Abstract: Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

Abstract: The invention relates to the field of making online payments by integrating social networks and payment networks to a seamless network. In particular, the invention leverages the information in the social network to conduct financial transactions. The best mode of the invention is considered to be a social payment network app that incorporates all or most of the functions of credit cards, internet banking and money order companies by using the data and functions already available in the social network. The invention provides better counterparty recognition, reduces the chance of fraud, or fraud, and provides a cheaper payment platform to consumers (110, 410) or small businesses while also reducing the administrative burden in making and paying purchases or reporting payments and/or expenses to third parties, such as the employer or tax administration.

Abstract: Information for a payment account of a user of a transit system may be received. A risk analysis may be performed using the information for the payment account based on one or more parameters to determine a risk score for the user. The risk score for the user may be provided to a transit payment system. Whether the user is a high risk based on the risk score may be determined. If the user is a high risk, payment or payment authorization from the user via the transit payment system may be required before the user exits the transit system.

Abstract: Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

Abstract: A method for managing secure processing of electronic payment transactions includes receiving a request submitted by a merchant computing system for a security verifier. The security verifier is to be displayed on an electronic display associated with the merchant computing system. A set of security credentials received from a security service provider is measured against a security threshold. When the set of security credentials meets the security threshold, a uniform resource locator (“URL”) is transmitted to the merchant computing system. The URL identifies the security verifier to be retrieved and displayed at the electronic display associated with the merchant computing system.

Abstract: Embodiments describe an approach for smart lens-based transactions using eye contact. Embodiments comprise identifying a focus angle of a user wearing a smart lens, determining a smart lens-based transaction is occurring based on the focus angle including a second user or a point of sale sensor for a predetermined amount of time, and verifying the focus angle overlaps with a transacting focus angle of the second user or the point of sale sensor. Additionally, embodiments comprise authenticating the user based on biometric security measures on the smart lens, displaying an augmented reality prompt to the user on the smart lens, wherein the augmented reality prompt on the smart lens prompts the user to select a stored payment method and confirm an amount or file associated with the smart lens-based computing event, and executing the smart lens-based transaction based on the verified overlapping focus angles and the user confirmation.

Abstract: A system and method for mitigating the effects of transit time latency in the execution of global trade orders at remote exchange servers utilizes a generated complex order. End users with certain trading protocols directed to their asset classes provide the co-located server with their trading parameters, and further personalize their trade orders by establishing rules for executing the orders at each co-located server. This is known as their complex order. A deployed strategy engine generates a virtual machine at each co-located server, which thus allows the co-located server to execute complex orders received from the end user. The end user may modify or delete the complex order at each co-located server at any time. Transit time latency issues are drastically reduced under this system and method.

Abstract: A method for beacon device-based customer notifications is provided. The method is implemented by a computing device including a processor. The method includes receiving, from a beacon device, a beacon device advertisement that includes a universally unique identifier (UUID), a major identifier, and a minor identifier. The method also includes identifying, based on at least one of the UUID, the major identifier, and the minor identifier, that the beacon device is associated with an agent location, where the agent location is corresponds to a bill payment and money transfer facility. The method further includes generating a payment notification for display on the computing device, where the payment notification includes payment data and agent location data, receiving, from a user, an instruction to prepare to make a payment at the agent location, and causing the agent location to stage the payment for completion by the user.

Abstract: A computer-implemented method includes: determining a target user corresponding to a payment request and a plurality of payment channels corresponding to the payment request; obtaining payment features based on the target user and the plurality of payment channels, in which the payment features include features representing historical characteristics of one or more payments made by the target user using one or more of the plurality of payment channels; determining, based on the payment features, a recommendation score corresponding to each of the plurality of payment channels in accordance with a prediction model; and generating, based on the determined recommendation scores of the plurality of payment channels, a recommendation including at least one of: a selection of at least one of the plurality of payment channels, and a manner of presentation of at least one of the plurality of payment channels.

Abstract: An automatic billing and cardholder profile updater (ABCPU) computing device is provided. The ABCPU computing device receives an update request including an account identifier and associated with a candidate payment account over a first network, retrieves billing data associated with the candidate payment account from a billing database that stores billing data associated with a plurality of payment accounts, generates a card profile query including the account identifier, transmits the card profile query over a second network separate from the first network, receives card profile data associated with the candidate payment account from a card profile database that stores card profile data associated with a plurality of payment accounts, generates an update response including the retrieved billing data and the received card profile data, and transmits the update response over the first network to at least one of an acquirer and a merchant associated with the update request.

Abstract: The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. Enrollment information is received from a payor, and a secure portal is provided to authenticate electronic payment instructions from the payor. When instructions for a payment are received via the portal, risk for the payment is assessed. If funding for the payment is positively assessed, the present subject matter composites a front and back image of the check and performs an endorsement of the check. Electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. Select data on the check image pairs is anonymized, and an electronic deposit is performed in the amount of the payment to at least one payee.

Abstract: Aspects for international remittances are disclosed herein. A sender initiates a request to remit funds to a recipient. The sender has an account with a first financial institution and the recipient has an account with a second financial institution. The request is communicated to specific bidders that have accounts with both the first and second financial institutions. The bidders submit bids for satisfying a request. When a bid is selected, funds are transferred from the sender's account with the first institution to the bidder's account with the first institution, and from the bidder's account with the second institution to the recipient's account with the second institution.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a closed loop platform for dynamic currency conversion. In this way, the invention eliminates currency discrepancy during resource exchange and provides a dynamic currency conversion in real-time for interactions, via a closed loop platform. Using closed loop processing, the invention verifies and authorizes resource transfers, bypassing current currency conversion processing.

Abstract: Risk scores are generated by systems that use features or inputs from the current transactions, some summary statistics like velocity and some statistics calculated in batch mode which traverse hierarchical classification levels of entities, including classified attribute levels of known transactions, to identify neighborhoods of related entities and related transactions. Corresponding records of transaction information are extracted from or are otherwise generated from neighborhoods of the related transactions associated with the defined neighborhoods of entities/transactions.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of stock trading using social network sentiment. The system and method can receive a trading order entry for a stock asset having at least one condition to execute, wherein the at least one condition to execute is based on a social network sentiment. The system and method monitors the stock asset for conditions to execute and monitors a tracking social network sentiment of the stock asset. The system and method can determine if the conditions to execute satisfied. The system and method can execute a stock trade according to the trading order entry based on the determination.

Abstract: A digital asset transaction method is implemented using a connected device connectable to the Internet and a closed device not connectable to the Internet and includes the following steps: the connected device displays a first check message according to a transaction data input thereto by a user; the connected device transmits the transaction data to the closed device after the user confirms the first check message matches the transaction data; the closed device displays a second check message according to the transaction data transmitted thereto by the connected device; the closed device transmits an authentication data to the connected device after the user confirms the second check message matches the transaction data; and the connected device executes the digital asset transaction after receiving the authentication data from the closed device. With the above method, the user can verify transaction content on different devices and decide whether to execute the transaction.

Abstract: A method and system for processing communications between travel service providers and travel insurers where travel service providers use different messaging formats. A travel service provider transmits itinerary data to a travel insurer in one messaging format. The travel insurer may then convert the itinerary data into a format compatible with the travel insurer's system and determine an optimal policy choice based on the itinerary data. The travel insurer may then transmit this choice to the travel service provider in the travel service provider's preferred messaging format, and the travel service provider offers the product to the consumer through the travel service provider's interface.

Abstract: Methods and systems may be configured to verify proper installation of Internet Protocol (IP) connectable building automation devices by installers at remote sites. The installers may be a crowdsourced installers. A service provider may engage an installer to install one or more IP connectable building automation devices. To ensure verification that the one or more IP connectable building automation devices are installed properly, parameters or values based on data from installed IP connectable building automation devices may be provided to or determined by a blockchain network. The blockchain network may compare the parameters or values to thresholds and automatically provide an indication as to whether the parameters or values meet or exceed the thresholds (e.g., verification criteria).

Abstract: A wearable biometric device to mitigate cognitive dissonance according to various embodiments can be configured to define one or more geo-fences relative to one or more physical locations; detect a geo-fence crossing when the wearable biometric device crosses any of the geo-fences; activate a geo-fence application and a biometric application, in response to the detection of a geofence crossing; monitor behavior transactions of the user while the wearable biometric device is located within the geo-fence; activate a biometric sensor to detect biometric conditions of the user and determine if the biometric conditions of the user exceeds a predetermined threshold; activate a stimuli generating unit to detect if the user experiences a biometric stressor while the wearable biometric device is located within the geo-fence and activate the stimuli generating unit to apply one or more stimuli to the user until the biometric stressor experienced by the user is below the threshold.

Abstract: A location of a transaction or payment request is compared with a location of a user device to determine whether the distance is great enough to send an alert for a possible fraudulent transaction. The user device location may be predicted based on a last known location and information about the area of the last known location and movement of the user device.