Abstract: An apparatus, method, and non-transitory medium for betting on weather predictions are disclosed herein. A plurality of longitude and latitude coordinate pairs may be received from a remote device. The display device may render data representing a binary option based on whether a storm will make landfall within the certain radius. A request to purchase the binary option may be received. It may be determined whether the landfall location corresponds to a zip code associated with the given longitude latitude pair in the memory.

Abstract: Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date.

Abstract: The method comprises receiving a token request, from a first transaction system, for generating a token associated with a user account. Responsive to receiving the token request, generating the token that authorizes use of an initial transaction resource at a second transaction system. The method includes generating transaction preferences that associate the token with a plurality of transaction resources at the second transaction system. The token is transmitted to the first transaction system for use at the first transaction system. The method includes receiving a transaction request, including the token, for using the token for a first transaction. In response to receiving the transaction request, the transaction is processed based on the token, a state of the first user account, and the transaction preferences. The processing of the transaction includes determining whether to revise use of the initial transaction resources to one or more other transaction resources.

Abstract: Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving a financial institution over a network. Embodiments of the method include capturing an image of the customer engaging in the transaction using an image capturing device integrated with the electronic device and retrieving a stored image of the customer from an authentication database. Embodiments of the invention additionally include comparing, using a comparison algorithm executed by computer processing components, the stored image with the captured image to authenticate the customer and upon authentication, monitoring the captured image during the transaction for an interruption using the computer processing components. The method further includes terminating the transaction if an interruption is detected.

Abstract: A method and server system for facilitating recurring customer payments to merchants are provided. A Quick Response (QR) code including a Standing Instruction (SI) flag is generated. The SI flag is capable of offering customers of a merchant with an option to pay for respective recurring payments using SI. The generated QR code is provided by the merchant to at least one customer. A first payment from among a set of recurring payments from a customer to the merchant is processed based on an input related to the SI provided by the customer subsequent to a selection of the option in the QR code by the customer. A unique identifier associated with a processing of the first payment from the customer to the merchant is generated and stored. Each subsequent payment is processed using the unique identifier and the input related to the SI.

Abstract: A distributed computer system comprises one or more patient system, configured to be operated by patients seeking provider services, a front-end web server to interface to the one or more patient system, a back-end server system coupled to the front-end web server to receive patient information, a healthcare provider system that provides information about a procedure needed by a patient unable to pay for the procedure, providing the information to the back-end server system, and a donor computer system, for accepting and receiving messages from the back-end server system about funding patient procedures.

Abstract: According to some embodiments, a risk monitoring data store may contain a set of electronic data records, with each electronic data record being associated with a stream of sensor data received via a communication network from a remote set of sensor systems located at a risk monitoring site. A risk analytics platform computer may receive information associated with the sensor data in substantially real-time and analyze the received sensor data, using at least one risk analytics algorithm, to detect an abnormal pattern associated with a predicted elevated level of risk at the risk monitoring site. The risk analytics platform computer may also automatically transmit a result of the analysis to a risk operations platform. The risk operations platform may then implement an active risk mitigation adjustment at the risk monitoring site responsive to the result of the analysis.

Abstract: Certain embodiments reduce the risks of traditionally programmed algorithms such as syntax errors, unclear logic, and the need for a non-trader programmer to develop the algorithm as specified by a trader by reducing or eliminating the writing of programming code by a user. Certain embodiments provide building block buttons and an algorithm area to define an algorithm. Certain embodiments provide live evaluation of an expression as the algorithm is being defined. Certain embodiments provide a design canvas area and blocks for designing an algorithm. Certain embodiments provide live feedback for blocks as the algorithm is being designed. Certain embodiments provide for initiating placement of an order to be managed by a selected user-defined trading algorithm from a value axis and for displaying working orders being managed by different user-defined trading algorithms on the value axis. Certain embodiments provide a ranking tool.

Abstract: Disclosed herein are systems, methods, and computer program products for communicating a first information node between a seller and a buyer of a production share of verifiable physical goods over a central service layer. A second information node is recorded in the data store covering the verifiable physical goods, wherein the second information node is made by a guarantor in communication with the central service layer. An identifier of the second information node is associated with the first information node over the central service layer. Market information regarding the production share is translated from the first information node and the second information node accessed from the data store using the identifier and integrating the market information regarding the production share into adjusted market information, and the market information regarding the production share and the adjusted market information is transmitted to devices connected over the central service layer.

Abstract: A method and system to learn new forms to be incorporated into an electronic document preparation system, or to learn the behavior of existing systems, receive form data related to a new form having a plurality of data fields that expect data values based on specific functions. The method and system gather training set data including previously filled forms having completed data fields corresponding to the data fields of the new form. The method and system include multiple analysis modules that each generate candidate functions for providing data values for the data fields of the new form. The method and system evaluate the candidate functions from each analysis technique and select the candidate functions that are most accurate based on comparisons with the training set data.

Abstract: Techniques are described for sender authenticated remittance via an automatic teller machine (ATM). The techniques include transferring money between a sender and a recipient via the ATM without the recipient needing a computing device or a bank account with which to receive the money. The disclosed techniques enable a remittance server to interact with both the sender via a sender computing device and the recipient via the ATM to perform a money transfer in which the recipient is at least partially authenticated by the sender. The ATM is configured to take a picture or a video of the recipient to be sent by the remittance server to the sender computing device for approval by the sender prior to allocating the transferred money to the recipient. In this way, the remittance server essentially passes control of the ATM and the remittance of the transferred money to the sender.

Abstract: A method and associated apparatus/system for controlling access to data in a database. A first login by a first user is accepted. A second login by the first user under the name of a second user is accepted. Third data is referred, based on first data of the database accessible from the first user and second data of the database accessible from the second user, upon request to refer to the database under the name of the first user or the second user after the first login and the second login are accepted.

Abstract: Systems and methods for identifying potentially illicit purchases, especially in card-not-present transactions. In one implementation, a merchant transaction system comprises a processor and memory. The system receives a transaction request from a customer for a card-not-present sale transaction. The system transmits over an electronic network a transaction risk request message to a transaction risk evaluator, and receives over the electronic network a reply message from the transaction risk evaluator, indicating a level of risk associated with the sale transaction. The system can decide whether to proceed with the card-not-present sale transaction based at least in part on the content of the reply message.

Abstract: A system may include one or more sensors that acquire location information associated with the one or more sensors. The system may also include a processor that receives a first set of data comprising environmental information associated with a location, receives the location information from the one or more sensors, and determines whether a risk of damage to property associated with at least one of the one or more sensors is greater then a threshold based on the location information and the environmental information. When the risk is greater than the threshold, the processor may send a notification including the risk of damage to the property to a computing device that may provide an audio or visual indication of the notification.

Abstract: Systems and methods associated with media hub devices are provided that passively monitor user devices and transmit targeted media through in-channel transmissions that use the same channel used to monitor the user devices, or shifted channel transmissions that are different than the channel used to monitor the user devices. For example, a media hub device may passively monitor customer devices by scanning a wireless communication channel and obtaining device identification information transmitted by a user device that communicates the device identification information via the wireless communication channel. A media hub device may link the user device with a particular user or may anonymously monitor user behavior, through the monitored user device, without explicit knowledge of the identity of the user. Targeted media may be provided to the user device either in-channel using the same channel used to passively monitor the user device or a shifted channel using a different channel.

Abstract: Methods, computer program products, and systems are presented. The method computer program products, and systems can include, for instance: registering a payment URL to a first user in response to receipt of registration data being received from a first user, wherein the payment URL is operative so that when the payment URL registered to the first user is activated by a second user, a web browsing session is commenced in which an electronic payment transaction is facilitated, the electronic payment transaction permitting electronic funds transfer from the second user to the first user; and examining location data of the second user in response to activation of the payment URL by the second user and determining one or more variable data values in dependence on the location data of the second user.

Abstract: Aspects of the disclosure relate to using machine learning algorithms to analyze vehicle operational data associated with a vehicle accident. In some instances, an accident assessment server may receive data indicating that a vehicle was involved in an accident. The accident assessment server may compare the data with other known data, based on machine learning algorithms, to identify whether the accident resulted in a total loss. Responsive to determining that the accident resulted in the total loss, the accident assessment server may request further information regarding the vehicle and may identify a baseline value range for the vehicle. The accident assessment server may request updated information from the owner of the vehicle, identify, based on the updated information, a final value of the vehicle, and may pay the owner of the vehicle an amount corresponding to the final value if the final value is within the baseline value range.

Abstract: A provider network may implement resource management and billing for logical and physical availability zones. Consolidated billing techniques may be applied to the aggregate usage of multiple linked user accounts. A billing setting may indicate whether consolidated billing is performed according to resource consumption in logical availability zones or physical availability zones. Mappings to physical availability zones may be provided to linked user accounts so that computing resources may be consumed according to either logical or physical availability zones. Capacity reservations for computing resources for a particular physical availability zone may be made available to each of the linked user accounts for consumption.

Abstract: The invention discloses a method for operating an e-purse, relating to the information security field. The method includes that a CPU card enters into a contactless induction area of a terminal, is powered up and initialized, receives an operation initializing instruction from the terminal, reads and stores data comprising transaction amount in the operation initializing instruction, and performs the related operation. The operation initializing instruction is a complex loading initializing instruction or a purchase initializing instruction. The data comprises transaction amount.

Abstract: A method and system may analyze the liability of drivers involved in a vehicle crash based on video image data of the vehicle crash. When a vehicle crash occurs, several image capturing devices may transmit sets of video images captured within a predetermined threshold distance and time of the scene of the vehicle crash. The sets of video images may be combined, aggregated, and/or assembled chronologically and spatially to form a compilation which may depict the sequence of events leading up to, during, and immediately after the vehicle crash. Based on the compilation, percentages of fault may be allocated to each of the drivers involved in the vehicle crash and the amount of liability may be assessed for each of the drivers.