Abstract: The present invention provides a method, system and software that provide a predictive model responsive to the correlation of news articles to stock price movement. The invention analyzes the derivative or ratio of events to drive predictions in a responsive manner. The invention considers derivatives or ratios of news meta-data within a small window in the past relative to a larger window of news items in the past. The invention may use a sentiment engine and apply the derivative of sentiment to predict volatility and/or trend direction of price of a security. The invention may look to the content, context, and derivative of sentiment to weigh news stories according to a predetermined taxonomy factoring in recency, criticality, repeatedness, trustworthiness, etc. to predict stock price behavior. Also, the invention may be used to forecast events given stock price movement and news to predict an impending story or release of significance.

Abstract: The disclosure provides an early notification system to alert a driver of an approaching unsafe autonomous or semi-autonomous driving zone so that a driver may switch vehicle to a non-autonomous driving mode and navigate safely through the identified location. In response, to a determination of an upcoming unsafe autonomous or semi-autonomous driving zone, the driver or system may take appropriate actions in response to the early notification.

Abstract: A method of presenting transactions to a user via a client device for review. Each of the transactions and transactions details are presented in a transaction cell. The user swipes the corresponding transaction cell, thus assigning the associated transaction to a category. In detecting a swipe across a transaction cell, a temporary (yet visible) pause of the swipe interaction is performed, alongside the presentation of an action prompt within the transaction cell directed to performing actions relevant to the transaction. Constrained by a swipe pause timer (SPT), the user is provided a short time window in which to engage the action prompt in order to pursue the actions disclosed by the action prompt. If engagement of the action prompt is not pursued by the user prior to the elapsing of the SPT, the swipe interaction proceeds without hindering the speed with which the user typically reviews a transaction.

Abstract: This disclosure describes techniques that include use of a distributed ledger to arrange for and/or initiate provisioning of network services, and also to validate payment for such network services. In one example, this disclosure describes a method that includes modifying, by a computing system, a distributed ledger maintained by a consensus network to implement a smart contract that is configured to generate, in response to receiving a request for network services, a provisioning request; receiving the provisioning request, by the computing system and from a computing device on the consensus network that is executing the smart contract, wherein the provisioning request includes information describing requested network services; and provisioning, by the computing system and based on the information describing the requested network services, network services.

Abstract: The present disclosure relates to a transaction processing system and a method for sharing expenses among multiple peers using a dual-chip payment card. The method includes receiving a request for creating a temporary pool session for a plurality of users from one of the plurality of users having a dual-chip payment card. In response to the request, the method includes creating the temporary pool session, holding a proportional credit amount of each of the plurality of users. Subsequently, the method includes associating the temporary pool session with a secondary chip of the dual-chip payment card of at least one of the plurality of users. Finally, the method includes processing one or more transaction requests received through the secondary chip of the dual-chip payment card of at least one of the plurality of users, using the temporary pool session.

Abstract: Methods, systems, and apparatus for automatically obtaining tax documents. The system includes a taxpayer client device and a server configured to automatically identify tax return items associated with the taxpayer by analyzing a prior year tax return. The server is configured to generate a list of tax return items including the automatically identified tax return items. The server is configured to receive, from the taxpayer client device, authentication data for a third party database. The server is configured to access the third party database using the authentication data. The server is configured to receive a document from the third party database and automatically determine whether the document corresponds to a tax return item from the list of tax return items. The server is configured to automatically store the document when the document corresponds to one of the tax return items from the list of tax return items.

Abstract: Systems for helping a user manage external party-activity software objects by using machine-readable indicia. In one embodiment, an exemplary computer-implemented method may comprise receiving a first request to link a digital profile of the application end user associated with the entity with a third-party entity. In response to receiving the first request, the second request is sent to a second server associated with the third-party entity, and a third request is received from the application end user for accessing at least one user-related external party-activity software object via the first server by using machine-readable indicia.

Abstract: System(s), method(s), and device(s) that generate and use single-use financial account card numbers (SUFACNs) to facilitate secure processing of financial transactions are presented. A user registers a financial account(s) with a financial transaction platform (FTP), a user profile comprising user-related information is created, and a personal identification number (PIN) is associated with the user. When making a purchase locally or online, the user's portable communication device (PCD) accesses the FTP via an application or web site, the PCD synchronizes with the FTP, and the PCD and FTP each respectively generate the same SUFACN(s) based in part on time of generation and PIN. The SUFACN is presented to the seller's register component via scanning (e.g., when SUFACN is a barcode) or entering the SUFACN. The register component sends the SUFACN to the FTP, which interacts with the user's financial account(s) to facilitate payment.

Abstract: A parcel processing system configured to support automated parcel processing. For example, the system can be configured to select a permitted shipping service level from among the plurality of permitted shipping service levels based on a plurality of rules, control the sorting of the parcel into one of a plurality of shipping containers, and bill customers.

Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information includes a data payload related to the funds transfer. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The information, including the data payload, is transmitted by via the account verification service computer system to the paying bank for use by the payor.

Abstract: In systems and methods for accident scene reconstruction, accident data associated with a vehicle accident involving a driver may be collected. The accident data may include vehicle telematics and/or other data, and/or the driver may be associated with an insurance policy. The accident data may be analyzed and, based upon the analysis of the accident data, a sequence of events occurring before, during, and/or after the vehicle accident may be determined. Based upon the determined sequence of events, a virtual reconstruction of the vehicle accident and/or a scene of the vehicle accident may be generated. The virtual reconstruction may include images of vehicles and/or road, weather, traffic, or construction conditions at the time of the accident. Based upon the virtual reconstruction, fault of the driver, or lack thereof, for the accident may be determined. The determined fault may be used to handle an insurance claim associated with the vehicle accident.

Abstract: A computing device programmed to receive and use event data, such as hurricane, earthquake, fire, flood, and storm event data, and map that data to computer display map along with insured data related to an insurance portfolio that can also be mapped by geographic area and value, so that a user can quickly determine the exposure to a portfolio from an event. The event can be either a real-time event or a historical event.

Abstract: Systems, methods, and computer-readable storage media are provided for authorizing a trading algorithm prior to execution of the trading algorithm. An example method includes receiving a trading algorithm definition associated with a unique identifier and sending the unique identifier to an algorithm server that is operable to execute programming code representing the trading algorithm. The unique identifier may be associated with a trader authorized to execute the programming code. The algorithm server may check the unique identifier prior to execution of the programming code to ensure that the trading algorithm has been authorized.

Abstract: Methods and systems for fault tolerant token based transactions are described. A user may perform a transaction with a mobile device. The mobile device may be in an offline mode or may be lacking a network connection to servers or cloud devices of a mobile payment system. The transaction may be processed through a transaction device, which may aid in the sending and receiving of transaction data while the mobile device is in the offline mode. The transaction device may communicate with the server or cloud device and the server or cloud device may process the transaction and communicate with the transaction device, which may forward data from the server or cloud device to the mobile device.

Abstract: An offline transaction implementation method includes: determining, by a payment server in response to a request of a user for registering with a credit transaction service of a merchant, whether credit information of a user account meets a condition, provisioning the credit transaction service of the merchant for the user account when determining that the credit information of the user account meets the condition, and sending account information of the user to a merchant transaction management system; guiding, by the merchant transaction management system after receiving the account information, the user to input a biometric characteristic, and after collecting the biometric characteristic input by the user, storing a binding relationship between the biometric characteristic and the account information into a registered user library of the merchant, prompting the user that the registration succeeds, and controlling a gate of the merchant's store to open for allowing entry of the user.

Abstract: A computer-implemented method of communicating payment data. The method includes receiving at a server, via a digital communication network, payment data transmitted from a first computing device that is connected to a peer-to-peer network and not in direct communication with the server. The payment data is received directly from a first peer computing device that is in communication with the peer-to-peer network and the server. The method also includes, at the server, analyzing, via one or more processors, the payment data to determine a payment response message. The method also includes transmitting from the server, via the digital communication network, the payment response message to a second peer computing device that is in communication with the server and in communication with the peer-to-peer network. The payment response message is communicated from the second peer computing device to the first computing device through the peer-to-peer network.

Abstract: A device implementing a system for preventing duplicate wireless transactions includes a wireless communication controller that is configured to receive a signal for conducting a wireless transaction with a wireless transaction terminal. The wireless communication controller is further configured to determine whether a transaction type of the wireless transaction is associated with a signal strength threshold. The wireless communication controller is further configured to measure a signal strength associated with the wireless transaction upon determining that the transaction type of the wireless transaction is associated with the signal strength threshold. The wireless communication controller is further configured to prevent the wireless transaction from completing when the transaction type of the wireless transaction is associated with the signal strength threshold and the measured signal strength fails to satisfy the signal strength threshold, otherwise allow the wireless transaction to complete.

Abstract: A method of managing a cardless payment transaction between a customer and a merchant includes receiving, from a device of a customer, an indication of consent to join the customer to a cardless payment transaction, where the cardless payment transaction is between one or more other customers and the merchant; receiving from the customer device, location data indicating that the customer device is in proximity with the merchant; joining the customer with the cardless payment transaction between the one or more other customers and the merchant; receiving transaction data between the merchant and each customer; and submitting, for each customer associated with the cardless payment transaction, a transaction between the merchant and the customer to a financial service for authorization.

Abstract: A vehicle transfer system provides a transaction interface that is displayed as part of a web page for a vehicle on a vehicle dealer's website. The transaction interface allows a customer to perform a vehicle transfer transaction on the dealer's website. The system can facilitate multiple financing methods for the transaction. If the transaction is financed with a loan, the system can request loan offers for a plurality of different loan terms and down payment amounts, and then provide a loan selection interface, which allows the customer to select a loan term and down payment amount and then displays the loan offers matching the customer's selections. If the transaction is financed with a lease, the system can perform a leasing calculation that solves for a balancing point between the total upfront capital that is available to the customer and the total expenses due at lease signing.

Abstract: Performing transactions using virtual card values is disclosed, including: generating a virtual card value corresponding to a transaction; sending a request to a card management server, wherein the request includes the virtual card value and a transaction amount corresponding to the transaction; receiving an indication from the card management server that the virtual card value and the transaction amount have been successfully stored; generating a merchant-related locator based at least in part on identifying information associated with a merchant server and the virtual card value; sending the merchant-related locator to a client device; and receiving, from the card management server, a request to transfer the transaction amount from a user account associated with a cardless payment server to a funds account associated with the merchant server.