Abstract: The invention provides a computer-implemented method for performing an exchange via a blockchain, comprising the step of submitting a funding transaction to the blockchain network, wherein the funding transaction i) comprises a tokenised contract relating to an asset to be transferred from a second user to a first user; and ii) is signed by the first user. It also comprises the step of sending, from the first user to the second user, one or more subsequent transactions wherein each said subsequent transaction spends an output of the funding transaction and is signed by the first user. It includes the step of submitting one of the subsequent transactions to the blockchain network, the submitted transaction having been signed by the second user.

Abstract: Technology related to processing multi-customer transactions is disclosed. In an example, an interactive element is generated for a transaction and an indication that a device of a first customer captured the interactive element is received. In response to receiving the indication, at least a portion of a listing of items associated with the transaction are presented via a user interface of the device of the first customer. A request to initiate a payment for one or more first items selected by the first customer from at least the portion of the listing of the items can be received and payment for an amount of the one or more first items using funds associated with an account of the first customer can be initiated, wherein a remaining balance associated with one or more remaining items associated with the transaction is payable by at least a second customer.

Abstract: Bids on a power trading market can be performed to improve an economic balance of power generation plants and power companies. In order to solve the above problems, in the present invention, a plant operation assistance system 10 that assists the operation of a thermal power plant 1101 and a pumped storage power plant 1102, which supply power to a power transmission network A, specifies a power amount that can be bid on a power trading market based on net reserve power of the power plants including another company's power generation plant 3001 when power sales on the power transmission network A drop, transmits bid data including the power amount to a power exchange system 20, and can transmit power from the power generation plant to a power transmission network B if contracted by the power exchange system 20.

Abstract: An example operation may include one or more of connect to a blockchain network of an ecosystem comprised of a plurality of consumer nodes, generate a universal unique identifier (UUID) associated with a user data attribute, execute a query request for the user data attribute associated with the UUID, derive a disclosure level from the query request, execute a smart contract to commit to a blockchain ledger, a monetary value associated with the user data attribute, negotiate a transaction with the consumer node to access the user data attribute and record an agreement result onto the a blockchain ledger.

Abstract: A computer system includes a processor programmed to process a first web page to identify a hyperlink contained thereon. The hyperlink includes a link to a second web page. The processor performs natural language processing on the first web page to determine one or more context word tokens and on the second web page to determine a context of the second web page. The processor also applies a context relevant tag to the hyperlink to generate a tagged hyperlink. The processor maps at least one of the context word tokens to the context relevant tag applied to the hyperlink and generates a transaction score for the tagged hyperlink.

Abstract: A withdrawer computing device may send to an application server device a cash withdrawal request for a cash withdrawal of an amount of physical cash. The withdrawer computing device may then receive from the application server device a quote of a cash withdrawal fee for the cash withdrawal, obtain an acceptance of the quote, and send a notification of the acceptance to the application server device. The withdrawer computing device may also receive an indication that the cash withdrawal has been completed, and transmit to the application server device confirmation that the cash withdrawal has been completed. A withdrawer electronic funds account may then be debited by the amount of physical cash and the cash withdrawal fee and a depositor electronic funds account may then be credited by the amount of physical cash and the cash withdrawal fee.

Abstract: A message exchange method and apparatus, a non-transitory storage medium, and an electronic device are provided. The method is applied to a user equipment and includes: displaying bill information of a target bill in a window of a group session in which a target object is located, the target bill recording a resource value of a to-be-transferred virtual resource of an object comprised in a first object set and a resource value of a to-be-received virtual resource of an object comprised in a second object set; performing a virtual resource transfer operation according to a target resource value recorded in the target bill; and displaying a bill reconciliation message when a resource value transferred by the first object set reaches a total resource value of the to-be-transferred virtual resource and a resource value received by the second object set reaches a total resource value of the to-be-received virtual resource.

Abstract: Transactions may be performed using a mobile device such as a user-wearable device using LoRaWAN protocol to minimize power consumption while maximizing communication range. Transaction information may be stored in the user-wearable device and transmitted to a transaction processing device using LoRaWAN communications. Transaction information may include user-specific information, payment information, merchant information, product information, user preference information and the like. In some instances, the only communication interface (or wireless communication interface) provided in the mobile device is a LoRaWAN communication interface.

Abstract: An application server for automated data transfers and associated methods are disclosed. A request to initiate a data transfer from a first account of a first entity to a second account of a second entity is received. A request to initiate a first data transfer from the first account to an intermediary account of an intermediate entity is sent to a data transfer server. After a threshold duration of time and while the first data transfer is in flight, transaction data and fraud risk are received. A likelihood that the first data transfer fails without completion based on predetermined authorization criteria is determined. In response to a determination that the likelihood is below a data transfer failure threshold, a request to initiate a second data transfer from the intermediary account to the second account is sent to the data transfer server.

Abstract: In certain embodiments, location-based activation of card identifiers may be facilitated. In some embodiments, an electrophoretic display card may store a set of location-specific card identifiers, where each card identifier of the set is associated with (i) an account of a user and (ii) creation location information indicating a device location of the user at a creation time of the card identifier. In response to being powered by a user device, the card may initiate wireless communication with the user device. The card may determine a device location of the user device, select a card identifier from the set of card identifiers that matches the device location, and switch a state of the card identifier to an active state to enable transaction processing for the card identifier. In some embodiments, the card may cause the active card identifier to be presented on an electrophoretic display of the card.

Abstract: A method for facilitating a transaction may include generating, via a token server computer, a token for use by a first entity computer, wherein the token is generated in response to a request received from the first entity computer. The method may also include transmitting, via the token server computer, the token to the first entity computer, wherein the first entity computer transmits the token to a second entity computer. The method may also include receiving, at the token server computer and from the first entity computer, data indicative of the second entity computer successfully receiving the token. The data may include a hashed value derived from at least the token, data indicative of an identity of the second entity computer, and writing, by the token server computer, the data indicative of the second entity computer successfully receiving the token to a registry.

Abstract: A computerized method for providing an interactive graphical user interface (GUI) to a user on a display of a mobile device. The method interacts with the user to obtain information about a first payment account and a second payment account. The method aggregates parameters of the first payment account and the second payment account on a unified GUI on the mobile device. The method further monitors transactions of the first payment account and the second payment account. When a particular transaction conducted by the first payment account includes parameters associated with the second payment, the method identifies that particular transaction and presents a confirmation GUI screen to the user to confirm using the second payment account instead.

Abstract: Disclosed is a system and method for implementing a network enabling an interoperable exchange of electronic payment information, which connects two parties to a transaction using established rules, technology, and trust model. Such systems and methods provide a shared set of rules and common APIs, and enable validation of the accuracy of all data exchanged via API. In order to maintain data, the systems and methods described herein enable each participant to only see interactions and information that is relevant and permissioned to such participant, all while maintaining no central data store for the sensitive electronic payment information. Each participant is vetted and authorized by a system administrator as a validated “Credential Service Provider” (“CSP”) and governed by rules created and managed by the administrator. Further, an auditable trail of all transactions is maintained by logging metadata to track events and changes to permissions.

Abstract: Methods and apparatus consistent with the present disclosure allow a customer or payor to select from a plurality of nearby vendors or payees when a computing device of the payor is physically close to electronic devices of the payees. Payee devices and locations of those payee devices may be identified and displayed on a display of a payor device. Once displayed, a specific payee device may be selected by the customer and an order for a product or service may be sent to the selected payee device from the payor device. After the product or service has been provided to the customer, information that confirms that purchase may be sent to any of the selected payee device, the payor device, or a payment processing computer and funds to pay for the product or service may be deposited into an account of the payee based on the confirmation.

Abstract: Prioritizing a customer service agent's responses to customer messages. In one form, an expected response time target is determined based on a time interval between sending an agent response and receiving a customer response from a particular customer. In other forms, other objective factors, such as message intervals, customer properties, and message properties, are used to determine the expected response time target. In yet other forms, a customer conversation can be automatically closed if the customer does not respond within a predetermined maximum time interval.

Abstract: This application relates to a data processing method performed by a computer device. The method includes: for each block of a plurality of blocks in a first block file of a blockchain platform, detecting a to-be-maintained transaction record in the block; selecting, from a hash tree of the block, nodes used for proving that the transaction record belongs to the block; constructing a node maintenance tree according to the selected nodes; storing the transaction record at a corresponding leaf node of the node maintenance tree; migrating an association between a block head of the block and the node maintenance tree storing the transaction record from the first block file to a second block file, the block head of the block being adjacent to a block head of a previous block in the second block file; and deleting the first block file after the update processing for each block is completed.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) security. A method includes detecting, by the ATM, an intruder proximate the ATM using sensed detection information, determining intruder type information based on the sensed detection information, transmitting the intruder type information to a provider computing system, receiving an instruction to use a level of security defense measure based on the intruder type information, using the level of security defense measure, monitoring a movement of the intruder in response to the level of security defense measure, and in response to the movement of the intruder, determining whether to use an increased level of security defense measure.

Abstract: The technology described includes an adaptive probability matrix that creates a notification schedule. The schedule can be used to send reminders to users to press a physical, connected device/button, that when pressed or clicked, causes money to be transferred according to a set of rules (i.e., a “one-click” transfer of funds).

Abstract: A computer-implemented method includes receiving from a telemetric apparatus carried by a first vehicle an identity of an operator of the first vehicle and kinematic data characterizing movement and first location of the first vehicle. At least one weather condition associated with the first location is received from a source of environmental data. At least one of terrain geometry of the first location, road speed limit at the first location, vehicle-to-infrastructure (V2I) data generated by an instrument proximate the first location, and vehicle-to-vehicle (V2V) data generated by an instrument proximate the first location is received from a source of location-specific data. The data received by the first communication device is stored in a database. Data from the database is provided to at least one entity.