Abstract: This disclosure describes techniques for identifying and reconnecting systems, including financial service systems, to a network during or after an outage in which systems have been disconnected from one or more networks. In one example, this disclosure describes a method that includes navigating a vehicle, by a computing system of the vehicle, to a location near an area in which one or more financial service systems have been disconnected from a network; identifying, by the computing system of the vehicle and based on a wireless signal detected by the vehicle, a financial service system that is within the area and that has been disconnected from the network, wherein the financial service system is one of the one or more financial service systems; and transferring, by the computing system of the vehicle, information between the financial service system and a banking computing system to thereby enable performance of a financial transaction.

Abstract: A computer system and method for associating hand placement on a vehicle steering wheel with a driving behavior is described. A sensor system is disposed on the steering wheel configured to detect contact of driver hands upon the steering wheel. A computer processor is coupled to the sensor system to receive and analyze data indicative of hand placement on the steering wheel to determine hand placement. A transceiver device communicates with the computer processor whereby data indicative of hand placement is transmitted to a computer server device associated with an insurance company providing insurance for the vehicle.

Abstract: Transaction cards, systems and methods for performing fraud detection at POS devices based on analysis of feature sets are disclosed. In one embodiment, an exemplary transaction card may comprise one or more sensors configured to collect pre-card-use sensor data regarding a user of the card, circuitry that assembles such data into feature sets and performs fraud detection, and data storage. According to some aspects, the fraud detection may comprise: comparing user specific sensor data, collected for a current transaction, to a user-specific risk profile validation model, generated from prior transactions, to determine a risk score for the current transaction; and transmitting the risk score to a card transacting device when a card is presented during purchase. Further, the risk score may enable the card transacting device to evaluate a risk associated with accepting the transaction card to complete the attempted transaction.

Abstract: A specialized memory structure is provided for storing parts of orders received at an electronic trading system. A received order is divided into a displayed portion and a non-displayed portion, and each portion is allocated to a respective part of the memory structure. The memory structure is configured such that while matching the order with a contra order, priority is given to the displayed portion over the non-displayed portion. If such a match occurs, the displayed portion may be replenished. The matching in the non-displayed portion generally occurs according to rules of applying discretion. The matching in the displayed portion may occur at the displayed price or according to the rules of discretion.

Abstract: Selection of web page advertisements for placement into a web page may use attention data that ranks the elements of the web page according to the attention the elements receive from users during interactions with the web page. The content of ads can be matched to the content of the most highly ranked elements of the web page rather than the web page as a whole. Alternatively, ads can be selected that historically produce a preferred pattern of behavior such as an attention shift from a highly ranked element of the web page to the ad.

Abstract: A technique for conducting secure financial and informational transactions via portable smart devices is disclosed, in which two transaction devices, e.g. an ATM and a smartphone or other smart connected device are both substantially simultaneously accessible by the user and are both independently connected with the account server by a secure connection between the transaction device for the ATM and a secure connection between the smartphone and a cellphone tower. Thus, authentication is provided by secure login on the two devices, i.e. the transaction device and the cellphone. Once the devices are both connected to the account server, handshaking between the two devices to confirm pairing of the right two devices is prompted, at which point, a transaction may proceed.

Abstract: Generating a digital wallet asset logical instance is disclosed. A template is received. A set of data values is received. The digital wallet asset logical instance is generated at least in part by merging the received data values with the received template. The generated digital wallet asset logical instance is associated with metadata tags. A digital wallet asset is constructed based at least in part on the generated digital wallet asset logical instance.

Abstract: There are provided systems and methods for providing an interactive transaction dashboard. An exemplary system includes a first data store storing and a processing device in communication with the first data store. The processing device receives, over a network communication link, authentication information associated with a user device operated by the first user and transmits transaction data associated with a first transaction to be rendered in a graphical user interface provided by the user device, the graphical user interface visually depicting the first transaction as an icon positioned along a visual axis element representing a period of time. The processing device receives a command generated by an interaction of the first user with the icon and transmits secondary transaction data associated with the first transaction to be rendered in the graphical user interface, the secondary transaction data being responsive to the command.

Abstract: Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.

Abstract: Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service application. The dynamically created verification value may be generated on a payment device, such as an integrated circuit credit card or smart card, embedded into the payment data, and transmitted to a point of sale terminal. Alternatively, payment data is sent by a payment device to a point of sale terminal, which generates a verification value and embeds it into the payment data. The embedded verification value is used by a service provider to verify the authenticity of the transaction. The methods and systems may be used in a contactless (wireless) environment or a non-wireless environment.

Abstract: A system and method for matching transaction records to merchant records of a merchant profile database is provided, the transaction records containing transaction data of financial presentation devices that are presentable to a plurality of merchants, the transaction data including merchant identifying data that identifies the merchant for the transaction. The system includes a memory storing a plurality of transaction records, a merchant profile database storing a plurality of merchant profile records, a processor, and a match logic module executable by the processor and adapted to recognize a plurality of variations in the merchant identifying data contained in the transaction records, the match logic module operable to match each of the transaction records to an associated merchant profile record in the merchant profile database according to the recognized variations in the merchant identifying data.

Abstract: Event processing for suspicious activity detection is disclosed. Financial events can be detected by receiving data from a plurality of detection channels. The data can optionally be enriched by adding additional details about events. An event or group of events is scored based on pre-defined risk factors and experience, and the resulting score can be compared to a pre-defined threshold. A case for investigation is established when the score is above the pre-defined threshold. Events for which the score is below the pre-defined threshold are sampled to provide the experience for the scoring. Events can be scored by obtaining a plurality of predictors, collecting training data regarding existing cases, and running a logistic regression to obtain weights for the predictors. The likelihood of a case for investigation resulting in a suspicious activity report can then be determined.

Abstract: A method for online lending services with the creation and population of loan applications and other related documents in Portable Document Format (PDF) for subsequent access by applicant and other entities. Consumers use their Web browsers for access and said method includes an Application Service Provider (ASP) architecture, a loan origination site interface, and a secure server facility.

Abstract: A system, method and computer program product provides for portfolio analysis in one or more exemplary periods. The method may includes determining weight and return measures between a plurality of assets based upon the likely performance of the assets. The method may also includes determining at least one allocation measure (AM) of the plurality of assets, and decomposing the at least one allocation measure (AM) respectively into at least one static allocation (SA) measure and at least one dynamic allocation (DA) measure. The method may also include determining at least one variance measure (VM); and decomposing the at least one variance measure (VM) into at least one static variance (SV) measure and at least one dynamic variance (DV) measure. The measure may also include attributing performance of the active portfolio of the at least one active portfolio manager across the SA, DA, SV and DV.

Abstract: The provision of parametric D&O insurance and reinsurance policies is afforded by systems and methods for determining one or more parametric indices of the risk arising from aggregate litigation activity, which risk is correlated with the financial exposures (e.g., payment cash flows) of the insureds' exposed to such claims, and of the insurers who provide primary D&O insurance coverage. A parametric index is for a given policy is determined from a set of parameters that define the type, scope, timing of litigation activity for the index, as well as details how the index values are determined from the underlying litigation exposure. The system and method further determine whether payments are due under such a policy and their amounts.

Abstract: Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service application. The dynamically created verification value may be generated on a payment device, such as an integrated circuit credit card or smart card, embedded into the payment data, and transmitted to a point of sale terminal. Alternatively, payment data is sent by a payment device to a point of sale terminal, which generates a verification value and embeds it into the payment data. The embedded verification value is used by a service provider to verify the authenticity of the transaction. The methods and systems may be used in a contactless (wireless) environment or a non-wireless environment.

Abstract: An Interchange Party Computer System (“IPCS”) comprising: a plurality of units of allocated resources, configured for a lender party, broker party, transaction party and/or investor party, each unit of allocated resources including one or more administrator user interfaces that allow a participating party to manage its allocated resources and define which of its users and which other participating parties may access its allocated resources and use elements thereof, wherein at least one of the allocated resources include database allocated resources that are managed by the participating party assigned the resources, the allocated resources for the database being accessible and usable by a participating party on terms defined by the participating party responsible for managing the database allocated resources wherein at least one of the allocated resources include at one or more modules selected from the group of: a Rate and Loan Program Module that includes means to define loan programs or search defined loan

Abstract: An Interchange Party Computer System (“IPCS”) comprising: a plurality of units of allocated resources, configured for a lender party, broker party, transaction party and/or investor party, each unit of allocated resources including one or more administrator user interfaces that allow a participating party to manage its allocated resources and define which of its users and which other participating parties may access its allocated resources and use elements thereof, wherein at least one of the allocated resources include database allocated resources that are managed by the participating party assigned the resources, the allocated resources for the database being accessible and usable by a participating party on terms defined by the participating party responsible for managing the database allocated resources wherein at least one of the allocated resources include at one or more modules selected from the group of: a Rate and Loan Program Module that includes means to define loan programs or search defined loan