Abstract: A transaction system and process includes providing financial transactions based on a single card. The transaction system and process further including providing prepaid wireless service based on the single card and providing long-distance service based on the single card.

Abstract: Techniques for detecting physical conditions at a physical premises from collection of sensor information from plural sensors execute one or more unsupervised learning models to continually analyze the collected sensor information to produce operational states of sensor information, produce sequences of state transitions, detect during the continual analysis of sensor data that one or more of the sequences of state transitions is a drift sequence, correlate determined drift state sequence to a stored determined condition at the premises, and generate an alert based on the determined condition. Various uses are described for these techniques.

Abstract: Systems and methods for transferring funds to an user account include a payment service provider device receiving a request for fund transfer information for an user account from a payer device that is associated with a payer. The payment service provider device then provides a routing number that is associated with the payment service provider and a virtual account number that is associated with the user account to the payer device. The payment service provider device then receives information from a financial institution about a funds transfer to a payment service provider account that is provided to a payment service provider by the financial institution. The information about the funds transfer includes a funding amount and the virtual account number, and the payment service provider device allocates the funding amount to the user account using the virtual account number.

Abstract: An electronic apparatus includes a communication interface, a memory storing instructions, and a processor. The memory stores instructions that cause the processor to control the communication interface to transmit, to a first server located outside the electronic device, a signal requesting the first server to create a virtual account for an external electronic device, based on identification information of the external electronic device and based on a split payment amount that is allocated to the external electronic device.

Abstract: A decision tree based processing system implements a decision tree data structure to process publicly available files, such as websites suspected to contain data generated by a data transaction processing system which may be constantly fluctuating and varying. The data transaction processing system generates the data based on processing electronic data transaction request messages received over a network.

Abstract: Systems and methods for administering trade orders are described. An embodiment comprises receiving, from a first server operated by a first trader, a communication including a first trade order and one or more selection criteria, the first trade order including at least one of a specified instrument, a specified quantity, and a specified price; determining that a database of trade orders does not contain a trade order matching the first trade order; identifying a plurality of traders satisfying the selection criteria; sending, to a plurality of second servers, a query including at least one of the specified instrument, the specified quantity, and the specified price; receiving, from a one of the plurality of second servers operated on behalf of a second trader, a positive response to the query; and facilitating execution of a trade between the first trader and the second trader for the specified instrument at the specified price.

Abstract: An unpriced order auction and related market center and process are disclosed which allow posting market centers (e.g., exchanges) to schedule an auction that includes unpriced (Market) orders only. Such unpriced order auction executes at the midpoint of the NBBO, ensuring that the cross reflects the best prices in the entire marketplace, while discouraging the manipulation of the auction price on the posting market center. The disclosed auction also executes concurrently, but separately from the regular continuous matching process.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, a computer-implemented method for generating or updating usage-based insurance policies for autonomous or semi-autonomous vehicles may be provided. A request to generate an insurance quote may be received via wireless communication, and with the customer's permission, risk levels associated with intended usage by the customer of an autonomous or semi-autonomous vehicle may be determined. An insurance policy may be adjusted based upon the risk levels and the intended vehicle usage. The insurance policy may then be presented on the customer's mobile device for review and approval. In some aspects, the vehicle may be rented, and the intended vehicle usage is measured in distance or duration of vehicle operation. Insurance discounts may be provided to risk averse vehicle owners based upon low risk levels.

Abstract: A system comprising a plurality of mobile devices, an insurance policy database, and a server is disclosed. The server may be configured to receive barometric data from one or more sensors in each of the plurality of mobile devices, identify that the barometric data indicates an occurrence of at least one catastrophic event, identify a geographic region affected by the at least one catastrophic event, access the insurance policy database to determine a number of insurance policies in the geographic region, estimate a number of catastrophe resources needed to handle the number of insurance policies in the geographic region, and assign at least one of the catastrophe resources to each of the insurance policies in the geographic region.

Abstract: An unpriced order auction and related market center and process are disclosed which allow posting market centers (e.g., exchanges) to schedule an auction that includes unpriced (Market) orders only. Such unpriced order auction executes at the midpoint of the NBBO, ensuring that the cross reflects the best prices in the entire marketplace, while discouraging the manipulation of the auction price on the posting market center. The disclosed auction also executes concurrently, but separately from the regular continuous matching process.

Abstract: A computer program for providing access to auto insurance information comprises a first software widget and a second software widget. The first software widget may appear on a display of a mobile electronic device. When selected by a user, the first software widget displays a first information screen that includes a phone number and a mailing address for an insurance agent of the user. The second software widget may also appear on the display. When selected by the user, the second software widget displays a second information screen that includes an image of an auto insurance card of the user. The second software widget may compare an expiration date from the second information screen with the current date and generate a first indicia if the expiration date occurred before the current date (such as if the virtual auto insurance card is out of date and needs to be updated).

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having autonomous or semi-autonomous operation features are provided. According to certain aspects, vehicle operation safety may be enhanced. An environmental or weather condition (e.g., hail, storm, wind) may be identified that presents a hazard to an autonomous or semi-autonomous vehicle. With the customer's permission, when it is determined that the vehicle is parked in an unprotected location, a protected or covered location to park the vehicle may be identified, a route to that location may be determined, and the vehicle may be directed to travel automatically to the protected location under the operation of autonomous operation features. Insurance discounts or cost savings may be provided to risk averse insurance customers based upon the self-parking functionality that will reduce or mitigate damage to insured vehicles caused by adverse conditions, falling trees or power lines, hail, etc.

Abstract: Systems and methods of fraud prevention are discussed. One such method can include the acts of monitoring one or more events associated with at least one account at a financial institution; analyzing characteristics associated with a first event of the one or more events; determining whether to designate the first event as risky; and implementing one or more measures in response to the designation of the first event as risky.

Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.

Abstract: A data mapping (DM) computing device including a processor and a memory in communication with the processor is provided. The processor receives a plurality of validated data messages associated with a plurality of transactions through a first communication channel and receives a non-validated data message associated with a first transaction through a second communication channel. Each validated data message includes a plurality of validated data elements with a validated merchant identifier. The non-validated data message includes a plurality of non-validated data elements with a non-validated merchant identifier.

Abstract: A system for closing pre-authorization amounts on a virtual token account is disclosed. The system may receive a transaction authorization request for a virtual token. The virtual token may be associated with a parent transaction account, and have a virtual token ID, a token parameter, a virtual token balance, an authorized variance, and a settlement variance. The transaction authorization request may have a transaction request amount and be linked to the virtual token ID. The system may compare the transaction request amount to the virtual token balance and the authorized variance, and authorize the transaction authorization request in response to the transaction request amount being less than the virtual token balance. The system may compare the settlement variance to the virtual token balance, and expire the virtual token in response to the virtual token balance being less than the settlement variance.

Abstract: A system may automatically identify electronic records to be routed to a supplemental review process via an automated back-end application computer server. The system may include a data store containing electronic records, each electronic record representing a potential new risk association with an entity, and each electronic record may contain a record identifier and a set of record characteristic values. The computer server may then access the electronic records and automatically generate, by an advanced analytics decision making model based on the record characteristic values, a supplemental review process indication for the potential new risk association of each entity.

Abstract: Personalized insurance systems, including vehicle-based devices and modules, insurance system servers, personal mobile devices, and other computing devices, may operate individually or in combination to determine and implement personalized vehicle insurance policies. Such policies may be driver-specific, time-specific, vehicle-specific, and/or driving-trip specific. Various driver data, vehicle data, and driving trip data may be received and analyzed in order to determine usage-based insurance parameters for vehicle driving and non-driving activities. Personalized vehicle insurance policies may be presented to and accepted by drivers, after which the drivers and one or more associated vehicles may be monitored to detect and store vehicle usage data in accordance with the personalized insurance policy.

Abstract: The present disclosure relates to systems and methods for optimizing benefits plan options offered by an organization through balancing derived population preferences with organizational preferences by analyzing historical selections made by individuals. Census data dividing members of an organization into census divisions may be applied to machine learning algorithm(s) to derive estimated selection preferences of the members. Using selection preferences, costs of various product offering scenarios and overall member satisfaction estimates of the scenarios may be calculated. Product offering scenarios meeting member preference criteria and organizational budget criteria may be presented for review.

Abstract: A method and system adaptively improves potential customer conversion rates, revenue metrics, and/or other target metrics by providing effective user experience options to some users while concurrently testing user responses to other user experience options, according to one embodiment. The method and system selects the user experience options by applying user characteristics data to an analytics model to identify a predictive model that selects or determines the user experience options, according to one embodiment. The method and system analyzes user responses to the predictive model and/or user experience options to update the analytics model, and to dynamically adapt the personalization of the user experience options, according to one embodiment. The method and system dynamically and automatically defines, evaluates, and updates analytics models to provide progressively improving personalization of user experiences in a software system.