Abstract: Systems and methods are provided for blocking charges from a merchant to a payment account of a user. An exemplary system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform various operations. The operations may include receiving, from the user, a dispute request to dispute a charge to the payment account applied by the merchant. In response to the dispute request, the operations may include determining whether to block subsequent charges applied by the merchant to the payment account, based on a history of charging activities of the merchant. Responsive to a determination to block subsequent charges, the operations may include adding the merchant to a block-charge list associated with the payment account.

Abstract: Commission mappings for a content producer party are generated based on tracked interactions with distributed content by content consumer computers operated by a content consumer party. The distributed content originates from content producer computers operated by the content producer party. The tracked interactions are indicative of engagement with the distributed content by the content consumer computers. The commission mappings are transformed into an aggregated commission mapping for the content consumer party and the content producer party by correlating the commission mappings to the content consumer party and the content producer party and by processing correlated tracked interactions of the commission mappings into a quantified engagement of the content consumer party with the distributed content produced by the content producer party. The aggregated commission mapping is sent via a computer network to one or more computers operated by the content consumer party or the content producer party.

Abstract: A merchant system structures communications among merchants, partners, and customers. The merchant system may include a messaging component that organizes messages so that a manager can quickly navigate and understand the content of incoming messages. The messaging system also may categorize a user's profile so that a user may share profile information established at a first merchant with a second merchant.

Abstract: Apparatuses, systems, methods, and program products are disclosed. An apparatus includes a processor and a memory that stores code executable by the processor to generate a first graphical representation of a total budget based on an amount of the total budget and an expense amount of the total budget amount, generate one or more second graphical representations of categories of sub-budgets of the total budget amount based on an amount of the total budget for the category and an expense amount of the total budget amount for the category, and graphically present, on a display, the first graphical representation and the one or more second graphical representations adjacent to the first graphical representation such that the first graphical representation and the one or more second graphical representations are dynamically sized relative to one another based on the total budget amounts for each graphical representation and a size of the display.

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: This disclosure relates to systems and methods of risk detection in an electronic network. The method may include receiving a first portion of session context information for an interaction of an individual over a limited bandwidth network, the first portion including a session identifier for the interaction. The method may include retrieving a second portion of session context information for the interaction over a cloud data pipe using the session identifier, in response to receiving the first portion. The method may include accessing, a data structure representing connected knowledge of the individual. The method may include receiving, via a distributed system, security reputation data including aggregated information from a plurality of members. The method may include analyzing the session context information using the security reputation. The method may include generating a security risk score for the interaction based on the session context information, data structure, and the security reputation data.

Abstract: Methods, systems, computer program products, and apparatus relating to an item inventory and item replacement are provided. In one embodiment a method for automatic processing of an insurance claim is provided. The method comprises (a) receiving one or more item indicators, each item indicator associated with an item in an insurance claim for an insured party; (b) for a particular item indicator of the one or more item indicators, automatically identifying an item listing associated with the particular item indicator from an item inventory, the item listing identified based at least in part on the particular item indicator; and (c) indicating the item listing as a replacement item for the particular item. Indicating the item listing as a replacement item for the particular item comprises adding the item listing to an electronic shopping cart.

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: 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 disclosure provides an intra-day balancing of a fund index. The disclosure includes retrieving the value of an underlying index at a first balancing point from a trading tape at a point in time that is close, in time, to the balancing point and determining the value of the underlying index at a second balancing point. If the value of the underlying index increased between the first balancing point and the second balancing point, then the method increases an exposure to the underlying index. If the value of the underlying index decreased between the first balancing point and the second balancing point, then the method decreases the exposure of the intra-day index to the underlying index. The method may then compare the current trading volatility of the underlying index to a historic trading volatility. If the current trading volatility is greater than the historic trading volatility, then the method may decrease the leverage of the intra-day index with respect to the underlying index.

Abstract: Increasingly, individuals use online social network platforms (also referred to as Internet-based social networks) to access a variety of information and content, such as articles on various topics, updates related to a user and individuals within the user's network, friend suggestions, advertisements, news stories, and the like. Among other things, embodiments of the present disclosure can be used to help identify users of a social network based on various information.

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: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.

Abstract: An automated machine 1 is provided to comprise a communications device 5 for receiving remotely operable signals emitted from a mobile terminal 10 to produce monetary signals corresponding to money amount data in the remotely operable signals, a bill acceptor 4 for validating bills inserted from the outside to produce the monetary signals when bill acceptor 4 judges the inserted bill to be genuine and for relaying the monetary signals from communications device 5, a control device 8 that has built-in program software to produce drive signals of the amount corresponding to the monetary signals in accordance with the program software when control device 8 receives the monetary signals from bill acceptor 4. In another aspect, communications device 5 may receive the remotely operable signals emitted from mobile terminal 10 to produce the monetary signals corresponding to the money amount data in the remotely operable signals and receive the monetary signals from bill acceptor 4 and send them to control device 8.

Abstract: Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based payment system may be configured to receive payment information from a first device. The first device may include circuitry configured to wirelessly receive wallet identifying data from the payment system. The wallet identifying data may be used to secure messages between the first device and another device over a wireless link. For example, the first device may be configured to send the wallet identifying data to a second device, which may then communicate with the payment system. In response, consumer identifying data associated with the wallet identifying data may be received by the second device from the payment system. In some embodiments, use of wallet identifying data may be applied to other communications, such as for messages that authorize payment.

Abstract: A computer system associated with spot market trading in a particular subject matter may communicate with a computer system associated with trading in futures contracts or options in futures contracts for the subject matter. The communications may include pricing data for at least one of futures contracts or options in futures contracts for the subject matter, which pricing data may be used for spot market pricing. The communications may also include communications regarding futures hedging of spot trading in the subject matter.

Abstract: A computer-implemented method for providing data associated with insured losses is presented. Data regarding an event that is a cause of the insured losses may be received. Respective indications of locations of properties insured by an insurance provider and sustaining the insured losses may be received. Image data from at least one image capturing device, where the image data is obtained from an aerial view of the properties and indicative of respective conditions of the properties, may be received. The image data may be processed to determine, for each property, an indication of the respective condition. The data associated with the insured losses may be provided via a user interface. The data associated with the insured losses may include (i) the respective indications of the locations of the properties, and (ii) the indications of the respective conditions of the properties.

Abstract: An information device makes a payment with a payment terminal through a contactless communication, using amount data of an electronic purse function of a mobile device. The mobile device with the electronic purse function permits the information device to be used for performing payment processing with the payment terminal, using amount data of the electronic purse function of the mobile device. A wearable information device includes an image taking unit configured to take an image of an object in the direction of line of vision of a user, and notifies the information device of the presence or absence of the information device in a taken image. The information device makes a payment with the payment terminal through a contactless communication based on the notification from the wearable information device of the presence or absence of the information device.

Abstract: A system and method of allocating orders in an exchange configured for trading by a combination of electronic and open-outcry trading mechanisms is provided. One method includes permitting multiple quotes to be disseminated to the market, but limiting market making to only those entities having a physical presence on the floor of the exchange. Methods of enhancing the hybrid electronic and open-outcry exchange also include automatically eliminating crossed quotes and locked quotes while permitting certain orders to trade against locked quotes.