Abstract: Logic may detect fraudulent transactions. Logic may determine, by a neural network based on the data about a transaction, a deviation of the transaction from a range of purchases predicted for the customer, wherein the neural network is pretrained to predict purchases by the customer based on a purchase history of the customer. Logic may compare the deviation of the transaction from purchases predicted by the customer against a deviation threshold to determine whether the transaction is within the range of purchases predicted by the neural network. Logic may generate a notification in response to a determination that the deviation of the transaction from the range of purchases predicted exceeds a deviation threshold, the notification to identify the transaction as a potentially fraudulent transaction. Logic may train the neural network based on the transaction in response to a determination that transaction is not a fraudulent transaction.

Abstract: A computer-implemented method is used for: exchanging a first portion of digital currency tokens with an investor for a first fiat currency; designating a second portion of the digital currency tokens as a reserve; determining that a funding period is over and a minimum funding requirement is met; determining a value of the digital currency tokens; receiving an insurance premium from an insurance policy holder; transferring a risk pool premium to an insurance policy risk pool; exchanging an amount of the risk pool premium for risk pool tokens; receiving an approved policy claim associated with an insurance policy; transferring a second amount of the risk pool premium to the insurance policy holder; exchange an amount of risk pool tokens for an amount of a third fiat currency of equal value.

Abstract: The present disclosure generally relates to transaction user interfaces. In some examples, a user is notified if there is an error with transaction parameters and the device determines whether potentially compatible transaction parameters are available on the electronic device. In some examples, the user is notified if there is an error with transaction parameters and the user is prompted to use another device to enter new transaction information.

Abstract: A number of techniques for improving electronic trading are disclosed. According to some embodiments, an electronic trading system may selectively disclose to, or withhold from, trade participants order book data depending on whether each participant's trade order meets a predetermined threshold price and/or threshold size or other criteria.

Abstract: A chat bot can be coupled with a chat session, the chat session being hosted by a chat service to facilitate communication between chat application instances. The chat bot can simulate one of the plurality of chat application instances. A first chat text can be accessed via the chat bot, the first chat text provided via the chat session by a first chat application instance. A financial transaction can be determined from the first chat text. In response to determining that the financial transaction can be performed, a second chat text can be transmitted, via the chat bot, to the chat session. The second chat text can indicate to the first chat application instance that the financial transaction will be performed after expiration of a time-out period. In response to the expiration of the time-out period, the financial transaction can be performed.

Abstract: Systems and methods are disclosed for making disbursements to one or more consumers via a hosted disbursement system. In accordance with an embodiment, a method can comprise receiving, at a merchant service provider, a request to make a disbursement to a consumer from a merchant. The request can be received from a merchant server and include disbursement information corresponding to the disbursement. The method can further comprise receiving, at the merchant service provider, a selection of a distribution option from the user, which corresponds to a type of account to receive the disbursement. The method can further comprise receiving, at the merchant service provider, account information from the consumer. The account information is sent to the merchant service provider from a user device, bypassing the merchant server. The method can further comprise processing the disbursement using the account information to transfer funds corresponding to the disbursement to the consumer.

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 method comprising receiving a purchase action from a first user device associated with a user, creating and storing a first cookie associated with the purchase action. The method includes receiving, from a second user device, a request for cookie data related to products viewed on a platform other than the second user device, and identifying the first cookie in response to the request for cookie data. The method includes determining a platform type of the second user device, and generating a second cookie compliant with the platform type of the second user device. The method includes sending the generated second cookie to the second user device.

Abstract: The technology relates to a method for creating a payment data structure called a payment container. The technology also relates to the use of such a payment container by means of a processing server. The method for creating is implemented by a communications terminal, and comprises: selection, by a user and via a man-machine interface, of at least one attribute of said container, comprising the selection of at least one attribute value for at least one of the following parameters: (a) category of beneficiary of the payment container and (b) beneficiary of the payment container. The method also comprises obtaining, by the communications terminal, of at least one piece of data representing a user's bank card; validation, by the user, of the creation of the payment container; and transmission, by said communications terminal, of said payment container to a payment container processing server.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for associating payment information from a payment transaction with a user account. One of the methods includes receiving an indication of a payment transaction between a customer and a merchant, wherein the payment transaction is associated with payment information. A customer parameter that identifies an account with the payment service system is received. If the customer has consented to associate the payment information with the account of the payment service system based on receiving the customer parameter that identifies the account with the payment service system, the account is identified based on the received customer parameter, and the payment information is associated with the identified account of the payment service system.

Abstract: A system and method that allows a user to interactively and iteratively create, manage, customize and price optimized annuity product composition is described.

Abstract: A payment chat bot can access a first chat text provided in a chat session by a merchant chat bot. The chat session is hosted by a chat service for communication between a plurality of chat application instances, where the payment and merchant chat bots simulate chat application instances. The method includes determining, based on the first chat text, whether to couple a payment session between a payment server and a merchant server for processing a payment transaction initiated from a chat application instance via the chat session. The method includes, in response to a determination to couple the payment session, coupling the payment session between the payment server and the merchant server.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving a vehicle identifier (VID), the VID uniquely identifying a vehicle of a user, receiving a response that indicates the user and that provides user information associated with the user, the user information including one or more of behavioral information and disbursement information, and at least partially performing an operation based on the user information.

Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real time relative to when the funds transfer information is initially received.

Abstract: Methods and apparatuses for generating and operating a swaps execution facility (SEP) compliant swaps trading platform. A swaps trading platform is generated, 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. One or more communication channels are established with respective one or more clearinghouses for transmission of clearinghouse information concerning one or more trade requests. One or more communication channels are established with respective one or more swaps data repository (SDR) providers for transmission of SDR information concerning the one or more trade requests.

Abstract: A method for providing user content may obtain multiple fields. The method may generate, by a user content flow driver, a priority field list for an application workflow. The method may sort the fields based on the priority field list to obtain sorted fields. The method may select a next field from the sorted fields to obtain a selected next field. The method may generate content based on the selected next field. The method may transmit, to a user experience player, the generated content.

Abstract: A system for causing a dynamic interface adjustment includes a user device. The user device includes an active financial interface associated with a financial institution. The system further includes a computer system communicatively coupled to the user device. The computer system is configured to receive, via the user device, a sensory input associated with a customer of the financial institution, determine a sensory impairment associated with the customer based on the sensory input, and cause a dynamic interface adjustment of the active financial interface in response to the determination of the sensory impairment.

Abstract: A computer program, a system, and a method facilitate transactions of taxpayer-specific items of information between taxpayers and third parties in a virtual venue. A set of taxpayer information related, at least in part, to a filed tax return of the taxpayer is received. The set of taxpayer information is filtered to obtain a marketable information set, which in turn includes taxpayer-specific items. A third-party value is obtained for each taxpayer-specific item, and the taxpayer is presented a sale value for each taxpayer-specific item. The taxpayer is presented an option to select at least one taxpayer-specific item to be sold in the virtual venue and an option for the taxpayer to select at least one third party to which to sell said at least one taxpayer-specific item. Upon the selection of the options by the taxpayer, the transaction is then processed and completed.

Abstract: Systems and methods for generating realtime quotes using machine learning algorithms are provided. The system includes 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, and identifying one or more attributes of the vehicle. The operations also include: based on the identified attributes, determining a make and a model of the vehicle, obtaining comparison information based at least in part on the determined make and model, estimating and transmitting a quote for the vehicle for display on the client device, based on the comparison information.

Abstract: A system for operating a payment network with a blockchain-based ledger may prepare a request to complete a transaction from an account associated with a payer digital wallet for entry on the blockchain. The request may include an amount and payee address associated with a payee digital wallet. The system may also send the request to the blockchain using a blockchain interface. The system may approve or decline the request. The system may further adjust a balance of the payer a balance of the payee to reflect approval of the request. The adjustment may include writing the transaction to the blockchain.