Abstract: Systems and methods for facilitating a transaction between a first entity and a second entity using a digital currency are described. In some aspects, a computing node participates in a private distributed ledger for a financial institution and stores one or more transaction blocks representing transactions in a digital currency. The digital currency is issued by the financial institution and is fixed with respect to a fiat currency. The computing node is configured to receive a transaction for transferring an amount of digital currency from a first entity to a second entity, generate a new transaction block representing the transaction, transmit the new transaction block to other computing nodes participating in the private distributed ledger, receive an indication of validity of the new transaction block, and insert the new transaction block into the private distributed ledger.

Abstract: Disclosed are methods and systems for provisioning payment card credentials to an Internet of Things (IoT) device that is associated with a companion application. In an embodiment, a mobile device processor displays a companion application user interface (UI) on a display screen, receives a user selection of an option to obtain payment card credentials from the companion application UI, displays a prompt for the user to provide user authentication data to the companion application, receives the user authentication data from a biometric sensor, and authenticates the user.

Abstract: Systems and methods for authenticating a user, the method including receiving an image of a user of a device, identifying a first facial descriptor of the user from the received image and from previously captured images of the user, and determining a difference between the first facial descriptor from the received image and that from the previously captured images. The method further includes identifying a second facial descriptor of a non-user from the previously captured images of the user, and applying facial recognition to images stored in a plurality of second social networking profiles associated with a first social networking profile of the user to identify the second facial descriptor from the images stored in the second social networking profiles. Based on the difference and the second facial descriptor, the user may be authenticated.

Abstract: A digital image of a check may be divided into segments. The segments may be processed to determine the edges between the background data and the check data in the segments of the digital image. A histogram of each segment may be determined and used to determine the edges of the check image portions in the segments and thus the edges of the check. The data outside the edges of the check image portions in the segments may be considered to be background data and may be identified and/or removed. The segments, with the background data removed, may be recombined into an image of the check and provided into a digital image file that may be transmitted to an institution system for deposit of the check in an account.

Abstract: Provided are methods that include determining a set of transaction related actions for an agent, selecting a first transaction related action from the set of transaction related actions for the agent based on a plurality of features associated with the agent, generating transaction data associated with a fraudulent transaction based on the first transaction related action, generating a feature vector, the feature vector including transaction data associated with the fraudulent transaction, providing the feature vector as an input to a fraud detection machine learning model. Methods may also include determining an output of the fraud detection machine learning model based on the feature vector as the input, and generating a fraudulent reward parameter for the first transaction related action based on the output of the fraud detection machine learning model. Systems and computer program products are also provided.

Abstract: This invention describes a new financial language which cures a deficiency sustained by money when it became computer handled: money lost its identity and became a number, as compared with banknotes and physical coins which had a material identity. The new language writes digital coin such that they have value and identity fused together. This new language allows for restoration of the old notion of the cash register. This invention describes a digital cash register offering operational advantages as to clarity, security and accountability.

Abstract: A method and system is disclosed herein for decoupling billing for web services from the application logic which governs those web services by instrumenting a web services stack to monitor SOAP envelopes for pre-determined elements and to use those elements to determine questions as to authorization for solvency as well as calculate charges for said web services.

Abstract: Systems are provided for compressing portfolios of open option positions. Market participants may provide constraints, such as net delta and gamma values within a specific tolerance. A compression engine uses a linear, integer and/or linear-quadratic programming solver to analyze portfolios of multiple market participants and identify multilateral option spread trades that result in portfolios that are compressed subject to the constraints.

Abstract: The present disclosure relates to an intelligent quote-to-cash software agent (“the Agent”) that enables users to efficiently interface with a quote-to-cash system from external messaging applications. The Agent is able to communicate with users using natural language and to identify quote-to-cash system action requests and associated parameters from natural language communications. The user may communicate with the Agent from one of plurality of messaging applications that are not associated with the quote-to-cash system. In response to identifying a quote-to-cash action request and associated parameters in a communication session with a user, the Agent calls the quote-to-cash system and obtains the applicable quote-to-cash output requested by the user. The Agent forwards the quote-to-cash system output to the user via the external messaging application selected by the user. The Agent may initiate communications with the user to inform the user of an opportunity in the quote-to-cash process.

Abstract: A device receives comment information that is associated with users and includes comments provided by the users, about an entity, via social media sources, and receives transaction information that is associated with the users and includes financial transactions of the users with the entity. The device determines correlations between the comment information and the transaction information, where the correlations between the comment information and the transaction information provide weights to the comment information to generate weighted comment information. The device generates a prediction about a future stock price of the entity based on the weighted comment information, the transaction information, and the correlations between the comment information and the transaction information, and provides the prediction about the future stock price of the entity for display.

Abstract: A method for execution by a marketplace server includes detecting fraudulent acquisition of an exchange item by a first computing device, where the exchange item has a static identifier (ID) and a dynamic ID that is generated based on exchange item security parameters associated with the exchange item. The method further includes deactivating the dynamic ID and the exchange item security parameters in response to the detecting fraudulent acquisition, where the static ID of the exchange item remains active and valid. The method further includes generating second exchange item security parameters for the exchange item. The method further includes generating a second dynamic ID based on the second exchange item security parameters, where the second dynamic ID establishes the exchange item for utilization in an exchange item marketplace network. The method further includes updating a record in a marketplace database to include the second dynamic ID.

Abstract: Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system.

Abstract: A system for interfacing with a decisioning service from a third-party domain. A backend system may receive a request to interface with the decisioning service to generate a prequalification result for a user for a specified product, in response to the actuation of a button included in a third-party web domain rendering a product. The backend system may execute a call on a website of the decisioning service. The backend system may receive the product information from the button. The backend system may generate the website within the third-party domain, including a request for information about the user, in response to executing the call to the website. The backend system may transmit a request for generating prequalification result for the product to the decisioning service. The backend system may receive the prequalification result from the decisioning service.

Abstract: A method of facilitating a transaction with a payment card of a cardholder. The method includes receiving a deceptive PIN comprising a set of characters in which one character is a deceptive character. The deceptive character is different than each of a set of actual characters of an actual PIN of the payment card. The method includes identifying the deceptive character and a position of the deceptive character among the set of characters of the deceptive PIN. The method includes determining a reconstructed PIN by replacing the deceptive character with a corresponding actual character at the position in the deceptive PIN. The actual character is determined based on a predefined mathematical expression and a predefined value for the predefined mathematical expression. The method includes authenticating the reconstructed PIN by matching the reconstructed PIN with the actual PIN. The method further includes facilitating the transaction upon successful authentication.

Abstract: An identity chaining fraud detection method that allows each current transaction to be linked to other transactions through commonly shared identities. Over a period of time the links create a chain of associated transactions which can be analyzed to determine if identity variances occur, which indicates that fraud is detected. Additionally, if a specific identity is detected as being fraudulent, that identity can be tagged as fraudulent and can be referenced by a plurality of other merchant transaction chains to determine fraud.

Abstract: Auctioning mechanisms adapted to improve the integrity of dark order block trading are provided.

Abstract: A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.

Abstract: A mobile terminal is adapted for mobile payment through payment in accordance with transaction data from the customer to a merchant via a payment service provider, and is adapted for a clearing of the payment between bank servers. The terminal is characterized in that a) in the secure runtime environment access data are stored for an authentication between the payment trust application and the payment service provider; and b) the agent is further adapted b1) upon an authentication between the payment trust application and the payment service provider, to transmit access data, or authentication data generated employing access data, between the secure runtime environment and the payment service provider, and b2) to accept from the payment trust application a transaction instruction for a payment in accordance with the transaction data and to send it to the payment service provider. A corresponding mobile payment method for a terminal is likewise specified.

Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit account associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.

Abstract: According to one embodiment, a method for performing a money withdrawal transaction includes transmitting a transaction identifier for use by an ATM. The method also includes receiving the transaction identifier from a mobile device of a user, where the mobile device obtains the transaction identifier by capturing machine readable code from the ATM. The method further includes receiving a withdrawal amount from the mobile device along with an identification of an account for use in the withdrawal transaction. The method additionally includes transmitting withdrawal information to a payment service provider to effectuate authorization of a withdrawal of funds from the ATM in an amount equal to the withdrawal amount. The withdrawal information is transmitted from the payment service provider to the ATM and subsequently received therefrom along with a PIN that is input by the user into the ATM. This process mimics existing withdrawal transaction processes of the ATM.