Abstract: Embodiments provide a method of facilitating a payment transaction with a payment card of a customer. The method includes receiving a payment transaction request initiated at a merchant terminal. The payment transaction request comprises a merchant transaction amount associated with a purchase entered at the merchant terminal and a fingerprint tap input provided by the customer on a fingerprint input module, the fingerprint tap input indicative of a customer transaction amount associated with the purchase. The method includes facilitating verification of a fingerprint obtained from the fingerprint tap input of the customer by comparing with stored fingerprint of the customer. The method further includes, upon successful verification, determining whether the merchant transaction amount conforms to the customer transaction amount obtained from the fingerprint tap input.

Abstract: A damage prediction system that uses hazard data and/or aerial images to predict future damage and/or estimate existing damage to a structure is described herein. For example, the damage prediction system may use forecasted hazard data to predict future damage or use actual hazard data to estimate existing damage. The damage prediction system may obtain hazard data in which structures were or will be impacted by a hazard. The damage prediction system can then generate a flight plan that causes an aerial vehicle to fly over the impacted parcels and capture images. The damage prediction system can use artificial intelligence to process the images for the purpose of identifying potential damage. The damage prediction system can also use a hazard model, the hazard data, and structure characteristics to generate a damage score. The damage prediction system can then use the processed images and/or damage score to generate a virtual claim.

Abstract: An NFC payment method includes: displaying, by a first terminal, a third-party payment application based on a preset trigger condition; and interacting with a second terminal by using the third-party payment application, to complete NFC payment.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

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: Disclosed are a dual transaction method and system based on centralization and decentralization. In the embodiments of the present description, when a designated member node receives a transaction request, in one aspect, transaction feasibility verification is carried out for the transaction request, a designated resource amount is deducted from a virtual resource account corresponding to a spending user identifier after the request passes the verification, and the designated resource amount is added to a virtual resource account corresponding to a payment-receiving user identification; in another aspect, target transaction information is broadcasted to a block chain network according to the transaction request, so that each member node distributes the target transaction information to a block chain on the basis of a consensus mechanism after the block chain network performs transaction feasibility verification on the target transaction information.

Abstract: Disclosed are a dual transaction method and system based on centralization and decentralization. In the embodiments of the present description, when a designated member node receives a transaction request, in one aspect, transaction feasibility verification is carried out for the transaction request, a designated resource amount is deducted from a virtual resource account corresponding to a spending user identifier after the request passes the verification, and the designated resource amount is added to a virtual resource account corresponding to a payment-receiving user identification; in another aspect, target transaction information is broadcasted to a block chain network according to the transaction request, so that each member node distributes the target transaction information to a block chain on the basis of a consensus mechanism after the block chain network performs transaction feasibility verification on the target transaction information.

Abstract: A securitization, exposure, portioning, and exchange platform for enabling the securitization or fixing of quantitative values of data parcels, which correspond to external assets, and the exchange of data parcels between account systems operating via computers over a network. The security of data parcels, which corresponds to their quantitative integrity, is controlled by removing their exposure to changes in their corresponding external assets.

Abstract: A system and method for automatically detecting if a vehicle safety system is being used by a driver is disclosed. The system and method use data gathered from one or more sensors in the vehicle. The data is analyzed to determine if the safety system is being used or disabled. The system can send reminders to a driver to use the safety system. The system and method can also automatically update a policy holder's insurance policy to reflect whether or not a safety system is being used.

Abstract: A system and method may create auto insurance quotes using data collected from a device that tracks vehicle usage data and other data. Usage data may be tracked by an On Board Diagnostic (OBD) device or other portable computing device such as a smart phone. Based on a received coverage type, the usage data and other data may be analyzed to determine auto insurance quotes. A potential customer may then purchase an auto insurance policy. Once the purchased policy has been determined to have expired, new usage data will be collected, and new quotes will be created for the customer.

Abstract: Described herein are systems, methods, and apparatuses for personalizing transactions. The systems, methods, and apparatuses may include an acceptance device receiving an account credential, generating a transaction request message, transmitting the transaction request message, and receiving an authorization response message comprising a multimedia object associated with the account credential. The acceptance device may output the multimedia object.

Abstract: A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account numbers that can be used by a consumer in a payment transaction at a merchant, the virtual payment account number generation service also operable to take a portion of the virtual payment account number and send it as a checkout code to a consumer using the consumer's mobile device, and an offer generation engine used to set rules for an offer to be sent to consumers, create a fund for the offer, and determine individual consumer's eligibility for the offer. The offer is associated with the checkout code such that the offer is processed as part of the payment during the payment transaction using the virtual payment account number.

Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes converting, by a communication device, a request from a remote payment initiator associated with a merchant into a message to a payment network, via a software development kit (SDK) executed by a web browser of the communication device. The request is associated with a transaction to a payment account and includes at least one of: a browser cookie, a payment account number associated with the payment account, a card ID for the payment account, and a payment ID for the transaction. And, the message includes the at least one of: the browser cookie, the payment account number, the card ID, and the payment ID.

Abstract: System, apparatuses, computer-implemented methods, and computer-readable media executable by insurance system servers and user computing devices for receiving requests for insurance products are provided. In order to determine one or more factors of the insurance product or policy, the system may use body characteristics of the customer or potential customer, such as height, weight, body mass index, and the like. In some examples, this information may be determined from one or more images provided by the user. For instance, one or more images of the customer or potential customer may be captured and transmitted to the system for processing. Based on the received images, the system may determine various body characteristics of the user and may use that information to determine one or more policy factors for the insurance product or policy, such as premium, coverage, term, type of policy, or the like.

Abstract: The present embodiments relate to detecting fraudulent insurance claims. According to certain aspects, a central monitoring server may receive and examine data detected by at least one unmanned vehicle and generate an estimated insurance claim for a loss event. The central monitoring server may then receive an actual insurance claim relating to the loss event, and may compare the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim. If buildup is detected, the central monitoring server may then process the actual insurance claim accordingly based upon the potential buildup. As a result, claim monies may be paid to insureds that more accurately reflect actual losses resulting from the loss event, and insurance cost savings may be ultimately passed onto typical insurance customers.

Abstract: A client device can determine, based on global navigation satellite system (GNSS) data received from one or more GNSS satellites, a non-real-time kinematics (RTK) GNSS location of the client device. The client device can determine, based on corrections data received from a reference station, an RTK-assisted GNSS location, of the client device, from the non-RTK GNSS location. The client device can broadcast location information associated with the client device, the location information indicating the RTK-assisted GNSS location of the client device. The client device can receive, from a merchant device, a peer-to-peer connection request, for a peer-to-peer connection between the client device and the merchant device, based on transmitting the location information and based on the RTK-assisted GNSS location of the client device being located within a particular geographic area. The client device and the merchant device can process a transaction via the peer-to-peer connection.

Abstract: Signals-based data syndication and collaboration is disclosed. A data store of insurance related data collected from a plurality of carriers is accessed. A pattern is identified based at least in part on data stored in the data store. The pattern is associated with a first set of insurance related data belonging to a first carrier and with a second set of insurance related data belonging to a second carrier. First and second users associated with the first and second carriers are notified, respectively, of the identified pattern. Consent from the first user to share at least a portion of the first set of insurance related data and consent from the second user to share at least a portion of the second set of insurance related data are obtained. At least a portion of the second set of insurance related data that the second user has consented to share is caused to be presented to the first user.

Abstract: A method for trusted notifications comprises: receiving, at a first host having at least one trusted server, a request message from a sender computing device, the request message comprising a request identifier and instructions to: update, at a second host, a recipient account associated with a recipient computing device, and to make a corresponding update at the first host to a sender account associated with the sender computing device. The method further comprises authorizing, at the first host, the request message; updating the sender account; generating a secure message at the at least one trusted server, the secure message comprising the request identifier and an indication from the at least one trusted server that the update completed; and sending the secure message from the first host to the sender computing device. The secure message can be received at the sender computer device and conveyed to the recipient computing device.

Abstract: A mobile application for purchasing vehicular insurance without the need for manual data entry via a mobile device keyboard is disclosed. The mobile application is configured to image driver's licenses and vehicle barcodes to collect relevant driver and vehicular information. Other relevant data is either collected from correlated third-party databases or user input via voice recognition or user-friendly graphical user interface screens. Collected information is transmitted to one or more insurers and one or more quotes are displayed for consideration by the applicant. The mobile application may further comprise payment services and insurance agency point of sale services. The mobile application further provides an interactive digital insurance identification card to serve as a platform and dashboard for readily accessing services associated with the insurance policy, particularly when in an accident, when roadside services are required, and when a lower cost updated policy is available to the insured party.

Abstract: Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller. The transaction management controller receives a transaction amount for a payment transaction from a business management engine and a payment transaction type from a point of interaction device. The transaction management controller initializes a transaction processing module that corresponds to the received payment transaction type. The transaction processing module defines payment processing parameters for processing payment transactions of the payment transaction type. One or more of the payment processing parameters are modified based on configuration data received from a remote configuration device. The transaction management controller processes the payment transaction as a function of the payment processing parameters. Other embodiments are described and claimed.