Abstract: The invention relates to distributed ledger technologies such as consensus-based blockchains. Computer-implemented methods for a self-replicating smart contract with termination condition are described. The invention is implemented using a blockchain network, which may be, for example, a Bitcoin blockchain. A first transaction to validate is received at a node in a blockchain network. The first transaction includes a first script that, as a result of being executed, causes the node to at least obtain a first set of field values of the first transaction, with the first set of field values including a third script, and obtain a second set of field values of a second transaction, with the second set of field values including a copy of the second script. A second transaction is obtained.

Abstract: Systems and methods for administering a workers' compensation (WC) claim include a non-transitory, tangible computer-readable storage medium including a WC claim processing program bearing instructions for performing a settlement strategy for WC claims. A processor is configured to execute the WC claim processing program. The WC claim processing program includes a Cost of Waiting (COW) calculating module configured to calculate a COW for a predetermined period of time after an Arrival of a Settlement Opportunity (ASO) of each of the population of seasoned WC claims using the seasoned WC claim financial data and a machine learning module configured to conduct a regression analysis of the population of seasoned WC claims to determine a WC claim characteristic comprising an adversely-developing predictor that the COW of an open WC claim will more likely develop adversely when the corresponding WC claim characteristic data of the open WC claim matches the adversely-developing predictor.

Abstract: Methods and systems for facilitating transactions by disabled cardholders are provided herein. In particular, a method is provided for performing a transaction using a disability-friendly geolocation payment system that includes a payment application with a disability functionality, which may be activated so as to provide auditory instructions and/or enlarged text instructions to a disabled cardholder.

Abstract: A system and method for layered authorization to manage a payment wallet for in-vehicle payments that include executing a vehicle connect application that allows a user to interface with a vehicle through a portable device. The vehicle connect application includes the payment wallet that is configured to be used to provide in-vehicle payments. The system and method also include determining if a plurality of layered authentication processes are successfully completed. The system and method further include allowing access and usage of the payment wallet through the vehicle connect application to complete the in-vehicle payments based on determining the successful completion of the plurality of layered authentication processes.

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: 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: Disclosed herein are a cryptocurrency trading system and method. The cryptocurrency trading system includes: a first matching server configured to generate a transaction pair by matching an order requesting a cryptocurrency transaction with another order to be concluded in conjunction with the former order in order to process the former order; and a coordination device configured to add the first matching server to the cryptocurrency trading system. When the first matching server fails, the coordination device registers a second matching server and allows the second matching server to process the former order.

Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. The data may be used to determine whether operation of the home device is within an acceptable range. If not, the user associated with the home device may receive an alert identifying a potential issue. One or more potential modifications to improve the home device may be identified and transmitted to the user. In some examples, an insurance incentive to implement the recommended modifications may also be transmitted to the user.

Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.

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: A system is provided for supporting cash currency exchange. The system included a server, a first client requesting cash-currency-exchange service, and at least one second client providing the cash-currency-exchange service. The first client sends an exchange-service request of cash currency to the server. The server receives the exchange-service request, obtains the at least one second client, and pushes an exchange-service item corresponding to the exchange-service request to the at least one second client. The second client receives the exchange-service item, and sends a confirmation response to the server. The server pushes information about the at least one second client sending the confirmation response to the first client; and the first client displays the obtained information about the second client, determines a second client as a target client, and triggers an eWallet of the first client to transfer a specified amount to an eWallet of the target client.

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: Techniques are disclosed for facilitating customers' mobile devices to conduct proximity-based payments to reduce the friction of conducting payments from one party to another. In some embodiments, a customer's mobile device can detect another mobile device that is in proximity. For example, the detected device may be in the same wireless personal area network as the customer's device. The customer's device can transmit to a payment service system server (PSS) an identifier identifying the other mobile device that it receives from the other mobile device that is in proximity. The customer's device can receive identification information about the user of the other device from the PSS. When the customer confirms sending a payment to the other user, the PSS facilitates a transfer of a payment amount between a financial account of the customer and a financial account of the user of the other device.

Abstract: Systems and methods of remotely configuring a transaction based, in part, on location information for execution by a computing device associated with a financial institution computing system include a backend system configured to receive location information associated with a user device, determine the location information associated with the user device matches a location configured for pre-staging an ATM transaction, transmit an ATM pre-stage authorization signal to the user device, transmit an authentication decision to the user device, and transmit a transaction code to the user device.

Abstract: Methods and systems for performing a pre-staged transaction, such as a cash withdrawal by a user or a user's surrogate, employ a host server that receives pre-staged ATM transaction data via a first communication channel from a user's mobile device and sends a first unique authentication token via a second communication channel to the user's mobile device processor. An ATM processor receives entry of a pre-staged ATM transaction request and the first unique authentication token and sends the entered pre-staged ATM transaction request and first unique authentication token to the host server for validation, which validates the received pre-staged ATM transaction input data and the entered first unique authentication token.

Abstract: A system and a method are disclosed for generating financial goal packages. Personal and financial information is received from a user. Multiple budgeting strategies are generated based on the received personal and financial information. The budgeting strategies specify an amount of money to be saved by the user every set time period. A selection of a budgeting strategy is received from the user. Multiple goal packages specifying an allocation for the money saved by the user are generated. The multiple goal packages are scored based on the selected budgeting strategy. A goal package is selected based on the scores of each of the goal packages. The selected goal package is displayed to the user via a graphical user interface.

Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.

Abstract: Methods and systems for hearing-impaired payment applications are provided herein. In particular, a method for performing a transaction using a hearing device payment system is provided that includes a hearing device and a cardholder computing device. The method includes pairing the hearing device to the cardholder computing device by means of a wireless communication protocol. A payment application on the cardholder computing device is started to perform a transaction. A cardholder initiates an audible instruction function of the payment application. In addition, the payment application transmits a digital audio signal to the hearing device by means of the wireless communication protocol. The digital audio signal provides an audible instruction to the cardholder via the hearing device.

Abstract: One or more devices in a life insurance clearinghouse system may be configured to store and maintain life insurance customer data and policy data. A life insurance clearing house may store, for example, customer information, policy types and terms, and coverage amounts for life insurance policies associated with different life insurance providers. Various systems and devices, such as insurance provider computer hardware memory and processor systems, insurance clearinghouse computer memory and processor devices, and customer terminals, may retrieve life insurance customer data and/or policy data associated with multiple different life insurance providers, from databases in a life insurance clearinghouse.

Abstract: One or more devices in a data analysis computing system may be configured to receive and analyze movement data and driving data, and determine driving trips and associated drivers based on the received data. Movement data may be collected by one or more mobile devices, such as smartphones, tablet computers, and on-board vehicle systems. Drivers associated with driving trips may be identified based on the movement data collected by the mobile devices, such as speed data, acceleration data, or distance/location data. In some cases, driving patterns may be determined based on the movement data before and after stopping points, and the driving patterns may be compared to a set of previously stored driving patterns associated with various different drivers.