Abstract: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction and a funding source engine for providing options to fund the payment. The disclosed embodiments may also provide a payee identity engine for identifying the intended payee receiving the payment and a routing option engine for providing options to route the payment. The embodiments may also provide a messaging engine for providing channels for related parties to the personal payment transaction to communicate.

Abstract: Systems and methods of trading items on an electronic trading system according to the invention are provided. The embodiments of the invention are based at least in part on a new order type. The new order type is an only at best order type, whereby trades are preferably only executed at the best price the item is being bought or sold.

Abstract: A system and method of authenticating a payment transaction between a merchant and a customer in an electronic payment system are described. Transaction details presented by the merchant are received at a mobile electronic device, the customer is authenticated by means of an authentication token presented by the customer at an authentication terminal, and the geo-location of the mobile electronic device and the authentication terminal are compared to verify that the device and terminal are within a predefined geographical distance at the time the payment transaction is processed.

Abstract: The invention provides systems and methods relating to generating a unified determination based on subdetermination, and in particular, generating a unified score based on respective scores. For example, the invention provides a method for generating a unified determination based on subdeterminations, the method including generating a first subdetermination based on first criteria; generating a second subdetermination based on second criteria; and generating a unified determination based on the first subdetermination and the second subdetermination.

Abstract: A system and method are provided for managing electronic disbursements transferred from a business client of a financial institution to customers of the business client. The system includes a disbursement instruction processor receiving a disbursement instruction over a network from a business client system, the disbursement instruction processor processing the instruction and performing multiple steps. The steps include using a customer identifier to determine available payment channels for the customer and selecting an electronic payment channel when available payment channels include an electronic payment channel. An electronic disbursement notification is forwarded to the customer. A confirmation may be provided upon acceptance of the disbursement through the disbursement notification.

Abstract: A user device may request an account type identifier that identifies an account type associated with the user device. The user device may receive the account type identifier based on requesting the account type identifier. The user device may compare the account type identifier and a set of account type identifiers corresponding to a set of user device configurations to be enabled or disabled by the user device based on the account type identifier. The user device may enable a first subset of user device configurations, included in the set of user device configurations that are associated with the account type identifier. The user device may disable a second subset of user device configurations, included in the set of user device configurations that are not associated with the account type identifier.

Abstract: Methods and computerized exchange systems 100 for processing trade orders are disclosed. In the computerized exchange system 100, a sequencer 130 is configured to sequence incoming order entry messages for thereby putting incoming order entry messages in a sequenced order and to send, from the sequencer, order entry message(s) in a sequenced order to a plurality of order book engines 120a-c. Upon receipt of the sequenced order entry message(s) in the various order book engines 120-c, the plurality of order book engines process the sequenced order entry message(s) substantially in parallel. Various embodiments of the disclosed methods and computerized exchange systems allow for better performance, e.g. in terms of lower latency.

Abstract: Systems and methods provide software-based contactless payments. According to various embodiments, a system for software-based contactless payment includes a token manager that generates a token and provides the token to a mobile device of a customer for use with a transaction, a communication interface that receives the token in association with a transaction, and a processor that processes the token using to determine whether to authorize the transaction.

Abstract: Payment information and user input to serve as authorization to perform a transaction using the payment information can be obtained from a remote user having a client computing device. A merchant can send a request for payment information and authorization over a network to any device having a browser and touch screen or other means for receiving user input. A user interface having overlaid fields can be used to receive the payment information in a secure manner that prevents the payment information from being stored on the client computing device. An input area can also be displayed within the browser on the user's device. When the user inputs a signature (or other authorization information) into the input area, the signature can be routed over a network back to the merchant to provide authorization for a transaction.

Abstract: A platform for performing secure personalized transactions in a multi-domain ecosystem includes a personalization tier that enables service provider personalization for one or more ecosystem elements stored on a mobile device. Further, the platform includes an enabling tier for facilitating interoperation between the personalization tier and a client device. The platform further includes a service tier that may be operating independently of the enabling tier and may enable service delivery for a plurality of services.

Abstract: Power supply systems capable of performing various modes of fee-charging are provided. A fee-charging apparatus memorizes two or more kinds of power-use-side identification information of a use side using the power supplied via the power-supply control apparatus, two or more kinds of power-supply-side identification information of a supply side supplying the power via the power-supply control apparatus, and fee-charge-target information predetermined to each of combination sets between the two or more kinds of power-use-side identification information and the two or more kinds of power-supply-side identification information.

Abstract: Methods, systems, and computer readable media for integrating payments are disclosed. An exemplary method includes a payment integrator device including at least one processor for receiving instructions to connect to a plurality of privately hosted servers associated with a plurality of different third-party providers and receiving, from the plurality of privately hosted servers, billing information associated with a plurality of different accounts. The method further includes, at the payment integrator, prompting a user to select a payment type for use in paying a first bill associated with a first account of the plurality of different accounts and sending a first payment to the first account according to the first payment type.

Abstract: Systems and methods for depositing monetary funds into an account are described. A first request from a first individual to deposit monetary funds into an account associated with an entity may be received. The first individual is not an account owner of the account. Monetary funds from the first individual may be received for deposit in the account. The monetary funds may include cash, checks, credit card transfers, and/or debit card transfers. The receipt of the first request may be receipt of a paper ticket with an access code authorizing deposit of monetary funds into the account. One or more restrictions may be reviewed to authorize the deposit of monetary funds in the account.

Abstract: The methods and systems described herein can identify meaningful relationships between actual positions within a portfolio of investments, as well as relationships to externalities. Based on the understanding that relationships between positions are not fixed over periods of time but can vary depending on recent external events, the methods and systems described herein can achieve a portfolio of investments that are least related to other investments within the portfolio (e.g., a diverse portfolio) and, if desired, least related to the overall market (e.g., a market neutral portfolio). The methods and systems described herein can filter performance data to evaluate and manage risk across a dynamic portfolio that includes numerous primary instruments and hedge instruments. The methods and systems described herein can also provide a diagnostic tool to monitor both risk and diversification (including relationships) by determining the actual amount of profit and loss and a diversity score for each investment.

Abstract: A method and system for the determination of optimal pricing and allocation of securities in an open, competitive environment. The method and system may also be used in developing pre-markets of other items that are difficult to price and allocate in a competitive manner, such as the underwriting/securitization of contracts for property; future revenue/earning streams from an asset and/or group of assets; underwritten insurance portfolios, intellectual property and other goods and services. The system of price optimization and allocation is accomplished by interactive feedback of information using a display and including competitive participation of individual members of the public (and/or their agents) or institutional buyers over a data network e.g., the Internet, uncovering the nature and identification of demand in a self-organizing fashion. Demand emerges through participants' interaction with the system and with each other, via a graphically-supported, interactive reservation process.

Abstract: A method, system and software for managing data services provided by a data services providing entity to a data services customer. The method involves: (i) decrementing relative value units (RVUs) from a data services customer's pre-paid account corresponding to the erroneous use of the data services made by the data services customer; (ii) receiving, from the data services customer, a request for a return of the RVUs decremented at the decrementing step; and (iii) returning the RVUs on condition that the request has been determined to be appropriate. At least the returning step is performed automatically under the control of software provided by the data services providing entity and substantially without human intervention by any human representatives of the data services providing entity.

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: A disbursement module (DM) computer device is provided for processing an electronic disbursement. The DM computer device includes a memory device and a processor. The processor is programmed to register a payor with a disbursement service provided by the DM computer device and to receive a disbursement command from the payor. The disbursement command instructs a disbursement to be made to a payee and includes payee contact information, payee verification data, and a disbursement amount. The processor is further programmed to receive a disbursement request message that includes a payee identifier from the payee requesting that the disbursement be made, and to verify the payee by matching the payee identifier to the payee verification data. The processor is further programmed to electronically transfer funds from a bank account associated with the payor to a bank account associated with the payee.

Abstract: In a platform comprising a service tier, an enabling tier, and a personalization tier, applying an expert engine to analyze one or more mobile device user and transaction environment requirements and configuring one or more platform features in accordance with the analysis.

Abstract: A method and system for the determination of optimal pricing and allocation of securities in an open, competitive environment. The method and system may also be used in developing pre-markets of other items that are difficult to price and allocate in a competitive manner, such as the underwriting/securitization of contracts for property; future revenue/earning streams from an asset and/or group of assets; underwritten insurance portfolios, intellectual property and other goods and services. The system of price optimization and allocation is accomplished by interactive feedback of information using a display and including competitive participation of individual members of the public (and/or their agents) or institutional buyers over a data network e.g., the Internet, uncovering the nature and identification of demand in a self-organizing fashion. Demand emerges through participants' interaction with the system and with each other, via a graphically-supported, interactive reservation process.