Abstract: Described is a reactive hierarchical blockchain architecture, system, and methodology for Global Trade Management (GTM). The system includes a comprehensive suite of GTM applications and leverages multi-national content to deliver efficient cross-boarder transactions anywhere in the world. The tiered computer-implemented system and method allow development of distributed GTM blockchain solutions capable of processing enormous amounts of global content at scale to meet huge transaction volume. The hierarchical blockchain architecture further assures scalability of the GTM solutions described herein by reducing the need for performing extensive calculations on multiple blockchain nodes. The GTM blockchain systems can be standalone or they can feed information into on or more main International Trade (ITC) blockchains. Smart contracts for specific GTM operations are segregated among appropriate childchains and verified by integrated GTM applications executed on permissioned nodes.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving first voice data from a user, receiving behavior data associated with the user, and determining that the user is authentic at least partially based on voice recognition of the first voice data, and behavior analysis of the behavior data, and subsequently: prompting one or more spoken commands from the user, receiving second voice data representative of at least one spoken command of the user to trade at least one financial instrument, providing trade data for executing the trade of the at least one financial instrument, and determining that the trade data is valid at least partially based on the second voice data, and in response, initiating execution of the trade.

Abstract: The disclosed embodiments assist a user in monitoring one or more user-selected activities. In addition, a user may share the monitored information with one or more people, such as a particular group of friends (e.g., friends associated with a social networking website) or by e-mailing or text messaging the monitored information to a particular person or persons. In some embodiments, a user may participate in a competition with one or more people (e.g., designated friends or even random people) to either perform or not perform a particular activity. Still, in some embodiments, the disclosed embodiments may automatically receive financial data from a financial service provider and update/display one or more user-selected activities based on the received financial data.

Abstract: The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.

Abstract: A system for providing coaching includes a system that creates a user-specific coach to assist a user in achieving one or more goals, such as, e.g., a financial goal. The coach is generated based on one or more traits of the user to increase the likelihood that the user will relate and respond to communications from the coach in a manner that enables the user to achieve his/her goal. The traits used by the system to create the coach can include traits input directly by a user, as well as user traits deduced by the system by monitoring various types of user behavior, including the user's usage of computing devices, habits, etc. The system also adapts the coaching provided by the coach in response to trends noted by the coaching system as the system is used by the user as well as others.

Abstract: There is a need for improving data security in enrollment management systems. This need can be addressed by, for example, solutions for determining an enrollment recommendation for a primary member profile based on preconfigured enrollment modeling data. In one example, a method includes retrieving enrollment modeling data for a group of member profiles, determining a plurality of related member profiles for the primary member profile from the group of member profiles, determining a cross-member enrollment prediction for the primary member profile by comparing enrollment modeling data of the primary member profile and enrollment modeling data of each related member profile, determining a member-specific enrollment recommendation by comparing enrollment modeling data of the primary member profile and enrollment coverage criteria for each enrollment plan, and determining the enrollment recommendation based on the cross-member enrollment prediction and the member-specific enrollment prediction.

Abstract: This invention relates generally to the field of creating and distributing investment funds, and more particularly to systems and methods for creating excess funds from consumer transactions and distributing those funds into one or more investment accounts. Preferred embodiments of the present invention provide systems and methods for selecting transactions in a user's spending account to be rounded-up to the nearest dollar, creating a supplemental charge once the aggregation of those round-ups reach a specified minimum, and providing a closed system where the aggregated micro-charges may be converted into investments for long-term savings and growth.

Abstract: A group money transfer technology that enables a sender to send a group payment or a group request for payment to any number of users that are nearby to effect multiple money transfer transactions are disclosed. The sender can use a payment application executing on his or her mobile device to input an amount and select a group payment or a group request for payment as a request type. In response, the payment application identifies multiple individuals that are nearby the sender or in the same geo-fenced area and are likely to be the intended recipients. The identification of the multiple individuals can be based on location alone, or in combination with one or more contextual criteria based on contact information, schedule information, transaction history information, and the like.

Abstract: Methods and systems for detecting malware by monitoring client-side memory stacks are described. A request for a payment process is received and a client-side memory stack is populated with a series of functions corresponding to the requested payment process. The execution of each function is monitored to determine whether the series of functions and an order of execution of the functions from the client-side memory stack are the same as an expected series of functions and in an expected order corresponding to the payment process. The monitoring also determines whether the number and types of parameters called by the functions are the same as the expected number and types of parameters. The monitoring further determines whether the timing of the execution of the functions is the same as an expected timing. Remedial action is performed when the any of these factors is determined to be different than what is expected.

Abstract: According to an embodiment of the present invention, an automated computer implemented system determines counterparty credit risk calculations. The system comprises a memory component; and a calculation engine programmed to: generate a computation graph of calculation components; build mappings of how each calculation component is connected; and perform path loop calculations where data is shuffled at each stage based on the mappings.

Abstract: A bill payment provider offers to a customer an option to pay a bill from a biller using a payment card account. The offering is carried out via a mechanism of the bill payment provider. The mechanism is of a kind which normally facilitates payments via electronic funds transfer from a demand deposit account of the customer. A request to pay the bill using the payment card account is received via the mechanism. Payment of the bill using the payment card account is facilitated by formatting and dispatching a message from the bill payment provider to an electronic bill payment system. The message is flagged with a flag indicating that the message comprises a non-financial, card payment, message. The message includes an identification of the biller, a card number of the payment card account, and an expiration date of the payment card account. The message is an electronic funds transfer message augmented with the flag, the card number, and the expiration date.

Abstract: This invention relates generally to the field of creating and distributing investment funds, and more particularly to systems and methods for creating excess funds from consumer transactions and distributing those funds into one or more investment accounts. Preferred embodiments of the present invention provide systems and methods for selecting transactions in a user's spending account to be rounded-up to the nearest dollar, creating a supplemental charge once the aggregation of those round-ups reach a specified minimum, and providing a closed system where the aggregated micro-charges may be converted into investments for long-term savings and growth.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A transaction network host may comprise various modules and engines as discussed herein wherein the probability that a transaction is a business or personal transaction may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes. For instance, a probable personal transaction may be identified as being associated with a business-oriented transaction card, whereby the transaction network may tailor the handling of the transaction, such as by denying it, whereby the transaction network may actively deter misuse of transaction products whereby the transaction network more properly functions according to approved parameters.

Abstract: An electronic exchange system network includes a trader site having an automated trading system capable of submitting orders to an exchange site. The automated trading system determines whether an order should be submitted based on, for example, the current market price of an option and theoretical buy and sell prices. The theoretical buy and sell prices are derived from, among other things, the current market price of the security underlying the option. A look-up table stores a range of theoretical buy and sell prices for a given range of current market price of the underlying security. As the price of the underlying security changes, a new theoretical price may be indexed in the look-up table, thereby avoiding calculations that would otherwise slow automated trading decisions. In addition, a system of checks may be conducted to ensure accurate and safe automated trading.

Abstract: An automated teller machine includes a controller. The controller may be configured to transmit via inductive coupling a session key in response to receiving a signal from a nomadic device. The controller may then establish a connection with a vehicle infotainment system (VIS) using the session key and receive from the VIS, a PIN number and a request to dispense funds via the connection. After which, the controller may inhibit release of the funds until a confirmation is received via inductive coupling from the nomadic device.

Abstract: Various aspects of an apparatus and a method for issued token management are disclosed herein. The apparatus comprises an interface configured to communicate with a plurality of electronic devices, via a token server. The apparatus includes a controller configured to receive, from the token server, a plurality of registration requests generated by a user associated with the plurality of electronic devices. An account and associated identity of each of the plurality of electronic devices may be confirmed for a virtual currency instrument that corresponds to the user and an approval is transmitted to issue a token to each of the plurality of electronic devices. A plurality of instantiations of the virtual currency instrument, from the plurality of electronic devices, is registered in a user profile related to the user and stored in a memory along with the associated electronic device information, and the virtual currency instrument information.

Abstract: A system and method is disclosed that facilitates electronic payment to multiple payees from a single electronic payment transaction and/or from a multiple payee check payment.

Abstract: Methods and apparatus for a bandwidth pool pricing service are disclosed. A system includes a plurality of resources of a provider network and a resource manager. The resource manager implements a programmatic interface allowing a client to choose among several supported bandwidth pricing policies for a resource group allocated to the client. One pricing policy includes a first pricing component based on an intra-group network traffic rate, and a second pricing component based on an extra-group network traffic rate. If the client selects the policy, the resource manager provides billing amounts to the client derived from the first and second pricing components and from a set of collected network traffic metrics.

Abstract: An application on user's mobile device (having a display screen) generates a one-time use and time-limited barcode on the display when the user enters a PIN. The barcode can be scanned to make purchases at a point of sale (POS).

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for delivering resources. The methods, systems, and apparatus include actions of based on measurements of amounts of a resource that are delivered from one or more supply outlets against amounts of value of electronic prepayments that have been authorized by corresponding users of mobile devices for the delivery of the resource at the one or more supply outlets, causing the one or more supply outlets to enable delivery of the resource in aggregate amounts that are not outside amounts of value of electronic prepayments that have been authorized by the corresponding users of mobile devices for the delivery of the resource.