Abstract: To participate in a health incentive program, a customer of a health-related business such as a health insurance company or medical group entity may use a physiological measurement device to report health-related activity to the business. However, a customer may report fraudulent activity to the business by allowing another party to use the physiological measurement device. In embodiments, an electronic device, a collection and validation server, and a physiological measurement device may execute methods to ensure that the user of the physiological measurement device has identified themselves properly to the business. In embodiments, the electronic device and the physiological measurement device may produce sets of physiological measurement data that are compared to determine that a user of the electronic device is the same as the user of the physiological measurement device. The electronic device may produce a set of physiological measurement data using video and image processing techniques.

Abstract: A system for generating and managing usage-based contracts using blockchains configured to (i) store an insurance contract for a currently occurring or upcoming trip, where the insurance contract is to insure the driver, passenger, and/or vehicle during the trip, where the insurance contract includes terms, conditions, or other clauses (e.g., mileage limitations, limitations on autonomous vehicle operation, etc.) and is in a blockchain structure, and where several nodes store copies of the insurance contract in the blockchain structure; (ii) receive, from the driver and/or (autonomous) vehicle, a requested modification of one or more terms, conditions, or other clauses of the insurance contract, (iii) transmit the requested modification to an insurance auction network, (iv) receive a response to the request from the insurance auction network; and (v) store the response in a new block in the insurance contract (e.g., a smart contract) to facilitate providing trip insurance in a transparent manner.

Abstract: A computer-implemented method for real-time transaction fraud vetting, including: receiving a transaction record including real-time transaction data and a key identifying a transacting entity; matching the key to a plurality of profiles of the transacting entity, each of the plurality of profiles including a data attribute; accessing a datapoint for each of the plurality of profiles, each datapoint representing a standard for the corresponding data attribute computed from historical transaction records of the transacting entity; assessing whether deviation of the real-time transaction data from each datapoint exceeds a corresponding threshold; incrementing a transaction risk corresponding to the transaction record for each deviation from one of the datapoints that exceeds the corresponding threshold; outputting a fraud score based at least in part on the transaction risk; and updating at least one datapoint based on the corresponding real-time transaction data to generate an updated datapoint set for the plu

Abstract: A computer-implemented method for facilitating handling of a call from an insurance customer regarding a loss event includes presenting to a user, by a workbench application executing on a computing device, one or more notes fields in which free-form text may be entered by the user on a user interface display presented on one or more display screens, receiving, via an input device and the user interface display, free-form text that the user entered in at least one of the one or more notes fields, analyzing the received free-form text to identify one or more keywords having relevance to the loss event, communicating loss report information to a loss reporting tool via an API, the loss report information including the one or more identified keywords, and automatically populating, by the loss reporting tool, one or more loss reporting fields using the loss report information.

Abstract: Embodiments described herein disclose methods and systems for identifying that a user is accessing a retailer or service provider website and automatically enabling an interactive window that includes personalized user information. The system can detect that the user is accessing a payment webpage associated with the website, and, in response, generate a selectable list of payment instruments associated with the user. When the user selects a payment instrument, the system can create an electronic ghost card linked to the payment instrument and the electronic ghost card information can be input into the payment webpage.

Abstract: Systems and methods are configured to determine whether a particular information object is a duplicate of an object found in separate information objects. In various embodiments, the particular information object and each separate information object includes a set of data fields for storing data values that allows identical values to be stored in different fields for the objects. The data values for the particular information object are combined to form a data structure that includes a data element for each value. A determination as to whether the particular information object is an exact or partial match of a separate information object is made by performing a function on the data structure for the particular information object and a data structure for the separate information object to identify an intersection that includes data values for the particular information object that have an identical match with values for the separate information object.

Abstract: A control device controls charging of a power storage device mounted on a vehicle from the external power supply. The control device includes an electronic control unit. The electronic control unit is configured to acquire information relating to an electric power fee for the charging in each time slot divided in advance and cause, when the time slot is switched such that the electric power fee becomes relatively low after the switching of the time slot compared to before the switching during the charging, the external power supply to charge the power storage device so as to apply the electric power fee that is relatively low in the time slot after the switching.

Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a storage device, for monitoring a property are disclosed. A monitoring system includes one or more processors and one or more computer storage media storing instructions that are operable, when executed by the one or more processors, to cause the one or more processors to perform operations comprising: obtaining sensor data from sensors at a property; determining, for a peril, a risk that the peril will occur at the property based on risk factors determined from the sensor data; selecting a particular risk factor from the risk factors based on the risk that the peril will occur at the property; and providing an indication of the particular risk factor.

Abstract: A trading platform adapted for pairs trading of unrelated securities from one or more asset classes using a single order approach is provided.

Abstract: A verification computing system for verifying operation of a payment terminal and a payment processing network linking the payment terminal to a payment processor is provided. The verification computing system includes at least one verification computing module including at least one processor. The verification computing module is programmed to receive a test request message corresponding to a test payment card transaction from the payment terminal, identify a void flag included in the test request message, and bypass a settlement process for the test payment card transaction based on the identified void flag. The verification computing module is further configured to determine an operating status of the payment terminal and the payment processing network, generate a test response message based upon the determination, and transmit the test response message to the payment terminal for notifying a user.

Abstract: Implementations of the present specification provide a method and an apparatus for transferring a resource in batches, applied to the following scenario: a resource transferor holds a first resource, a receiving target of a resource transferee is a second resource, and the first resource of the resource transferor cannot be transferred once in a resource transfer process. In the resource transfer process, a client corresponding to the resource transferor sends a resource transfer request to a conversion serving end. The conversion serving end feeds back a to-be-transferred share and a service identifier to the client. The client transfers a first share of the first resource by using an associated transfer platform based on the to-be-transferred share and the service identifier that are fed back. The associated transfer platform can send a transfer record of the first resource to the conversion serving end based on the service identifier.

Abstract: The systems may include receiving, by a processor, transaction information for a transaction, wherein the transaction information comprises a transaction amount; matching, by the processor, the transaction information with a transaction type; retrieving, by the processor, a plurality of possible charge types associated with the transaction type; comparing, by the processor, the transaction information with the plurality of possible charge types; separating, by the processor, the transaction amount of the transaction information into at least one individual charge amount; and/or identifying, by the processor, a charge type of the plurality of possible charge types associated with the at least one individual charge amount.

Abstract: A browser extension for facilitating a user of a mobile device obtaining an insurance rate quote for a vehicle (or other property, real or personal) from an insurance provider, wherein vehicle information identifying the vehicle is provided on a webpage. The browser extension searches the webpage for vehicle information identifying one or more vehicles. The user is prompted to select the vehicle(s) for which the insurance rate quote is desired from a list of the vehicles is found on the webpage. The browser extension passes the vehicle information for the selected vehicle to a program application. The program application obtains user information useful for generating the insurance rate quote. Based upon the vehicle information and the user information, the program application generates and displays for the user the insurance rate quote for the vehicle. Additionally, the user may be similarly offered a loan and/or an extended warranty for the vehicle.

Abstract: Computer-implemented methods are provided for receiving information corresponding to a transaction, wherein the information is received via a single processing of an instrument. A balance for the transaction is automatically determined based on a coverage plan associated with the information from the instrument and services associated with the transaction. Upon detecting selection of an account for the balance, an amount from the account is allocated for the balance and is provided to complete the transaction.

Abstract: A system and method for issuing an authorization token and performing real time multi-factor authentication using a unique device or devices to enable authorization to perform secure services for an online service based on desired on demand level of assurance. The level of assurance of the authentication may be on a distributed and dynamic authenticated system. This dynamic system delivers on-demand level of assurance depending on the Relying Party's (RP) requirements, orchestrated by policies set by the RP and/or the consumer (or user agent), and possibly augmented by other regulatory requirement based on a fine-grain control requirement of the authentication token(s). The level of assurance throttles up and down depending each transaction authentication requirement.

Abstract: A computer-implemented method for partitioning mobile device transactions may include generating a machine-readable indicia encoded with transaction data for a transaction between a merchant and at least one user; receiving a transaction request message comprising the transaction value and a split payment identifier; initiating a programmatic timer for a time interval in response to receiving the transaction request message from the first mobile device; receiving at least one additional transaction request message prior to expiration of the time interval; partitioning the transaction value between each of the first user account and the at least one other user account based at least partially on the transaction request message; and generating a separate authorization request message for each of the first user account and the at least one other user account, each authorization request message comprising a partial transaction value representing a portion of the transaction value.

Abstract: Systems and methods are provided for use in extending dialogue between a mobile device and a point-of-interaction. One exemplary computer-implemented method includes receiving, at a point-of-interaction (POI) computing device, an identifier for an interaction with a user where the identifier is specific to a card associated with an account of the user or to the user in general, and submitting, by the POI computing device, a request for the identifier to a registration database to determine whether the account is registered for one or more services. The method then includes, in response to the request, receiving an encrypted action (associated with a service), encoding, by the POI computing device, a receipt for the interaction, and transmitting, by the POI computing device, the encoded receipt and the encrypted action to a host server for initiating the encrypted action between the POI computing device and a mobile device associated with the user.

Abstract: The disclosed embodiments relate to communication of financial messages from an exchange to market participants whereby messages, or at least a portion of the content thereof, indicative of changes in the market, due to one or more trades between two or more market participants, are structured so as to reduce redundant data therein and prioritize the transmission of that portion of the message which summarizes the event and result thereof. Further, these event reporting messages may further consolidate, or otherwise be combined with, the corresponding directed reporting messages communicated to the particular market participants participating in the reported trade while preserving the anonymity of those market participants to which messages are particularly directed.

Abstract: Aspects of the disclosure relate to providing augmented reality user interfaces for ATM transactions. In some embodiments, a computing platform may receive presence information indicating that a mobile computing device is within a predetermined distance of a first ATM at a first location, authenticate a user of the mobile computing device to an online banking account, and generate a transaction-specific device identifier that uniquely identifies the first ATM at the first location. Thereafter, the computing platform may generate and send an augmented reality user interface to the mobile computing device, prompting the user to use the mobile computing device to capture the transaction-specific device identifier. Based on verifying that the user is authorized to perform a transaction at the first ATM, the computing platform may cause an NFC connection to be established between the mobile computing device and the first ATM, via which the transaction may be conducted.