Abstract: A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

Abstract: Certain consumers may not have a credit report and, thus, may not be able to enroll in a credit monitoring service. A credit report monitoring system requests a credit report of consumers that are attempting to enroll in a credit monitoring service. If no credit report is located for the consumer, a credit report of the consumer is automatically periodically requested by the system. When a credit report is later located, the consumer may continue with enrollment in a credit report monitoring service. In this way, the consumer is alerted of the (possibly fraudulent) creation of a credit report and is quickly able to enroll in a credit monitoring service.

Abstract: An embodiment of the present invention is directed to a Temporal CVV2 of CVV, which may be represented as a temporary three digit number generated using unique credentials associated with a card product. According to an embodiment of the present invention, the Temporal CVV2 may be generated for each transaction request or other defined set of transactions based on one or more factors, including time period/limit, usage, fraud/risk considerations. With this solution, a customer may request a new Temporal CVV2 each time a purchase is initiated. This may include online purchases, e-commerce transactions, manual link and provision requests, customer authentication for servicing channels, etc. An embodiment of the present invention seeks to mitigate risk and provide a safer and secure solution for customers while providing flexibility to make various purchases before a new card arrives.

Abstract: A system includes a customer authentication system and an automatic teller machine (ATM). The ATM includes a display, one or more memory devices storing software instructions, and one or more processors configured to: execute the software instructions to perform operations to display an item on display; store information regarding the item; receive from a customer device captured information regarding the item; receive from the customer device identifying information of a customer; send the identifying information to the customer authentication system; compare the captured information with the information stored in the one or more memory devices; authenticate the customer device based on the comparison; and allow access to the customer account via the ATM after the authentication.

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data, and identify one or more action items in the environmental data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive user input data, and provide purchase request data to a merchant terminal in response to those inputs.

Abstract: A distributed system includes a lending device that is configured to receive, from a user device, a real-time request for a loan associated with a service, where the request specifies at least an identifier of the user device and a specific amount of funds; determine, based at least on the specific amount of funds for the loan and on the identifier of the user device, to provide the loan to the user device; generate a digital token associated with the loan, where the digital token specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with a service device; and provide, the user device and/or the service device, the digital token associated with the loan, where the digital token is redeemable by the payee associated with the service device for the approved amount of funds.

Abstract: A digital/virtual gift product is provided for generation and customization by a giver through a service provider and for receipt by a recipient for use with a merchant. The digital/virtual gift product includes: a representation of a monetary gift value selected by the giver and depicted on the digital/virtual gift product for use and redemption with a preselected merchant; a merchant identification depicted on the digital/virtual gift product to identify the preselected merchant, selected by the giver, and at which preselected merchant the digital/virtual gift product is redeemable; and a giver identification to identify the giver of the digital/virtual gift product to the recipient and to the merchant. At least one system and associated methods also are disclosed for creating, customizing, and tracking multiple digital/virtual gift products.

Abstract: A plurality of bank identification number (BIN) ranges are characterized according to credit risk. A list of the plurality of bank identification number (BIN) ranges characterized by credit risk is made available to a transit-specific payment network interface processor, which is coupled to a plurality of memory-constrained fare gates of a transit authority. The list is configured to be distributed to the memory-constrained fare gates of the transit authority. Advantageously, the list based on BIN ranges takes up less memory than a list based on individual account numbers or the like and can be maintained in memory at the memory-constrained fare gates for rapid decisioning.

Abstract: Computer implemented methods are provided that create and/or validate a spending blockchain transaction that includes i) a plurality of locking scripts each representing an instance of an execution thread (which can be execution threads that are forked from an execution thread represented by a locking script of a previous blockchain transaction and/or execution threads of at least one previous blockchain transaction that are managed and/or controlled for inter-thread communication and control) or ii) a locking script representing an instance of an execution thread joined from a plurality of execution threads represented at least one previous blockchain transaction. Once created and/or validated, the spending blockchain transaction can be communicated on a blockchain network for storage in a blockchain ledger. The blockchain transactions can implement thread-specific locking scripts and associated fork, join and barrier constructs for concurrent or asynchronous threads of execution.

Abstract: A real-time activity recommendation system receives an input from a user device regarding a targeted financial goal, such as a target credit score. Using machine learning models to evaluate patterns of user activity that contribute positively towards the goal, and to evaluate the limitations and opportunities of the user's financial circumstances and profile, the recommendation system makes an assessment in real time to determine user actions that can be taken to improve credit health based on a user's profile and activity data. A user-specific recommendation regarding an activity that should be performed to reach the goal is generated and transmitted to the user. User and third party activity is later monitored as the user's financial status changes over time, and the recommendations are updated accordingly.

Abstract: A computerized-method for predicting a probability of fraudulent financial-account access, is provided herein. The computerized-method includes a. building a Machine Learning (ML) sequence model; b. implementing a forward-propagation-routine in an encapsulated environment that runs applications to mimic a process of the ML sequence model. The forward-propagation-routine is mimicking processing of a chronical-sequence of a preconfigured number of non-financial activities sequence vector, layer by layer to generate a fraud probability score and using weights and biases which were extracted from each layer of the trained ML sequence model; and c.

Abstract: A user is presented with a first display with certain parties and a second display on the same screen, where the user can drag and drop the parties on the first screen to the second screen to create a desired network flow. A service provider, such as a payment provider, builds code based on the network flow and zips it into a downloadable file. The user can then easily implement the zipped code into a mobile app that will allow a user to send data through the app using the payment provider. The zipped code uses a library of data options offered by the payment provider and allows the user to input custom variables into these options. Code is automatically generated for the user to use based on the user input.

Abstract: A tax data collection system includes a navigation module configured to obtain user data. The system also includes a data graph including information relating to the user data. The system further includes a knowledge engine configured to map the user data onto a data model using the information from the data graph. Moreover, the system includes an inference engine configured to suggest a system action by analyzing at least the data model after the user data has been mapped thereon.

Abstract: Improved computer modeling techniques, and uses thereof, are described herein. A set of unstructured textual data is received. Certain textual data is removed from the set of unstructured data to form an initial vocabulary set of textual data. One or more bigrams are added to the vocabulary set of textual data to form a final vocabulary set of textual data. The final vocabulary set of textual data is divided into a plurality of subsets of textual data based on type. A model is trained using each of the plurality of subsets of textual data to form a plurality of trained models, each corresponding to one of the types.

Abstract: A computing device is configured to acquire or access credit or reporting data associated with a consumer. The computing device then is configured to analyze the credit or reporting data to determine reporting cycles for accounts associated with the consumer. For example, the computing device may determine that credit information for a particular account may be updated at a regular interval (e.g., once a month on the 3rd) or some other more complex cycle. The computing device can subsequently used the determined reporting cycles to predict the next reporting dates for respective accounts and provide the information, for instance, to the consumer.

Abstract: A central claims adjuster control unit associated with an entity may oversee the assignment of claims cases to claims adjusters. The control unit may designate that a threshold number of cases may be assigned to certain claims adjusters. When new claims cases arrive, the control unit may monitor the workload of each of the claims adjusters and the threshold value assigned to any of the claims adjusters before assigning the case to one of the adjusters. If no adjuster is available, the control unit may store the case(s) in a memory until one of the adjusters becomes available. An additional feature of the control unit includes a user interface for modifying information about claims adjusters, including whether or not a threshold value is associated with them, the value of any associated threshold, and the reassignment of cases from one adjuster to another.

Abstract: Systems and methods are provided for a clearing framework for clearing a non-deliverable interest rate swap. The clearing framework includes an application programming interface (API) including functions for processing trade messages including information used by a clearing house computing system in clearing non-deliverable interest rate swaps; one or more user interface screens comprising information corresponding to one or more non-deliverable interest rate swaps and one or more user interface screens comprising information of cleared interest rate swaps, one an API for reporting clearing information, wherein the one or more functions comprise a first messaging function to confirm clearing of the one or more non-deliverable interest rate swaps and a second messaging function to request consent to clear the one or more non-deliverable interest rate swaps.

Abstract: Arrangements for transaction adapter control are provided. In some aspects, a user device may connect to a network in a current geographic location. The user computing device may detect that a change in geographic location has occurred based on the current geographic location. Responsive to detecting that the change in geographic location has occurred, a mobile transaction adapter associated with or unique to the current geographic location may be downloaded to the user computing device. The mobile transaction adapter may be a plug-in component to a mobile payment application on the user computing device. A request to process a transaction may be received via the mobile payment application on the user device. Upon receiving the request to process the transaction, the mobile transaction adapter may be activated and the request may be routed to the mobile transaction adapter. The requested transaction may then be processed via the mobile transaction adapter.

Abstract: Systems, methods for payment processing performed by one or more processors of a payment service computer system. One method includes receiving a fund transfer request from a recipient identifying a sender and a fund transfer amount. The method further includes identifying a financial institution associated with the sender. The method further includes determining the financial institution is not associated with the payment system. The method further includes selecting an authentication process for the recipient based on a level of risk. The method further includes performing the authentication process based on the level of risk, the authentication process including prompting the sender to provide information regarding the sender. The method further includes verifying accuracy of the information regarding the sender by scraping the information maintained by the financial institution using the access credentials and sending the fund transfer amount to the recipient.

Abstract: A computer-based adaptive advising system is described that generates a client profile for a client that includes a risk perception matrix. The risk perception matrix includes a familiarity index, an association index, and a sensitivity index, wherein each index indicates a relative weight of corresponding parameters for the client's perception of risk. The system identifies one or more investment recommendations for the client from a pool of potential investments based on the risk perception matrix for the client, and presents the recommendations based at least on association parameters capturing subjects of personal relevance to the client. After receiving an acceptance or rejection for each of the one or more investment recommendation, the system updates the familiarity index, the association index, and/or the sensitivity index based on the accepted invention recommendations and rejected investment recommendations.