Abstract: A method for implementing transactions includes receiving, by a first computing system, a transaction request from a second computing system, the transaction request indicating a first account number that is an alias of a transaction account having a second account number, and specifying a transaction. The method further includes determining the second account number by referencing a data structure that associates the first account number and the second account number, determining a verification policy associated with the second account number, and transmitting a verification challenge based on the verification policy. The method yet further includes receiving a response to the verification challenge, determining to authorize the transaction request based on the response to the verification challenge, and implementing the transaction involving the transaction account specified by the transaction request.

Abstract: A system and method for leveraging email to complete a checkout for registered and unregistered customers of the e-commerce system are disclosed. The system and method include receiving, by an email payment gateway, an email message comprising a customer email address and a token. The token includes transaction information for a transaction from a third party vendor. The system and method further include determining a registration status of a customer based on the customer email address, wherein the registration status is one of a registered customer of the e-commerce system or an unregistered customer of the e-commerce system. The system and method further include decoding the token and sending an email message to the customer email address based on the registration status and the decoded token.

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: A system and method of a smart contract and distributed ledger platform with blockchain custody service includes a blockchain service circuit structured to interface with a distributed ledger; a data collection circuit structured to receive data related to items of collateral or data related to environments of the items of collateral; a valuation circuit structured to determine a value for each of the plurality of items of collateral based on a valuation model and the received data; and a smart contract circuit structured to interpret a smart lending contract for a loan, and to modify the smart lending contract by assigning, based on the determined value for each of the items of collateral, at least a portion of the items of collateral as security for the loan such that the determined value of the items of collateral is sufficient to provide security for the loan.

Abstract: The disclosed embodiments relate to regulation of a rate of incoming orders by buffering or otherwise batching orders together as they are received and subsequently forwarding batches of orders to a match engine for processing thereby in a manner which may equalize orders from traders having varying abilities to rapid submit orders or otherwise capitalize on market events. The disclosed embodiments further relate to prioritizing the matching of resting orders against an incoming order. In particular, the disclosed embodiments alter the priority of a given resting order to match against an incoming order, relative to other suitably matching resting orders, as a function of how long the orders have been resting on the order book.

Abstract: Detachable payment devices capable of performing payment transactions associated with a mobile wallet of a mobile device are described. The payment device may be implemented in a variety of shapes and sizes such as, the shape of a typical payment card or a stylus/electronic pen. In order to communicate with the mobile device, the mobile wallet of the mobile device, and a POS terminal, the detachable payment device may use short range contactless transmissions. While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.

Abstract: The disclosed embodiments relate to regulation of a rate of incoming orders by buffering or otherwise batching orders together as they are received and subsequently forwarding batches of orders to a match engine for processing thereby in a manner which may equalize orders from traders having varying abilities to rapid submit orders or otherwise capitalize on market events. The disclosed embodiments further relate to prioritizing the matching of resting orders against an incoming order. In particular, the disclosed embodiments alter the priority of a given resting order to match against an incoming order, relative to other suitably matching resting orders, as a function of how long the orders have been resting on the order book.

Abstract: One or more implementations of the present specification provide a method and apparatus for starting a smart contract, an electronic device, and a storage medium. The method is applied in a blockchain node, and can include: running a timing start logic defined in a chain code, the timing start logic configured to determine a start moment of a target smart contract, and start the target smart contract when a current moment reaches the start moment.

Abstract: Systems and methods for communication of electronic data in which one or more memory-coupled entity processors programmed to execute a stateless application that persists no data except configuration data in the stateless application and causes the at least one entity processor to receive data in a first format from a data source to which the stateless application executing on the at least one entity processor is loosely coupled; translate the received data to a second format for a data destination; and submit the data in the second format to the data destination to which the stateless application executing on the at least one entity processor is also loosely coupled.

Abstract: A computer implemented method for aggregating quantities associated with messages includes: generating an implied message for an object based on two constituent messages, wherein the implied message is associated with a value based on the values of the constituent messages, a priority that is equivalent to the lower of the priorities of the constituent messages, and a quantity that is equivalent to the lesser of the quantities of the constituent messages, receiving third and fourth messages, increasing the quantity of the implied message based on the received messages, and upon an occurrence of a match event involving the implied message, automatically allocating all of the quantity of the implied message for matching during the match event before allocating any of the quantity associated with the third message for matching during the match event.

Abstract: Methods, systems, and devices for techniques for configuring a transaction funnel are described. A server may receive, from a provider, a first set of rules for providing a product or service of the provider. The server may transmit, to an entity of the product or service, the first set of rules received from the provider. The server may receive, from the entity, a second set of rules for providing the product or service, where the second set of rules may be based on the first set of rules. Using the configuration techniques, the server may generate a transaction funnel associated with providing the product or service.

Abstract: A system and method that varies the terms and conditions of a subsidized loan includes a data collection circuit structured to receive data related to an item of collateral that provides security for a loan; a valuation circuit structured to determine a value for the item of collateral based on the received data and a valuation model; a smart contract circuit structured to create a smart lending contract, wherein the smart lending contract specifies a covenant defining a required value of the item of collateral; and a loan management circuit comprising: a value comparison circuit structured to compare the value of the item and the specified covenant and determine a collateral satisfaction value, an automated agent circuit structured to automatically implement loan related activities in response to the collateral satisfaction value, wherein the loan related activities comprise: issuing a notice of default or a foreclosure action.

Abstract: An approach for establishing and managing authentication circles is disclosed. The circles may be used to facilitate management of accounts, goals, or resources of one or more entities, or to provide an integrated view of the circumstances of, for example, family members or other interrelated persons. A person receiving assistance with the management of one or more accounts need not disclose authentication credentials to persons helping manage the accounts, enhancing security. Members may view members and access accounts administered by separate computing systems without needing credentials for each member, account, and/or computing system. The multiple accounts (which may be held at multiple institutions) need not be accessed individually by each member of the authentication circle, saving time and computing resources of users.

Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.

Abstract: A system and method of a smart contract and distributed ledger platform with blockchain custody service includes a blockchain service circuit structured to interface with a distributed ledger; a data collection circuit structured to receive data related to items of collateral or data related to environments of the items of collateral; a valuation circuit structured to determine a value for each of the plurality of items of collateral based on a valuation model and the received data; and a smart contract circuit structured to interpret a smart lending contract for a loan, and to modify the smart lending contract by assigning, based on the determined value for each of the items of collateral, at least a portion of the items of collateral as security for the loan such that the determined value of the items of collateral is sufficient to provide security for the loan.

Abstract: The invention relates to a method for processing transactional data representing a payment between a user (U) and a merchant (M), the method being implemented by an electronic device for processing transactions situated within a communications network. Such a method comprises: a step (100) for receiving a request for processing a transaction (ReqTT) coming from a merchant server (SerMar); a step (110) for obtaining a piece of data representing a payment parameter (ParPai) associated with said merchant server (SerMar); a step (140) for transmitting a request for processing payment (ReqTrtPai) to a payment server (SerPai).

Abstract: A system is provided for securely tracking submissions of commodity trades for commodities. The system receives from a price reporter a report on commodity trades between the price reporter and another entity. Each commodity trade includes pricing information and a location of delivery of the commodity. The system generates a hash of the report as evidence of the commodity trades of the report. For each commodity trade of the report, the system maps the location of that commodity trade to an assessment of pricing information such that the commodity trade is to be included in the assessment. The system provides to the price reporter the hash of the report as evidence of the commodity trades. The system provides to the price reporter a listing of the commodity trades of the report for each commodity trade. The listing identifies each assessment that includes that commodity trade.

Abstract: A target transaction to write off a target e-bill is received. In response to the target transaction, a write-off logic declared in a smart contract published on a blockchain is invoked. A bill number of the target e-bill is obtained, and whether the bill number matches an e-bill number segment maintained in a blockchain account corresponding to a bill issuer of the target e-bill is checked. In response to determining that the bill number matches the e-bill number segment maintained in the blockchain account corresponding to the bill issuer of the target e-bill, a validity check is performed on bill content of the target e-bill. After the validity check succeeds, generating a write-off completion event corresponding to the target e-bill is generated and published to the blockchain for storage.

Abstract: According to one embodiment, an electronic transaction device includes: a relationship map storage unit that stores a relationship map (a participant relationship map) which is information indicating a relationship between a plurality of parties involved in a predetermined transaction; a policy requirement storage unit that stores policy requirements, which are requirements for the parties involved in the transaction, necessary for the closing of the transaction; an agreement policy calculation unit that generates an agreement policy which is a condition related to an approver of a transaction indicated by transaction data holding a predetermined transaction content, based upon the relationship map and the policy requirements; and an approval request transmission unit that transmits a predetermined approval request to a predetermined information processing device associated with an approver of a transaction specified based upon the generated agreement policy.

Abstract: There are provided systems and methods for code generation and tracking for automatic data synchronization in a data management system. A user associated with an entity, such as an employee of an organization, may purchase an item utilizing a payment instrument or card provided by the organization. In order to provide proper expense allocation, the organization may require receipt matching and storage per use of the payment instrument. An expense management system may provide digital code generation and output on a corresponding physical or digital receipt so that when the receipt is provided to the expense management system, the codes may be matched to backend data stored by the system. The receipts may be processed by extracting text data from an image of a receipt to determine the codes. The codes may then be used to search a database of codes to match to digital transaction data.