Abstract: Disclosed herein are methods, systems, and apparatus, including computer programs encoded on computer storage media, for data synchronization. One of the methods includes that a first terminal device establishes a data channel to a specified carrier through near field communication. The first terminal device obtains an account identifier of a first account and first streaming data corresponding to the first account through the data channel, where the account identifier of the first account and the first streaming data are stored in the specified carrier. The first terminal device determines second streaming data corresponding to a second account associated with the first account, and performs data synchronization between the first account and the second account based on the first streaming data and the second streaming data.

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: A computer-implemented method for enhancing user authentication is provided. The method is implemented using an authentication computing device in communication with a memory. The method includes storing a plurality of user preferences associated with a user account. The user preferences are rule-based preferences that define steps to be taken for authenticating the user for accessing the user account. The method also includes receiving an authentication request for access to the user account, determining one or more authentication challenges based, at least in part, on the user preferences, transmitting the one or more authentication challenges to be presented to a user attempting to access the user account, and determining whether to authenticate the user based on a response to the one or more authentication challenges.

Abstract: An improved micro-financing platform to fund principally new ideas, startups, and/or SMEs using a new type of instant game of chance ticket or on-line game is described. In accordance with an exemplary embodiment, the instant game of chance ticket or an on-line game token will comprise a gaming component and an investment component. In one scenario, the gaming component is the traditional game feature offered by an instant game of chance ticket or on-line game. The investment component of a ticket is the investment value of a ticket or on-line game as a function of the face value paid for the ticket. This investment value is a sort of micro-financing investment made by the purchaser in return for which the purchaser is given a share interest in an investment pool of companies very similar to traditional share ownership in a company, or the purchase of a corporate bond exercisable at a future date in exchange for, hopefully, greater value than what was given to acquire in the first place.

Abstract: A system and method determines the creditworthiness of a consumer and issues a loan and generates a behavioral profile for that consumer. An initial set of data is acquired from the consumer that includes non-identification attributes without obtaining a full name, a credit card number, a passport number, or a government issued ID number that allows identification of the consumer. A user ID number matches the initial set of data to a physical user in a transaction database. A credit score based on the average credit among a plurality of user profiles is matched to determine a maximum credit for the consumer. A machine learning model may be applied to stored consumer loan data to determine when the consumer requires an increase in the maximum allowed credit and the risk involved with increasing the maximum allowed credit.

Abstract: A refinement verification engine authenticates a user submitting a subject tax return. The user is associated with an initial taxpayer identity confidence score in an intermediate range, such that the authenticity of the user is uncertain. The refinement verification engine is configured to perform the following steps: receiving tax information associated with the subject tax return for a subject taxpayer; acquiring an initial taxpayer identity confidence score that is indicative of a likelihood that the user is genuine; determining that the initial taxpayer identity confidence score falls into a predetermined range; identifying a verifiable data set within the taxpayer information; accessing an external data store containing information related to the verifiable data set; and determining whether information indicative of the verifiable data set is present in the external data store.

Abstract: A first client obtains a transfer value, generates a value transfer code based on account information and the transfer value, and enables a near field communication channel to transmit the value transfer code to the second client. The second client obtains the value transfer code transmitted from the first client through the near field communication channel, verifies the value transfer code, and in response to the value transfer code passing the verification, transmits the value transfer code to the server and the server carries out the value transfer according to the value transfer code.

Abstract: A method begins by a computing device determining desired financial attributes of a legacy financial system, where the legacy financial system is supported by a legacy asset base, where the legacy asset base includes a plurality of legacy assets associated with a plurality of legacy asset types. The method continues with the computing device selecting, in accordance with the desired financial attributes, a subset of augmenting assets from a plurality of available augmenting assets to produce an augmenting asset bundle, where each available augmenting asset is associated with a future time-estimated benefit payment and a series of time-certain obligated payments. The method continues with the computing device determining, in accordance with the desired financial attributes, a first portion of an aggregate of the future time-estimated benefit payments of the augmenting asset bundle for assignment to the legacy asset base.

Abstract: A trading platform adapted for pairs trading of unrelated securities from one or more asset classes using a single order approach is provided.

Abstract: A system and method for the valuation, acquisition, and management of insurance policies whereby specific business methods, algorithms, and systems are utilized to measure specific benchmarks set by risk bearers, affiliates and clients. The benchmarks set are based on the ratios set by the risk bearer based on their specific objectives for profitability. Profitability is measured by a number of factors and ratios to include but not be limited to ROI, ROE, Combined Ratio, Expense Ratio, Loss Ratio.

Abstract: A method for securing a laptop computer device using a security management computing device includes receiving a request for a secure token, the request including (i) a device unique identifier associated with the laptop computer device, and (ii) a context unique identifier associated with a context of using the laptop computer device to initiate data communications. The method also includes generating a secure token associated with both the laptop computer device and the context of using the laptop computer device, such that the secure token is usable only within the context, and transmitting the secure token to the laptop computer device.

Abstract: Methods, devices, and systems for managing electronic messages of an electronic trading system in which orders are extracted from the electronic messages involve executing actions associated with respect to the orders. The actions in the electronic trading system may have times specified within the electronic message for the action to be executed.

Abstract: A method and system for associating information regarding an object with image objects is disclosed, wherein each image object is a visual data containers including an image associated with the object and data items relating to the object. A user may interact with a graphical user interface to create, modify, and associate image objects by means of the associated images. Information regarding the objects may be associated therewith by means of the image objects, and image objects may be associated with other image objects to generate associations between information regarding the underlying objects. Information regarding other image objects or the associated image may be used to determine information regarding the object, which may be associated with the image object. In some embodiments, associating two or more image objects may associate the underlying objects for purposes of insurance policies or may generate a new insurance policy based on the image objects.

Abstract: A trading platform network for rarities is provided. The network includes at least one raritymine, an online merchandising convergence, and input from a robo-rarity trading data stream. According to this aspect, rarityminers are enabled to view virtual three-dimensional depictions of rarity assets contained in the at least one raritymine and buy and sell raritybits. A rarities trading exchange toolkit which includes the trading platform network and a rarity system is also provided.

Abstract: A system and method for dynamically discounting trade debt through the use of a forward auction is provided. In one example, a system that allows a seller to auction inventory to a plurality of bidders. According to this embodiment, the system may determine eligibility for acceptance of bids submitted by the bidders and a plurality of bids may be determined to be eligible for acceptance. Further, a margin by which the bids are acceptable may be determined and a representation of the margin may be communicated. In another example, a method is provided for discounting debt using an auction system. According to this embodiment, a seller may configure an auction event with auction parameters, such as hurdle rates, that will best serve the goals of the auction. The seller may alter event parameters while the event is ongoing, thus further enhancing the ability of the seller to meet auction objectives.

Abstract: An electronic data insurance management system may prompt a user, for a selected insurance product, to identify an indemnity level for insuring against loss to one or more electronic data sets, receive input identifying the indemnity level, and link an identifier for one of the one or more electronic data sets with a data insurance policy or policy certificate defined by the identified indemnity level. The system may also create a data storage account for the one of the one or more electronic data sets on a data management system using the identifier such that an association is formed between the data storage account and the data insurance policy or policy certificate.

Abstract: The disclosure facilitates a transaction by verifying a transaction claim request. An initiation request, including sender location data indicating a sender location, is received from a sender. A first transaction identifier associated with the transaction and the sender location data are recorded in a data structure. A claim request is received from a candidate recipient, the claim request including a second transaction identifier and recipient location data indicating a recipient location. The first and second transaction identifier are compared. The sender location and recipient location are compared based on a defined range. Based on the first and second transaction identifiers matching and the recipient location being within the defined range of the sender location, the claim request is verified, providing confirmation that the recipient is an intended recipient.

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: The present invention relates to a mobile terminal and controlling method thereof, suitable for making offline payment conveniently without a complicated procedure according to a use mode of the mobile terminal. The present invention includes a touchscreen, a fingerprint sensing unit, a wireless communication unit, and a controller configured to, if sensing a first fingerprint input through the fingerprint sensing unit, control a different function to be executed according to a use mode of the mobile terminal at a timing of sensing the first fingerprint input.

Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.