Abstract: A trusted transaction signal is passed from a merchant to an account provider. A merchant receives a payment account association with a transaction between a customer and the merchant, and determines a level of risk for the transaction. If the customer is unknown to the merchant, the trust level is determined to be a default trust level. If the customer is known to the merchant, then a risk assessment determines whether the trust level is the default trust level, or a second, greater, trust level. A transaction notification is sent to the account provider. When the trust level is the default level, the notification includes a merchant ID that identifies the merchant and signifies the default trust level for the transaction. When the trust level is the greater level, the notification includes a different merchant ID that also identifies the merchant, but represents the second trust level for the transaction.

Abstract: Systems and methods are provided for use in facilitating network transactions. In connection therewith, a server receives a request from an application of a requestor mobile device and polls sender mobile devices for location data, where a subset of the sender mobile devices is within a defined distance of the requestor mobile device. The server then receives a response from one of the subset of sender mobile devices and presents the response to the application of the requestor mobile device. Upon acceptance of the response, the server transmits the acceptance to the sender mobile device, thereby enabling delivery of an amount requested to a requestor user associated with the requestor mobile device in exchange for a digital transaction from an account of the requestor user to an account of a sender user associated with the sender mobile device.

Abstract: Described herein are technologies to facilitate online payment of bills to an online merchant while enabling a customer to retain her choices in the contractual relationship. For example, the technology described herein enables the customer to select the funding source of her choice and to modify the contractual relationship in the manner allowed by the online merchant.

Abstract: A wallet system includes a terminal having a first processor and the first server having a second processor. The first processor is configured to transmit a reloading method registration request to a first server, transmit a reloading request to the first server, and transmit a settlement request to the first server via a terminal of a settlement recipient. The second processor is configured to register a payment method as the reloading method, increase a balance of electronic money in the wallet based on reloading amount information included in the reloading request, and reduce the balance of electronic money in the wallet based on settlement amount information included in the settlement request. The payment method is included in the reloading method registration request.

Abstract: A wallet system includes: a mobile terminal including a first processor including hardware, the first processor being configured to enable a user to determine an amount that is larger than a price of a product in a store as a payment amount, and output, to a server, a payment request for paying the payment amount using electronic money deposited to an electronic wallet; and a store terminal including a display, and a second processor including hardware, the second processor being configured to cause the display to display an amount of change to the user calculated by subtracting the price of the product from the payment amount.

Abstract: The present disclosure involves systems, software, and computer-implemented methods for integrating immediate credit application processes and decisions via a financial institution into ongoing transactions performed at a merchant system. One example method includes receiving a request for new credit account associated with an ongoing transaction at a second system, the request associated with a transaction payload including a session ID and a set of transaction information. A digital credit application is presented, and at least some of the set of transaction information is presented concurrently with the digital credit application. In response to approving the credit application, a new account is generated, a user is redirected back to the merchant system using the session ID, and the credit account information is securely transmitted back to the merchant. The state of the ongoing transaction is restored, and the new payment information is used to complete the transaction.

Abstract: A system for interfacing with a decisioning service from a third-party domain. A backend system may receive a request to interface with the decisioning service to generate a prequalification result for a user for a specified product, in response to the actuation of a button included in a third-party web domain rendering a product. The backend system may execute a call on a website of the decisioning service. The backend system may receive the product information from the button. The backend system may generate the website within the third-party domain, including a request for information about the user, in response to executing the call to the website. The backend system may transmit a request for generating prequalification result for the product to the decisioning service. The backend system may receive the prequalification result from the decisioning service.

Abstract: A system and method for obtaining user approval for transactions. The system includes an authorization system that is communicably coupled to one or more transaction computer systems that execute at least some transactions that require user approval. When a transaction system is seeking to execute a transaction that requires user approval, the transaction system sends a user approval request to the authorization system. The authorization system then retrieves the user's communication preference from a database and transmits an affirmatively actionable message to the user according to the retrieved communication preference. The messages can include an email with an approval link to click or a text message that the can be replied to. When the authorization system receives confirmation from the user that the user approves the request, the authorization system then transmits approval for the transaction to the appropriate transaction system, which then proceeds to execute the transaction.

Abstract: An exemplary system includes at least one physical computing device that is communicatively coupled, by way of a network, to an automated teller machine (ATM), and that receives a transaction identifier from the ATM, uses the transaction identifier to query an electronic payment system, receives, from the electronic payment system in response to the query, data representative of a pending electronic payment that is associated with the transaction identifier and is awaiting funding, sends data representative of information about the pending electronic payment to the ATM, the information indicating an amount to fund the pending electronic payment, receives, from the ATM, a confirmation that the ATM has received the amount to fund the pending electronic payment, and notifies the electronic payment system that the pending electronic payment has been funded.

Abstract: A system and method for authenticating a user's computing device that has submitted a request for the transfer of funds from the user's account at a financial institution. An authentication server at the financial institution compares currently received identifying data to previously stored identifying data, then makes a determination as to whether to approve the request for the transfer of funds. The identifying data may include a snapshot of apps or of lists of items installed on the user's computing device.

Abstract: A method for detecting and tracking tainted cryptographic wallets. The method measures a wallet's propensity to engage in criminal or suspicious activity. Naturally, transacting with a criminal is tantamount either to funding crime or laundering its proceeds, so it is in our collective interest to identify—and then monitor or quarantine—any wallet with criminal association. The method also automatically flags risky withdrawal requests in real-time for further review before committing them to the blockchain. In some embodiments, the exchange can quarantine wallets at a certain Walletscore.

Abstract: Provided are methods that include determining a set of transaction related actions for an agent, selecting a first transaction related action from the set of transaction related actions for the agent based on a plurality of features associated with the agent, generating transaction data associated with a fraudulent transaction based on the first transaction related action, generating a feature vector, the feature vector including transaction data associated with the fraudulent transaction, providing the feature vector as an input to a fraud detection machine learning model. Methods may also include determining an output of the fraud detection machine learning model based on the feature vector as the input, and generating a fraudulent reward parameter for the first transaction related action based on the output of the fraud detection machine learning model. Systems and computer program products are also provided.

Abstract: Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.

Abstract: A method includes detecting, by a marketplace server of a computing network, fraudulent acquisition of an exchange item by a first computing device of the computing network. The exchange item has a first dynamic identifier (ID) that was created for the first computing device, where the first computing device is a first owner of the exchange item, exchange item information is associated with the exchange item, and the exchange item information includes a static ID of the exchange item. The method further includes deactivating, by the marketplace server, the first dynamic ID in response to the detecting fraudulent acquisition. The method further includes, after deactivating the first dynamic ID, detecting, by the marketplace server, requested use of the exchange item by the first computing device, denying, by the marketplace server, the requested use of the exchange item, and reclaiming, by the marketplace server, ownership of the exchange item.

Abstract: A method, electronic device, and non-transitory computer readable medium for a mobile wallet remittance are provided. The method includes receiving a request to remit money from a sender to a receiver, wherein the request includes transaction information. The method also includes generating a list of eligible providers from a plurality of providers based on the transaction information. Additionally, the method includes notifying a provider to transfer the money when an indication is received that a provider is selected from the list of eligible providers.

Abstract: Methods, systems, and computer readable media for predictively determining a risk of damage to a property are provided. To determine the risk, a high resolution virtual model of a region that includes the property is obtained. The virtual model is imported into a simulation environment. One or more of the simulation parameters are set based on historic weather data for the region. For example, each parameter may be associated with a probability distribution derived based on the historic weather data that is sampled prior to executing the simulation. One or more simulations are executed in accordance with the sampled inputs to simulate the likely weather patterns the property will experience. The result of the simulation is analyzed to determine the predicted risk of damage to the property.

Abstract: In an example embodiment, there is disclosed herein an apparatus with a transceiver coupled with a bus; and a plurality of interfaces coupled with a plurality of lighting devices, and lead through indicator (LTI) logic coupled with the transceiver and the plurality of interfaces. The LTI logic is operable to receive a signal via the bus with data for operating a selected one of the plurality of lighting devices. The LTI logic determines an interface and a channel for the selected one of the plurality of lighting devices. The LTI logic send a signal to the selected one of the plurality of lighting devices on the connector and channel corresponding to the selected one of the plurality of lighting devices to operate the selected lighting device in accordance with the data for operating the selected one of the plurality of lighting devices.

Abstract: Systems are provided for compressing portfolios of open option positions. Market participants may provide constraints, such as net delta and gamma values within a specific tolerance. A compression engine uses a linear, integer and/or linear-quadratic programming solver to analyze portfolios of multiple market participants and identify multilateral option spread trades that result in portfolios that are compressed subject to the constraints.

Abstract: Certain aspects of the present disclosure provide techniques for improving a prediction of whether a non-sufficient funds fee will be incurred by a user utilizing machine learning techniques. For example, a predictive model may be trained using machine learning techniques based on historical data and derived data for a plurality of users. The predictive model may then be used to predict a probability of a particular user incurring an insufficient funds fee. The probability of the particular user may be used to generate an alert and suggestion to be presented to the particular user to avoid incurring the insufficient funds fee.

Abstract: The invention relates generally to the provisioning of payment instruments onto electronic devices such as a mobile telephone, tablet, laptop or wearable, and in particular to securely provisioning payment instrument for which authorization for the provisioning must be provided by a payment instrument issuer. A first embodiment is provided in which data that is generated during a transaction is received by an electronic device and transmitted from the electronic device to a server associated with an acquirer. The data received from the electronic device is compared to the data generated during the transaction and, if these match, provisioning is authorized. A second embodiment is provided in which a server associated with an acquirer generates an identification message that is separate from but based on a response message associated with a transaction, and provisioning is authorized or declined select module based on the identification message.