Abstract: Disclosed are methods, systems, and devices for identifying anomalous and/or problematic payments based on past payment patterns of a user, past experiences with the user, and the user's circumstances, and implementing intervention mechanisms for proactively resolving account issues before downstream impacts, such as collections calls, inbound calls, and complaints. Anomalous payments may be detected using clustering and prediction. Interventions may include phone calls, emails, notifications, etc. An alert or notification may be sent to the user's mobile application, and various selectable response options suited to the situation may be presented to the user.

Abstract: Systems and methods that facilitate a mobile wallet splitting payments to an invoice between multiple payment accounts are disclosed herein. The mobile wallet can receive an invoice, and then select a set of payment accounts to each pay a portion of the invoice. The mobile wallet can send the payment information to a point of sale device, indicating that the payment include multiple payments from different payment accounts. The point of sale device can then process the multiple payments, either sequentially, or in parallel. In an embodiment, the mobile wallet can receive partial payments from other mobile wallets for the invoice, collect the payments together, and send the payment information at once to the point of sale device for the set of mobile wallets.

Abstract: A system, method, and apparatus for creating and managing smart contracts on a blockchain is provided. A method includes detecting, by the computing system, a code language of the smart contract code, wherein each of a plurality of code languages is associated with at least one of a plurality of blockchain platforms; determining, by the computing system, based at least partially on the code language of the smart contract code, an optimal blockchain platform to deploy the smart contract onto, the optimal blockchain platform being one of the plurality of blockchain platforms associated with the detected code language, the smart contract code capable of being deployed onto two or more blockchain platforms; compiling, by the computing system, the smart contract code based on the determination of the optimal blockchain platform so as to generate smart contract byte code and metadata; and deploying, by the computing system, the smart contract byte code to the optimal blockchain platform.

Abstract: Methods and systems of exchanging data using payment cards with universal reference numbers are disclosed. A merchant computing system includes a merchant input/output assembly receiving a universal reference number from a customer at a point of sale. A merchant database retrievably stores a plurality of universal reference numbers and customer information associated with each of the plurality of universal reference numbers. A transaction circuit receives the universal reference number from the merchant input/output assembly, retrieves customer information associated with the universal reference number, and provides an output relating to a transaction based on the customer information.

Abstract: Disclosed in some examples are devices, systems, and machine readable mediums for establishing peer to peer mobile wallet communications (P2PMW) over short range wireless communication networks. These P2PMW communications allow exchange of information between two wallet clients. Example communications include payments, providing identification, providing loans, and the like. The use of P2PMW communications opens up the prospect of anyone accepting payment from anybody else at any time. All that is needed is a computing device with a mobile wallet. Example short range wireless communications include Wireless LANs (WLAN) such as WIFI (e.g., communicating according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 family of standards), BLUETOOTH® or the like.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for session authentication. In an exemplary embodiment, a session authentication system encodes and decodes a set of quantum bits using different quantum bases in order to generate a random number used to generate a session key or a random seed (e.g., a set of bits that is randomized due to quantum effects such as the principle of quantum uncertainty) for pseudorandom number generation used to establish a secure session. An example system includes decoding circuitry configured to receive, over a quantum line, a set of qbits generated based on a first set of quantum bases not received by the decoding circuitry, and decode, based on a second set of quantum bases, the set of qbits to generate a decoded set of bits; and session authentication circuitry configured to generate a session key based on the decoded set of bits.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of authenticating customers and service agents. The innovation receives a connection request to connect a customer and a service agent. The customer is authenticated for the service agent by matching biometric data of the customer to previously stored biometric data using a biometric recognition algorithm. The service agent is authenticated for the customer by matching a unique identifier to a previously stored unique identifier. A confirmation notification is generated and sent to the service agent and the customer to confirm the authentications. A connection is established between the customer and the service agent according to the authentications and the connection request.

Abstract: Methods, apparatuses, and computer program products are disclosed for securely migrating data between devices. An example method includes receiving a request at a first time for data migration between a first user device and a second user device each associated with a first user. The method further includes retrieving a baseline attribute dataset associated with the first user generated before the first time and generating a first attribute dataset associated with the first user. The method includes authenticating a session between the first user device and the second user device at the first time and causing data transfer between the first user device and the second user device. The method further includes generating a second attribute dataset associated with the first user at a second time after the first time and authenticating the session at the second time based on the first attribute dataset and the second attribute dataset.

Abstract: In general, this disclosure describes techniques for generating and evaluating automatic transcripts of audio recordings containing human speech. In some examples, a computing system is configured to: generate transcripts of a plurality of audio recordings; determine an error rate for each transcript by comparing the transcript to a reference transcript of the audio recording; receive, for each transcript, a subjective ranking selected from a plurality of subjective rank categories; determine, based on the error rates and subjective rankings, objective rank categories defined by error-rate ranges; and assign an objective ranking to a new machine-generated transcript of a new audio recording, based on the objective rank categories and an error rate of the new machine-generated transcript.

Abstract: A method for determining vehicle insurance costs includes receiving a starting location and a destination location for a trip using a vehicle. One or more routes for the vehicle from the starting location to the destination location are received. A cost of insurance is determined for each of the one or more routes for the trip. The cost of insurance for each of the one or more routes for the trip is displayed. A selected route from the one or more routes is received. Operation of the vehicle for the trip is enabled along the selected route.

Abstract: Systems and techniques for semantic graph database capture of industrial organization and market structure are described herein. Electronic market data may be obtained from an electronic data source. A set of entities and corresponding relationships may be extracted from the electronic market data. A property may be determined for each of the relationships. A market graph data structure may be generated using the set of entities. A search query may be received including an identifier of a member of the set of entities. A market graphic may be generated based on a node corresponding to the identifier and a set of edges corresponding to the node. The market graphic may be output in a computer-readable format.

Abstract: A computer-implemented method of completing a transaction comprises receiving, by one or more processors, a request to complete a transaction between a third party and a third party customer. The method comprises providing a first user interface to the third party customer via a customer device associated with the third party customer. The first user interface comprises a plurality of payment options to complete the transaction. The method comprises receiving a selection of one of the plurality of payment options to complete the transaction. The selection comprises a cash payment at a transaction machine. The method comprises generating a second user interface comprising a map that shows locations of a plurality of transaction machines in relation to a current position of the third party customer. The method comprises completing the transaction based on the cash payment being received by one of the plurality of transaction machines from the map.

Abstract: Systems, methods, and computer-readable storage media for locking-in currency exchanges. One method includes providing, by a graphical user interface (GUI) of a wallet application, a customer request, wherein the customer request is a request for a currency transfer between a customer account of the customer to a recipient account of a recipient, wherein the customer account is associated with a first type of currency and the recipient account is associated with a second type of currency, presenting, by the GUI of the wallet application, a locked-in exchange rate for a time limit and data corresponding to the exchange rate and the time limit, exchanging, by the wallet application, an amount of the first type of currency for an amount of the second type of currency based on the exchange rate, and receiving, by the GUI of the wallet application, an indication of a transferred amount for a currency transfer.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems, methods and computer program products that enable transactions requested by a user using a trade asset card. The innovation enables the transactions to be completed in real time or near real time per pre-determined rules and settings, or audited changes to rules and settings, while staying perpetually invested in the user's investment portfolio.

Abstract: A method, apparatus, and system of using native and non-native events to control incentives in a computing environment is provided. A method includes: creating, by a processing circuit, a master account; creating, by the processing circuit, a subordinate account linked to the master account; receiving, by the processing circuit and from the master account, a first task and an associated incentive for the first task; detecting, by the processing circuit, a native or non-native event regarding the first task; and, implementing, by the processing circuit, an action corresponding to the associated incentive based on detecting the native or non-event regarding the first task. Detecting the native event includes receiving a message directly from a device linked to the processing circuit. Detecting a non-native event includes receiving an indication from a user device associated with the subordinate account.

Abstract: Systems and methods for using an information wallet system to deliver a gift and receive, redeem, or re-gift the gift are disclosed. The information wallet system's storage is securely maintained by a financial institution computing system (i.e. a bank) and receives and holds purchase transaction information. Purchase information transaction may be received from a user computing device or an entity computing system, such as a merchant computing system. In one embodiment, a user may purchase a gift through an online website or at a brick and mortar location and direct the gift to be deposited into the information wallet storage of a recipient. A recipient may then continue to hold the gift, redeem the gift, or re-gift the gift to another party.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for generating one or more candidate event material sets. An example method includes receiving an event material generation request. The example method further includes generating one or more candidate event feature sets and one or more candidate event material sets based on the one or more candidate event feature sets. The method further includes providing the one or more candidate event material sets.

Abstract: A computer system is described that is configured to calculate probable risks of assets being transferred away from an institution that is currently holding the assets. In order to reduce transfers of assets from an institution, the computer system is configured to predict a likelihood of transfer of the asset from the institution based on the client data. The computer system is configured to predict a risk of transfer of the asset that takes into account the value of the asset. For example, particular higher value assets may be more valuable to the financial institution than other assets given a comparable likelihood of transfer. The computer system is further configured to propose and/or prioritize actions, such as potential advising opportunities, to minimize the risk of transfer of the asset from the financial institution.

Abstract: A two-way cash recycler system includes a vault having a plurality of media cassettes, an first input/output panel having a first media aperture on a first side, a second input/output panel having a second media aperture on a second side, a transport system disposed between the first side and the second side. The transport system includes a pass-through pathway structured to transport transaction media between the first media aperture and the second media aperture, a concurrent use pathway structured to transport transaction media from at least one of the first media aperture and the second media aperture to the vault, and a dispense pathway structured to transport transaction media from the vault to at least one of the first media aperture and the second media aperture.

Abstract: A method may include ingesting a plurality of sources files from a plurality of infrastructure assets; inputting the plurality of source files into a cognitive computing engine (CCE); receiving an output from the CCE, the output indicating a plurality of relationships between the infrastructure assets; and updating a data store based on the plurality of relationships.