Abstract: The disclosure details the implementation of an apparatus, method, and system for a macroeconomic equity investment design and trade system (the Wavefront system). The disclosure teaches a set of quantitative tools to help investors design trades around macro themes. Part of the approach is a linked set of models called Wavefronts, which describe how economic shocks ripple through the economy into company performance, market value and equity returns in the US market. In one embodiment, the modeling may be viewed as having in three parts. The first converts an economic shock into a comprehensive set of shifts in the economy. The second takes those economic shifts and drives them into company fundamentals. The third values those fundamentals based on what the market normally pays.

Abstract: Configuring a plurality of security isolated wallet containers on a single mobile device includes configuring at least one mobile transaction platform-specific application programming interface for facilitating access to secure mobile transaction platform resources by a wallet container executing on a mobile device; disposing a plurality of distinct wallet containers in a memory of the mobile device, wherein each wallet container interfaces with secure mobile transaction platform resources via the at least one application programming interface; disposing at least one service provider-specific wallet in each of the plurality of distinct wallet containers; and enforcing service-provider specific wallet security by a distinct wallet container accessing a portion of the secure mobile transaction platform resources via the at least one application programming interface.

Abstract: A computer-implemented method for applying payment services to a payment transaction over a first payment network using a payment services computer system hosted on a second payment network is provided. The method includes receiving a service request at the payment services computer system from a requestor. The service request has a first format that is readable by the second payment network. The method includes determining, at the payment services computer system, the payment services the service request is registered to receive. The method includes processing the service request by applying the registered payment services to the service request. The method includes generating, at the payment services computer system, a services response. The services response is generated based on the registered payment services and the payment transaction data. The method additionally includes transmitting the services response to at least one of the cardholder and the requestor.

Abstract: Systems, methods, and computer-readable media in accordance with various embodiments of the present invention facilitate storing and displaying, in a trending analysis graphical user interface, of data for each execution of the underlying metric data alongside the date for which the metric was run. As the metrics are run, calculations may also take into account user setup (role access) for the assets for which they have control to view. Additional run control parameters could be set, for example for managing reconciliation discrepancies, to control whether or not to include exceptions that have been ignored by the user.

Abstract: A payment routing and processing platform is configured to collect various attributes for use in identifying an optimal payment processor for a particular payment transaction message. For example, the payment routing and processing platform might identify business attributes, endpoint attributes, customer and transaction attributes, payment method attributes, system attributes, and/or other types of attributes. The payment routing and processing platform might then utilize some or all of the identified attributes to select an endpoint for processing a payment transaction message. The payment routing and processing platform might also utilize some or all of the identified attributes to identify and perform other types of processing of financial transactions. Machine learning techniques might also be utilized to improve the performance of the payment routing and processing platform.

Abstract: Deploying an issuer-specific widget to a wallet container on a client device is accomplished by configuring a widget to provide access to an issuer-specific service group of services that are accessible in a service tier of a multi-tier platform for providing secure transactions, determining service-provider specific resource access requirements for operating the widget, configuring a widget descriptor with the access requirements, and communicating with wallet container to ensure successful deployment of the configured widget that meets the access requirements in the widget descriptor.

Abstract: A system and method is provided for acquiring, collecting, comparing and evaluating the condition of rental property at several time periods during a lease or rental agreement. A deposit amount that is returned to a rentee or owed by the rentee is determined by a computer or individual based on a comparison of the documentation provided by the rentee and/or renter at the start of the rental period to the documentation that is provided the end of the rental period. The documentation provided by the rentee and renter is time-stamped and imprinted with geo-location information if it is available.

Abstract: As market conditions descend or ascend an axis of prices, the display of market information is repositioned, at a pre-determined rate if desired, around an item of interest. An item of interest may include the best bid price, the best ask price, the inside market, a moving average, a last traded price, a theoretical value, the result of an equation, or some other item of interest to the trader. According to the present embodiments, market information may be displayed in a region relative to an axis of prices, and when an event occurs, a repositioning signal is initialized causing the axis to be repositioned such that the item of interest is positioned at a pre-determined location in the region. The price axis can be repositioned at a fixed rate or at a dynamically variable rate.

Abstract: An enhanced system and method for executing options trades are disclosed. The order book and quote book are maintained separately to make quote and order processing more efficient, but the order book and quote book are integrated, as needed, to determine the marketability of incoming quotes and, where necessary, so that incoming quotes can execute against resting quotes or orders.

Abstract: The present invention is generally directed to securely receiving data input at a computing device without storing the data locally. The invention allows an application, such as a mobile app, to receive payment information (e.g. credit card information) directly from a user without requiring the application to comply with the PA DSS or another standard. The application can employ any type of user interface for receiving user input as well as one or more overlaid input fields that receive sensitive payment information. The overlaid input fields can be part of a web page or other interface that can securely submit data to a remote computer system (e.g. a server) where it can be stored, processed, or transmitted in accordance with the PCI DSS. In this way, the sensitive payment information (or another type of information) is not stored, processed, or transmitted by the application on the local device.

Abstract: Configuring a shareable widget interface to mobile wallet functions includes disposing a wallet module in a memory of a client device, and disposing a wallet companion applet in a secure element accessible by the client device, wherein the wallet companion applet facilitates access by at least one other applet and at least one wallet module to content that is stored in the secure element via a mobile wallet function sharable interface.

Abstract: Configuring a plurality of security isolated wallet containers on a single mobile device includes configuring at least one mobile transaction platform-specific application programming interface for facilitating access to secure mobile transaction platform resources by a wallet container executing on a mobile device; disposing a plurality of distinct wallet containers in a memory of the mobile device, wherein each wallet container interfaces with secure mobile transaction platform resources via the at least one application programming interface; disposing at least one service provider-specific wallet in each of the plurality of distinct wallet containers; and enforcing service-provider specific wallet security by a distinct wallet container accessing a portion of the secure mobile transaction platform resources via the at least one application programming interface.

Abstract: As market conditions descend or ascend an axis of prices, the display of market information is repositioned, at a pre-determined rate if desired, around an item of interest. An item of interest may include the best bid price, the best ask price, the inside market, a moving average, a last traded price, a theoretical value, the result of an equation, or some other item of interest to the trader. According to the present embodiments, market information may be displayed in a region relative to an axis of prices, and when an event occurs, a repositioning signal is initialized causing the axis to be repositioned such that the item of interest is positioned at a pre-determined location in the region. The price axis can be repositioned at a fixed rate or at a dynamically variable rate.

Abstract: According to one embodiment, a method of managing trading is provided. A first offer for a particular instrument in a particular market is received from a first market maker at a first offer price. A first bid for the same particular instrument in the same particular market is received from a second market maker at a first bid price, the first bid price being higher than or equal to the first offer price. As a result of the first bid price being higher than or equal to the first offer price, the first offer price is automatically increased to a price higher than the first bid price such that a trade is not executed between the first offer and the first bid. In some embodiments, such method may be used to protect market makers from unwanted trades caused by inherent latency in the market makers' pricing engines and/or networks.

Abstract: A system and method for calculating and applying insurance costs. For vehicle insurance under one embodiment of the present invention, insurance costs are calculated on a per-mile basis in a nonlinear fashion, assigning different levels of risk based upon the distance driven by a customer. In one embodiment of the present invention, the first miles or kilometers driven by a customer are assigned a greater level of risk than later-driven miles or kilometers. The present invention provides an actuarial method that more closely conforms the cost of insurance for a particular vehicle to its annual mileage by creating a Rate Per Mile Factor (RMF), where the RMF is expressed as a function of annual mileage.

Abstract: In electronic trading venues, there may be orders for which the full information is not publicly displayed. For example, the full quantity of an order available for trading or the most aggressive price at which an order can be traded may not be made public. A system and method are disclosed that facilitates trading based on this non-public information. A first order associated with a financial instrument is placed at a venue to probe for non-public information related to the financial instrument. The results of the probe may then be used to place a second order at the venue that takes advantage of any discovered non-public information.

Abstract: The present invention includes a method and system for trading goods and services through recurring auctions. Recurring auctions are increasingly popular form of markets for perishable and time-sensitive resources. Traditional auctions strive to motivate bidders to bid their true valuation of the resources traded. Yet, when successful, they also quickly divide the recurring auction bidders into permanent winners and permanent losers. The latter have no incentive to stay in the market, so they leave, decreasing the competitive pressure and depressing pricing. The present invention introduces a novel winner selection method to maintain customers' interest in auction participation that employs participant retention mechanism in assigning traded resources to bidders. The winners are selected from a wider range of bidder ranks than in traditional auction mechanisms.

Abstract: A number of memory spaces are defined for a memory structure. Transaction data is received, and financial transactions are scored based on the transaction data to generate a batch of scores for the financial transactions. A score range is divided into k bins, each of the k bins representing one memory space of the memory spaces of the memory structure. The batch of scores are aggregated by storing a count of each score in a memory space, and a percentile is computed for each score in the batch of scores based on a set of values associated with each score. Each new financial transaction is scored to generate a new score, and a new percentile is assigned to the new score according to the set of values. The new percentile is then translated to a calibration score with fixed percentile characteristics according to a fixed reference curve.

Abstract: System and method of visual representation of stock exchange transactions which provide additional information for traders when it comes to taking buy/sell decisions for stocks, being oriented towards electronic stock exchange transactions. Specifically, the present invention is aimed at tools for trading of products that can be traded in terms of quantities and/or prices. The method is based on labeling each transaction with a label selected from between initiated buy transaction, when the execution price is equal to or greater than the sell limit price registered in the first sell level of the order book, and initiated sell transaction, when the execution price is equal to or lower than the buy limit price registered in the first buy level of the order book.

Abstract: Methods, systems, and apparatus, including computer program products, in which one or more webpages are identified based on one or more signals associated with an advertisement, a content of each of the webpages, and a property associated with the advertisement, and a performance measure is determined for the advertisement for each of the webpages. An auction score is calculated for the advertisement for each of the webpages based on the performance measure and a bid associated with the advertisement.