Abstract: Systems and methods for facilitating payment application provisioning and transacting are disclosed. According to one embodiment, a method for provisioning a token to a third party payment application on a mobile device may include (1) receiving a logon from a customer using a mobile application for a financial institution executed on a mobile device and a device identifier for the mobile device; (2) receiving a request to provision a token for a third party payment application; (3) authenticating the customer using the logon information and the device identifier; (4) provisioning a token for a payment device associated with the customer; and (5) providing the token to the third party payment application for transaction processing.

Abstract: Features are extracted and tabulated for transactions on a per-operator basis. Metrics are derived from the features on a per-feature basis and on an aggregate bases for the features as a whole. Additional metrics are calculated on a per-feature basis and an aggregate bases for a group of operators. A current transaction being conducted in real time by a given operator has current features extracted and a risk score is generated. The risk score is compared against the metrics associated with the given operator and the group of operators. A determination is made as to whether the current transaction is fraud or is not fraud based on the comparison. When fraud is detected, an alert is raised, and the current transaction provided to a fraud system for further fraud evaluation.

Abstract: Various examples described herein are directed to systems and methods for dispatching trips to a plurality of autonomous vehicles. For example, a dispatch system may access trip result data describing a plurality of trips executed by a set of autonomous vehicles of a first vehicle type. The dispatch system may determine a first routing constraint for autonomous vehicles of the first vehicle type using the trip result data and select an autonomous vehicle to execute a first new trip using the first routing constraint. The dispatch system may send a request to execute the first new trip to the selected autonomous vehicle.

Abstract: A biometric authentication platform (10) uses fault-tolerant distributed computing to determine if a supplied biometric sample and a sample stored in a registry are from the same person. A collection of reference samples is maintained in a distributed ledger (115) with immutable history of modifications. Results of matching are stored in a separate distributed ledger (125) providing an immutable history log. Coordinated use of both ledgers (115, 125) enable biometric authentication of registered users (140) in real time. Users (140) may interact with providers (150) and/or trusted circles of other users in order to recover user records from the user ledger (115).

Abstract: Embodiments of the disclosure provide a system and method of allocating a resource based on myriad input data. In some embodiments, the myriad input data include membership information, claims data, transactional data, etc. The myriad input data are sorted and organized in a meaningful association relationship before applied to a resource allocation modeling algorithm. The resource allocation modeling algorithm provides estimated resource necessary for the application chosen. For example, an insurance company may use membership information, claims data, transactional data, etc., to estimate how much reserves or funds it should hold to cover future claims within a certain timeframe.

Abstract: A system for intelligent recurring transaction processing and fraud detection comprises an artificial intelligence (AI) platform including machine learning (ML) models that are in communication with server computers. The servers access historical payment transaction data from a transaction database to train the ML models to predict future recurring transactions. The servers receive an authorization request from an acquirer for a payment transaction by a cardholder using a payment device, process the authorization request to the issuer and transmit a response. Transaction data from the authorization request is input into the ML models to predict whether the payment transaction comprises a recurring payment transaction and if so, determine a predicted date of a next recurring transaction. An API call is initiated to the issuer with transaction attributes regarding the next recurring payment transaction prior to the predicted date, and the issuer sends an alert message directly to the cardholder.

Abstract: The present disclosure provides techniques for recommending vendors using machine learning models. One example method includes receiving transaction data indicative of a transaction, identifying, based on the transaction data, an associated merchant of one or more merchants and an associated time window of one or more time windows, receiving historical transaction data indicative of one or more historical transactions, wherein the one or more historical transactions are associated with the associated merchant and the associated time window, generating features based on the transaction data and the historical transaction data, and determining, using a classification model, that the transaction is fraudulent, based on the generated features.

Abstract: Technology is disclosed herein for expediting blockchain transactions. More specifically, the technology describes techniques for assessing risk associated with expediting processing of blockchain transactions received by a transaction processing platform. When a determination is made that a transaction can be expedited, the transaction processing platform can expedite the transaction, e.g., locally process the blockchain transaction, prior to receiving a verification or confirmation from the consensus network. In this manner, the transaction processing platform can act like a local cache allowing quick access and operation on permanently stored data within the blockchain with minimal or calculated risk.

Abstract: Various methods, systems, and device are provided for facilitating communication between a fuel dispenser and a forecourt controller. In some embodiments, the methods, systems, and devices allow data to be combined and compressed for transmission through a reduced number of data connections, and then decompressed for transmission to the forecourt controller or components of the fuel dispenser. In certain exemplary embodiments, the compressing and decompressing can be performed by one or more signal combiners at the forecourt controller and the fuel dispenser.

Abstract: Described are systems and methods for outlier detection and transaction monitoring. This may include collecting corporate data, determining features, detecting relevant features, determining a system model, determining a control policy, monitoring incoming transactions, determining if an outlier alert should be sent, transmitting the outlier alert, receiving user adjudication of the fraud alerts, and feedback of the adjudication. The systems and methods may use aspects of fuzzy logic, predictive modeling, network and community detection, outlier detection, and fuzzy aggregation.

Abstract: A system and method for routing customers to an automated teller machine (ATM) is disclosed herein. A computing system receives, from a client device, a request to locate an ATM. The request includes a constraint of a desired ATM. The computing system identifies a plurality of ATMs proximate a location of the client device. The computing system pings the plurality of ATMs proximate the location of the client device to identify attributes associated with each respective ATM. The computing system receives the attributes from the plurality of ATMs proximate the location of the client device. The computing system compares the attributes from each respective ATM to historical ATM usage statistics associated with the client device. The computing system routes a user of the client device to a target ATM from the plurality of ATMs based at least partially on the historical ATM usage statistics.

Abstract: The present disclosure describes a smart card that determines a context associated with the smart card and displays information based on the determined context. The smart card may determine a location of the smart card. Based on the determined location, the smart card may retrieve a list of establishments. The list of establishments may be used to determine a context, for example, based on information related to the establishments, historical information, user information, etc. Once the context is determined, the smart card may select information to display on the smart card. By limiting the information displayed on the smart card, the smart card may limit what can be captured by bad actors, thereby improving the security of the smart cards.

Abstract: An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data.

Abstract: A system for determining a fraud risk score associated with a transaction. The system includes a server including an electronic processor. The electronic processor is configured to determine a plurality of rules based on a plurality of transactions over time and extract one or more features of the transaction. The electronic processor is also configured to select, based on the plurality of rules, a plurality of fraud risk features Each non-categorical fraud risk feature selected is associated with a fraud risk feature value and each categorical fraud risk feature selected is associated with a categorical variable value. The electronic processor is configured to determine, for each categorical fraud risk feature, a fraud risk feature value. The electronic processor is also configured to determine the fraud risk score based on the one or more of the transformed fraud risk feature values.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, vehicle operation safety may be enhanced. An environmental or weather condition (e.g., hail, storm, wind) may be identified that presents a hazard to an autonomous or semi-autonomous vehicle. With the customer's permission, when it is determined that the vehicle is parked in an unprotected location, a protected or covered location to park the vehicle may be identified, a route to that location may be determined, and the vehicle may be directed to travel automatically to the protected location under the operation of autonomous operation features. Insurance discounts or cost savings may be provided to risk averse insurance customers based upon the self-parking functionality that will reduce or mitigate damage to insured vehicles caused by adverse conditions, falling trees or power lines, hail, etc.

Abstract: Systems and methods herein provide a safety system for ingesting data from disparate, remote databases that include data associated with driver information. The systems normalize the data and decode the data to apply standard forms and formats. Data is then presented in one or more user interfaces having visual indicia indicating the status of the drivers. Further, the systems can monitor for changes to the data and provide alerts should the data change and the risk presented by the driver change.

Abstract: A method can include obtaining a physical commodity that is divided into one or more physical units. The method can further include storing the physical commodity in a secure vault. Additionally, a map can be utilized to subdivide each of the one or more physical units into a plurality of segments. Each of the plurality of segments can be tangible portions of the physical unit that are distinct and identifiable. Subdividing each of the one or more physical units can render the physical units unaltered. Further, the map can be utilized to assign ownership of the plurality of segments to one or more owner users. The method can additionally include receiving an instruction to transfer ownership of a particular segment of the plurality of segments from a particular owner user to a buying user, and assigning in the map ownership of the particular segment to the buying user.

Abstract: A time-series feature extraction apparatus has a coefficient outputter to output a coefficient to be used in calculation for classifying time series data into a plurality of segments, a segment position outputter to perform calculation for classifying the time series data into the plurality of segments based on the coefficient to output information on boundary positions of the plurality of segments, a cluster classifier to classify the plurality of segments into a certain number of plurality of clusters equal to or smaller than a certain number of the plurality of segments, a representative element outputter to output a representative element which represents a local feature of each of the plurality of clusters and is set for each of the plurality of segments, a feature degree calculator to calculate a feature degree of the representative element, and a representative element updater to update the representative element based on the feature degree.

Abstract: The present application provides a method for autonomously controlling a vehicle performed by a control system of the vehicle on the basis of a mission received from a mission controller, the method comprising: receiving a mission comprising a set of instructions from the mission controller; validating the mission by checking whether the mission meets a first set of requirements; executing the mission if the mission meets the first set of requirements and rejecting the mission if the mission does not meet the first set of requirements.

Abstract: A payer initiates a payment transaction of a certain dollar amount through a user interface provided by their bank. The bank generates a hyperlink associated with the payment transaction. By managing a state of the transaction, the hyperlink can be given an expiration time and/or a counter of visits. The hyperlink is sent to a payment recipient in a text message or email, either by the payer or by the bank. Upon following the hyperlink, the recipient can enter their own debit card information to receive the money transfer to their debit account, without the need to set up an account login or account. A notification mechanism, such as a broadcast stream of payments, can be employed to inform different entities (such as those recording property payments or utilities payments) that a payment was made to the payment recipient.