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: 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: 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: Aspects of the disclosure relate to event processing. A computing platform may prefetch, prior to receipt of a purchase request, a plurality of pay to addresses (associated with an omnibus account, used to route funds from the omnibus account to a merchant account, and not associated with a particular merchant account when prefetched). The computing platform may receive, from a client, a request to make a purchase from a merchant, and may associate the client and the merchant with one of the prefetched pay to addresses/notify the client of the prefetched pay to address. The computing platform may monitor the prefetched pay to address for receipt of a predefined amount of cryptocurrency associated with the purchase. Upon detecting receipt of the predefined amount of cryptocurrency, the computing platform may transfer funds corresponding to the purchase from the omnibus account to an account for the merchant.

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 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: 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 herein provide a safety system for ingesting data from disparate, remote databases that include data associated with driver information. The systems normalize the data and decode the data to apply standard forms and formats. Data is then presented in one or more user interfaces having visual indicia indicating the status of the drivers. Further, the systems can monitor for changes to the data and provide alerts should the data change and the risk presented by the driver change.

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: 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: 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: A method of performing transaction processing operations at computing apparatus is provided, together with computing apparatus adapted to manage these operations. The computing apparatus includes a programmed processor adapted to provide the following functional elements. A agent manager node is adapted to install and deinstall transaction processing nodes. A transaction operation rules database holds transaction operation rules. An interface to a transaction processing infrastructure receives transaction data for the transaction processing operations. The transaction processing nodes are adapted to perform the transaction processing operation on the transaction data using the transaction operation rules under control of the agent manager node.

Abstract: Methods and systems for monitoring use, determining risk, and pricing insurance policies for a vehicle having one or more autonomous or semi-autonomous operation features are provided. According to certain aspects, the operating status and/or configuration of autonomous operation features of an autonomous or semi-autonomous vehicle may be determined, such as via an on-board computer system or mobile device, and/or then directly or indirectly wirelessly communicated via data transmission from the vehicle computer system or mobile device to a remote server. An adjustment to one or more risk levels associated with operation of the autonomous or semi-autonomous vehicle may also be determined, and an auto insurance policy, premium, or discount may be adjusted based upon the adjustment to the risk levels and presented to the customer for their review and approval. As a result, insurance cost savings may be passed onto risk averse customers that opt into to a rewards program.

Abstract: Disclosed are various embodiments for closing pre-authorization amounts on a virtual token account. In one example, among others, a computing device is configured to generate a virtual token that is associated with a parent transaction account. An authorization request is received for a virtual token transaction, which is associated with the virtual token. A transaction request amount is compared to a virtual token balance of the virtual token. The authorization request for the virtual token transaction is authorized based on the comparison between the transaction request amount and the virtual token balance. The computing device determines not to expire the virtual token based on a comparison between the settlement variance and the virtual token balance. The settlement variance is adjusted based on the virtual token balance being within a threshold of the settlement variance.

Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are provided. The data may be used to determine whether the home device is operating within an expected range or, if it is outside of an expected range or threshold, whether a home event has occurred. Upon occurrence of the home event, an insurance claim to cover any damage caused by the home event may be initiated and/or processed. In some examples, repair of any damage may also be coordinated by the system. In some arrangements, the initiation and/or processing of the claim, and/or coordination of the repair may be performed without any additional input from the user associated with the policy, home device, etc. or with limited additional input from the user.

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: 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 system and method for detecting fraudulent activity in the execution of transactions is disclosed. The system comprises a monitoring device for reviewing data relating to execution of transactions, a transaction profile and an alert module. The transaction profile includes a plurality of historic data items relating to typical transactions, which can be compared with current execution of transactions to generate an alert by the alert module if unusual activity is determined.

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.