Abstract: A personalized insurance (“PI”) computing device for determining an optimal insurance product for a driver operating a vehicle for a transportation network company (“TNC”) during a period of increased demand includes at least one processor in communication with at least one memory. The processor is configured to: (i) receive, from a TNC, data indicating increased demand for transportation services, (ii) retrieve driver data that includes the driver history, (iii) generate an optimal pricing model for the driver based upon the increased demand and the driver data, (iv) execute the model to determine an optimal insurance product having characteristics reflecting at least one risk factor associated with the increased demand for transportation services and a risk profile determined from analyzing the driver data, and (v) transmit an offer to the driver to provide transportation services at an increased earnings rate and with the determined optimal insurance product.

Abstract: A method includes monitoring patterns of commands provided by a self-service terminal controller, identifying potential fraud in the monitored patterns of commands, and suspending operation of a dispenser of the self-service terminal responsive to the identification of potential fraud.

Abstract: An electronic banking system having a host system comprising a processor and at least one first non-transitory computer readable medium storing a first set of instructions that when executed by the processor cause the processor to obtain and store banking records in a database, the banking records indicative of at least one bank account of a user. The electronic banking system further comprising a building having an internal space and a door providing selective access to the internal space. An interactive teller machine, a rolled coin machine, a recycler, and a drop box are located within the internal space of the building and connected to an interbank network. The rolled coin machine, recycler, and drop box are further connected to a network separate from the interbank network. An entry controller is programmed to allow selective access to the internal space through the door based on authentication of the user.

Abstract: A system and method for distributing market data in response to price level transitions is disclosed. The system and method provide a mechanism for detecting when a price level transition has occurred. Detection of a price level transition results in the distribution of market data and may include displaying the results.

Abstract: Systems, methods, and computer-readable storage media utilized in math-based currency (MBC) exchange utilizing MBC transaction guarantees. One method includes receiving, from a merchant point of sale (POS) terminal, a payment reimbursement request comprising a guarantee identifier associated with an MBC transfer. The method further includes determining, utilizing the guarantee identifier, transaction information. The method further includes determining, utilizing the transaction information, the guarantee identifier is associated with a failed transaction based on accessing and analyzing a plurality of disputed transactions on an MBC blockchain. The method further includes, in response to identifying the failed transaction, initiating an MBC payment from the financial computing system to an MBC address of a merchant. The method further includes providing, to the merchant POS terminal, a payment confirmation.

Abstract: Embodiments provide methods, and systems for facilitating a payment transaction utilizing a pre-defined radio frequency allocated by an agency to a merchant. A user may open an application provided and maintained by a payment network on a user device and input the pre-defined radio frequency associated with the merchant. The payment network server is configured to establish a secure radio frequency connection between the user device and a merchant server of the merchant. Post establishment, the user may proceed to make a payment transaction to the merchant by choosing a payment method and authenticating his/her identity. The payment transaction is authorized by an issuer of the payment account and is forwarded to the payment network server. The payment network server is configured to fetch acquirer information of the merchant account and process the payment. Post completion, a confirmation message is sent to the user device over the secure RF connection.

Abstract: A sticky order routing system may include multiple order routers in communication with an electronic exchange for communicating transaction messages. Each of the order routers communicates transaction messages between multiple associated trading sessions and the electronic exchange, where of the associated trading sessions is assigned to the order router in communication with the electronic exchange. Transaction message traffic between the order routers and the electronic exchange is monitored, such as randomly, based on round-robin assignment, and/or trading data. In response to transaction message traffic exceeding a threshold, the trading session may be assigned to a new order router.

Abstract: Systems and methods are disclosed for providing account balance notifications. The disclosed embodiments generally relate to using transmitters to activate a mobile application to request financial account information, such as an account balance, and display the requested information, via the mobile device, before the customer uses an automated teller machine (ATM) or conducts a transaction at a bank branch. In certain embodiments, the transmitters are low energy transmitters. Other aspects of the disclosed embodiments are described herein.

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: Disclosed embodiments include determining whether the insurance claim comprises an anomaly based on whether the claim violates a rule in a Rules Engine or is scored by an Artificial Intelligence/Machine Learning engine below a threshold. When the claim comprises an anomaly, (i) for each feature of the claim, (a) determining a sensitivity value of the feature relative to each other feature of the claim, and (b) determining a saliency value of the feature relative categories relevant to the claim, and (ii) estimating a value of the claim based on a multi-variate linear regression model. And based on the sensitivity values, saliency values, and estimated value, recommending one or more ways to cure the anomaly based on (i) a Local Interpretable Model-Agnostic Explanations based recommendation and/or (ii) a Global Surrogate Model based recommendation.

Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.

Abstract: A system and method for locating electronic devices and establishing peer to peer communication with electronic devices, such as a currency exchange unit, using a beacon, is disclosed. The method may include determining a location of the currency exchange unit; generating a message indicating a location of the currency exchange unit and the availability of a variety of different currencies; and managing currency exchanges with various mobile devices.

Abstract: Various embodiments of exchanges are described. Methods and other embodiments are also described.

Abstract: A pricing administration and calculation tool comprises user interface logic, pricing administration logic and pricing calculation logic that cooperates with the user interface logic to generate display screens configured to receive user inputs specifying credit guarantee pricing and user inputs specifying terms and conditions for mortgage backed security (MBS) loan commitments. The inputs are specific to individual external user (seller). The credit guarantee price is a fee for guaranteeing to an investor the timely payment of principal and interest from the mortgages underlying a mortgage backed security. The credit guarantee pricing may be specified via the display screens on a seller-by-seller basis, a mortgage product-by-product basis, an issue month-by-issue month, and a coupon-by-coupon basis.

Abstract: Methods and systems for assigning damage to a property to causes of loss are provided. A smart home controller and/or an insurance provider remote processor (or server) may generate a time sequence of events for damage associated with an insure-related event. The time-sequence of events may be analyzed to identify causes of loss associated with damage to the property. The smart home controller or insurance provider remote processor may further analyze the time-sequence of event to determine a portion of the overall damage associated with each cause of loss. Subsequently, according to certain aspects, the smart home controller or insurance provider remote processor may automatically generate a prepopulated insurance claim for damage associated with the insurance-related event, and/or transmit the automatically prepared insurance claim to an insured for their review, approval, and/or modification, such as via wireless communication to a mobile device associated with the insured.

Abstract: Disclosed herein are systems and/or methods for determining an insurance status for one or more drivers and/or vehicles. The system may identify a driver of a vehicle, such as by facial recognition or a retinal scan. Based on the identification, the system may determine the insurance status of the driver. If there is an issue with the insurance status, the system may prompt the driver to take some action. The system may also institute limitations upon the vehicle if there is an issue with the insurance status. In some instances, the system may determine the insurance status for multiple drivers in the area, and may warn a driver if he or she is in the vicinity of one or more underinsured drivers and/or vehicles.

Abstract: Disclosed is a method and a system for efficiently and accurately processing air particulate datasets when facing a high number of air particulate datasets from multiple locations to generate an artificial intelligence model having one or more computer-based rules that determines eligibility of a user to avail a health-related service based on air particulate records associated with current and past locations of the user.

Abstract: A funds-transfer system enables a buyer to transfer funds to a seller via a mobile telephone. The system receives a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The system charges the purchase amount to the financial account held by the buyer and transfers the purchase amount to a financial account held by the seller.

Abstract: Systems and methods for providing a search-directed user interface for online banking applications. An example method may comprise: receiving, via a graphical user interface (GUI) session associated with an authenticated user, a search argument comprising a character string; executing, by a processing device, a search query by matching the character string to account data of one or more accounts that the authenticated user is authorized to access, the account data comprising a plurality of data items representing at least one of: financial product types, financial product identifiers, financial transaction types, financial transaction descriptions, financial transaction amounts, portfolio types, accounts, and aggregated financial indicators; and causing a data set produced by executing the search query to be visually represented via the GUI session.

Abstract: A device may receive transaction data indicating that a transaction occurred. The transaction may be between a first user of a first device and a second user of a second device. The device may receive, from the first device, first sensor data indicating a first location recorded by a first sensor of the first device at a first point in time associated with the transaction; and receive, from the second device, second sensor data indicating a second location recorded by a second sensor of the second device at a second point in time associated with the transaction. Based on the transaction data, the first sensor data, and/or the second sensor data, the device may determine whether the transaction occurred and perform an action based on the determination of whether the transaction occurred.