Abstract: Method, systems, and apparatus for processing a payment transaction includes determining that a network connection between a first destination in a payment system and a second destination in a payment system does not satisfy a latency threshold; receiving data indicating a payment transaction between a customer and a merchant; determining whether the payment transaction should be stored, where the determining is based on a risk algorithm model that considers risk factors associated with data regarding the payment transaction, risk factors associated with data regarding the customer, and risk factors associated with data regarding the merchant; if the payment transaction should be stored: storing the payment transaction for future processing; displaying an indication that the payment transaction has been successfully processed; if the payment transaction should not be stored: attempting to send a request for authorization for the payment transaction at a payment service system included in the payment system.

Abstract: Disclosed systems and methods estimate a financial cost to remedy estimated damage to a building. A controllable inspection vehicle, such as an aircraft, may capture one or more images of the building. The one or more images may be utilized to generate a model of the building, which can be analyzed to estimate the damage to the building.

Abstract: Systems and methods for routing debit transactions. In one embodiment, a method for routing debit transactions can be provided. The method can include obtaining, by a routing determination system comprising one or more computers, information associated with a proposed debit transaction. The method can also include identifying, by the routing determination system based at least in part upon the obtained information, one or more merchant parameters associated with a merchant on whose behalf the proposed debit transaction will be submitted to a transaction processor. Further, the method can include determining, by the routing determination system based at least in part upon the one or more merchant parameters, a debit transaction network for routing the proposed debit transaction to the transaction processor, wherein the debit transaction network is included in a plurality of available debit transaction networks.

Abstract: This disclosure describes systems, methods, and computer-readable media related to biller-initiated electronic billing activation. A biller system associated with a biller may receive entity information associated with an entity requesting to establish a biller account with the biller. The biller system may generate the biller account. The biller system may generate an electronic billing activation request. The biller system may transmit to a service provider system associated with an electronic bill presentment and payment (EBPP) service provider, the electronic billing activation request and receive a confirmation of processing of the electronic billing activation request.

Abstract: Embodiments of the present invention disclose utilizing a token associated with a payment device. Particularly, embodiments of the present invention may create a single token for use by a plurality of users on one or more of the payment devices of each user. The token may be made available for use by various users that can be added and removed as the group of users associated with the token changes. The token may be associated with various types of accounts, such as but not limited to a business account from a business client, a retail account from a retail client, or other like clients. In some embodiments the token may be associated with a specific account that already has funds in the account, or the token may be associated with a specific account that is unfunded or a new account that the users associated with the token may fund.

Abstract: In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet application is disclosed that utilizes, at least in part, user specific data to generate a payment vehicle recommendation for different transactions. The user specific data may include the active user profile, prior payment vehicle usage, user preferences for the type of transaction, user location, rewards programs associated with use of one or more payment vehicles, or the like, or combinations thereof.

Abstract: A map-based interface can be used to enable a user to provide another person with funds that can be used at a particular location. In at least some embodiments, a user can select one or more buildings, locations, establishments, or other such locations and indicate an amount of money that another person is authorized to spend at that location. The funds can be provided by the user using any appropriate mechanism, such as a credit card or back account. The recipient of the funds can use information in a portable device of the user to authenticate the recipient to an establishment, which can use the dual-key information of the recipient identity and establishment location to obtain authorization to utilize the designated funds as at least partial payment for a transaction of the recipient at that establishment.

Abstract: Methods, systems, and articles of manufacture consistent with the present invention provide for managing a customer asset, which is a hardware or software component of a remote customer device, in a data processing system having an offering platform program. The customer asset's identity and location are received from an offering. The customer asset is located on the remote customer device using the received customer asset's identity and location. A file system is locally implemented for the customer asset. Information is provided to the customer asset via the locally implemented file system.

Abstract: A digital wallet bill management system runs on centralized processors in operative communication with databases and in networked communication with digital wallet applications, computerized billing systems and payment gateways. Code snippet activators are provided to customers running digital wallet applications on their respective electronic devices. When customers activate the code snippet information, the digital wallet bill management system produces biller e-cards for the digital wallet applications, linking customer accounts to the billing system for the respective customers. The code snippets include biller codes, customer codes and URL addresses, and the system matches the codes with data stored in the database for the respective biller and customer and transmits the biller e-card information to the respective electronic devices for the digital wallet application.

Abstract: The method, system, and computer-readable medium facilitates monitoring a vehicle operator during the course of vehicle operation to determine whether the vehicle operator is in an emotionally impaired state (e.g., aggressive or agitated) and presenting appropriate stimuli (e.g., music or sound recordings) to the vehicle operator when impairment is detected. The vehicle operator, the environment surrounding the vehicle, or forces acting on the vehicle may be monitored using a variety of sensors, including optical sensors, accelerometers, or biometric sensors (e.g., skin conductivity, heart rate, or voice modulation). When the vehicle operator is determined to be in an emotionally impaired state, stimuli are selected to improve the emotional state of the vehicle operator. The selection is based on sensor data and data regarding prior responses of the vehicle operator to various stimuli. After selection, the stimuli are presented to the vehicle operator while monitoring continues.

Abstract: Systems and methods are provided for credit dispute processing, resolution, and reporting. Credit dispute resolution requests may be received, processed, and sent to a credit bureau for submission to creditors. Status of credit dispute resolutions may be reported to consumers. If a creditor's response time is longer than its average response time or if a creditor does not respond to a credit dispute resolution request within a regulatory response period, alerts and reports may be sent to consumers to provide consumers with further options.

Abstract: An embodiment provides a real-time or dynamic collaborative computer data collection form prototype builder. An embodiment integrates several concepts in order to streamline the computer data collection form development process. In an embodiment a dataset is used to collect data entry form requirements and attributes about the user interface which are used by a program to render a computer data collection form. Change implementation is facilitated by permitting changes in the underlying data set to be reflected in the computer data collection form, e.g., as re-rendered by the system.

Abstract: Disclosed systems and methods estimate a financial cost to remedy estimated damage to a building. A controllable inspection vehicle, such as an aircraft, may capture one or more images of the building. The one or more images may be utilized to generate a model of the building, which can be analyzed to estimate the damage to the building.

Abstract: Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.

Abstract: Embodiments of system are disclosed in which selection strategies for a direct marketing campaign that identify consumers from a credit bureau or other consumer database can be planned, tested, and/or refined on a stable subset of the credit database. In some embodiments, once refined, consumer selection criteria may be used to execute the direct marketing campaign on the full consumer/credit database, which is preferably updated approximately twice weekly. In one preferred embodiment, the data for the test database represents a random sampling of approximately 10% of the full database and the sampling is regenerated approximately weekly in order to provide a stable set of data on which campaign developers may test their campaign. For each consumer in the sampling, the environment may allow a client to access and use both attributes calculated by the credit bureau and proprietary attributes and data owned by the client.

Abstract: Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and generate an estimate of financial damages to the object. The device may then generate a claim assessment based on previous comparisons and generated estimates. The claim assessment may be sent directly to a client or to an agent for review and/or processing.

Abstract: Systems and methods are provided for credit dispute processing, resolution, and reporting. Credit dispute resolution requests may be received, processed, and sent to a credit bureau for submission to creditors. Status of credit dispute resolutions may be reported to consumers. If a creditor's response time is longer than its average response time or if a creditor does not respond to a credit dispute resolution request within a regulatory response period, alerts and reports may be sent to consumers to provide consumers with further options.

Abstract: Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and generate an estimate of financial damages to the object. The device may then generate a claim assessment based on previous comparisons and generated estimates. The claim assessment may be sent directly to a client or to an agent for review and/or processing.

Abstract: The invention provides a method and system that performs transaction processing using a payment bookmark that is associated with a user bookmarked link. The system includes a computer processor constituted by a communication portion; a database; and a bookmark processing portion. The communication portion interfaces with the user to input selection of a payment bookmark, and upon selection of the payment bookmark, the computer processor invoking the bookmark processing portion, and the payment bookmark being mapped to the user bookmarked link (UB link) stored in the database. The UB link is constituted by UB link data, and the UB link data including core link data. The bookmark processing portion performs processing to retrieve available transaction data to append to the core link data of the UB link. The bookmark processing portion outputs the UB link including the UB link data to a server over a network.

Abstract: Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and generate an estimate of financial damages to the object. The device may then generate a claim assessment based on previous comparisons and generated estimates. The claim assessment may be sent directly to a client or to an agent for review and/or processing.