Abstract: Computer systems and methods for generating portable and data-agnostic annuity datasets are disclosed where a central server generates multiple instructions to receive annuity dataset data records, participant attributes, and annuity attributes for a plurality of annuity datasets from employer servers and recordkeeper servers; integrates different annuity datasets by mapping the data fields of each respective annuity dataset and creating uniform data-agnostic annuity datasets; continuously monitors a performance value for each data-agnostic annuity dataset; and dynamically modifies recordkeepers when the performance value of annuity datasets do not satisfy a pre-determined threshold by modifying recordkeeper data records.

Abstract: The various embodiments described herein include methods, devices, and systems for remote document validation.

Abstract: A computing device may include a memory and a processor configured to cooperate therewith to operate a virtual share exchange (VSE) platform by establishing member sharing accounts on the VSE platform for respective members of the VSE platform for sharing payment of member healthcare bills across a plurality of the member sharing accounts, establishing healthcare provider accounts on the VSE platform for healthcare providers issuing the member healthcare bills, and receiving member healthcare bills issued by the healthcare providers and establishing a virtual bill account on the VSE platform for each member healthcare bill submitted for payment sharing. The virtual bill account may be externally addressable through a routing number and a unique account number associated therewith. The processor may further electronically transfer funds between the sharing accounts and to the healthcare provider that issued the member healthcare bill using the externally addressable routing number and unique account number.

Abstract: Methods and systems described in this disclosure are directed at developing a life planner for a user based on data collected from various data sources. The life plan is displayed using a timeline that includes events generated from the collected data. As additional data is received, the timeline is updated to reflect the changes or additions to the data. In some embodiments, the life plan includes recommendations and predictions pertaining to a financial plan for the user based on his or her expenses and income.

Abstract: Implementations of the present specification disclose mobile payment methods, apparatuses, and devices. In one aspect, the method includes: monitoring, by a terminal device that is in lock screen mode, outputs of one or more sensors of the terminal device; determining that the outputs of the one or more sensors satisfy first specified criteria indicative of one or more particular body movements; in response to determining that the outputs of the one or more sensors satisfy the first specified criteria, displaying, on the terminal device, a payment processing interface; receiving an input through the payment processing interface; and executing a payment service based on the input.

Abstract: A method includes receiving a message comprising a user identification code via a social media messaging channel. In addition, the method includes receiving geo-location information of the device transmitting the message. The method also includes verifying the user identification code by confirming that the geo-location information complies with stored expected geo-location information. The method also includes accessing data associated with a transaction account linked to the user identification code based on the content of the message. The method further includes transmitting a reply to the received message on the social media messaging channel.

Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a machine learning model and a credit value model to generate user interface elements that present credit values and credit value conditions in real time for user accounts. For instance, the disclosed systems can generate an activity score using an activity machine learning model with internal user activity data of a user account. Then, utilizing a credit value model with the activity score and a user activity condition, the disclosed systems can determine a dynamic credit value range for the user account. Indeed, the disclosed systems can display user interface elements with selectable credit values from the dynamic credit value range. Additionally, the disclosed systems can utilize the credit value model to determine and display one or more dynamic credit value conditions for a selected credit value received from the selectable credit values.

Abstract: An example operation may include one or more of a computer storing a first set of received data analytics in a blockchain, the first set associated with a subject matter. The operation further comprises the one or more computer storing a second set of received data analytics in the blockchain, the second set associated with the subject matter. The operation further comprises the one or more computer deriving and storing in the blockchain a first set of metrics based on analysis of the first set of analytics processed with the second set of analytics. The operation further comprises the one or more computer storing a third set of received data analytics in the blockchain, the third set associated with the subject matter, and deriving and storing a second set of metrics based on analysis of the first set of metrics processed with the third set of data analytics.

Abstract: A method and device for processing a transaction request in a blockchain, an apparatus and a medium are provided, which are related to blockchain technology. The method includes: determining at least one transaction request set according to one or more dependency relationships among one or more transaction requests in a blockchain network; and determining a target transaction request set from the at least one transaction request set, to generate a block by performing one or more transaction requests in the target transaction request set. Reasonability of a blockchain node in selecting a transaction request during a block generation process may be improved.

Abstract: The present embodiments relate to systems and methods for using a blockchain or shared ledger to generate Usage-Based Insurance quotes for a vehicle tracked over its lifecycle according to a Vehicle Identification Number (VIN), or other vehicle identifier. A mileage report stored on the shared ledger may be searched according to the vehicle's VIN and a Usage-Based Insurance quote may be generated based upon the mileage report. Periodic updates to the mileage report may be broadcast to the blockchain in transactions that updated the shared ledger. An estimated vehicle usage may be determined based upon the cryptographic proof of the blockchain and a Usage-Based Insurance quote generated thereon.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, to present a video. One of the methods includes obtaining loan transfer information for a user. The method includes selecting non-personalized content, at least some of the non-personalized content selected based on the loan transfer information. The method includes generating a user specific video using the loan transfer information and the selected non-personalized content. The method also includes providing the user specific video to the user.

Abstract: A fraud detection model is used by a computer system to evaluate whether to grant a request to access a secure electronic resource. The fraud detection model is generated by the computer using a plurality of previously received requests. Each request is associated with a sender account of the computer system and a recipient account to which the computer system previously sent a message containing a link to the secure electronic resource.

Abstract: Disclosed is a system and method for incentivizing participants on an electronic trading venue to post competitively priced bids or offers onto that venue. Participants that post such bids and offers are rewarded by a venue implementing the invention by being sent more frequent (and/or enhanced) market data updates over participants who do not, while those bids and offers remain active and competitive. Participants that receive more frequent market data updates from a venue may have an informational advantage in their trading over those participants that receive less frequent updates.

Abstract: According to embodiments, systems and methods for tracking gift card usage improve the speed and efficiency of anomalous transaction detection. Individual transaction data is enriched to form parent records that include indicators that the card is being used outside of established usage criteria or in a way that is otherwise abnormal. Machine learning can improve upon anomalous transactions more quickly using this enriched, parent-level information.

Abstract: An orchestration platform processes transaction requests. The processing includes a series of processing steps. Advices are applied to extract status information before and after execution of at least some of the processing steps. The extracted status information is provided to a transaction monitoring system that provides a user interface for monitoring transaction status. When exceptions occur in transaction processing, the user interface may enable additional information to be provided that addresses the transaction to enable transaction processing to resume.

Abstract: Aspects described herein may allow for receiving authorization allowing monitoring a user's spending account. A base-line spending profile and a dysfunctional spending profile for the user are established. When notification of a pending purchase transaction is received, a determination is made as to whether the pending purchase transaction is in accordance with the base-line spending profile of the user. If the pending purchase transaction is in accordance with the base-line spending profile of the user, the pending purchase transaction is allowed, however, if the pending purchase transaction is not in accordance with the base-line spending profile of the user, then a temporary secondary approval may be instituted for a predetermined period of time and a secondary approval person is electronically notified that their approval is required before allowing the pending purchase transaction to be made using the spending account of the user.

Abstract: An exemplary system includes a blockchain system that includes a blockchain, a smart contract template, and a smart contract generated based on the smart contract template, the smart contract executable to facilitate, by way of the blockchain, exchanges between parties to the smart contract. The system further includes an interface system communicatively coupled to the blockchain system and configured to perform a set of operations to provide an interface to the blockchain system, the set of operations including receiving a user input from an application executed on a user computing device, translating the user input to a call to the blockchain system, and issuing the call to the blockchain system. The blockchain system is configured to perform, based on the call and the smart contract, an action on the blockchain that represents an exchange between the parties to the smart contract.

Abstract: Embodiments are disclosed for automatically processing a claim provided by a user. Responsive to receiving a notice of loss associated with a claim of a user, a set of customer identity validation data are collected. The set of customer identity validation data may be determined to meet a pre-defined identity validation criteria. Responsive to determining that the set of customer identity validation data meets the pre-defined identity validation criteria, current claim evaluation data for the claim may be accessed. A set of predictive impact assessment scores associated with the current claim evaluation data may be determined using a predictive model. The set of current claim evaluation data may be determined to meet pre-defined claim data criteria by comparing the predictive impact assessment scores with a set of impact assessment thresholds. Responsive to determining that the set of current claim evaluation data meets the pre-defined claim data criteria, a reactive action to the claim may be determined.

Abstract: Provided is a method for providing installment payment options for a payment transaction. The method may include communicating, to a customer device, installment payment data associated with a plurality of installment payment options. A first authorization request for a payment transaction with a customer may be received from a merchant system. The first authorization request may include at least one field including first installment payment data associated with a first installment payment option. A first lender system associated with the first installment payment option may be determined. A second authorization request, which may include the first installment payment data, may be communicated to the first lender system. An authorization response may be received from the first lender system indicating approval of the first installment payment option for the payment transaction. The authorization response may be communicated to the merchant system. A system and computer program product are also disclosed.

Abstract: Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed.