Abstract: A computer-based method for collecting digital wallet data from a digital wallet transaction initiated by a user is provided. The method includes receiving registration data for a user in response to the user registering into a digital wallet application, wherein the registration data includes demographic data and device registration data including a device identifier used for identifying the user device when in communication with another computing device. The method also includes storing the registration data within at least one memory device and receiving digital wallet data as part of a digital wallet transaction initiated by the user using the digital wallet application on the user device, wherein the digital wallet data includes transaction data, device communication data, and biometric data. The method further includes comparing the digital wallet data to the registration data and linking the digital wallet data within the at least one memory device to the registration data.

Abstract: A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.

Abstract: A plurality of variable data of personal attribute information associated with at least one vehicle insurance user is received at a prediction server. Based on a service scenario requirement, a pre-constructed prediction algorithm is selected. The plurality of variable data is processed by one or more processors using the pre-constructed prediction algorithm. At least one prediction result is generated as the prediction server.

Abstract: A method of securely and accurately adjudicating claim payouts in a risk-sharing event pool having a claim benefit account. The method includes receiving a request for a claim payout from a claimant participating in the event pool along with information regarding the claim. Members of the event pool serving as jurors analyze the information and vote to validate or reject the claim. A predetermined number of votes are randomly selected and tallied to determine if the claimant is successful in the request for a claim payout. The method also includes the step of locking the claim benefit account where members cannot withdraw from the event pool until the term has ended. The method further includes the step of unlocking the claim benefit account to share all remaining funds equally among members when the claim benefit account balance is greater than zero and the term of the event pool expires.

Abstract: A preferred embodiment of the invention allows the designation and manipulation of multiple value unit wallets that allow an end user to designate which types of value units in a transaction product account may be implemented on a per-transaction basis such that a person may perform a transaction in one value unit and settle it using another. The creation of the transaction product specifically may decrease the fees associated with value unit exchange. In addition, the value unit conversion and utilization product is contemplated to have multiple interfaces where a person may select alternate sequences of value unit withdrawal such that an end user may prioritize the different types of value units that are withdrawn from an account during a transaction.

Abstract: A data information transaction method and system including receiving a query request that is sent by a terminal of a data requester and carries a query condition and a user characteristic identifier of a digital human that needs to meet the query condition, determining user characteristic information that is of a digital human and corresponding to the query condition and the user characteristic identifier, obtaining a query result, sending the query result to the terminal of the data requester, receiving a purchase request sent by the terminal of the data requester, and completing a transaction according to the purchase request.

Abstract: An automated teller machine includes a near-field communication (“NFC”) device, a networking interface configured to communicate data via a network, a display device configured to present information to a customer, and an input/output device configured to exchange data with the customer. The automated teller machine further includes a processing circuit including a processor and a memory, the memory structured to store instructions that are executable by the processor. The instructions cause the processing circuit to establish an NFC session with a mobile device of the customer, the mobile device having a mobile wallet, the mobile wallet including an inactive payment token representing a payment card held by the customer. The instructions further cause the processing circuit to receive at least one authentication credential relating to the payment card from the customer, verify the at least one authentication credential, and activate the inactive payment token.

Abstract: Apparatus and methods for ingesting Legacy Records of mortgage loan servicing actions onto a Blockchain. Legacy data is converted from a relational database format into a blockchain format and entered as one or more blocks on a blockchain. Portions of the blockchain are distributed to Participants in the blockchain, such as the Borrowers, Regulators, Servicers, and Vendors. The present disclosure further provides a method for homogenizing a variety of Vendor Formats for inclusion on the Blockchain and memorializing execution of a smart contract on the Blockchain.

Abstract: This disclosure is directed to techniques that include presenting various investment options in a graphical representation of a map. In one example, a method includes collecting information about a user; determining a geographical area expected to be familiar to the user; outputting a map illustrating a plurality of travel plans within the geographical area, each travel plan being associated with an investment option, and wherein the map illustrates each of the travel plans with a travel vehicle corresponding to an investment vehicle and a travel time corresponding to an investment timeframe; receiving an indication of input interacting with the map; identifying a selected travel plan from among the plurality of travel plans within the geographical area; and determining a selected investment option, wherein the selected investment option is the investment option associated with selected travel plan.

Abstract: A system for reconstructing a vehicular crash (i) receives sensor data of a vehicular crash from at least one mobile device associated with a user; (ii) generates a scenario model of the vehicular crash based upon the received sensor data; (iii) transmits the scenario model to a user computer device associated with the user; (iv) receives a confirmation of the scenario model from the user computer device; (v) stores the scenario model; and (vi) may generate at least one insurance claim form based upon the scenario model. As a result, the speed and accuracy of the claim processing is increased. The system may also utilize vehicle occupant positional data, and internal and external sensor data to detect potential imminent vehicle collisions, take corrective actions, automatically engage autonomous or semi-autonomous vehicle features, and/or generate virtual reconstructions of the vehicle collision.

Abstract: A trade order may be submitted to an electronic exchange and updated, according to pay-up parameter values, in an attempt to receive a complete fill within a period of time. The trade order may comprise an order price and an order quantity when submitted to the electronic exchange. The pay-up parameters may include a pay-up interval, a pay-up amount, a pay-up counter, or a combination thereof. The price of the trade order may continue to be updated after the expiration of pay-up interval in an attempt to receive a complete fill of the trade order. The price of the trade order may be increased or decreased by the pay-up amount. The trade order may continue to be updated until a complete fill is received, the pay-up counter expires, and/or an ending time expires for which the pay-up parameters may be implemented.

Abstract: A system and method for reporting based on a first electronic document and at least one second electronic document. The method includes analyzing the first electronic document to determine at least one transaction parameter for each of at least one expense item, the first electronic document indicating the at least one expense item, wherein the first electronic document includes at least partially unstructured data; creating at least one template for the first electronic document, wherein each first electronic document template is a structured dataset including the determined at least one transaction parameter; retrieving, based on the at least one first electronic document template, the at least one second electronic document; and generating a report when the at least one second electronic document matches the at least one expense item, wherein the report indicates the at least one expense item and includes the at least one second electronic document.

Abstract: Apparatus and methods for aggregating Mortgage Loans based upon servicing records verified via a blockchain distributed ledger. The Blockchain is distributed to Participants in the Loan, such as the Borrowers, Regulators, Servicers, and Vendors. Participants may submit an aggregation criteria, such as for example a criteria used for selecting loans to be included in a securitization pool. The present disclosure further provides a method for homogenizing a variety of loan criteria and memorializing execution of a smart contract on the Blockchain.

Abstract: Methods and systems for evaluating the effectiveness of autonomous operation features of autonomous vehicles are provided. According to certain aspects, information regarding autonomous operation features associated with a vehicle may be determined and used to determine a likelihood of an accident for the vehicle. Determining the likelihood of an accident may include determining risk factors for the features related to the ability of the features to make control decisions that successfully avoid accidents. This may include reference to test data or actual loss data associated with the features, as well as usage data regarding expected use of the features during vehicle operation. Effectiveness of the features may be evaluated relative to location or operating conditions, as well as types and severity of accidents. The determined effectiveness of the features of a vehicle may further be used to determine or adjust aspects of an insurance policy associated with the vehicle.

Abstract: A device may determine information that identifies a location of a projectable transaction card that is capable of being used to conduct a transaction associated with a merchant. The device may determine that the location of the projectable transaction card matches a location associated with the merchant. The device may identify a virtual transaction number that is unique to the merchant, previously associated with the merchant, unique to an account associated with the projectable transaction card, and to be used in conducting the transaction. The device may provide the virtual transaction number for display on a display screen of the projectable transaction card. The virtual transaction number may not be displayed on the display screen of the projectable transaction card prior to a determination that the location of the projectable transaction card matches the location associated with the merchant.

Abstract: Systems and methods for authentication code entry using mobile electronic devices are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a display, and an input device a method for authentication code entry may include: (1) receiving, at the information processing device, a masking pattern for receiving entry of an authentication code, the masking pattern specifying an order for entering the authentication code; (2) presenting, on the display, a prompt to enter the authentication code in accordance with the masking pattern; (3) receiving, at the input device, a masked authentication code entry where the masked authentication code entry comprises the authentication code entered in accordance with the masking pattern; and (4) storing the masked authentication code entry.

Abstract: A system and method for reporting based on a first electronic document and at least one second electronic document. The method includes analyzing the first electronic document to determine at least one transaction parameter for each of at least one expense item, the first electronic document indicating the at least one expense item, wherein the first electronic document includes at least partially unstructured data; creating at least one template for the first electronic document, wherein each first electronic document template is a structured dataset including the determined at least one transaction parameter; retrieving, based on the at least one first electronic document template, the at least one second electronic document; and generating a report when the at least one second electronic document matches the at least one expense item, wherein the report indicates the at least one expense item and includes the at least one second electronic document.

Abstract: A blockchain of transactions may be referenced for various purposes and may be later accessed by interested parties for ledger verification. One example operation may comprise one or more of creating an initial identifier representing an asset and an owner entity of the asset in a blockchain, identifying an identity block associated with the initial identifier, and identifying an asset transfer of the asset from the owner entity to a blockchain entity.

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: The specification discloses a system and a method for realizing identity identification based on a radio frequency identification technology. The system comprises: a radio frequency detector on the ground and configured to detect radio frequency tags and send, when a radio frequency tag is detected, information carried in the radio frequency tag to a controller; a camera configured to collect a face image and send the collected face image to the controller; and the controller, configured to: determine, according to the information, a first identification of a user corresponding to the radio frequency tag, determine, according to the face image, a second identification of the user, and control a turnstile to allow the user to pass through when the first identification of the user and the second identification of the user match.