Abstract: A real-time electronic bill presentment and payment system of a bill presentment and payment system (BPPS) provider is exposed to at least one of a business financial institution and an accounting software provider via an API. The BPP provider facilitates the institution or software provider providing a real-time electronic bill presentment and payment mobile application to a business. The BPPS obtains, via the API, from the institution or software provider, registration information relevant to the business. The real-time system populates a biller directory database with the registration information. No action, other than the facilitating, is required by the BPPS provider for the institution or software provider to obtain the registration information. In some instances, provision is made for loss of connectivity between the institution or software provider and the business and/or for alerts to the business.

Abstract: Described herein are chargeback settlement processing systems and methods. A chargeback settlement computing device is configured to store a dispute table including a dispute record associated with a first chargeback request associated with a first chargeback transaction. The dispute record includes an account identifier, a chargeback transaction amount, and a unique chargeback identifier. The computing device is also configured to receive (i) a clearing detail record including a unique chargeback reference number associated with clearing/settlement of the chargeback transaction and chargeback transaction data, and (ii) a chargeback response including the chargeback identifier, the chargeback reference number, and chargeback transaction data.

Abstract: A claim adjudication system including an automatic adjudication pipeline that uses pipeline rules to automatically adjudicate a claim associated with a benefit plan at one or more stages. The automatic adjudication pipeline can redirect the claim to a user interface for manual review when a pipeline rule associated with a manual review condition is triggered. The user interface can present information about the claim relevant to the manual review condition in an integrated format, including highlighting the reasons for the manual review. A user can evaluate the claim in the user interface and provide user input that addresses the manual review condition, and the claim can be routed back to the automatic adjudication pipeline. The user input can also be used as training data for machine learning to adjust pipeline rules that are used to automatically process claims and to redirect future claims for manual review.

Abstract: A system for increasing the betting level of profitability via a bet information advisor platform and methods of use, a computer platform having applications to select or identify Bet Information data sources, assign an Age consistency score to each Bet Information data source based on age of source assign a ROI score to each Bet Information data source for each match or game outcome based on profits earned or lost, assign or calculate an Overall Efficiency score for each Bet Information data sources based on Age consistency score and ROI grade/percentage score, utilize Bet Information data sources with an Overall Efficiency score greater than or equal to Threshold for current plays or bets, allocate x %/y %/z % plays or bets to Bet Information data sources 1×/2×/3× Threshold, track each losing positons and the Bet Information data sources associated therewith, assign an increased Risk Amount to the losing Bet Information data sources.

Abstract: The present invention relates to a method, a system, and the associated software. With respect to the method, it is best characterized as a method of providing a user with an estimate of an aviation insurance premium from one or more vendors. The method may include receiving an aircraft identification input, transmitting user input information to one or more aviation insurance vendors, and displaying received aviation insurance premium estimates from one or more vendors. The system is best characterized as a system for administering aviation insurance estimates. In order to accomplish desired objectives, the system employs certain associated software to allow users to receive multiple aviation insurance premium quotes from one or more vendors.

Abstract: An authentication computing device, including a processor in communication with a memory, for authenticating an ACH transaction processed over an ACH network is provided. The processor is programmed to register a payee with the authentication computing device, and to receive an authentication request for an electronic ACH transaction to transfer funds from a payor account to a payee account. The request is received from a first client computing device and includes an account identifier associated with the payor account. The processor is also programmed to transmit an authentication challenge to a second client computing device based on account data associated with the account identifier. The processor is further programmed to receive a response to the authentication challenge, determine whether the account data has been authenticated based on the received challenge response, and transmit an authentication response to the payee based on the determination.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for payment services are provided.

Abstract: A merchant website includes a QR code button to initiate a payment transaction. The QR code button is selected by a consumer at checkout. If selected, a QR code is generated on a second computing device. The QR code is displayed on a second computing device and contains embedded data such as a token for a PAN stored in a memory of the second computing device and two cryptograms. A webcam in communication with the first computing device is used to scan the QR code. The data embedded in the QR code is passed from the second computing device to the merchant website via the first computing device and used to complete the payment transaction.

Abstract: The present invention provides a data processing method and an apparatus. When a payment server makes a payment based on a payment amount and a payment instrument of a payer, the payment server has obtained merchant information and commodity information of a commodity to be paid for, and after the payment is successful, establishes a correspondence between a service verification code, the merchant information, and the commodity information. Therefore, after the payment server sends the service verification code to a terminal corresponding to the payer, a user can perform verification on a payment system based on the service verification code. This improves verification efficiency and decreases transaction costs.

Abstract: A system, method and computer-readable medium for interfacing with an EMV compliant chip card having an embedded microchip. A transaction computer includes a virtual credit card terminal running in a web browser and that is in communication with an EMV card reader having a chip card slot. The virtual terminal defines a first EMV transaction and a second EMV transaction based upon user input. The virtual terminal then causes the embedded microchip of the EMV chip card to generate a first cryptogram associated with the first transaction and a second cryptogram associated with the second transaction during a contact interface session or a contactless interface session. The virtual terminal then authenticates the first and second cryptograms over a computer network with a card issuer. Once authenticated, the virtual terminal completes the first transaction and the second transaction.

Abstract: The present invention relates to providing a financial transaction and, more particularly, to a system and method for proceeding with a financial transaction in a financial terminal such as an automated teller machine (ATM) using an approval number resulting from pre-approval. The present invention is directed to providing a system and method for proceeding with a financial transaction, such as a cash withdrawal or a purchase of a gift certificate, by obtaining transaction approval in advance with a portable terminal through communication with a financial institution server or the like and then transferring only a result of the transaction approval to an ATM or the like.

Abstract: An automated system for detecting risky entity behavior using an efficient frequent behavior-sorted list is disclosed. From these lists, fingerprints and distance measures can be constructed to enable comparison to known risky entities. The lists also facilitate efficient linking of entities to each other, such that risk information propagates through entity associations. These behavior sorted lists, in combination with other profiling techniques, which efficiently summarize information about the entity within a data store, can be used to create threat scores. These threat scores may be applied within the context of anti-money laundering (AML) and retail banking fraud detection systems. A particular instantiation of these scores elaborated here is the AML Threat Score, which is trained to identify behavior for a banking customer that is suspicious and indicates high likelihood of money laundering activity.

Abstract: The systems and methods described herein allow users to control access to regulated data of the user (stored in a secured third party database) through interaction on a mobile device (or other computing device), such as to provide a touch gesture on the mobile device that causes the users regulated data to be accessible to a third party. The regulated data may include credit data of the user, such as a credit report or credit file. Access rights to the regulated data may be provided in real-time (or near real-time) in response to a request for the data from a third party, for example. The system may allow a user to respond to an alert or notification that is automatically sent to the computing device of the user in response to a request for a secure regulated data of the user.

Abstract: Point-of-sale (POS) e-commerce transaction verification via a mobile device such as a smart phone, smart watch, tablet, PC, appliance or personal assistant rather than numeric keypad on POS device. Near field communication (NFC), quick response (QR) code, push notification and executable application embodiments disclosed.

Abstract: A method implemented on an augmented reality (AR) device includes accessing a user's investment strategy and selecting a material object. The material object and investment controls are displayed on a display screen of the AR device. The user alters the investment strategy using the investment controls. Alternative replacement objects are generated based on changes that the user makes to his or her investment strategy. One or more replacement objects are projected onto the display to represent an alternative material object that the user can afford based on the changed investment strategy.

Abstract: A system, apparatus, and method for resolving a data transaction is provided in which data transactions are resolved by a hardware matching processor that identifies data transaction requests received from client devices over a data communication network, matches incoming transaction requests with previously received transaction requests, and, based thereon, transmits electronic data transaction results messages to the client device. An incoming data transaction request is received and a match is attempted with one or more previously received but not yet resolved data transaction requests. It is identified whether either the incoming data transaction request or the matching data transaction request are dependent on the resolution of another data transaction request and whether that dependent data transaction request has been resolved. The data transaction requests are resolved and/or stored based on the match and resolution of dependencies.

Abstract: Systems and methods are described for monitoring content consumption. A method may comprise determining, by a device, content accessed by one or more user devices. The method may comprise causing a distributed ledger record to be generated. The distributed ledger record may comprise an indication of the content. The distributed ledger record may be stored on a distributed ledger. The distributed ledger may comprise other records indicating content accessed by a plurality of other devices.

Abstract: A method for approving financial transactions is described. In one embodiment, the method may include receiving, from a transaction interface, a transaction request to approve a financial transaction, determining a payment method of the financial transaction is associated with a regulated account, transmitting, based at least in part on the determining the payment method of the financial transaction is associated with the regulated account, an approval request to approve the financial transaction to a first administrator associated with the regulated account, and upon receiving a response to the approval request, transmitting to the transaction interface a transaction response message indicating whether the financial transaction is approved.

Abstract: A payment system is disclosed including a point of sale device and an issuer. A payment device can be used to initiate a first payment request with a contactless reader. The first payment request is transmitted to an issuer. If the issuer refuses the payment request, then the point of sale device stores information related to the payment device (such as the Primary Account Number) in a storage unit. When a second payment request is received from the payment device the point of sale device can check whether information related to the payment device matches the information stored in the storage unit. If a match is found, then the point of sale device can request verification from a user by way of a user verification unit.

Abstract: Systems and methods for automatically enabling and disabling a purchase card based on predetermined preferences set by a cardholder are provided. The systems and methods enable users to set preferences in advance, and then automatically determine whether to accept or decline a transaction based on the preset preferences. The systems and methods may also implement a learning algorithm to develop preferences based on historical cardholder behavior.