Abstract: A system and a method for deterring unauthorized access to an account. The method includes the steps of receiving a user login request from one of a plurality of account holder computers, then identifying a username associated with the received user login request, a time associated with the received user login request, and an internet protocol (IP) address associated with the received user login request. The method and system determine a number of prior login requests received from the identified IP address during a duration of time TR prior to the identified time. Each of the received login requests has a unique username that is different than the identified username. The method includes the step of disabling access to the account associated with the identified username when the determined number of received login requests is above a request threshold B.

Abstract: Systems, methods, and computer-readable storage media for performing a peer-to-peer (P2P) transfer by a third-party, where a method includes receiving transfer information and a first token including sender information of a sender and a second token including receiver information of a receiver, and validating the first token and the second token based on verifying both the sender and the receiver are registered with the real-time payment system. The method includes processing the first token and the second token based on determining a sender endpoint, a receiver endpoint, and a demand deposit account of the sender, and transmitting a request for a guarantee, the request for the guarantee including the sender endpoint and the demand deposit account of the sender. The method includes receiving an issued guarantee, transferring funds based on the transfer information, the first token, and the second token, and transmitting a transfer confirmation.

Abstract: Computer implemented systems and methods are disclosed that allow for the efficient and rapid determination of guarantee funds for clearing member firms. Disclosed systems and methods account for the exposure of self-referencing risk.

Abstract: Methods and systems for improving vehicular safety by notifying vehicle operators of location-based risks are provided. According to embodiments, a processing server may receive an initial location of a vehicle. Based on location data associated with the initial location, the processing server can determine the risk of an incident. The processing server can generate a notification to communicate to the vehicle operator, and the vehicle operator can assess the risk and take action to mitigate the risk, for example by relocating the vehicle. The processing server can receive updated location data for the vehicle and can determine, based on the updated location data, that the risk has been mitigated.

Abstract: System and method for facilitating account access delegation are provided. Login credentials are authenticated for a first account of a first funding source of a first user. A request from the first user to delegate, to a second account of a second user, access to the first funding source is received. A redirected login request from a merchant web application is further received. The redirected login request corresponds to the second account. A determination is made, based on the received request, that the second account is permissioned to use the first funding source. In response to the determination, a login of the first user account is caused on the merchant web application. The logging in of the first user account on the merchant web application causes the first funding source to be applied to an electronic transaction performed on the merchant web application under control of the second user.

Abstract: A computer device and method for processing risk related data to determine one or more insurance products for appliances and other systems located in or on an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more appliances located in or on an insured property. Analysis is performed on the received informatic data to determine one or more insurance products to be recommended for at least one appliance located in or on the insured property. Notification is provided regarding determination of the one or more insurance products for the at least one appliance located in or on the insured property.

Abstract: A user terminal for communicating with a computer server is operated on behalf of a first user (a second user terminal is operated on behalf of a second user). The user terminal transmits to the computer server pre-trade information including an order and receives first offset information that indicates a first price offset value, which is different from a second price offset value sent to the second user terminal. The terminals receive a single message from the server that indicates a market price but does not include the first price offset value or the second price offset value. The user terminal modifies the market price using the first price offset value to obtain a first actual price different from a second actual price corresponding to a modification of the market price based on the second price offset value.

Abstract: Systems and methods for a mixed deployment architecture are provided. A data center system may include a core compute grid system and a plurality of distributed compute grid systems. The core compute grid system may provide one or more non-distributable services for a payment service provider, such as a database service, and may include one or more isolated environment zones. Each distributed compute grid system provides one or more distributable services for the payment service provider, and each distributed compute grid system provides an identical set of distributable services. The data center system also includes a network coupling the core compute grid system and plurality of distributed compute grid systems. The plurality of distributed compute grid systems transmit queued writes generated by the distributable services to the database service provided by the core compute grid system.

Abstract: When a loan payment failure occurs, a loan server can retry a payment from a client's financial institution sources rather than immediately charging the client for the payment failure. The payment retry is scheduled on a Friday that is at least three days after the payment failure. If a payment failure from the financial institution sources to the loan server occurs between a Friday and the following Monday the payment retry by the loan server to the financial institution sources will occur on the first following Friday and if the payment failure occurs on Tuesday, Wednesday or Thursday, the payment retry will occur on the second following Friday which is the Friday of the following week from the failure date.

Abstract: This disclosure describes techniques for providing instructions when receiving biometric data associated with a user. For instance, a device may detect a portion of a user, such as a hand. The device may then display a first graphical element indicating a target location for placing the portion of the user above the user-recognition device. Additionally, the device may determine locations of the portion of the user above the device. The device may then display a second graphical element indicating the locations, such as when the locations are not proximate to the target location. Additionally, the device may display instructions for moving the portion of the user to the target location. Based on detecting that the location of the portion of the user is proximate to the target location, the device may send data representing the portion of the user to a remote system.

Abstract: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.

Abstract: A system may include a plurality of camera devices configured to acquire image data associated with a property. The system may also include a processor that receives the image data from the plurality of camera devices, receives insurance policy data associated with the property from a database, and adjusts one or more terms of the insurance policy data based on the image data.

Abstract: A system for generating a fraud risk score for a third party provider (TPP) transaction. The system includes a server including an electronic processor. The electronic processor is configured to determine a frequency-recency-monetary value feature, a reputation feature, and a rule feature for a TPP transaction, using the frequency-recency-monetary value feature, the reputation feature, and the rule feature as input for a machine learning model, execute the machine learning model to generate a blended score, and, when the blended score is above a second predetermined threshold, determine that the TPP transaction is fraudulent.

Abstract: Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.

Abstract: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.

Abstract: Embodiments provide a fraud alert management system with real-time remediation and integration with the originating system. The system obtains an electronic file that includes an exception information data structure comprising exception information representing one or more events and automatically parses the exception information into events for the customers associated with the events. For each customer, the system sends an event notification message with a link to an authentication interface of the payor financial institution. After the customer is authenticated, the system provides a user interface that displays information for each event and a display element for reporting fraud. Responsive to the customer selecting the display element for reporting fraud, the system sends a fraud reporting messages to the payor financial institution and the payee financial institution.

Abstract: This disclosure describes systems, methods, and computer-readable media related to mobile device purchase flows. In some embodiments, a mobile device may obtain a uniform resource identifier (URI). The mobile device may launch a browser based at least in part on the URI. The mobile device may submit a first set of data to a server based at least in part on the URI and receive a re-direct URI. The mobile device may launch an application in response to receiving the re-direct URI from the server, wherein the application submits a second set of data to the server. The mobile device may facilitate completion of a transaction by the application based at least in part on matching the first set of data and the second set of data at the server.

Abstract: A computerized method produces an identity code to identify each subject stored in the computer systems connected to a computer network while protecting the privacy and confidentiality of the subject. A central computer system receives an identity code of a suspect of a financial crime and sends the identity code to all computer systems connected to the computer network. The computer systems that have the matched identity code send the requested information to the central computer system. As a result, law enforcement organizations can eliminate crimes and financial institutions can recover the money stolen from them. In addition, law enforcement organizations and financial institutions can identify money launderers that are missed by their anti-money laundering transactional monitoring systems.

Abstract: A payment system includes: an acquisition unit that acquires an image including a payment target product; an estimation unit that estimates a product that corresponds to an object identified from the image; a display unit that displays information on the product in association with the object; a reception unit that receives input indicating intention to register the object, which indicates whether to register the object as the payment target product, from a user; and a registration unit that registers the object in accordance with the input. The registration unit registers the object as the payment target product upon receiving an input indicating that the object should be registered, and does not register the object as the payment target product upon receiving an input indicating that the object should be excluded from the payment target products.

Abstract: Systems, methods, and computer-readable storage media for locking-in currency exchanges. One method includes providing, by a graphical user interface (GUI) of a wallet application, a customer request, wherein the customer request is a request for a currency transfer between a customer account of the customer to a recipient account of a recipient, wherein the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, presenting, by the GUI of the wallet application, a locked-in exchange rate for a time limit and data corresponding to the exchange rate and the time limit, exchanging, by the wallet application, an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, and receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer.