Abstract: A trusted transaction signal is passed from a merchant to an account provider. A merchant receives a payment account association with a transaction between a customer and the merchant, and determines a level of risk for the transaction. If the customer is unknown to the merchant, the trust level is determined to be a default trust level. If the customer is known to the merchant, then a risk assessment determines whether the trust level is the default trust level, or a second, greater, trust level. A transaction notification is sent to the account provider. When the trust level is the default level, the notification includes a merchant ID that identifies the merchant and signifies the default trust level for the transaction. When the trust level is the greater level, the notification includes a different merchant ID that also identifies the merchant, but represents the second trust level for the transaction.

Abstract: A system and method are provided for automatically estimating a repair cost for a vehicle. A method includes: receiving, at a server computing device over an electronic network, one or more images of a damaged vehicle from a client computing device; performing image processing operations on each of the one or more images to detect external damage to a first set of parts of the vehicle; inferring internal damage to a second set of parts of the vehicle based on the detected external damage; and, calculating an estimated repair cost for the vehicle based on the detected external damage and inferred internal damage based on accessing a parts database that includes repair and labor costs for each part in the first and second sets of parts.

Abstract: A directed order process and related market center system are disclosed, wherein a market center system grants permission to order sending firms to send directed order flow to participating designated market makers. Such designated market makers create a virtual guarantee order book for each permissioned order sending firm. If an order sending firm sends a directed order to the market center that is marketable against a virtual guarantee order, then the market center system automatically pairs the orders in a two-sided directed cross order instruction, which executes against any superior interest in an electronic marketplace before crossing, all while maintaining anonymity amongst the parties.

Abstract: Described herein are technologies to facilitate online payment of bills to an online merchant while enabling a customer to retain her choices in the contractual relationship. For example, the technology described herein enables the customer to select the funding source of her choice and to modify the contractual relationship in the manner allowed by the online merchant.

Abstract: A system, method and apparatus for exchanging value using a smart card in a financial transaction is disclosed. The system includes a smart card having a contact interface and a contactless interface interactive with a closed purse application and an open purse application controlled by a microprocessor. The closed purse application contains application-specific value, while the open purse contains general value. The application-specific value and general value are each compatible within the system of the invention to perform and settle the financial transaction. The financial transaction may include the smart card communicating with a load terminal or a transaction terminal to add or change the amount of value on the smart card. Further, the present invention include auto-load functionality for adding an amount of value to the smart card. Finally, applications such as a transportation application and a loyalty application are described.

Abstract: Methods, systems, and computer program products for providing monitored transactions at automated teller machines are disclosed. For example, a computer-implemented method may include receiving, at an automated teller machine, a transaction request from a mobile device of a user, generating an electronic transmission based on the transaction request, sending the electronic transmission to a server machine, receiving a result from the server machine based on the electronic transmission, and providing information associated with the result of the electronic transmission to the mobile device of the user.

Abstract: In some examples, methods and systems may process one or more payment transactions between a merchant and a customer by obtaining at least one payment proxy having a syntax including a monetary currency indicator preceding an alphanumeric character. The payment proxy may be transmitted by a transmitter component of a payment beacon device. The method includes generating, through an application accessed through the customer device, a message by identifying the payment proxy in a message and a money transfer amount in the message; parsing the payment proxy to identify the merchant associated with the payment proxy in the message; identifying a merchant financial account associated with the identified merchant, based on a stored association between the merchant financial account and the identified merchant; and initiating, by the payment processing system, a transfer of funds indicative of the money transfer amount from a financial account of the customer to a financial account of the merchant.

Abstract: In certain embodiments, a method includes receiving, at a payment server via an application executing on a device of a user, a request to create a payment proxy identifier. The method includes associating, in a data store maintained by the payment server, the payment proxy identifier to a financial account associated with the user. The method includes generating a personalized interactive element for initiating a transaction to the financial account of the user. The method includes receiving an indication of an intent to transfer a value from a sender to the user. The indication is produced via interaction of a device associated with the sender with the personalized interactive element. The method includes, responsive to receiving the indication, identifying a financial account of the sender and initiating a transfer of the value between the financial account of the user and the financial account of the sender.

Abstract: A wallet system includes a terminal having a first processor and the first server having a second processor. The first processor is configured to transmit a reloading method registration request to a first server, transmit a reloading request to the first server, and transmit a settlement request to the first server via a terminal of a settlement recipient. The second processor is configured to register a payment method as the reloading method, increase a balance of electronic money in the wallet based on reloading amount information included in the reloading request, and reduce the balance of electronic money in the wallet based on settlement amount information included in the settlement request. The payment method is included in the reloading method registration request.

Abstract: Typically, online transactions, such as online purchases of products or services require entering sensitive transaction information into a third-party web browser or application. This may expose sensitive transaction information to an increased risk of inadvertent disclosure. Apparatus and methods are provided for a smart card which enables users to securely complete online transactions without entering any sensitive transaction information into a third-party system. Vendor websites may be configured to generate a unique code identifying the vendor offering the product/service, the product/service and price of the product/service. The smart card includes a keypad for entering the unique code and completing payment for the desired product/service. The smart card will include a microprocessor and wireless interface. The wireless interface provides wireless communication capabilities and the ability to initiate online payments based on information captured by the keypad.

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

Abstract: A wallet system includes: a mobile terminal including a first processor including hardware, the first processor being configured to enable a user to determine an amount that is larger than a price of a product in a store as a payment amount, and output, to a server, a payment request for paying the payment amount using electronic money deposited to an electronic wallet; and a store terminal including a display, and a second processor including hardware, the second processor being configured to cause the display to display an amount of change to the user calculated by subtracting the price of the product from the payment amount.

Abstract: A method for managing computing resources involves obtaining, by an electronic auction agent, a request to auction access to one or more computing resources, and auctioning, by the electronic auction agent, access to the computing resource(s) based on the request.

Abstract: Certain aspects of the present disclosure provide techniques for detecting fraudulent transactions in a transaction processing system. An example method generally includes receiving a request to process a transaction. An input data set including a vector representing the transaction and a plurality of vectors representing historical transactions is generated. The input data set is divided into a plurality of ragged tensors corresponding to non-overlapping time segments of variable length and having a plurality of vectors associated with dates within each time segment A reduced input data set is generated by generating, for each respective ragged tensor of the plurality of ragged tensors, a respective representative vector using max pooling over vectors in the ragged tensor. A fraudulent transaction score is generated based on the reduced input data set using a fraud detection model. The transaction is processed based, at least in part, on the fraudulent transaction score.

Abstract: This specification techniques for sharing service and identity information between devices. One example method include acquiring, by a first device, a digital object identifier (DOI) of a second device, the DOI including identity information associated with the second device; generating, by the first device, a service DOI based on the identity information from the DOI of the second device, the service DOI including the identity information of the second device and service information; and displaying, by the first device, the service DOI on a display of the first device, wherein the displayed service DOI is configured to cause the second device to perform service processing when the displayed service DOI is acquired by the second device, and wherein the service processing is based at least in part on the identity information and the service information included in the service DOI.

Abstract: A optimization processor in a data transaction processing system receives an electronic data multiple transaction request message including multiple electronic data transaction requests, and determines whether some of the electronic data transaction requests should be routed through or bypass transaction integrity modules designed to detect and mitigate undesirable object conditions. The optimization processor may also determine whether some of the electronic data transaction requests should be routed through or bypass transaction processing modules designed to match or attempt to match electronic data transaction requests. The optimization processor may, in one embodiment, rely upon previous decisions made by the modules. The optimization processor may also access data structures storing information about a current environment state to determine whether an electronic data transaction request should be routed through the time consuming transaction integrity and transaction processing modules.

Abstract: An online agricultural system manages and optimizes interactions of entities within the system to enable the execution of transaction and the transportation of crop products. The online agricultural system accesses historic and environmental data describing factors that may impact crop product transactions and/or transportation to determine market prices for crop products and crop product transportation. Responsive to receiving a request from an entity, the online agricultural system determines an optimal transaction for the entity, such as a price for selling a crop product, an available crop product for purchase, or a transportation opportunity to transport a crop product.

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: Systems for issuing authentication challenges based on fraud initiation requests are provided. The system may calculate a fraud risk level based on a fraud initiating request comprising identity-based data. In response to the fraud risk level indicating a risk of fraud, the system may generate an authentication challenge based on an authentication challenge type and an authentication challenge delivery channel. The system may transmit the authentication challenge and receive back an authentication challenge response. The system may verify the authentication challenge response and generate an authentication outcome based on the verification.

Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating a fraud score and/or action set (e.g., refer/decline/queue for review) based on the transactional behavior pattern and merchant risk. Account holder data may include, for example, an account type, an account balance, account credits and debits, and transaction data including merchant name, location, and transaction details.