Abstract: A system, a method, and a program for providing a financial transaction by a virtual card number, a virtual card number generating device, and a virtual card number verifying device are provided. The method includes receiving, by a virtual card number verifying means, a virtual card number provided from a virtual card number generating means, extracting, by the virtual card number verifying means, a plurality of detailed codes included in the virtual card number, searching, by the virtual card number verifying means, for a storage location of a real card number based on the plurality of detailed codes, and proceeding, by the virtual card number verifying means, with the financial transaction or requesting, by the virtual card number verifying means, to proceed with the financial transaction using the real card number extracted from the storage location.

Abstract: Provided is a computer-implemented method for conducting a payment transaction to ensure data integrity of the payment transaction that includes generating a transaction authorization request message, where the transaction authorization request message comprises a payload associated with an electronic funds transfer at a point-of-sale (POS) device, and where generating the transaction authorization request message includes generating a digital signature for the payload using a private key of a payment gateway system and inserting the digital signature for the payload into the transaction authorization request message, transmitting the transaction authorization request message including the digital signature, and receiving a transaction authorization response message from a transaction service provider system. A system and computer program product are also provided.

Abstract: The disclosed embodiments relate to implementation of a trading system or trading system architecture having multiple transaction processors that execute financial transactions as well as scheduled tasks. The multiple transaction processors perform all actions independently of each other, but can be configured to execute the financial transactions or scheduled tasks in a controlled, coordinated, and/or synchronized manner based on time signal data augmented to the financial transactions or scheduled tasks by a transaction receiver/orderer.

Abstract: A computing system may be configured to receive and analyze movement data. A stopping point within the movement data may be determined. Additional data related to the determined stopping point may be received from one or more roadway infrastructure devices. A time interval of data may be determined and analyzed based on the additional data. A driving pattern may be determined based on the analyzed determined time interval of data. A driver of a driving trip may be determined based on the driving pattern. Data corresponding to the driver and the driving trip may be outputted. Drivers associated with driving trips may be identified based on the movement data. In some cases, a driving pattern may be determined based on the movement data.

Abstract: A method for secured receipt and usage of payment credentials using a commercial-off-the-shelf (COTS) device includes: storing, in the COTS device, a secure application program and cryptographic keys; establishing, by the program, a secure communication channel with a back-end system inaccessible by any application program or component in the COTS device; exchanging attestation data between the program and the back-end system using the communication channel; receiving payment credentials from a payment card by a near field communication (NFC) interface in the COTS device; transmitting the payment credentials to the program by the NFC interface; enciphering, by the program, the payment credentials; and transmitting, by the program of the COTS device, the enciphered payment credentials to the back-end system using the secure communication channel.

Abstract: Systems and methods for permitting a buyer of a mobile home to apply for a mortgage by taking digital photographs of documents with his or her mobile device are disclosed. The borrower's mobile device may include subsystems for processing the image, optimizing it, and converting the image into a file type that may be acceptable by a lender. A loan facilitation platform performs additional processing to determine whether the document may be deemed acceptable by a lender. If so, the processed documents may be sent to a lender. The systems and method disclosed herein improve the mortgage application review and approval process and bring greater transparency to it.

Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for conducting collaborative real-time inspections of insured properties. The system may include several workstations, each operated by a different user with a respective role in processing an insurance claim. The system also may include a server system configured to receive an indication of an insured property to be inspected by users at the workstations using an unmanned aerial vehicle (UAV) configured to collect aerial imagery, provide, substantially in real time during an inspection session, aerial imagery of the insured property to each of the workstations, receive, substantially in real time during the inspection session, information related to the insured property being inspected from the workstations, and generate a database record descriptive of the inspection session. The aerial imagery may be used to verify dimensions of insured homes or estimate home damage resulting from fire, wind, hail, water, or hurricanes.

Abstract: Aspects of the present disclosure are presented for an Embedded Data Transaction Exchange Platform (EDT-X) that generates marker data about relevant data of a transaction, and reliably stores the marker data in a permanent data storage, such as a block chain distributed ledger. The EDT-X platform does not generate the actual information that explains who was involved in the transaction or what the contents of the transaction were, but rather generates marker data that can reliably lead to tracing back to that information. The marker data may be permanently stored in a permanent data storage entity, such as a block chain distributed ledger. The data about the content of the transaction may be anonymously stored in a secure database, and the marker data pointing to the content of the transaction may be retrieved from the block chain distributed ledger to look up where the content data is stored in the secure database.

Abstract: A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.

Abstract: Disclosed are methods and systems for automatically configuring financial product offerings. An example method includes: receiving, by a computer system, a graph model representing a plurality of permutations of definition provisions of a financial product; translating at least a subset of the graph model into definitions of a plurality of business objects; translating the definitions of the plurality of business objects into definitions of a plurality of services to be implemented by an offering of the financial product; receiving, via a user interface, a plurality of service configuration options; applying the plurality of service configuration options to the definitions of the plurality of services; and generating, based on the definitions of the plurality of services, service configuration data for the offering of the financial product.

Abstract: This application relates to a financial payment method using biometric information. Biometric information of an individual collected in a mobile device of an affiliated member is transmitted to a mobile device of the individual to allow the biometric information to be authenticated in the mobile device of the individual. After the authentication of the biometric information, a substitute key that corresponds to a card password preset by the individual is inputted, and a financial payment is requested based on the payment content.

Abstract: Systems and methods for automated accident analysis such as automatic multi-device accident detection and verification, automated multi-device information capture, and automated geospatial and geo-relational digital scene recreation.

Abstract: Systems and methods are disclosed herein that can detect use of a consumer electronics device and that can generate and offer insurance or protection plans that measure, account, and adjust for the use of the consumer electronics device and consumer tendencies while using the consumer electronics device.

Abstract: Systems and methods are disclosed herein that can detect use of a consumer electronics device and that can generate and offer insurance or protection plans that measure, account, and adjust for the use of the consumer electronics device and consumer tendencies while using the consumer electronics device.

Abstract: A data processing apparatus for processing network data transmitted from a plurality of remote, distributed terminal devices, comprising: a logic processing device that: accesses, over one or more distributed networks, instructions that define initialization of a process of determining multi-user network sources and that specify to allocate one or more portions of a virtual record among the multi-user network sources by automatically simulating a digital exchange process in which the data processing apparatus is a receiving source to receive at least one of the one or more portions by a processing network.

Abstract: An email-based e-commerce system is disclosed with additional features for added security. The system may include security features for email based e-commerce providing added assurance to customers of a higher level of protection than generally required. These security features enhance the password reset function without requiring a password, generate confirmations on outside messaging systems and implement an oversight management tool for authorizing transactions. The methods and apparatus described herein may enhance security by designing a system that can confirm payments through a separate non-email based media. The e-commerce system may send alerts or requests for confirmation in a variety of media to ensure a secure payment process. The methods and apparatus described herein may expand the list of individuals that may request or approve payments based on a single account registered by a single credit card holder. A single user may receive requests from registered sub-customers for payments by email.

Abstract: The state of a trade order may be defined and/or maintained in response to user action at a trading device. A trading device may receive a user action on a graphical user interface (GUI). The user action may cause the submission of the trade order to the electronic exchange. The trading device may receive a user action on the GUI to define an active order state. The trading device may maintain the order state until receiving an identified user action on the GUI to change the order state to inactive, which may cause the trade order to be canceled or held at the electronic exchange. The user action causing the change in the order state may be an active use action, such as a selection, or a passive user action, such as a failure to perform a selection. Such user action may encourage user attention when managing trade orders.

Abstract: A data interaction method, a verification terminal, a server, and a system are described. The method includes: receiving, by a verification terminal, identity verification information from a user terminal, the identity verification information being information sent to the user terminal by a server in advance; sending, by the verification terminal, a request instruction to the server, the request instruction including the identity verification information; executing, by the server, an operation corresponding to the request instruction; and sending, by the server, feedback information to the verification terminal.

Abstract: A computer-implemented method is provided comprising: generating a digital data block comprising transaction data representing at least one energy transfer transaction corresponding to an exchange of charge between a community member device and a charge source device, randomly selecting, in a group of community member devices, a plurality of block verification devices, wherein the block verification devices form a subgroup of block verification devices, partitioning a block verification computation task for the digital data block into a plurality of block verification computation subtasks, assigning the block verification computation so subtasks to respective selected block verification devices, transmitting the digital data block to each selected block verification device, together with its respective block verification computation subtask over a computer network, determining that the digital data block is verified, based on at least one verification results of a corresponding block verification computation

Abstract: A live video of a negotiable instrument may be provided to a financial institution so that an image of the negotiable instrument may be obtained from the live video, processed, and funds associated with the negotiable instrument may be deposited in an account of a user. The user may be identified and authenticated to the financial institution by one or more biometric characteristics. One or more biometric characteristics may be used to endorse the negotiable instrument. A holder may be used to hold the negotiable instrument while live video is being taken and provided from a user to a financial institution.