Abstract: In embodiments, diagnostics are electronically determined and provided as to why historical resource values differ from resource values determined according to more-trusted ways. Historical relationship instance data regarding a plurality of historical relationship instances between a primary entity and a plurality of secondary entities are received along with a plurality of historical resource values, in which each historical relationship instance of the plurality of historical relationship instances is associated with a respective historical resource value of the plurality of historical resource values. The system produces a respective trusted resource values based on the respective historical relationship instance. Based on differences between the respective trusted resource value and the respective historical resource value associated with the dataset, the system outputs one or more diagnostic comments associated with the detected difference.

Abstract: A method for employing adaptive credit decisions in relation to extension of a loan to a user may include receiving user information associated with the user and transaction information associated with a transaction of the user with respect to a product or service offered by a vendor, employing a first credit decision model to execute a first credit extension decision with respect to a first type of financing option based on the user information and the transaction information, employing a second credit decision model to execute a second credit extension decision with respect to a second type of financing option based on the user information and the transaction information, and determining, based on the first and second credit extension decisions, whether to extend a credit offer to the user when the user proceeds to checkout for the transaction.

Abstract: Systems and methods for fraud monitoring are disclosed, including: receiving a transaction request associated with a first instrument of a user; extracting, characteristics of the transaction request; identifying, by the first processor, user data based on the transaction request; determining a fraud severity value and notification value based on inputting the characteristics and user data into a fraud machine learning model; performing a first fraud action based on the fraud severity value; wherein the first fraud action is at least one selected from the group of locking the first instrument for a period of time, deactivating the first instrument, and electronically transmitting a first query message to a user device associated with the first instrument; and transmitting a fraud notification based on the notification value, wherein the fraud notification includes severity information associated with the fraud severity value.

Abstract: Systems and methods for mutual authentication of a user and a container administrator computer system. A container administrator computer system receives a request from a mobile computing device for a user to access a secure container. The request includes a user identifier. The administrator system receives a first authentication factor corresponding to the user. The administrator system authenticates the user by verifying that the first authentication factor matches a first reference authentication factor associated with the user identifier. The administrator system sends a second authentication factor associated with the administrator system to a human-machine interface associated with the secure container or the mobile computing device. The administrator system receives a notification of authentication of the administrator system using the authentication factor. The administrator system transmits an unlock signal to unlock the secure container.

Abstract: A service tracking and guidance system includes processing circuitry configured to receive, from a location tracking device and/or an online service, usage data indicative of usage of a service by a consumer. The processing circuitry is also configured to determine a usage value based on the usage data, to receive remittance data indicative of recurring payments made by the consumer for the service, and to retrieve a usage threshold that represents a level of usage of the service that justifies the recurring payments. The processing circuitry is further configured to compare the usage value determined based on the usage data for a time period that corresponds to at least one of the recurring payments to the usage threshold and to provide an output with directions to increase the usage value or to facilitate cancellation of the service in response to the usage value being below the usage threshold.

Abstract: Techniques are described for using a supplemental data layer of a real time payments channel to send data. For example, an entity may request a transaction with another entity, and the transaction may be performed using a channel that includes a supplemental data layer. Supplemental data, in addition to the data for the transaction itself, may be communicated using the supplemental data layer to entities involved in the transaction, and/or to third parties. The supplemental data may be sent in real time with respect to the sending of the data for the transaction. In some instances, supplemental data layer is present in one or both directions in the two-way communications between the entities involved in the transaction. The supplemental data layer can be leveraged to provide additional information and/or services to a user involved in the transaction.

Abstract: Methods and systems for processing trip-based insurance policies for vehicles. According to aspects, a trip-based insurance policy of a vehicle specifies an amount of trip units for insured vehicle travel and has an associated policy term. In certain cases, a customer may exhaust trip units before an expiration of the policy term. The methods and systems therefore enable the purchase of additional trip units so that the customer remains insured. In other cases, upon expiration of the policy term, an insurance provider may calculate an amount of unused trip units. The insurance provider may determine one or more types of credit that are based on the amount of unused trip units. The insurance provider may also apply the one or more types of credit to an account of the customer.

Abstract: Disclosed is a system, apparatus, and business method for using financial instruments to provide investment incentive to fund disaster mitigation projects and/or ecosystem restoration projects triggered by real world events detected at set points by sensors and analyzed by computing devices. The detection of events results in the computational analysis and determination of a characteristics of a resilience bond or ecosystem-service bond to be issued or returned to investors. Examples involve sensors used to detect events, including flood damage mitigation, earthquake damage mitigation, or air quality improvement. In one preferred embodiment of the disclosure an investor may make an initial payment into a financial instrument being a resilience bond used to fund a mitigation project, said financial instrument pays phases to the mitigation project developer at the completion of phases of the project that occur prior to the occurrence of a disaster.

Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.

Abstract: In an example implementation, a method includes receiving, at a computing device, borrower information and requested financing plan information. Likewise, a method includes outputting at least a portion of the received information to a second computing device and, after receiving an indication of a decision denying the requested financing plan, outputting at least a portion of the received information to a computing device associated with a lender and confirming, to a computing device associated with a borrower or a merchant that the information has been sent to the lender.

Abstract: An image of a transaction receipt is obtained and optical character recognition (OCR) is processed on the image to identify a transaction identifier, a transaction total, and a handwritten amount associated with a transaction. When a confidence value associated with the OCR is above a threshold value, the handwritten amount is processed automatically through a transaction interface for the transaction to update the transaction total for the transaction.

Abstract: Systems and methods for intellectual property (IP) asset protection are disclosed. For example, by analyzing characteristic information associated with a user, along with feedback from one or more potential insurers, the system may determine various terms of an insurance policy for protecting the user against claims of IP infringement. The policy may provide for financial reimbursement for costs incurred while taking active measures to mitigate losses and/or defend against such claims. In addition, the system may analyze the characteristic information to identify various users having a low exposure of an infringement claim being asserted. The identified users may be actively targeted to acquire an IP protection policy.

Abstract: A method includes receiving, by a server device, a plurality of input settings from a client device. In a tangible memory, the server device stores the plurality of input settings. The server device sets a linear proxy constraint based on the plurality of input settings to replace a non-linear constraint. The server device solves a system of equations to determine a feasible solution. The server device determines the feasible solution. Based on the determining the feasible solution, determining, by the server device, whether a current solution satisfies a convergence criterion. In response to determining the current solution satisfies the convergence criterion, the current solution is stored in the tangible memory by the server device. In response to determining the current solution does not satisfy the convergence criterion, the server device updates one or more of the input settings and solving the system of equations.

Abstract: A payment processing method and apparatus for using an intermediary platform are described. In one embodiment, the method comprises electronically receiving approval from an intermediary platform associated with a payment processor user of a first authorization request for a first transaction; electronically receiving for approval, at the payment processing system, a second authorization request for a second transaction from a merchant using a payment instrument used by an agent of the service provider; and settling transactions associated with the service provider, including clearing a batch of records corresponding to the service provider on a predetermined time basis by comparing, with a tracking engine of the payment processing system, transaction tracking information associated with authorization requests to net out individual transactions.

Abstract: The disclosed computer-implemented method for protecting customer payment data against malware attacks on inline frame payment forms may include (i) detecting a payment form in a payment page on an online merchant website (e.g., by monitoring the website for a user entry of payment information during a customer transaction session or by analyzing, in hypertext markup language associated with an inline frame (iframe), a document object model (DOM)) to identify the payment form, (ii) identifying the iframe on the online merchant website, (iii) determining whether the iframe is associated with a trusted domain utilized for processing the payment information to complete the customer transaction session, and (iv) performing a security action that protects against a potential malware attack by preventing completion of the customer transaction upon determining that the iframe is unassociated with the trusted domain. Various other methods, systems, and computer-readable media are also disclosed.

Abstract: Described herein is a platform and method for generating a terminal location from transaction data. In some embodiments, location data is periodically provided to a service computer from multiple mobile devices. Additionally, transaction data related to terminals may be provided to the service provider by one or more entities. The service provider may be configured to match records in the received transaction data to records in the received location data to identify a set of potential terminal locations. In some embodiments, the set of potential terminal locations may be filtered according to one or more criteria. A terminal location may subsequently be approximated from the set of potential terminal locations.

Abstract: A method includes receiving, from a client device, a request to access data of a data exchange platform. The method further includes receiving a selection corresponding to a monetization option for the data. The method further includes executing, by one or more processors, a monetization operation corresponding to the selection without directing the client device outside of the data exchange platform. The method further includes granting the client device access to the data of the data exchange platform in response to successfully performing the monetization operation.

Abstract: A transportation analytics (TA) computing device may be provided. The TA computing device may include at least one processor and/or associated transceiver. The at least one processor and/or associated transceiver may be configured to: (1) receive, from a user mobile device, telematics data including an indicator that the user mobile device is communicatively linked to a transportation device; (2) identify each period that the user mobile device is communicatively linked to a transportation device as a trip using the transportation device; (3) store, the telematics data in a database in association with a trip identifier corresponding to the identified trips and a time stamp; (4) perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to a time period; and/or (5) calculate, based upon the identified telematics data, a premium amount for insuring the user during the trips taken during the time period.

Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can detect fraudulent transactions before the transactions have been posted to the financial account. The system can also be used to provide real time notifications to customers about potential fraudulent activity.

Abstract: A network configured to perform a method of controlling transactions thereon is described. The network includes a first set of nodes, a second set of nodes, a server, a first agent, and a second agent. The server originates a transactional record. The first agent is receives a request to execute a transaction defined by the transactional record. At least one node of the second set of nodes validates, at least in part, the transaction, and decides a first result and a second result related to completeness and correctness, respectively, of data related to the transaction. The first agent queries, to the second agent, the first result and/or the second result, and permits the request to execute the transaction based, at least in part, on the first result and/or the second result.