Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Abstract: A method includes acquiring blockchain data that includes transactions between a plurality of blockchain addresses. The method includes labeling a set of the blockchain addresses as fraudulent and generating a graph data structure based on the blockchain data. The method includes calculating a set of scoring features for each blockchain address, where each set of scoring features includes a graph-based scoring feature. Calculating the graph-based scoring feature includes calculating a number of transactions associated with the blockchain address in the graph data structure. The method includes generating a scoring model using sets of scoring features for the blockchain addresses that are labeled as fraudulent and generating a trust score for each blockchain address using the scoring features and the scoring model. The trust score indicates a likelihood that the blockchain address is involved in fraudulent activity. Additionally, the method includes sending a requested trust score to a requesting device.

Abstract: Systems and methods are disclosed for creating, maintaining, and interacting with a distributed ledger for VIN recordkeeping related to a particular vehicle. The systems and methods include the use of smart contracts, and receiving information about the vehicle, such as a description of the vehicle, whether the vehicle is covered by insurance, financial information related to the vehicle, and any maintenance data about the vehicle. This information may be used to create a distributed ledger for the particular vehicle, and during the vehicle's lifetime events related to the vehicle may be recorded in the distributed ledger.

Abstract: Systems and methods include a payer user device including a near field communication transceiver configured to facilitate communications with devices within a threshold range from the payer user device, and a digital payment application that detects one or more payee user devices, receives a selection of a payee user device, receives a tokenized identifier that provides a provider computing system information to identify an account associated with a user of the payee user device, and adds the tokenized identifier to a stored list of payees on the payer user device.

Abstract: A disclosed system, method and computer readable storage medium includes mechanism for controlling cascade price movements in an electronic trading system. Price limits control the prices at which traders can place orders. An upper price limit prevents traders from placing orders above the upper limit and a lower price limit prevents traders from placing orders below the lower limit. The gap between the upper limit and the indicative marked price as well as the gap between lower limit and the indicative market price is controlled so as to cause a breaking effect on very rapidly changing market price.

Abstract: The present invention is in the field of computer systems and processes for managing real and personal property. One aspect of the invention is directed to capturing history of a (real) property, which may include a description of the property, the personal property located on the real property, the projects and maintenance performed or to be performed on the property and their impact on the owner's tax basis in the property. Another aspect of invention allows for sharing of this history with an online community and for transferring the history (or portions thereof) on sale to a buyer.

Abstract: A facility may allow an authorized user to sponsor other users to enter. Actions taken by those users may be associated with the account of the authorized user. Sensor data obtained at a portal may be indicative of whether a user attempted to provide credentials to a sensor at the portal, time between entry of users, attributes about the user, and so forth. Information about when the users have exited may also be obtained. For example, if three people entered one after another and then left at the same time, they may be deemed to form a group. Based on this information, the actions taken by the users in the group may be associated with the account of the authorized user.

Abstract: A system, method and computer program product for receiving information relating to a financial account of an individual from at least one first data provider; receiving information relating to at least one of an identity theft expense reimbursement insurance policy of the individual, a public information relating to the individual, an identity theft risk score of the individual, a credit card registry of the individual, a backup data relating to the individual, a background information of the individual, and a business report relating to the individual, from at least one second data provider; and preparing a report relating to the individual's identity theft based on the information.

Abstract: Provided is an information management system that comprises: a payment information confirmation device which is connected over a network to a cryptocurrency system management terminal that manages a cryptocurrency system, which extracts transaction information including address information for a seller account in a cryptocurrency system, and which generates and transmits payment confirmation information including at least a transfer amount from the extracted transaction information; and a register device which is connected to the payment information confirmation device, receives the payment confirmation information from the payment information confirmation device, displays the received payment confirmation information, converts the currency units of an entered transaction amount into a cryptocurrency units payment amount in the currency units of the cryptocurrency system, generates a two-dimensional code in which are recorded the cryptocurrency units payment amount and the address information, and displays th

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

Abstract: A rights server system comprises a combination of digital fingerprint authentication techniques, processes, programs, and hardware that facilitate the creation, assignment, management, and enforcement of rights related to a physical object. An unspoofable, secure linkage is created between a physical object and an associated digital file through a digital fingerprint of the object. The digital fingerprint must be unambiguously derived from the object. The rights server manages interests in the physical object through issuing digital tokens which are linked to the associated digital file. Digital tokens linked to and backed by the physical object can serve as a type of currency or medium of exchange of real value.

Abstract: Systems and methods for secure messaging and automation are disclosed herein. An example method includes providing a user-facing application secured through use of a security token cached on a web browser, establishing a security protocol or security token utilized between the application server layer and the web services layer that is different from the security token cached on the web browser; and performing asynchronous processing based on user interaction with a goal-based planning application that provides queries that are directed to assessing both risk willingness and goal ability, generates a risk willingness score and a goal ability score, selects a goal-based plan, and generating one or more instructions sets that are used to automatically reconfigure the plurality of user accounts to ensure that a goal is met within a specified time frame.

Abstract: A computer is configured to facilitate prefunding a number of money transfer transaction fees. Each prefunded money transfer transaction fee is usable to pay for a transaction fee associated with a future money transfer send transaction. The computer is further configured to charge an amount for each prefunded money transfer transaction fee based on the number of money transfer transaction fees prefunded. A server connected to the computer is configured to store information related to the prefunded money transfer transaction fees.

Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.

Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check: displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.

Abstract: A system for processing a transaction is described. The system may comprise two summary and turns on a logic component configured for processing the transaction and a memory communicatively coupled to the logic component. The memory may have instructions stored thereon that, in response to execution by the logic component, cause the logic component to receive a request for funds, determine a transaction type associated with the request for funds, aggregate a plurality of transaction requirements based upon the transaction type, analyze transaction data associated with the request for funds, compare the transaction data to the plurality of transaction requirements, determine that the transaction data satisfies each of the plurality of transaction requirements, submit the request for funds to one of a plurality of payment processors, and transmit the transaction response to a client device, where the transaction response comprises one of an approval message or a declined message.

Abstract: Methods and systems are disclosed for transactions with a private digital currency. The private e-currency may be backed by a financial institution, managed using a blockchain, and only available for transactions with members of a network associated with the financial institution. The members may include mobile wallets, merchants and ATM's. A mobile wallet may register with the network and receive an amount of the private e-currency from the financial institution. The mobile wallet may establish a connection with a payment recipient such as another wallet, an ATM or a merchant, and receive a payee address. The mobile wallet may send a transaction request to the blockchain for payment to the payee address of a payment amount of the private e-currency, so that the payment recipient can, using a blockchain, confirm or deny the transaction request.

Abstract: An information display system includes a computing system that is configured to implement a user interface, access a first database storing a plurality of loan workout rules, receive loan and borrower data regarding an existing loan, and determine a plurality of loan workout options based on the plurality of loan workout rules and the received loan and borrower data. The plurality of loan workout options are displayed on the user interface.

Abstract: A digital derivative is a cryptographic- and blockchain-based financial product that governs capital investments in blockchain mining infrastructure. The digital derivative resembles a bond financial product that utilizes blockchain protocols for principal, interest, and payment aspects. A secured hashrate is delivered by the issuer for the lifetime of the digital derivative. Income is generated in the cryptocurrency being mined, and the issuer may elect (prior to issuance) to repay the principal in the mined cryptocurrency. A cryptographic variable interest rate is calculated in the mined cryptocurrency based on the secured hashrate and a protocol-reported network difficulty.