Abstract: A server can include an application programming interface that can determine a data system, among a first financial account data system and a second financial account data system, with which to execute a requested function received via a common user interface. The requested function can be caused to be executed using the data system and the first process or the second process. The operations also include providing a result from execution of the requested function to be outputted for display via the common user interface. The common user interface can provide integrated labeling for receiving data to allow requested functions to be executed using different processes associated with the first financial account data system and the second financial account data system using the integrated labeling.

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: Techniques and apparatus for providing peer-based management of user accounts are described. In one embodiment, for example, an apparatus may include at least one memory and logic coupled to the at least one memory. The logic may be configured to determine a total entity risk value representing a risk position of an entity comprising at least one segment, generate a plurality of risk tokens, each of the plurality of risk tokens having a token value that is a portion of the total risk value, determine a total segment risk value for the at least one segment, the total segment risk value representing a portion of the total entity risk value allocated to the at least one segment, and distribute the plurality of risk tokens to the at least one segment of the entity to correspond with the total segment risk value. Other embodiments are described.

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

Abstract: A system and method for transmitting real-time messages within a supply chain financing (SCF) network using a using a customized and improved messaging protocol is provided. A computing device receives a SCF request message having an SCF messaging protocol including a plurality of data fields including SCF request data related to a request for supply chain financing including an early payment identifier, parses the SCF request message based upon the SCF messaging protocol, selects a financing entity for receiving the request, stores within the memory device the SCF request data, transmits an early payment message having the same messaging protocol to the selected financing entity, receives a confirmation message having the same SCF messaging protocol from the financing entity including a plurality of data fields including SCF confirmation data, and stores within the memory device the SCF confirmation data with the SCF request data.

Abstract: A method includes receiving a travel itinerary including a destination and a time period associated with a user from a third-party computing system via an application programming interface. The method also includes associating the travel itinerary with a financial account having a payment device and generating a dynamic travel profile based on the travel itinerary. The method also includes receiving an authorization request for a transaction initiated by the payment device and involving the financial account. The authorization request includes a transaction location and a transaction date. The method also includes analyzing a context of the authorization request including the dynamic travel profile and a time history of geolocations of the payment device. The method also includes declining the authorization request based on at least one of the transaction location not corresponding to the destination and the transaction date not corresponding to the time period.

Abstract: A system that includes a vehicle system that monitors characteristics of an autonomous and/or semi-autonomous driving program. The system includes a processor that receives a first set of data from the vehicle system. The first set of data is associated with the autonomous and/or semi-autonomous driving program. The processor determines a rate premium based on the first set of data. The processor then displays a visualization that includes the rate premium on a display. The processor receives a second set of data from the vehicle system. The second set of data is associated with monitored performance of the autonomous and/or semi-autonomous driving program. The processor adjusts the rate premium based on the second set of data and displays an adjusted rate premium.

Abstract: A computing system may include a network circuit configured to communicate with a third party computing device via a network, one or more interface elements (e.g., application programming interfaces and/or software development kits) providing account open functionality, and an account open circuit configured to: accept, via the interface elements, a set of user data and an account open request for opening a new account with the provider, where the set of user data is received from a user computing device of a user via a third party website or application; establish the new account by generating a set of account data associated with the new account without directing the user to the operating environment of a website or application of the provider; and transmit the set of account data to the third party computing device for use by the third party computing device in a transaction with the user.

Abstract: Methods and systems for predictively generating an insurance claim in response to detecting an imminent insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store a first set of data received from smart devices disposed on, or proximate to, a property. This data may be analyzed to detect that an insurance-related event is imminent and calculate a likelihood that a property owner will file an insurance claim in response to damage caused by the imminent insurance-related event. If there is a sufficient likelihood that an insurance claim will be filed, the smart home controller or remote processor may store a second set of data received from the smart devices. Subsequently, according to certain aspects, the second set of data may be analyzed to prepopulate an automatically generated insurance claim with information detailing damage to the property caused by the insurance-related event.

Abstract: A system and method for simple checkout is described. A computing device is used to access a website. The computing device receives a selection of an item to purchase at the retail website. The computing device provides purchase authorization information from the credit account app to a checkout of the retail website without the user providing account information for the credit account.

Abstract: A system and method for processing loans includes loan approval decision module that receives input from a loan applicant and collects external data including credit bureau data, bank transaction data, and social media data. The system also includes a machine learning module having a pre-processing subsystem, an automated feature engineering subsystem and a feature statistical assessment subsystem. A business objective determination module and an adverse notice notification module is also provided. The business objective determination module includes a weight optimization company valuation maximization model. A set of models is developed using the machine learning module to predict performance of the borrower based on the business objective determination.

Abstract: Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.

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

Abstract: A computer implemented method for optimizing a delivery or settlement process for a plurality of portfolios of a plurality of participants. Data records indicative of obligations between the plurality of participants are identified. A weighted directed graph data structure is generated that comprises vertex data records representing the plurality of participants and edge data records representing the obligations between the participants. All paths of edge data records where a vertex data record is reachable from itself in the weighted directed graph data structure are identified. The data records indicative of obligations between the plurality of participants are altered based on the identified paths.

Abstract: Disclosed embodiments include computer-implemented methods and systems that permit a market participant to automatically trade a relatively large order block order to accumulate or distribute securities as multiple, relatively smaller, component orders based on order parameters and subject to conditions for the placing and/or execution of such component orders. The component orders may continue automatically, without the need for further intervention from the market participant, until the total quantity specified by the market participant is accumulated or distributed.

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

Abstract: Aspects of the disclosure relate to high-security digital payment systems with instant activation. The systems may include multiple stages of authorization. The multiple stages of authorization may include increasing thresholds of criteria. The system may also include multiple payment instruments with seamless digital wallet integration.