Abstract: Systems including purpose-configured controllers that securely separate—functionally, structurally, or physically—data acquisition, validation, and aggregation operations from data distribution operations associated with completing and distributing an insurance application to insurance carriers.

Abstract: The invention relates to creating a secure, decentralized, cloud-based network or physical/virtual infrastructure that enables the payments industry to redefine payment processing and information sharing. The innovative network addresses key pain points by reducing payment delays and touch points, realizing faster and comprehensive payment tracking, real-time sanctions, AML and fraud management tools.

Abstract: The invention relates to creating a secure, decentralized, cloud-based network or physical/virtual infrastructure that enables the payments industry to redefine payment processing and information sharing. The innovative network addresses key pain points by reducing payment delays and touch points, realizing faster and comprehensive payment tracking, real-time sanctions, AML and fraud management tools.

Abstract: A network node includes at least one processor, at least one memory, and at least one network interface. The network node is configured to be within a plurality of network nodes communicatively coupled in a peer-to-peer network of network nodes implementing a distributed ledger. The network node is configured to be communicatively coupled to at least one remotely located computing device through the at least one network interface. The at least one processor is configured to determine a split ratio for a new split of security tokens held in at least one address of the distributed ledger. The at least one processor is also configured to store an indication of the split ratio without updating token balances for all of the at least one address in a list of addresses holding at least one of the security tokens.

Abstract: A computer implemented method for cross asset correlation includes receiving, by a processor, portfolio data for a plurality of portfolios, determining, by the processor, a single portfolio performance vector for each of the plurality of portfolios based on a portfolio specific model, determining, by the processor, a joint portfolio performance vector for the plurality of portfolios based on portfolio specific models, determining, by the processor, for each portfolio, a portfolio specific scalar based on the single portfolio performance vector and the joint portfolio performance vector; and modifying, by the processor, a portfolio risk based on the portfolio specific model and the portfolio specific scalar.

Abstract: Methods, apparatuses, and computer program products are disclosed for effectuating payment for consumable content. An example method includes receiving a request for payment associated with a content source device and identifying a first user device associated with a first user accessing consumable content of the content source device. The method further includes transmitting an actionable payment notification to the first user device. In an instance in which the computing device receives responsive authorization from the first user device, the method includes transmitting a first real-time payment to the content source device. In an instance in which the computing device fails to receive responsive authorization from the first user device, the method includes causing access of the consumable content to the first user device to halt.

Abstract: A transaction displaying method includes obtaining data associated with a transaction from a server, where the data includes data associated with one or more displaying groups and data associated with one or more displaying objects in each of the displaying groups. The method further includes, subsequent to the obtaining the data, detecting that the transaction is triggered, selecting, responsive to the detecting, a displaying group from the data, selecting a displaying object in the selected displaying group for display, and displaying the selected displaying object.

Abstract: Systems and related methods for facilitating payments via a consumer device carried by a consumer are discussed herein. Wallet identifying tokens may be used to secure messages between the consumer device and the merchant device over a wireless link. For example, the merchant device may include circuitry configured to wirelessly receive a wallet identifying token from a consumer device and to transmit the wallet identifying token to the central system. In response, consumer identifying data associated with the wallet identifying token may be received by the merchant device from the central system. In some embodiments, payments may be secured via limiting the lifetime of wallet identifying tokens after initial use.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media can be used to facilitate information and access to accounts. One of the methods includes in response to determining that a user has reported a card associated with an account as lost or stolen, providing a user interface option to associate the account with a digital wallet. The method includes in response to receiving a request from a user associating the accord with the digital wallet absent associating a card associated with the account with the digital wallet.

Abstract: A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device.

Abstract: A method may include obtaining unpaired transactions each including a transaction ID, an entity ID, and attributes that each correspond to an attribute type, deriving transaction groups by grouping the unpaired transactions using their entity IDs, and dividing a transaction group into a first transaction subgroup and a second transaction subgroup. The method may further include constructing a tree for the first transaction subgroup based on an attribute type, and matching a first transaction of the first transaction subgroup with a second transaction of the second transaction subgroup by searching the tree while applying a matching criterion to the transactions of the second transaction subgroup. The matching criterion may correspond to the attribute type. The method may further include: forming a matched transfer pair including the entity ID of the transaction group, the transaction ID of the first transaction, and the transaction ID of the second transaction.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, devices, and processes that, among other things, dynamically provision exchanges of data based on detected relationships within processed image data. For example, a network-connected apparatus may receive, from a device, image data that identifies a plurality of individuals associated with an exchange of data. Based on an analysis of the image data, the apparatus may determine a value of a first characteristic associated with each of the individuals and generate relationship data characterizing a relationship between the individuals. The apparatus may also determine candidate values of parameters that characterize the data exchange based on portions of the first characteristic values and the relationship data, transmit the candidate parameter values to the device. An application program executed by the device may cause the device to present at least a portion of the candidate parameter values within a digital interface.

Abstract: A computer implemented method includes receiving content to present to a user where the content does not include results of a universal product code search request, a constructive notice discovery engine determining that at least a portion of the content includes an intellectual property mark owned by a publicly traded company located near constructive notice language, retrieving a ticker symbol corresponding to the publicly traded company, and presenting the content to the user with at least one option to the user for performing at least one operative function corresponding to the ticker symbol.

Abstract: A method includes receiving selection of an audible audio clip by a user, receiving transaction details including an indication of an amount and an identification of an account number associated with the user and corresponding to a pre-staged transaction, encoding the transaction details into an inaudible audio clip, and combining the audible audio clip and the inaudible audio clip into a transferrable audio file that when played, identifies the pre-staged transaction for execution. The pre-staged transaction may be initiated by receiving an audio rendering of the audio file, determining a duration and a size of the audible portion, decoding the inaudible portion to determine transaction details, including an amount and account identification, and the duration and size of the audible portion, validating the transaction based on the decoded and determined duration and size of the audible portion matching, and executing the transaction responsive to validation and the decoded transaction details.

Abstract: An electronic bill management method performed in an electronic bill management system is provided. A bill issuance request of a first user including original bill information is received. A first bill account corresponding to the first user is generated based on the original bill information, and account information of the first bill account is stored to an account table in the electronic bill management system. A second block is generated based on the bill issuance request, the first bill account, and a block header eigenvalue of a first block in a block chain in the electronic bill management system. The first block is a previous block of the second block in the block chain, and a bill issuance event of the first user is recorded based on the second block. An issuance success message is transmitted to the first user, the issuance success message including the first bill account.

Abstract: Purchase assistance is provided to a user based on user device location and direction. Input to a user device, identifying a product or service of interest, can be received. Next, a location of the user device is determined, and one or more providers of the product or service are identified in proximity to the location of the user device. Direction information of the user device is determined by ascertaining a compass orientation of the user device or a direction vector of movement of the user device. Subsequently, providers are identified based on the direction information and presented to a user on a display of the user device. Further, an offer associated with the product or service, such as a finance offer, can be generated and presented with the providers on the display.

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 loan is credited and a behavioral profile is generated based on the consumer check-ins and location and correlating periodic location patterns to loan and transactional activities.

Abstract: Methods and apparatus, including computer program products, implementing and using techniques for identifying pathways in a graph of interconnected nodes. A time series of graph data is captured, which corresponds to events occurring at different nodes in the graph. The graph is traversed to identify consistent and variable pathways, respectively, within the graph. The identified pathways are scored according to a particular feature to establish an expected variance model for the events contained within the graph. Newly received data are compared against the expected variance model to determine a degree to which the newly received data deviates from the expected variance. The variance model is adjusted based on the newly encountered data.