Abstract: Systems, methods, apparatuses and computer-readable media for receiving data associated with a plurality of users, such as a group of employees receiving benefits from an employer. The plurality of users may have a primary insurance provider. Insurance information associated with one or more covered services or claims submitted may be received from the primary insurance provider and matched to the plurality of users to identify a portion (or any) of the users who have submitted a claim or received covered services. In some arrangements, a determination may be made as to whether the identified users have supplemental coverage. If so, a notification may be transmitted to the user indicating eligibility for coverage.

Abstract: A system for processing payment card transactions. A user database stores a plurality of user profiles. Each user profile mappings from a payment card identifier to at least one credit card number. A bill processing component in communication with the database which is configured to: receive, from a credit card issuer system, credit card bill data representing at least a credit card number, a total payable amount and a minimum payable amount; query the user database to match one of the user profiles to the credit card number; and store, in the matched user profile, the credit card bill data.

Abstract: An exchange order fulfillment method comprises receiving, by at least one processor of an electronic exchange, a plurality of electronic communications comprising orders for trades of one or more financial instruments, at least one order comprising an amount of price improvement to be applied to one of a protected national best bid (NBB) or a protected national best offer (NBO) of a financial instrument for a trade. The method further includes fulfilling, by the at least one processor, the order when the amount of the price improvement is more aggressive than a specified value of aggressiveness relative to the one of the protected NBB or the protected NBO of the financial instrument and reporting information associated with fulfillment of the order.

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: 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: Methods and systems for generating a diversification index for a portfolio are disclosed herein. A plurality of assets within the portfolio are identified, each of the plurality of assets having a corresponding weight value and a corresponding utility value. An overall volatility value of the portfolio is identified. A diversification index is computed based on the overall volatility value and corresponding weight and volatility values of each of the plurality of assets.

Abstract: Systems, methods, and articles of manufacture for transferring funds from multiple transaction accounts are provided. The system may allow a user to link one or more credit, debit, or other similar transaction accounts to a single transaction instrument. The system may receive a transaction authorization request, retrieve a merchant account number and a consumer transaction account number based on the transaction authorization request, and generate a funds transfer request comprising the merchant account number, the consumer transaction account number, and a payment amount. The funds transfer request may be executed by a transaction account network to transfer funds from the consumer transaction account to the merchant account.

Abstract: A system and method for determining a composite bounded probability distribution of values of a first parameter at one or more values of a second parameter. A bounded probability distribution of values of a common first parameter is defined for each of one or more values of a common second parameter. A composite bounded probability distribution is determined for the portfolio at a selected value of the second parameter by performing a frequency domain convolution using the bounded probability distribution of each object at the selected value of the second parameter.

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: Systems and methods for migration of financial account settings are disclosed. One system includes a migration server. The migration server includes a third-party interface directory, including notification data associated with notifying one or more third parties of an account migration. The migration server further includes a transaction analysis module configured to parse transaction histories associated with an existing financial account to identify a third party that has initiated at least one transaction with the existing financial account. The migration server also includes a notification module configured to generate a notification for the identified third party based on notification data associated with the identified third party stored in the third-party interface directory and information associated with a target financial account.

Abstract: Computer bypass systems and methods using a customer portal of a core account computer system to bypass a core account provider computer system are disclosed. One method comprises receiving at a loan computer system a loan request from an electronic client device and obtaining core account access information comprising a core account provider identifier and core account authentication credentials of the client for a customer portal of the core account computer system. The loan computer system can use the core account authentication credentials to access the core account customer portal and obtain a core account balance and a maximum allowable loan limit. The loan computer system can provide machine readable instructions to render a graphical user interface indicating the maximum allowable loan limit and can receive a requested loan amount, which is used to transfer funds from the core fund to create a loan fund.

Abstract: A method for facilitating a price quote for a cross-sell product includes receiving an input indicating that a first price quote application associated with a first insurance product has been completed and, after receiving the input, directing a customer to a cross-sell bundle web page. The web page indicates a price quote for the first insurance product, and a message prompting the customer to begin a second price quote application associated with a second insurance product. The method also includes causing, using information obtained from the customer via the first price quote application, one or more information fields of the second price quote application to be populated, and calculating, based at least on information in the populated fields, a price quote for the second insurance product. The method also includes causing a the price quote for the second insurance product to be displayed to the customer.

Abstract: A system and method of transaction processing is provided. The system includes a central server, which, after receiving transaction and recipient information from an initiator, sends a verification code to the initiator. The server also sends instructions for the initiator to send the code to a recipient via an outside communication channel. The server receives the verification code from the recipient, and verifies the transaction. In this manner, security may be maintained.

Abstract: Techniques are described for managing ghost account(s) for user(s). A ghost account may be created with a ghost account number that is a digitally provisioned payment card number linked to a backend account of a user. The ghost account number may be used to conduct transactions in situations where the user may otherwise use their backend account number. One more constraints governing the use of the ghost account may be specified by the user and/or the backend account management service. For example, the user may request a ghost account to be used only to make payments to a particular merchant or service. As another example, the user may request a ghost account to be useable for a particular period of time and/or a particular number of uses. Transactions initiated through the ghost account may be completed using the backend account that is linked to the ghost account.

Abstract: Methods and systems for creating and presenting multiple insurance product offerings are provided. According to certain aspects, an insurance provider may receive data including customer demographic information and property information, and determine two or more insurance product offerings with quotes based upon the received data or upon a single request for an insurance product offering. The provider may then send, via a computer network, data to enable a client computing device to display, in a single graphic representation, the two or more insurance product offerings and/or summaries of each. The insurance product offerings may relate to homeowners insurance, and the summary of each insurance product offering may include a premium, discount, and an icon that allows customization. Each summary may also include coverage amounts, liability coverage, personal belonging coverage, and/or additional coverage options.

Abstract: A system and method for underwriting and rating insurance products using a programmed computer system to receive usage information of a vehicle within a geographic area or location, determine a target grid cell or a sequence of target grid cells bounded by latitude and longitude lines that encompass at least a portion of the geographic area where the vehicle was used, attain a set of data associated with the target grid cell(s), and calculate a location rating factor based on the usage information, target cell(s), and the set of data.

Abstract: A system may detect an outstanding account of a borrower having an outstanding amount. The system may also display a loan-request interface associated with the outstanding account with the loan-request interface activated in response to the outstanding amount being within the dynamically calculated loan capacity. The system may receive an input via the loan-request interface to request a loan based on the outstanding amount. A request for the loan may be transmitted in response to the input.

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: Systems and methods of conducting financial transactions are disclosed. For example, one disclosed method includes receiving a first price on a computer from a provider, the first price associated with an available volume of a financial instrument; associating the price with the provider in a computerized database of a plurality of providers; identifying a plurality of user-preferred providers in the computerized database associated with the first price; aggregating the available volume of the financial instrument offered for sale or required for purchase by the plurality of user-preferred providers on the computer; and causing the aggregated volume of the financial instrument to be displayed on a display in communication with the computer.

Abstract: The present disclosure relates to an account system for optimizing transactions for a user. In one implementation, the system may include at least one processor and a storage medium storing instructions that, when executed, configure the at least one processor to perform operations. The operations may include receiving, from the merchant system, merchant information for the transaction, retrieving, based on the account number, a database record from a database, the database record comprising the plurality of financial accounts associated with the user and user preferences, determining financial account data associated with each of the plurality of financial accounts, determining, using an optimization algorithm, a preferred financial account from the plurality of financial accounts based on the financial account data, the user preferences, and the merchant information, and selecting, based on the determination, the preferred financial account to complete the transaction.