Abstract: A transaction card receives sound waves that represent a user command, where the user command identifies one or more transaction restrictions of the transaction card. The transaction card converts the sound waves to a digital signal and identifies, based on an analysis of the digital signal, user command data that identifies the user command. The transaction card sets, based on identifying the user command data, one or more transaction restriction values for the one or more transaction restrictions. The transaction card receives transaction metadata associated with a transaction and determines whether the transaction is compliant with the one or more transaction restrictions. The transaction card causes, based on determining whether the transaction is compliant with the one or more transaction restrictions, the transaction to be processed by a server device, or to be declined.

Abstract: An apparatus and method for administering and/or managing an employer sponsored retirement plan such as a 401(k) plan can include a host system that supports a graphical user interface (GUI) that is displayable to a user communicating with the host system via a user computer device. The use can manipulate one or more input devices connected to the user's computer device for facilitating the communication of data to the host system and updating of displays of the GUI. The GUI can be configured to permit employee participants to enroll and manage their retirement accounts. The GUI can also be configured for employers that sponsor a retirement plan to communicate with the host system to manage their retirement plan and oversee administration of the plan. Displays of the GUI can be generated and updated by a user computer device display based on communications with the host system.

Abstract: A system and/or method may be provided to assure a payment being made via a user device before the user device fully runs out of battery power. In particular, while a user device is running out of battery power, the system may allow a user to designate a merchant/user/service to which the user may make payments via a user device without user authentication and/or awareness. Under the same situation of low battery power, the system may also allow the user to make payments to a merchant/user/service with which the user frequently shops without user authentication and/or initial awareness. After the payment being made, the system may communicate with the user with further action, which requires no or low consumption of battery power.

Abstract: Operations include generating proposals for accounts payable and accounts receivable netting across multiple trading partners. A netting proposal system uses a machine learning model to generate netting proposals that are likely to be approved by the respective trading partners. The netting proposal system identifies characteristics of attributes of previously accepted netting proposals. Candidate attributes, with the same characteristics of attributes of previously accepted netting proposals, are selected for a new netting proposal. The netting proposal system further identifies characteristics of attributes of previously rejected netting proposals. Candidate attributes, without the same characteristics of attributes of previously rejected netting proposals, are selected for the new netting proposal. Furthermore, candidate attributes, with the same characteristics of attributes of previously rejected netting proposals, are not selected for the new netting proposal.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a payment based on a face recognition are provided. One of the methods includes: acquiring first face image information of a target user; extracting first characteristic information from the first face image information, wherein the first characteristic information includes head posture information of the target user and gaze information of the target user; determining whether the target user has a willingness to pay according to the head posture information of the target user and the gaze information of the target user, including determining whether an angle of rotation in each preset direction is less than an angle threshold and whether a probability value that a user gazes at a payment screen is greater than a probability threshold; and in response to determining that the target user has a willingness to pay, completing a payment operation based on the face recognition.

Abstract: This disclosure sets forth systems and techniques that trace plant provenance and determine a likelihood of plant spoilage within a plant growth operation. Particularly, a plant health monitoring system may monitor and record plant growth data of one or more individual plants during a plant life cycle from germination through to harvest. The plant growth data may include data relating to environmental conditions that surround the individual plants, and plant-specific data drawn from time-lapse images captured during the plant life cycle. A plant grower may use the time-lapse image data to identify changes in plant structure that indicate the degree of health of an individual plant, or the encompassing batch of plants. Further, a plant grower may use the plant growth data to generate one or more financial instruments that may be distributed to one or more financial institutions as support for securing capital to fund the plant growth operation.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: Example embodiments of systems and methods for performing a transaction involving a transmitting device and a receiving device. A state machine may be configured to monitor the data communications, data reads, and data writes performed between the transmitting device and the receiving device. In the event of a disruption during the transaction, the state machine may allow the transaction to resume following the most recent data communication, data read, or data write once the disruption is resolved.

Abstract: This disclosure sets forth systems and techniques that trace plant provenance and determine a likelihood of plant spoilage within a plant growth operation. Particularly, a plant health monitoring system may monitor and record plant growth data of one or more individual plants during a plant life cycle from germination through to harvest. The plant growth data may include data relating to environmental conditions that surround the individual plants, and plant-specific data drawn from time-lapse images captured during the plant life cycle. A plant grower may use the time-lapse image data to identify changes in plant structure that indicate the degree of health of an individual plant, or the encompassing batch of plants. Further, a plant grower may use the plant growth data to generate one or more financial instruments that may be distributed to one or more financial institutions as support for securing capital to fund the plant growth operation.

Abstract: A system, method, and non-transitory computer-readable information recording medium displays information to a user. Market data related to a plurality of tradeable objects is received from an exchange at a trading device. The display of market data related to each tradeable object is separately controlled. If the user is not paying attention to the market data of a particular tradeable object, then the dissemination of the market data for that tradeable object may be temporarily stopped until the user starts paying attention to that tradeable object.

Abstract: A method of operating a device (10) for handling banknotes detects multi-sheet withdrawals using a multi-sheet withdrawal sensor (30). If a multi-sheet withdrawal has been detected, at least the banknotes of the multi-sheet withdrawal are supplied to an input and/or output tray (22). Next, the banknotes are further separated. The denomination and/or number of the banknotes of the multi-sheet withdrawal is determined. The determined number and/or denomination is taken into account in the framework of the inventory management of the cash cassettes (16).

Abstract: A system and method operates a family of exchange traded funds or mutual funds with different weighted average maturities.

Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a web-based application that allows a customer to submit relevant information for obtaining insurance policy products that may require medical underwriting. Various aspects allow a customer to use the web-based application for a variety of insurance products, which may include term, full, and/or universal life insurance policies. The web-based application simplifies the application process by filtering questions and/or prompts presented to the customer based upon a customer's specific needs, previous answers, and/or other information. Various aspects also include determining whether a customer qualifies for temporary or permanent life insurance coverage based upon a customer's information and/or answers to one or more knockout questions, and if so, providing the customer with a binding receipt of temporary insurance coverage upon payment for a period of time in which the underwriting may be completed.

Abstract: A computer-assisted method for providing re-quotations for insurance coverage may include receiving a list of insurance leads corresponding to individuals who received a previous quotation for insurance coverage but did not purchase the insurance coverage and identifying a difference between the previous quotation and a new quotation. This difference may include an increase in offered insurance coverage and/or a reduction in cost. A computing device may calculate a probability for each of the individuals on the list using a regression model based, at least in part, on the identified difference. In some cases, the regression model may be associated with individual states. In other cases, the regression model may correspond to a plurality of states. The regression model may output a probability that a resident of a particular state will purchase insurance in response to a re-quotation for insurance coverage, where individuals may then be ranked based on the probability.

Abstract: Systems and methods for mobile-initiated in-store return of products are provided. An example system can include: an Order Management Module (OMM) configured to store in a first database completed transactions and associated electronic receipts for customers; a mobile device having a mobile application installed thereon and configured to query and receive from the OMM selection of products for return; a Return Management Module (RMM) configured to apply rules to validate the return based on the information about the selected product; and a return station configured to verify and complete the return.

Abstract: A device may receive an input that indicates a request to initiate a transaction at an ATM device. The device may instruct the user to capture one or more images of the ATM device. The device may determine that an image has been captured and process the image to determine first information that identifies the ATM device. The device may send the first information to a server device and receive a signal that indicates the ATM device has been validated. The device may cause an augmented reality (AR) overlay to be displayed, wherein the AR overlay includes second information related to authenticating the user to the ATM device. The device may determine whether a user action is performed with respect to the second information included in the AR overlay, and perform a device action related to the second information, the ATM device, or the AR overlay.

Abstract: Embodiments of the invention broadly described, introduce systems and methods for detecting the likelihood that a transaction is fraudulent using user access pattern data and device fingerprint data. One embodiment of the invention discloses a method for determining the likelihood that a payment transaction is fraudulent. The method comprises receiving user access pattern data generated by a user client computer, receiving a device fingerprint associated with the user client computer conducting a payment transaction, determining, using the user access pattern data and the device fingerprint, a likelihood that the payment transaction is fraudulent.

Abstract: A device assigns an identifier to a piggy bank associated with a child, and associates the identifier with a first transaction account associated with the child and a second transaction account associated with a parent of the child. The device receives information indicating a value of money deposited into the piggy bank, and updates the first transaction account, based on the information indicating the value of money, to generate an updated balance for the first transaction account. The device provides, to the piggy bank or a user device associated with the piggy bank, information indicating the updated balance for the first transaction account, and receives information indicating a measurement associated with the piggy bank. The device verifies the updated balance for the first transaction account based on the measurement associated with the piggy bank, and causes the updated balance for the first transaction account to be provided to the parent.

Abstract: System, method, and computer program product to implement four factor authentication rule-based intelligent bank cards, by receiving valid authentication information for a card associated with an account, capturing an image of a person presenting the card, applying an algorithm to the image to determine that the image capture was successful, and the image can be used by a facial recognition algorithm, verifying that the image matches an image of an authorized user of the account, analyzing image data of the image with a facial emotion recognition algorithm to detect an emotion expressed by the person in the image, identifying an emotion rule associated with the account and the emotion, providing, by the processor, an alert to a person associated with the account, wherein the alert is specified as part of the emotion rule, and restricting access to the account.

Abstract: The disclosure details the implementation of an APPARATUSES, METHODS AND SYSTEMS FOR A HIGH DENSITY FINANCIAL ASSET INFORMATION DISPLAY. The disclosure teaches a High Density Financial Asset Information Display which provides a high density, straightforward, unified, compact, dynamic and comprehensive display interface that presents users with a high volume of easy to understand financial asset information including the current buy and sell prices, the current price direction, the amount of time the asset pair is traded at each price, and the change in price over multiple time frames. The High Density Financial Asset Information Display is dynamically updated with the latest financial information and is formatted to convey relevant changes in the information of interest in a way that is easily understood by users.