Abstract: The invention provides systems and method for securely inputting user data from a user into a mobile device and also for generating user data to be input by a user into a mobile device. For example, there is provided a mobile device case for securely inputting user data from a user into a mobile device, the case comprising: a microcontroller, a communication module for communicating with the mobile device and a user interface to enable the user to input the user data. The microcontroller is preferably configured to receive the user data which is input by a user via the user interface, process said user data to create processed data and communicate said processed data to said mobile device. Alternatively, the microcontroller is configured to receive a request to generate the user data; generate said user data and display said user data on the user interface.

Abstract: Methods and systems for monitoring use and determining risk associated with operation of autonomous vehicles are provided. According to certain aspects, autonomous operation features associated with a vehicle may be determined, and operating data regarding vehicle operation may be obtained. The operating data may include information regarding use levels or settings associated with use of the autonomous operation features. Risk levels associated with the features may be determined from test data or actual loss data. The risk levels and operating data may be used to determine a total risk level associated with operation of the vehicle with expected use levels of the autonomous operation features. The total risk level may further be used to determine or adjust aspects of an insurance policy associated with the vehicle.

Abstract: A digital wallet server computer communicates with a digital wallet application program running on a payment-enabled mobile device. The entry of the mobile device into a country that is foreign to the user's country of residence is detected. The server computer receives transaction information regarding VAT-bearing payment account transactions via the wallet application. The total amount of VAT charged to the user during a trip to the foreign country is calculated. The server computer receives an indication of the user's departure from the foreign country and then initiates a payment account credit transaction to refund the total VAT into the user's payment account.

Abstract: The disclosed embodiments include methods and systems for validating, funding, activating, and reloading one or more configurable multicards. The disclosed embodiments may include a method that may include obtaining user authentication information relating to a first user associated with an inactivated multicard that is configurable for use for purchases and is configured with a zero multicard account balance amount. The method may include obtaining multicard configuration information including a unique multicard identification information that identifies the inactivated multicard and a first multicard account balance amount for the inactivated multicard. The method may also include validating the inactivated multicard using the unique multicard identification information and associating the inactivated multicard with a multicard account having the first multicard account balance that is funded from a financial account associated with the first user.

Abstract: A system and method is disclosed that analyzes a set of historic transaction traces to identify an optimized set of transaction clusters with the highest transaction frequency. The transaction clusters are defined according to multiple parameters describing the execution context of the analyzed transactions. The transaction clusters are described by coordinates in a multidimensional, hierarchical classification space. Descriptive statistical data is extracted from historic transactions corresponding to previously identified transaction clusters and stored as reference data. Transaction trace data from currently executed transactions is analyzed to find a best matching historic transaction cluster. The current transaction traces are grouped according to their corresponding historic transaction cluster.

Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for managing transactions by consolidating associated transactions. For instance, a method may include receiving transaction information for a transaction. The transaction information may include an identifier and a transaction amount associated with the transaction. The method may further include comparing the transaction amount to a threshold to determine whether the transaction amount is equal to or above the threshold, or whether the transaction amount is below the threshold. The method may include, in response to determining that the transaction amount is below the threshold, obtaining pending transaction information, analyzing the pending transaction information to determine whether there is at least one associated transaction associated with the transaction, and performing at least one processing action to resolve the transaction.

Abstract: The present invention generally relates to monitoring and advising consumers of their outstanding credit balance by category of debt (i.e. including, but not limited to, the category of all credit cards, all real estate loans, all automotive loans, all revolving credit loans, etc.) and all minimum payments due by category of debt, and more particularly to an on-line method and system for monitoring and reporting total credit used by category of debt, total minimum payments due by category of debt and total unused available credit by category of debt, and alerting the consumer on a periodic basis via email. Since the credit report is the basis of most credit scores this invention is meant to provide the consumer with debt categories that are used in calculating their credit score, which is critical to future borrowing especially when the borrowing is approved or disapproved based only on the user's credit score.

Abstract: An enhanced system and method for handling, matching and executing a diverse group of limit-priced orders in an electronic options environment is disclosed. Most of the order types disclosed are automatically repriced and reposted as the NBBO changes to increase their execution opportunities. Market maker entitlements are integrated with the order processing, so that the market maker is guaranteed an allocation of the trade if the market maker is at the NBBO when an order priced at or better than the NBBO is received. Once posted to the order book, the displayed price of an order may be eligible for preferential execution in a market maker entitlement process, regardless of whether the displayed price is original or has been automatically repriced.

Abstract: Methods, systems and instructions stored on computer-readable media for receiving a plurality of invoices associated a vendor and one or more buyers. Each invoice is associated with a respective buyer and includes an invoice amount to be paid by a deadline. Each invoice is sent to the respective buyer. Possible early payment invoices that are available for early payment prior to the respective deadline from the plurality of invoices are determined. Notification, including a discount, is sent to the vendor regarding the possible early payment invoices. Approval to receive early payment of one or more of the possible early payment invoices is determined. A vendor financial institution and account, and buyer financial institutions and accounts are determined. A quantity of funds based upon the invoice amount and the discount of the one or more of the possible early payment invoices is transferred from the buyer accounts to the vendor account.

Abstract: Automobile accident claims initiation systems and methods are describe. An insured driver may initiate a claim by operating a mobile device. The system provides automated inquiries to the driver through the mobile device. The driver provides responses to the inquiries using the mobile device. The driver may provide images and audio data, as well as personal information and information on the parties and vehicles involved in the accident. The system may automatically arrange for services such as a rental car or a tow truck. The system may provide claim information, such as a claim number to the driver by transmitting information to the mobile device.

Abstract: The SECTOR-BASED PORTFOLIO CONSTRUCTION PLATFORM APPARATUSES, METHODS AND SYSTEMS (“SPC”) transform user data request via SPC components into sector-based portfolio investment transaction records. In one implementation, the SPC may provide an electronic user interface (UI) (e.g., web-based, mobile, etc.) for a user to construct a sector-based investment portfolio, to obtain performance prediction for the portfolio's allocation strategies by performance back-testing of selected sector funds and indices.

Abstract: A method and system parses natural language in a unique way, determining important words pertaining to a text corpus of a particular genre, such as tax preparation. Sentences extracted from instructions or forms pertaining to tax preparation, for example are parsed to determine word groups forming various parts of speech, and then are processed to exclude words on an exclusion list and word groups that don't meet predetermined criteria. From the resulting data, synonyms are replaced with a common functional operator and the resulting sentence text is analyzed against predetermined patterns to determine one or more functions to be used in a document preparation system.

Abstract: Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include initiating a mobile transaction with a computing device of a user, determining to generate a rendezvous request for the mobile transaction, generating the rendezvous request for the mobile transaction, providing the rendezvous request to the computing device of the user, providing information about the rendezvous request to a second computing device that is to receive a response to the rendezvous request from the user, querying the second computing device to determine whether the response for the rendezvous request is available for processing, receiving the response to the rendezvous request provided by the user from the second computing device, and processing of the mobile transaction in view of receiving the response to the rendezvous request provided by the user from the second computing device.

Abstract: Described herein are various technologies pertaining to reconciling financial transaction information. A system for reconciling financial transactions can utilize incremental processing. Normalized financial data can be processed with submitted financial data identifiable from data derived from submitted financial data. A pluggable framework can utilize payment provider specific configuration data, a plugin model that provides information regarding a syntactic structure of financial data, and a plugin reader that provides semantic information regarding financial data. A distributed computation platform can utilize distributed computational units to utilize dynamic programming to derive a balance for particular accounts. Results from the distributed computational units are reduced into a point-in-time report. A first data version and a second data version from a particular payment provider can be retrieved. These data versions can be simultaneously maintained and accessible by a data consumer.

Abstract: Provided are systems and methods for managing storage of machine data. In one embodiment, a method can be provided. The method can include receiving, from one or more data sources, raw machine data; processing the raw machine data to generate processed machine data; storing the processed machine data in a data store; and determining an allocated data size associated with the processed machine data stored in the data store, wherein the allocated data size is the size of the raw machine data corresponding to the processed machine data stored in the data store.

Abstract: A computer-based method for maintaining an autonomous or self-driving vehicle is provided. The method is implemented using a vehicle controlling (“VC”) computer device installed on the vehicle. The method may include determining that a maintenance operation is required for the self-driving vehicle, retrieving an operator schedule for an operator of the self-driving vehicle, retrieving a facility schedule for a facility, determining a time for performing the maintenance operation based upon the operator schedule, the facility schedule, and an amount of time required to (i) complete the maintenance operation, (ii) drive the self-driving vehicle from a first location to the facility to arrive at the determined time, and (iii) drive the self-driving vehicle to a second location, instructing the self-driving vehicle to drive from the first location to the facility to arrive at the determined time; and/or instructing the self-driving vehicle to drive from the facility a second location.

Abstract: The disclosed embodiments generally relate to a slicer order quantity reduction tool. An example method for reducing a quantity of a slicer order includes calculating a collective quantity associated with available ones of a plurality of child orders; comparing the collective quantity and a reduction amount received in connection with a quantity reduction request for the slicer order; and determining, when the comparison indicates that the available ones of the child orders have insufficient quantity to meet the reduction amount, whether inflight ones of the plurality of child orders collectively have sufficient quantity to make up a shortfall of the available ones of the child orders.

Abstract: The disclosed embodiments provide an order balancing tool for modifying one or more components of an aggregated order in response to a change in quantity of the aggregated order. As used herein, the phrase “aggregated order” refers to two or more trade orders for a same tradeable object at a same price that may be distributed between two or more electronic exchanges. Aggregating trade order quantities may be useful, for example, for trading groups to improve the likelihood of the total number of contracts being filled by placing one trade order rather than two separate trade orders that may be separated by additional trade orders received from different accounts.

Abstract: A system and/or method may be provided for providing a financing offer to the user based on a user's browsing session. An example method includes monitoring a browsing session of a user. The method also includes detecting, based on monitoring the browsing session, an action indicating that the user will purchase a product from a merchant during the browsing session. The method further includes providing, based on the action, the user with a user selectable option to accept a financing offer for the purchase of the product. The financing offer is associated with a lender and specifies a set of offer terms. The method also includes in response to a determination that the user has accepted the financing offer, debiting a lender account associated with the lender, crediting a merchant account associated with the merchant, and establishing an agreement of the financing offer between the user and lender.

Abstract: Methods and systems are disclosed for determining a wallet element for a transaction from among plurality of elements in a mobile wallet application operating on a mobile device. The mobile device, can for example, receive data from a contactless terminal that includes a transaction type such as a payment type or non-payment type transaction. Based on the transaction type and element-selection data such as configuration preferences, usage history or device-specific information, one or more mobile wallet element(s) from among the plurality of mobile wallet elements in the mobile wallet can be determined. The contactless terminal can then be sent wallet element data associated with the particular mobile wallet element.