Abstract: A processor may obtain financial data for a user. The processor may process the financial data to generate feature data indicative of at least one feature. The processor may compare the at least one feature to at least one threshold value to determine that the user has a cognitive bias affecting a financial preference of the user and associated with the at least one threshold value. The at least one threshold value may denote a threshold for membership in a cluster of unlabeled users having the cognitive bias. In response to the comparing, the processor may identify a change applicable to a financial account of the user. The change may be associated with the cognitive bias. The processor may automatically cause the change to be implemented by a network-accessible financial service.

Abstract: Methods for smartwatch-to-smartwatch payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartwatch. The transfer of funds initiation may include an identifier, an amount and a personal identification number (“PIN”). Methods include transmitting the transfer of funds initiation from the first smartwatch to a second smartwatch. Methods may include receiving a notification on the second smartwatch. The notification may include a first smartwatch telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartwatch to an entity. The transfer of funds request may include the first smartwatch telephone number, the transfer of funds initiation and the second smartwatch telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account.

Abstract: There is provided an information processing method performed by one or more processors of a first information processing device that executes predetermined settlement processing corresponding to a predetermined settlement service.

Abstract: The described technology displays, at a GUI, a graph of one or more financial curves having one or more actionable indicators indicative of one or more tradable events associated with modeling and/or trading at least one market asset or financial instrument at a financial marketplace. The one or more indicators display a current real-time market value of a tradable event associated with the market asset or financial instrument. Input is received at the GUI from a trader to perform an action associated with the financial curve. In response to receiving the input, the action is initiated and the results are displayed at the GUI.

Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.

Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: determining a first physical location of a user; comparing the first physical location to data indicative of network availability; and in response to comparing the first physical location to data indicative of network availability, generating a first electronic token and a second electronic token for a mobile computing device associated with the user.

Abstract: A computer method and system designed to use artificial intelligence data (AI), alternative data, Internet of Things (IoT), biometric data, and machine learning to determine the suitability of a specific investment product for an interested investor while vetting and validating or rejecting a buyer on behalf of a seller prior to entering into a transaction for a specific buyer type or characteristic or value of an order.

Abstract: Certain aspects of the present disclosure provide techniques for predicting a transaction time based on user position data. In certain aspects, a method for predicting a transaction time based on user position data includes obtaining a transaction record and one or more user positions associated with a user. The method also includes obtaining one or more business records associated with each respective user position. The method further includes calculating one or more similarity scores, where each similarity score is based on a similarity between a respective business record and the transaction record. The method also includes associating the transaction record with a business record based on a maximum similarity score of the one or more similarity scores. The method further includes determining a predicted transaction time for the transaction record based on at least a timestamp of a user position associated with the business record associated with the transaction record.

Abstract: A provider computing system includes a bill pay application circuit configured to receive a request from a user to pay an amount of funds to a biller, determine a customer funds account number for the user, determine a biller funds account number for the biller, and generate a payment request. The provider computing system includes a transaction management system configured to receive the payment request from the bill pay circuit and provide a first post and a second post to a funds account circuit and generate a payment notification. The provider computing system includes a biller posting services circuit configured to receive the payment notification and determine a corresponding customer bill account number. The biller posting services circuit is configured to generate a data object that includes the payment notification and the customer bill account number and cause the data object to be provided to a biller computing system.

Abstract: A card use system includes a first client configured to send a card use request including card information of a card, and display a payment code including a first resource account number corresponding to the first client; a second client configured to send a payment request to transfer a first quantity of resources from the first resource account number to a second resource account number corresponding to the second client; a card server configured to validate the card according to the card information; and in response to successfully validating the card, send a confirmation indication to the payment server; and a payment server configured to, in response to receiving the confirmation indication from the card server, transfer a second quantity of resources in the first resource account number corresponding to the first client to the second resource account number corresponding to the second client.

Abstract: A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device. The program logic may further include interface logic coupled to the account management logic and the data storage device, the interface logic configured to connect the data processing system to computing systems associated with the plurality of users by way of the Internet, the interface logic providing the plurality of users with web access to an on-line banking area of a website of a financial institution.

Abstract: Various embodiments of exchanges are described. Methods and other embodiments are also described.

Abstract: Systems and methods for implementing a confirmation period are disclosed. An example method includes identifying a market condition associated with a quantity of a tradeable object of a trading strategy, wherein the market condition triggers an adjustment to the trading strategy; initiating a confirmation period in response to the market condition; when a reevaluation of the market condition during the confirmation period indicates that the market condition has ceased, preventing the adjustment to the trading strategy; and when the market condition persists throughout the confirmation period, proceeding with the adjustment to the trading strategy.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of intelligent portfolio replication. The innovation receives an investment action request from a user. The investment action request is associated with a user investment account having a destination portfolio. The investment action request indicates a target portfolio. The target portfolio includes investments that are accessed. Allocations of each investment in the target portfolio are determined. The innovation determines trades that replicate the target portfolio using the determined allocations and a designated value of the destination portfolio. The trades are executed such that the target portfolio is replicated in the destination portfolio according to the allocations.

Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.

Abstract: An artificial intelligence system for managing a consumer relationship is provided. The artificial intelligence system includes: one or more client entities; a storage device configured to store data related to actions and characteristics of the one or more client entities, the actions and characteristics relating to payment of accounts receivable; one or more machine learning server devices configured to generate and update a machine learning model based on previous actions and characteristics of said one or more client entities; and predict future actions of the one or more client entities with respect to the payment of accounts receivable, based on the machine learning model.

Abstract: An electronic device and method are disclosed herein. The electronic device includes a touch screen display, a wireless communication circuit, a processor and a memory. The processor implements the method, including receiving a first user input indicating a transaction card associated with an issuer identification, storing information for the transaction card, transmitting to a request to initiate a search for a plug-in software program associated with the issuer identification, receiving a response identifying at least one searched plug-in software program, receiving a second user input requesting installation of the at least one plug-in software program, transmitting an access request requesting download of the at least one plug-in software program, downloading and installing the at least one plug-in software program, transmitting a request for authentication of the installed at least one plug-in software program, and based on a result of the authentication completing the installation.

Abstract: Provided is a control method including: receiving, from first power equipment, first transaction data including, for example, transmitted power amount information indicating the amount of power transmitted to power accumulation equipment; obtaining, from the power accumulation equipment, received power information including, for example, received power amount information indicating the amount of power received from the first power equipment; verifying the first transaction data by referring to the received power information; executing a first consensus algorithm with second servers when the first transaction data is verified successfully; and recording a block including the first transaction data in a distributed ledger of a first server when the validity of the first transaction data is verified through the first consensus algorithm.

Abstract: A system that allows developers to designate transactions for an application to track and monitor the performance of their applications on various mobile devices. In some embodiments, each transaction is composed of multiple interactions across several different screens that interact with different services or functions. The transactions of some embodiments overlap or are nested within each other, so that multiple transactions are monitored simultaneously. In some embodiments, each transaction is assigned a value, allowing a developer to prioritize troubleshooting in an application, as well as quantifying the costs of various issues in the application. In some embodiments, the system includes a transaction agent is installed on various devices that identifies and monitors transactions in the system and a transaction server that receives transaction data from the mobile devices and processes the data to allow a developer to monitor the performance of the application.

Abstract: An example operation may include one or more of a method for providing a one-step transaction submission in a blockchain network, comprising sending a transaction proposal, by a client node, to one or more peers of a plurality of peers, simulating a transaction associated with the transaction proposal, by at least one peer of the plurality of peers, evaluating, by an endorser peer, whether an endorsement policy has been fulfilled, and when the endorsement policy has been fulfilled, sending the transaction to at least one orderer node to be committed to a ledger, by the endorser peer.