Abstract: An automatic teller machine includes a first interface unit, a second interface unit, a front panel and a control unit. The first interface unit is configured to display financial information for financial transaction to a user. The second interface unit is disposed in a region different from a region in which the first interface unit is disposed. The second interface unit has a plurality of operation parts to be operated by the user. The front panel is movable to a first position in which the operation parts are hidden from the outside of the automatic teller machine and a second position in which the operation parts are exposed to the outside of the automatic teller machine. The control unit is configured to control the front panel so as to be located in one of the first position and the second position.

Abstract: Disclosed are techniques for generating a personalized flow for a software delivery model. These techniques identify a plurality of business clusters and a plurality of expense categories for the plurality of business clusters and natural language description about a first characteristic of a specific user from an electronic tax return in an electronic tax return preparation and filing software application delivery model. One or more business clusters may be determined from the plurality of business clusters for the specific user based in part or in whole upon a user description vector of at least a part of the description. One or more expense categories may be identified for the electronic tax return of the specific user based in part or in whole upon the one or more business clusters.

Abstract: An RF tag with integrated anti-theft device allows a user, having a mobile device, to perform a secure purchasing application where the user uses the camera of the mobile device to read a barcode of a product and an RF tag with an integrated anti-theft device. The user can select the product he wishes to buy, check the information concerning that product, purchase the product, and disable the anti-theft device to go through a security portal without triggering the alarm.

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.

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. Payment information and VAS data can also be provided based on location. A request for payment information can be received. A location can be determined, and a merchant associated with the location can also be determined. Payment information and/or VAS data can be selected based on the merchant and/or location, and can be provided for a payment transaction.

Abstract: A dynamic transaction card may be paired with a user application executed on a user device card to facilitate multi-factor authentication of a user by utilizing the dynamic transaction card as a physical token. Various communication technologies may be utilized to create a connection between the dynamic transaction card and the user device application which may include wireless connections and physical connections. Validation information stored in a passive tag on the dynamic transaction card may be received by the user device application, which may evaluate the connection between the dynamic transaction card and the user device, log in credentials of the user, and user information stored in a digital security delivery storage to authenticate the user. This unique pairing of the dynamic transaction card and user device application may automatically facilitate a secure multi-factor authentication by utilizing the dynamic transaction card as a physical token.

Abstract: A credit report system is disclosed which may provide credit data to a consumer in the consumer's search results or at other times when credit data may be useful to a consumer. Searches relevant to credit data may be determined based on the search terms entered, or based on the results of the search. Credit data may be provided if the consumer accesses webpages relevant to credit reports or credit scores. The credit report system may also authenticate the consumer's identity before providing credit data to the consumer. Credit data may include the consumer's credit score as well as other information such as credit report data that may be useful to a consumer.

Abstract: A system and method for acquiring, collecting, comparing and evaluating the condition of rental property at several time periods during a lease or rental agreement. A first image is compared to a second image, a deposit amount remaining is calculated based on the image comparison. The remaining deposit amount is paid using an electronic format.

Abstract: An intelligent messaging server (herein ‘messaging server’) that is communicably coupled to trusted directory nodes receives, from a first user computing device, an electronic request that includes at least a unique identifier of a second user. Using the unique identifier, the messaging server determines that the second user is a registered user of the messaging server. Responsive to a negative determination that the second user is a registered user, the messaging server generates and transmits an electronic registration message to the second user. The electronic registration message includes a link to a secure web page that prompts the second user to temporarily register with the messaging server. Responsive to a temporary registration of the second user, the messaging server generates a record that includes at least an account identifier of the temporarily registered second user's account, providing enhanced security to the second user's data via the trusted directory nodes.

Abstract: The technology detects undesirable data packets. Data packets are received from multiple sources at one or more packet switches in a data communications network. The one or more packet switches route the data packets to one or more intended destination computing nodes and also transmit a copy of all the data packets received in the data communications network to a network capture device. The network capture device processes the data packets, detects financial data packets, and transmits the detected financial data packets for analysis by a risk exposure computer system that performs automatic financial risk analysis based on the detected financial data packets.

Abstract: Methods and systems for monitoring market data are disclosed. Real time data is collected that is related to conditions of a trading market. Collection occurs at an edge server associated with a liquidity destination trading at least one financial article of trade. The real time data that is collected can also be normalized if desired into a standard form. A user defined criteria is received from a centralized hub. The user defined criteria defines a particular event in the condition. It is then determined when a condition in the trading market matches the event. A response is generated providing notification of the occurrence of the event. The response is sent to the centralized hub for distribution to a user associated with the user defined criteria.

Abstract: A media player is provided. The media player comprises a communications interface, a memory store containing a plurality of personalized advertisements, and a media playback component. The targeted advertisements are refreshed by receiving updates from the communications interface during some of the intervals when the media player is connected to a network. The targeted advertisements are indexed by a plurality of characteristics, the first characteristic being a creation date of the targeted advertisements. The media playback component is configured to play a media content, wherein the media content is stored separately from the targeted advertisements, and to play one of the targeted advertisements in the memory store selected based on the characteristics of the one of the targeted advertisements.

Abstract: A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.

Abstract: According to an embodiment of the present invention, a computer implemented method and system for identifying potential fraud with targeted benefits comprising: receiving, using a programmed computer processor, participant data associated with a participant of a targeted benefit program wherein the participant data comprises geographical data associated with the participant and a participating merchant; applying, using a programmed computer processor, data linking to the participant data where a plurality of filters are applied to the participant data to identify potential fraud; and providing an output, via an interface, comprising a recommended response to the identified potential fraud.

Abstract: Systems and methods are to provide information to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store and associate personal information of a user with a telephone number of the user, and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange uses the converters to communicate with the mobile phone of a user to approve the providing of the personal information from the data storage facility to a website.

Abstract: A credit card and credit card payment system includes a zero-LOC card account having an associated zero-LOC card with a unique identification number and a zero line of credit. The issuer of the zero-LOC card assumes no credit risk. This zero-LOC card account is independent of a funding card account, such that the zero-LOC card is funded, at some point before use, by at least one funds transfer from the funding card account to provide a positive credit balance in the zero-LOC card account. At the point of use, zero-LOC card functions just like a regular credit card except for the fact that a debit/payment transaction on the zero-LOC card is authorized using the available credit balance on the zero-LOC card account instead of the available line-of-credit as in the case of a regular credit card.

Abstract: A computer implemented method of making an investment value decision through modeling an investment's expected cash flows, each expected cash flow represented on the display device of a computer as a graphical three-dimensional joint-probability volume encapsulating uncertainties of both time and magnitude, making it unnecessary to consider investment risk before choosing discount rates, allowing a user to discount all cash flows using only the “risk-free” rate to produce a net present value probability distribution rather than single-number estimate, and displaying the resulting net present value probability distribution as a graphical two-dimensional net present value probability area on the display device of a computer, wherein one dimension represents magnitude and the other dimension represents probability.

Abstract: Risk characteristic information is received concerning a property that is to be insured by an insurance company. The risk characteristic indicates sensitivities of the property to commodity prices. Commodity futures information is also received. The commodity futures information indicates futures contract prices for at least one commodity. An insurance pricing model is stored. The insurance pricing model operates to base pricing of insurance policies at least in part on the commodity futures information. A premium quotation for insuring the property is generated based at least in part on the insurance pricing model and the commodity futures information.

Abstract: Systems and methods for financial data analysis are provided. A system is provided wherein financial data associated with stocks and stock options is collected from multiple sources and calculations performed thereon to derive values for a set of searchable screening parameters related to searching stock option spreads. Users may access the system and provide values and ranges of values for searching the set of searchable screening parameters. In response, users are presented with the set of option spreads, in sorted order, that satisfy the user-supplied search values. Users may select to execute an option spread in which case the system automatically executes the plurality of option trades that underly the spread.

Abstract: The present invention relates to prepaid services in the communication field. A method for charging a prepaid account includes: delivering the available traffic to the NAS based on the available balance of an account shared by the user and other users in response to a successful authentication of a user's access request; and delivering the available traffic to the NAS based on the available balance of the account shared by the user and other users in response to a receipt of an Accounting-Request-Interim message from the NAS. The solution provided by the invention may deliver the available traffic to a user every accounting period so that an account can be used by multiple users concurrently, whereas overdraft does not occur. The present invention also provides a system and an AAA server for charging a prepaid account.