface that can determine a data system, among a first financial account data system and a second financial account data system, with which to execute a requested function received via a common user interface. The requested function can be caused to be executed using the data system and the first process or the second process. The operations also include providing a result from execution of the requested function to be outputted for display via the common user interface. The common user interface can provide integrated labeling for receiving data to allow requested functions to be executed using different processes associated with the first financial account data system and the second financial account data system using the integrated labeling.

Abstract: A method by smart mobility platform includes a mobile application executing on a mobile device, an authentication server, a mobile application server, and a driving telemetry service. The mobile application registers and activates a user account for driving monitoring and rewards. Trip detection is enabled and raw data is transformed to driving factors by the driving telemetry service. The mobile application server converts the driving factors to a safe driving score. The score may be combined with a customer value to determine reward payout. The platform authenticates users and validates requests using electronic mail and short messaging services to ensure privacy and security.

Abstract: Training a machine learning model includes selecting a subset of training transactions from a plurality of training transactions to be used for classifying transactions as either fraudulent or genuine, and classifying transactions as either fraudulent or genuine. Additionally, selecting the subset of training transactions includes clustering the plurality of training transactions into a plurality of clusters based on a similarity measure. Each training transaction includes an indication whether the training transaction is fraudulent or genuine. Further, selecting the subset of training transactions includes selecting a first proportion of the training transactions of a cluster of training transactions for the subset of training transactions if the cluster comprises at least one fraudulent training transaction, and selecting a second proportion of the training transactions of a cluster of training transactions for the subset of training transactions if the cluster is free of fraudulent training transactions.

Abstract: Systems and methods for authorizing a source for virtual certification number (VCN) use include receiving a VCN use request from an external entity, the VCN use request including the VCN and transaction data associated with the VCN use request, determining that a VCN binding for the VCN is a strict binding, mapping the transaction data to a transaction source having a transaction source identifier based on the VCN binding being the strict binding, determining a VCN source identifier for the source associated with the VCN, based on a registration authentication of the VCN with the source, comparing the VCN source identifier to the transaction source identifier, determining that the VCN source identifier corresponds to the transaction source identifier based on comparing the VCN source identifier to the transaction source identifier, outputting an approved authorization indicating that the VCN is associated with the source and the source is the transaction source.

Abstract: The present disclosure generally relates to systems and methods for generating data representative of an individual's insurance risk based on actual driving behaviors and driving environment. The systems and methods may include collecting data from personal electronic device sensors, vehicle sensors, driver inputs, environment sensors and interactions of the vehicle, the driver and the environment. The systems and methods may further include analyzing the data to generate data representative of an individual insurance risk. The systems and methods may further include presenting the data representative of the individual insurance risk to an individual.

Abstract: Embodiments may be generally directed to methods, techniques and devices to utilize a contactless card to perform a series of operations.

Abstract: An asset management system is disclosed where a plurality of financial databases may connect with and be in communication with an asset management tool. The asset management tool is able to create an individual spending plan (scheduled distributions) and matching fixed income investment portfolio for a user based on inputted parameters with automatic distributions from the portfolio consistent with the individual spending plan occurring with a high degree of certainty. The asset management tool may communicate with the plurality of financial databases to put the individual spending plan and matching portfolio into action and is able to calculate and communicate an optimized surplus investment as a means of self-insuring so that the predefined schedule of distributions is met with the effective certainty one would expect from an insured/guaranteed income product.

Abstract: Techniques are disclosed in which a computer system generates a transaction network graph from an initial set of transactions including known labels and attributes. The computer system may generate first and second matrices using first and second graph embedding routines from a training set of transactions that includes a first subset of transactions in the network graph. The first routine is based on anomalies in related transactions occurring at nodes in the transaction network graph that are multiple hops away while the second routine is based on anomalies in neighborhoods of similar transactions. In some embodiments, the computer system generates a final embedded matrix from the first and second matrices and uses the final matrix and a testing set of transactions that includes a second subset of transactions in the graph to train a machine learning model, where the trained model usable to determine whether unlabeled transactions are anomalous.

Abstract: The systems and methods described herein allow users to control access to regulated data of the user (stored in a secured third party database) through interaction on a mobile device (or other computing device), such as to provide a touch gesture on the mobile device that causes the users regulated data to be accessible to a third party. The regulated data may include credit data of the user, such as a credit report or credit file. Access rights to the regulated data may be provided in real-time (or near real-time) in response to a request for the data from a third party, for example. The system may allow a user to respond to an alert or notification that is automatically sent to the computing device of the user in response to a request for a secure regulated data of the user.

Abstract: A provider institution computing system comprises a network interface circuit and a processing circuit. The processing circuit includes a processor coupled to a non-transitory memory storing instructions that, when executed by the processing circuit, cause the processing circuit to perform operations. The operations include receiving a request from a first messaging application of a sender device to send a gift to a recipient device via a second messaging application of the recipient device. The operations further include verifying that a first account associated with the sender includes a first value of points and converting the first value of points to a first gift value and a second gift value that is different than the first gift value. The operations further include providing a first gift option to the first messaging application, which includes a first gift with the first gift value and a second gift with the second gift value.

Abstract: In a method for broadcasting account provisioning information, user datum encryption information is transmitted to a plurality of account processing systems. A request to share account provisioning information is received from a user device associated with an account holder. A user datum of the account holder is encrypted using the encryption information and transmitted to the account processing systems. A response is received from at least one of the account processing systems, the response including an indication that the account holder has a transaction account processed by that account processing system. A request for confirmation that the account provisioning information should be shared is sent to the user device and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to one or more of the account processing systems.

Abstract: A platform and process for electronic payment processing using electronic communications from different communication channels or bands. The system and process can generate alerts using fraud detection and verify payment requests using historical data and pattern recognition. The system and process can categorize images and extract payment data.

Abstract: Systems and methods for implementing a confirmation period are disclosed. An example method includes identifying a market condition associated with a quantity of a tradeable object of a trading strategy, wherein the market condition triggers an adjustment to the trading strategy; initiating a confirmation period in response to the market condition; when a reevaluation of the market condition during the confirmation period indicates that the market condition has ceased, preventing the adjustment to the trading strategy; and when the market condition persists throughout the confirmation period, proceeding with the adjustment to the trading strategy.

Abstract: Methods and systems are presented for facilitating sharing of tokens among different funding accounts linked to a digital wallet application to improve the computer resource efficiency of the mobile device. When a first funding account is linked to the digital wallet application is received, a token management system may determine whether a set of tokens have already been issued and stored on the mobile device for another related funding account. The token management system may cause a token service provider server to abort generating additional tokens for the first funding account. Instead, the token management system may modify characteristics of one or more of the set of tokens existed on the mobile device, to enable the one or more existing tokens to be usable in electronic payment transactions in association with the first funding account or the second funding account.

Abstract: Techniques are described for determining and tracking fractional ownership interests in an asset, using a distributed ledger. Shares in an asset, such as a house, may be offered for sale through a marketplace. Sales of the shares, and information regarding the asset, may be tracked using a distributed ledger system, such as one or more blockchains that provide immutable and secure data storage distributed across a plurality of nodes. Embodiments provide individuals with liquidity options and/or pricing options for selling shares in their home, allowing individuals to securitize interest in their own equity in the home and pre-sell shares in some of that equity without selling the entire property and without taking out a loan.

Abstract: Techniques and apparatus for providing peer-based management of user accounts are described. In one embodiment, for example, an apparatus may include at least one memory and logic coupled to the at least one memory. The logic may be configured to determine a total entity risk value representing a risk position of an entity comprising at least one segment, generate a plurality of risk tokens, each of the plurality of risk tokens having a token value that is a portion of the total risk value, determine a total segment risk value for the at least one segment, the total segment risk value representing a portion of the total entity risk value allocated to the at least one segment, and distribute the plurality of risk tokens to the at least one segment of the entity to correspond with the total segment risk value. Other embodiments are described.

Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.

Abstract: Methods, systems, devices, and computer-readable media for a payment delegation and linking system are provided. The system may generate a delegation request to send to an individual for payment of a portion of a value of a transaction. The delegation request may be sent to the individual with a payment URL embedded with a token. Upon initiation of payment in response to the delegation request, the token may be embedded in an unused field of a payment transaction record generated at the individual's device and may be transmitted from the individual's device to a payment processing system for processing and settlement. The payment transaction record may ultimately be received at the requestor's bank with the token intact. The token may be used to link the received payment transaction with the original delegated transaction. The original delegated transaction and the received payment transaction may be displayed together in a transaction summary.

Abstract: A system and method for transmitting real-time messages within a supply chain financing (SCF) network using a using a customized and improved messaging protocol is provided. A computing device receives a SCF request message having an SCF messaging protocol including a plurality of data fields including SCF request data related to a request for supply chain financing including an early payment identifier, parses the SCF request message based upon the SCF messaging protocol, selects a financing entity for receiving the request, stores within the memory device the SCF request data, transmits an early payment message having the same messaging protocol to the selected financing entity, receives a confirmation message having the same SCF messaging protocol from the financing entity including a plurality of data fields including SCF confirmation data, and stores within the memory device the SCF confirmation data with the SCF request data.