Abstract: An accountability management system for determining an accountability in terms of a responsibility score for an investor of an enterprise. First footprint for a first node and second footprint for a second node are determined. A first fraction of the first footprint and a second fraction of the second footprint is allocated to the enterprise whose transaction from the first node and the second node defines the first fraction and the second fraction. A first degree, a second degree, and a third degree are determined. An aggregate offset attributable to the enterprise is determined from the first, the second, and the third degree. The responsibility score is determined for the investors based on the aggregate offset. Changes to the data sources, the first node, the second node, or a connection between the first node and the second node leads to updating of the aggregate offset and the responsibility score.

Abstract: Methods and systems for developing virtual models and assessing a condition of a feature of a modeled property within a virtual environment are described herein. A server may receive a data request from a user electronic device. The data request may comprise a property of interest located in an overall region. The server may then dynamically acquire a virtual model for rendering the property within a virtual environment at the user electronic device based on the data request. The server may then determine to assess a condition of the feature associated with the property represented in the virtual model in accordance with rules. The condition of the feature is relevant to assessing risks associated with the one or more properties. The server may subsequently obtain an assessment of the condition associated with the feature of the property based on a representation of the condition within the virtual environment.

Abstract: An apparatus is configured to receive a complaint initiation signal that includes an indication that a card reader may be compromised, and initiation date and time of the complaint, and geolocation data related to the reporting party. The apparatus is further configured to identify a street address closest to the geolocation data in the complaint using a geolocation application programming interface and the set of geolocation data. The apparatus is also configured to determine that the identified street address is associated with an entity. The apparatus then calculates a confidence interval as to whether that entity is the type of entity that uses a card reader. The apparatus is further configured to determine that the confidence interval exceeds a threshold. The apparatus is also configured to determine an identifier of the entity. Further, the apparatus is configured to publish an alert to a data feed.

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: Disclosed embodiments include systems and methods for improving the accuracy of online banking systems. In various embodiments, the system includes a user device capturing receipt information from one or more e-commerce application and a server device for associating captured receipt information with transaction data. The system may include a browser extension for facilitating automatic capture of receipt information and a matching module for associating receipt information with transaction data. In various embodiments, transactions displayed in transaction statements within an online banking application are augmented with item level data including product name, price, and vendor for each product included in a transaction.

Abstract: A method, apparatus and computer program product are provided for providing a patient with prescribed medication cost information at a point of prescribing. A prescription benefit coverage inquiry is received and provided to a claims processor for processing. Historical data associated with prior prescription transactions is utilized to determine an estimated cost range of a prescribed medication in the event of an insufficient or absent response from a benefits manager. The estimated cost range is then provided to a prescriber to share with a patient. A targeted out-of-pocket cost according to incentives, such as vouchers and drug manufacturer rebates may also be provided.

Abstract: A system including a network interface and a processing circuit is provided. The processing circuit includes one or more processors coupled to non-transitory memory. The processing circuit is configured to receive a transaction request associated with a payment card. The transaction request includes a transaction amount. The processing circuit is further configured to determine that the transaction amount would cause a violation of a daily spending limit associated with the payment card. The payment card includes a smart chip. The processing circuit is additionally configured to apply an adaptive daily spending limit (ADSL) override of the daily spending limit based at least in part on a determination that the transaction request originated from the payment card having the smart chip, and approve the transaction request based on the ADSL application.

Abstract: A method, apparatus and computer program product are provided for providing a patient with prescribed medication cost information at a point of prescribing. A prescription benefit coverage inquiry is received and provided to a claims processor for processing. Historical data associated with prior prescription transactions is utilized to determine an estimated cost range of a prescribed medication in the event of an insufficient or absent response from a benefits manager. The estimated cost range is then provided to a prescriber to share with a patient.

Abstract: The invention relates to a data processing method based on NFC tag. The method comprises: reading the NFC tag, the NFC tag comprising tag content and tag ID; generating an NFC tag payment request based on the tag content and tag ID; parsing the NFC tag payment request and obtaining an parsing reply to the NFC tag payment request; generating an order generation request based on the parsing reply, wherein the order generation request is for causing an order to be generated based on first account information, current transaction information and second account information; generating the order based on the order generation request; and payment step for performing payment based on the order. According to embodiments of the invention, the payment process can be simplified, also, there is no need to set the NFC-specific reading device in the embodiments of the invention, and the cost of merchants can be reduced.

Abstract: Methods and systems for assessing property based on predictive analytics techniques that use external data are described herein. A server may identify a reference set of information for a reference property evaluated with a reference risk score in accordance with a risk score rule that meets a predetermined threshold. The server may obtain an external data file from an external data source, wherein the external data file includes an external set of information for a prospective property. The server may compare the reference set of information with the external set of information to identify a common feature, condition, or attribute, and if identified, may evaluate the prospective property by determining a predicted risk score based on the external set of information in accordance with the risk score rule. If the predicted risk score is determined to meet the threshold, the server may indicate the prospective property as pre-approved.

Abstract: Systems and methods for universal item returns. A universal returns systems allows a user the ability to return an item via a distribution network whether the item was purchased at a retail location, delivered by the distribution network, or delivered by another entity. The universal returns system comprises a user interface a return request. Based on the return request, the system obtains transaction information, provides a return code, and allows scheduling item pick-up.

Abstract: A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.

Abstract: Apparatus and methods for a payment instrument are provided. The apparatus may include a primary chip positioned on an outer face of the payment instrument and a power source. The apparatus may include a first supplementary chip, a second supplementary chip, and a third supplementary chip. Each of the first, second and third supplementary chips may be positioned within a thickness of the payment instrument and configured to draw power from the power source.

Abstract: There is provided a wireless communication device that includes a communication unit that performs wireless communication with a connection device, and a control unit that encrypts a wireless communication channel with the connection device on the basis of a digital certificate issued by a certificate authority server. The communication unit receives payment information and a valid type of payment from the connection device via the encrypted wireless communication channel. The control unit determines a payment server on the basis of the valid type of payment and causes the communication unit to transmit a payment request based on the payment information to the payment server.

Abstract: A method for enrolling a holder of a biometric transaction device includes the following step: storing at least one biometric pattern in the device. The method further includes the following steps: a) providing the holder with a portable, mobile power connector, configured to trigger the storing; b) and/or activating the biometric pattern, the activation being carried out in response to or in association with a successful authentication of the holder. A corresponding system is also enclosed.

Abstract: A computing system includes one or more processors and one or more computer-readable storage media communicatively connected to the one or more processors and having instructions stored thereon that, when executed, causes the one or more processors to receive a request from a user device to initiate an electronic transaction to a beneficiary, identify a risk associated with the beneficiary, calculate a risk score for the electronic transaction based on the risk, transmit a notification to the user device, wherein the notification causes display of one or more mitigation activities for reducing the risk, receive data from the user device associated with the one or more mitigation activities, compare the data with information corresponding to the beneficiary stored in a data store, recalculate the risk score based on the comparison, and transmit an electrical signal to the user device to cause the display of a result of the recalculation.

Abstract: Methods, apparatus, and systems for processing data transactions use a sequencer communicating with a plurality of data processors and provide improved performance and lower latency.

Abstract: According to one embodiment, a method of managing trading is provided. A first offer for a particular instrument in a particular market is received from a first market maker at a first offer price. A first bid for the same particular instrument in the same particular market is received from a second market maker at a first bid price, the first bid price being higher than or equal to the first offer price. As a result of the first bid price being higher than or equal to the first offer price, the first offer price is automatically increased to a price higher than the first bid price such that a trade is not executed between the first offer and the first bid. In some embodiments, such method may be used to protect market makers from unwanted trades caused by inherent latency in the market makers' pricing engines and/or networks.

Abstract: Implementations of the present specification disclose a blockchain data processing method, apparatus, device, and system. A request for transitioning a state of a contract stored at a blockchain system is received at a plurality of blockchain nodes of the blockchain system. The request includes signature data of at least one state participant of the contract. The contract is associated with a pre-determined number of participants. The signature data is verified at a blockchain node. The verification is based on at least one public key corresponding to the at least one state participant. A determination is made whether the signature data of the at least one state participant is verified. In response to determining that the signature data of the at least one state participant is verified, a new contract state defined in the request is confirmed. The pre-determined number of participants is pre-determined in the contract.

Abstract: An electronic device and a method of payment by the electronic device are provided. The electronic device includes a local wireless communication circuit, a first biometric sensor and a second biometric sensor, a security module configured to store payment information corresponding to a payment card, a processor electrically connected to the first biometric sensor, the second biometric sensor, the local wireless communication circuit, and the security module, and a memory electrically connected to the processor, wherein the memory is configured to store instructions that cause the processor to select at least one of the first biometric sensor or the second biometric sensor, based on a security policy of an issuer of the payment card or a security policy of the payment card, authenticate a user by using the selected biometric sensor, and if the authentication is successful, transmit the payment information to an external device through the local wireless communication circuit.