Abstract: A system and method for making proceeds of a transaction available to a user before the transaction is completed is provided. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. In example embodiments, a request from a first entity to conduct a transaction involving a first value is received. Funds of the transaction are caused to be released prior to the transaction clearing a financial institution. Based on the transaction being rejected by the financial institution, at least a portion of the first value is charged against a credit source.

Abstract: A system and method for making funds of a transaction available to a user before a funding entry clears is provided. The system may be part of an on-line system configured to facilitate payments or fund transfers from users. In example embodiments, a transaction request from a user is received. A risk score indicating a perceived risk involved with releasing funds before the funding entry clears is computed. Funds of the transaction are caused to be released prior to the funding entry clearing a financial institution based on the risk score exceeding a transfer threshold.

Abstract: A system and method for making funds of a transaction available to a user before a funding entry clears is provided. The system may be part of an on-line system configured to facilitate payments or fund transfers from users. In example embodiments, a transaction request from a user is received. A risk score indicating a perceived risk involved with releasing funds before the funding entry clears is computed. Funds of the transaction are caused to be released prior to the funding entry clearing a financial institution based on the risk score exceeding a transfer threshold.

Abstract: A hardware random number generator (RNG) (10) comprises a source of entropy (12) for providing a bit stream (DIS) comprising successive bits of a first state and a second state and a first digital corrector circuit (28). The first circuit being configured to provide from two successive bits in the bit stream an output bit of an output bit stream (34) according to a first scheme to ensure that bits in the output bit stream (34) are independent from one another. A serially connected second digital corrector circuit (28) ensures that the bits in the output bit stream are also unbiased, so that the output bit stream is truly random. A Gaussian generator 40 connected to an output of either the first corrector or the second corrector generates from the output bit stream (34) words having standard Gaussian deviates.