Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, generate and provision digital tokens based on dynamically obtained contextual data. For example, an apparatus may receive first information that characterizes an exchange of data initiated by a first application program executed by the apparatus, and may generate and transmit a signal to a computing system through a programmatic interface associated with a second application program executed by the apparatus. In some instances, the first signal may include the first information and data that instructs the computing system to obtain a digital token representative of a data type available for use in the data exchange. The apparatus may also receive a second signal that includes the digital token and based on the digital token, perform operations that present second information characterizing the available data type on an interface.

Abstract: Embodiments of the present disclosure provide a money transfer network system that improves the performance of money transfer services provided via the money transfer network system and improves the performance of the underlying devices utilized to provide money transfer services. In particular, disclosed embodiments of a money transfer network system provide money transfer services that enable multiple users to engage in money transfer transactions as either a sending party or a receiving party in a manner that is similar to money transfer transactions executed between two users individually. Disclosed embodiments further enable a receiving party to request payment from a sending party, which may include scheduling recurring payments to be made via money transfer transactions.

Abstract: Systems and methods for transferring funds to an user account include a payment service provider device receiving a request for fund transfer information for an user account from a payer device that is associated with a payer. The payment service provider device then provides a routing number that is associated with the payment service provider and a virtual account number that is associated with the user account to the payer device. The payment service provider device then receives information from a financial institution about a funds transfer to a payment service provider account that is provided to a payment service provider by the financial institution. The information about the funds transfer includes a funding amount and the virtual account number, and the payment service provider device allocates the funding amount to the user account using the virtual account number.

Abstract: A transaction system and process includes providing financial transactions based on a single card. The transaction system and process further including providing prepaid wireless service based on the single card and providing long-distance service based on the single card.

Abstract: Aspects described herein may provide techniques for authenticating a user using transaction-based authentication questions that are generated based on item-level purchase data. The item-level purchase data of a transaction may include specific details of a transaction such as identification of each item purchased and corresponding prices paid for each item. Transaction-based authentication questions for a financial account may be generated based on the item-level purchase data that an authorized user of the financial account is likely to remember and that a malicious actor is unlikely to correctly guess. As a result, the authorized user of the account is likely to be correctly authenticated while the malicious actor is likely to answer the transaction-based authentication question incorrectly. Authentication can therefore effectively block malicious actors without overly burdening actual authorized users during the authentication process.

Abstract: Systems and methods that may be used to provide a predictive tax loan or other monetary advance before the loan recipient (e.g., a taxpayer) prepares and files its tax return. A risk of providing a predictive tax loan or monetary advance is modeled separately from a machine learning model used to determine the anticipated tax refund amount and tax loan. The disclosed systems and methods may also predict accurate tax withholdings based on multiple machine learning models from multiple services, including non-payroll related services.

Abstract: An embodiment of the present invention is directed to developing Autonomous Fraud Risk Management to identify emerging fraud trends in near real-time and mitigate risk by executing strategies to address fraud in a timely manner.

Abstract: Aspects of the disclosure relate to event processing. A computing platform may prefetch, prior to receipt of a purchase request, a plurality of pay to addresses (associated with an omnibus account, used to route funds from the omnibus account to a merchant account, and not associated with a particular merchant account when prefetched). The computing platform may receive, from a client, a request to make a purchase from a merchant, and may associate the client and the merchant with one of the prefetched pay to addresses/notify the client of the prefetched pay to address. The computing platform may monitor the prefetched pay to address for receipt of a predefined amount of cryptocurrency associated with the purchase. Upon detecting receipt of the predefined amount of cryptocurrency, the computing platform may transfer funds corresponding to the purchase from the omnibus account to an account for the merchant.

Abstract: Disclosed is system that determines tax liability of entity. The system comprises server arrangement and database arrangement coupled in communication with server arrangement.

Abstract: Systems and methods are disclosed for managing a plurality of supplemental payment sources of a user. One method includes: receiving a primary payment source account of a user for a purchase transaction originating at the merchant, the primary payment source account having an identifier associated with one or more supplemental payment source accounts; receiving supplemental payment source accounts of a user for applying to a payment transaction originating at the merchant; receiving, from a user device, preference settings to apply one or more of the supplemental payment source accounts to a payment transaction; receiving a transaction authorization request from the merchant or merchant acquirer for a transaction amount; and determining a combination of payment source accounts to use in the payment transaction, from a group comprising one or more supplemental payment source accounts and the primary payment source account, and any of one or more preference settings.

Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that enable network transactions between user accounts belonging to different network transaction platforms and unify user account modifications across user accounts on different network transaction platforms. For instance, the disclosed systems can cause two or more network transaction platforms to transmit and/or receive transactional values from one or more intermediary holding accounts upon receiving network transaction requests between user accounts belonging to the two or more network transaction platforms. In addition, the disclosed system can unify user account data on different network transaction platforms by modifying or updating the user account data (e.g., user attributes) by propagating schematized data messages to the one or more other network transaction platforms with instructions to modify or update the user attributes on other user accounts related to the user account.

Abstract: Machine learning models for fraud detection. The method includes receiving a schedule of weights, the schedule comprising a plurality of entries, each entry comprising a transaction value weight, a transaction volume weight, and a range of intervention rates; testing the at least one machine learning model using a holdout data set, resulting in a ranked transactions data set; and evaluating the performance of the at least one machine learning model by computing the weighted harmonic mean of the ranked transactions data set using the schedule of weights.

Abstract: A method for automatically recommending to a user of a software application one or more categories of a plurality of different categories of tax deductible expenses includes providing input data to a trained machine learning model and receiving output from the trained machine learning model based on the input data. The output includes a recommendation for the user that includes (i) one or more categories of the plurality of different categories of tax deductible expenses; and (ii) a plurality of examples of tax deductible expenses for each of the one or more categories. The method includes receiving feedback from the user on the recommendation and generating updated training data for the trained machine learning model based on the feedback.

Abstract: Provided are systems and methods for auto-performing short-term investments on an intermittent basis via a crypto-network and returning the principal and any interest before the account holder needs the money back. For example, a method may include executing a machine learning model on ingested data records to identify a temporary value that is idle in an account and a period of time that the temporary value is idle, displaying the determined temporary value, the period of time, and one or more recommendations of one or more blockchain networks, receiving authorization and a selection of a blockchain network from a user interface, installing a pre-programmed blockchain wallet on a blockchain ledger of the selected blockchain network, and triggering a transfer of funds from the account of the user to the pre-programmed blockchain wallet via a crypto-exchange server which converts the funds to cryptocurrency prior to the transfer.

Abstract: Provided are systems and methods for auto-performing short-term investments on an intermittent basis via a crypto-network and returning the principal and interest before the cash is needed. As an example, the method may include installing a blockchain smart contract on a blockchain ledger with read access to content stored on the blockchain ledger, establishing a communication channel between a monitoring engine and the blockchain smart contract, configuring the monitoring engine to identify stop conditions from content stored on the blockchain ledger, monitoring the blockchain ledger for updates to content stored on the blockchain ledger via the communication channel and detecting a stop condition based on an update to the blockchain ledger via the monitoring engine, and in response the detected stop condition, transmitting a request to the crypto-exchange server to return the funds to the external data source.

Abstract: The present invention relates to a system and method for providing restitution to a beneficiary when a package shipped by an originating shipper to a destination address, by way of a designated package transport carrier, is left unattended and damaged due to improper storage or exposure to inclement weather at the destination address prior to the package recipient taking receipt of the package. In an exemplary embodiment, a beneficiary is compensated, in accordance with a package repayment plan, when at least: a missing or damaged package report was created by the designated package transport carrier, the report indicates the package was delivered to the destination address during the plan enforcement period, and the originating shipper and the designated package transport carrier declined to provide a suitable remedy. Other embodiments include authorizing coverage for an address and package value, charging a transaction fee for authorizing coverage, and identifying fraud.

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

Abstract: An unpriced order auction and related market center and process are disclosed which allow posting market centers (e.g., exchanges) to schedule an auction that includes unpriced (Market) orders only. Such unpriced order auction executes at the midpoint of the NBBO, ensuring that the cross reflects the best prices in the entire marketplace, while discouraging the manipulation of the auction price on the posting market center. The disclosed auction also executes concurrently, but separately from the regular continuous matching process.

Abstract: A computer-implemented method includes: receiving an inquiry request message identifying a first payment transaction having a plurality of transaction parameters and a risk score, where the risk score is generated by a machine-learning model based on the plurality of transaction parameters; for each transaction parameter of the plurality of transaction parameters, perturbing a value of the transaction parameter and re-analyzing the first payment transaction with the machine-learning model to generate a perturbed risk score based on the perturbed transaction parameter; determining at least one impact parameter from the plurality of transaction parameters by comparing the perturbed risk scores generated for each of the plurality of transaction parameters; and generating an inquiry response message based on the at least one impact parameter.

Abstract: Platform-agnostic digital assistant methods and apparatuses are provided. The apparatuses and methods include a processor configured by a memory to receive user data from a storage containing informational contents. The processor is configured to establish a communication channel with an entity and utilize the communication channel to receive first information related to a user. The processor is configured to extract at least one user datum from the first information and modify the informational contents of the storage based on at least one of the user datum and the first information. The processor is further configured to initiate an action related to the user based on at least one of the first information, the user datum, and the informational contents.