Abstract: Techniques are disclosed relating to determining a risk score for domains associated with a transaction. In some embodiments, a transaction computer system receives transaction details for a transaction between a consumer and a merchant, where the transaction details are received from the merchant real-time with the transaction and include a set of transaction URLs for subsequent use in the transaction. The computer system may receive, from a browser of the consumer that is used to initiate the transaction, URL referrer information real-time with the transaction, where the URL referrer information indicates a referring web page to the transaction computer system. The computer system may determine, using the set of transaction URLs and the URL referrer information, a set of domains for the transaction and then determine a risk score for the set of domains. The computer system may determine, based on the risk score, whether to allow the transaction.

Abstract: Methods, systems and computer-readable storage media are provided for controlling operation of a trading algorithm based on operating condition rules. Certain embodiments provide a method including determining, using a computing device, an approval of use of a trading algorithm by monitoring for an occurrence of an operating condition defined in an operating condition rule. The example method includes determining if the trading algorithm complies with the operating condition rule during the occurrence of the operating condition. The example method includes sending, using the computing device, a notification to a trading instrument to approve or not approve the use of the trading algorithm. The trading algorithm is to be used to implement a trading strategy.

Abstract: A credit card recommendation system for recommending credit cards to a user can be based on the consumer's estimated monthly spend, estimated spend across a plurality of categories, and user credit data. The credit card recommendation system can filter credit cards based on a likelihood of approval for the user. The credit card recommendation can determine a reward valuation and an adjustment valuation by assessing user spend and the characteristics corresponding to the credit card. The credit card recommendation can train a model to score credit cards for users, and apply specific user data to the model to determine a credit card score particular to the user.

Abstract: A process includes receiving a check deposit and a withdrawal request associated with an account of a customer, the account associated with a first amount, the check deposit includes a second amount greater than the first amount, and the withdrawal request includes a third amount greater than the first amount. The process further includes forwarding, via an account verification system, an inquiry message regarding the check deposit to a paying computing system, the inquiry message including an identifier of the paying computing system, the inquiry message forwarded prior to settlement of the check deposit. The process further includes determining real time account status information of the account of the payor, and authorizing in real time relative to when the real time account status is accessed.

Abstract: The present disclosure provides systems and methods for computerized methods and systems for processing transaction disputes and processing transactions associated with compromised accounts. According to one exemplary method, a server receives, from a user device, an instruction for disputing a transaction associated with a user account. The server can initiate, based on a record of the transaction, a dispute investigation, and issue provisional credit to the user account for the transaction. Based on a transaction history associated with the user account, the server can determine a plurality of expected transactions associated with the user account and cause the determined expected transactions to be displayed on the user device. After receiving a transaction authorization for at least one of the plurality of expected transactions, the server can process payments for the at least one of the plurality of expected transactions, and generate a notification indicating a status of the dispute investigation.

Abstract: A method may include receiving financial information regarding a user; categorizing transaction information of the user based on the financial information; causing display of the categorized transaction information; receiving information regarding at least one financial preference and transaction preference of the user; determining using a trained machine learning model activities available to the user; calculating, for each of the one or more activities available to the user, an estimated influence on the at least one financial preference, causing display of the estimated influence on the at least one financial preference based on a user selected one of the one or more activities available to the user; filtering the one or more activities available to the user with a positive estimated influence to the at least one financial preference; and causing display of a recommendation of action relating to the one of the one or more activities available to the user.

Abstract: The disclosed embodiments relate to ensuring that a selected value, selected, for example, via interaction with a graphic user interface, of a dynamically changing parameter, such as a price, is used when generating an electronic data transaction request message in a data transaction processing system, such as an electronic trading system. The data transaction processing system being a system in which data items, such as financial contracts, e.g., futures contracts, are transacted or otherwise traded by a hardware matching processor that attempts to match electronic data transaction request messages with electronic data transaction request messages counter thereto for the same one of the data items based on multiple transaction parameters. A selected value is temporarily buffered allowing the represented value to update wherein a subsequently generated transaction may be based on the buffered value rather than an updated value.

Abstract: A method includes receiving a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment. The method further includes determining that the card identifiers fails to satisfy at least one card activity criteria. Additionally, method includes subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier. The method also includes based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request.

Abstract: The present disclosure relates to systems and methods for generating real-time quotes using machine learning algorithms. The system may include a processor in communication with a client device, and a storage medium storing instructions that, when executed, cause the processor to perform operations including: receiving an image of a vehicle from the client device, extracting one or more features from the image, based on the extracted features and using a machine learning algorithm, identifying one or more attributes of the vehicle, based on the identified attributes of the vehicle, determining a make and a model of the vehicle, obtaining comparison information based at least in part on the determined make and model, estimating a quote for the vehicle based on the comparison information; and transmitting the estimated quote for display on the client device.

Abstract: In various embodiments, methods and apparatuses for generating and operating a swaps execution facility (SEP) compliant swaps trading platform comprises (i) generating a swaps trading platform, where the generated swaps trading platform is configured to operate in accordance with a plurality of predefined rules associated with swaps execution facility (SEP) requirements; (ii) establishing one or more communication channels with respective one or more clearinghouses for transmission of clearinghouse information concerning one or more trade requests; and (iii) establishing one or more communication channels with respective one or more swaps data repository (SDR) providers for transmission of SDR information concerning the one or more trade requests.

Abstract: In various embodiments, the mobile device includes an NFC tag for near-field communication. The NFC tag includes a first storage device and a second storage device. Personal data is stored on the first storage device, which is not accessible by an NFC reader device. Prior to a transaction, a controller detects electromagnetic energy from a reader devices and transmits the personal data from the first storage device to the second storage device, where the personal data is readable or accessible by the reader device.

Abstract: In various embodiments, methods and apparatuses for generating and operating a swaps execution facility (SEP) compliant swaps trading platform comprises (i) generating a swaps trading platform, where the generated swaps trading platform is configured to operate in accordance with a plurality of predefined rules associated with swaps execution facility (SEP) requirements; (ii) establishing one or more communication channels with respective one or more clearinghouses for transmission of clearinghouse information concerning one or more trade requests; and (iii) establishing one or more communication channels with respective one or more swaps data repository (SDR) providers for transmission of SDR information concerning the one or more trade requests.

Abstract: A computer method for creating optionality of price basis in a commodity contract includes establishing a smart contract for a transfer of a commodity using a distributed ledger and graphical user interface (GUI). The smart contract includes a variable price with a provision for a future determination of a price basis. The computer method includes receiving agreement on the smart contract between a seller and a counterparty, receiving a deposit on a total price from the counterparty, transferring at least a portion of the deposit to the seller, and transferring a token representing the smart contract to the counterparty. The computer method includes, at a future date, receiving a selection of the price basis for the smart contract from one of the counterparty or the seller, and notifying the other of the seller or the counterparty of the selected price basis and a resultant settlement price.

Abstract: A computer-implemented method for determining a level of confidence that a payment transaction is not fraudulent is provided. The method is implemented using an assurance exchange (AE) computer device in communication with a memory. The method includes receiving authentication data associated with a candidate payment transaction being conducted by a cardholder via a website associated with a merchant from the merchant, storing the authentication data, receiving an authorization request message for the candidate payment transaction from a payment processor, retrieving the authentication data for the candidate payment transaction based on the authorization request message, and calculating an assurance level score based on the authentication data and the authorization request message. The assurance level score represents a level of confidence that the candidate payment transaction is not fraudulent.

Abstract: Disclosed is a virtual currency transaction system. The virtual currency transaction system according to an embodiment of the inventive concept includes a virtual currency integration exchange server receiving buying request information and selling request information of virtual currency, matching the buying request information and the selling request information, which are suitable for a transaction condition, based on asking price information to make a transaction of virtual currency, and recording transaction conclusion information for each virtual currency transaction and a broker member server transmitting buying request information and selling request information, which are transmitted from a user terminal, to the virtual currency integration exchange server and receiving the asking price information and the transaction conclusion information from the virtual currency integration exchange server to provide the asking price information and the transaction conclusion information to the user terminal.

Abstract: A system, method, and computer program product for providing personalized coordinated shopping among multiple participants in a network marketplace. Social group interactions are extended to shopping, to enhance the scope and efficiency of commerce. A shopping group comprising selected members of a social group includes an authorized purchaser and a number of shoppers who are not authorized to make purchases. A non-authorized purchaser selects desired items and sends a purchase approval request to the authorized purchaser, including a personalized video message describing and supporting the request. The personalized video message is sent to the authorized purchaser by communication means selected according to determined current availability, including via review of a social calendar. The authorized purchaser may approve, decline, or request further information from the requester, upon reviewing the purchase request.

Abstract: A computer-implemented method, device, and system for communicating an impact of a financial decision or an investment strategy to a user through the use of virtual reality are provided. Providing a context for figuratively ‘seeing and feeling’ the results for a proposed financial strategy may assist the user in better understanding the impact of the financial strategy. Information provided in this context may educate the user with regards to the amount of income or savings required to achieve a goal over a time period. A goal for a user may be displayed as an image in a virtual reality scene based on gathered user information. The image representing the goal may be displayed according to a percent of clarity based on the financial amount needed to achieve the goal. The image may be changed based on the amount over a perceived virtual reality time period.

Abstract: A device may process information associated with a first set of users with benefit accounts to determine a first subset of users that have a likelihood of donating and may identify a donor user with a benefit account having a credit balance from among the first subset of users. The device may process information associated with a second set of users with accounts having debit balances to determine a second subset of users that have a likelihood of not paying off the debit balances and may identify a recipient user with an account having a debit balance from among the second subset of users. The device may receive authorization to use a portion of the credit balance of the donor user to reduce the debit balance of the recipient user and may perform an action to facilitate use of the portion of the credit balance to reduce the debit balance.

Abstract: In a method of validating a customer in an electronic transaction, an electronic interface of a vendor requests a first set of personal information to validate a customer. The first set of personal information is requested as a portion of a transaction between the electronic interface and a customer device used by the customer. Responsive to the customer's authorization, the electronic interface receives from the customer device an encrypted token which includes a second set of personal information which identifies the customer and encompasses at least a portion of the first set of personal information. The encrypted token is provided to the customer device from a third-party via an application on the customer device and is configured with the second set of personal information prior to the transaction. The electronic interface completes the transaction using the second set of personal information decrypted from the encrypted token to validate the customer.

Abstract: Various embodiments herein each include at least one of systems, devices, methods, and software for automated session closing upon location-sensed departure. Some such embodiments may be implemented at retail outlets (e.g., restaurants, salons, stores, etc.) to automatically charge a customer account for ordered items upon an automated detection of a customer retail outlet departure. One embodiment, in the form of a method performed on a server-based system, includes receiving, via a network from a mobile device associated with a customer account, first data indicating the mobile device has departed a retail outlet. The method then generates, from stored retail session data, a final bill including an amount payable and then charges an amount payable from the final bill to a payment account associated with the customer account.