Abstract: A computer-implemented method comprising receiving a request to execute a transaction transferring transaction data from a first account to a second account associated with a second computing device in communication with a distributed ledger, the request comprising an identification of the first account and the second account; identifying a third account associated with a third computing device in communication with the distributed ledger; retrieving first account data for the first account and third account data for the third account from the distributed ledger; comparing a first value from the first account data and a third value from the third account data to a threshold; determining the transaction satisfies a transaction policy; and generating a record in the distributed ledger indicating the transaction transferring the transaction data from the first account to the second account in response to the determination that the transaction satisfies the transaction policy.

Abstract: A computer-implemented method comprising receiving a transaction request from a first node within the plurality of nodes, the transaction request corresponding to a pending transaction between the first node and a second node; identifying a distributed ledger associated with the pending transaction, the distributed ledger including a first record having a hierarchy file indicating a hierarchy among the first node, the second node, and the third node; identifying a second record having an executable file to approve the transaction request received from the first node; executing the executable file, wherein the executable file is configured to retrieve data from a data source associated with the third node and analyze data to approve or deny the transaction request; and appending a third record comprising the set of transaction attributes to the distributed ledger.

Abstract: Aspects of the present disclosure are directed to an automated teller machine (ATM) having personal object scanning and appraisal capabilities, which, in some implementations, can be used for improved valuable personal property (VPP) insurance. The ATM can allow a user to place a personal object in a receptacle having scanning and sensing capabilities provided via, for example, cameras, depth sensors, scales, etc. The ATM can generate a model of the personal object based on the data generated by such scanners and/or sensors, and can apply artificial intelligence models to identify properties of the object. The ATM can further apply a machine learning model trained on known personal objects and past insurance claims to determine a value for the personal object. In some implementations, the ATM can be used in a claims process to compare an original scan of the personal object with a later scan to assess damage.

Abstract: This disclosure describes methods, non-transitory computer readable storage media, and systems that dynamically map tokens according to predicted characteristics of the transaction. Specifically, the disclosed system accesses information associated with a payment account including characteristics of previous transactions associated with the payment account, which corresponds to a plurality of separate sub-accounts (e.g., a debit account and a credit account). The disclosed system determines predicted transaction characteristics for the next future transaction based on the information associated with the payment account. Furthermore, the disclosed system generates a request to a payment network to re-map a token associated with the payment account in connection with a selected sub-account according to the predicted transaction characteristics and a set of rules. The disclosed system also processes a subsequent transaction routed based on the re-mapped token in connection with the selected sub-account.

Abstract: A computing system can train an injury assistance model to provide individualized injury assistance to users involved in injury events. The system can receive incident data identifying an injury to a user. The system may then initiate the injury assistance model on the incident data to provide individualized injury assistance to the user while the user recovers from the injury.

Abstract: A method for detecting collusive transaction fraud includes: generating a merchant baseline including a transaction data baseline and a time series baseline; extracting time series data of the first merchant system; generating a first score and second score with a deep learning model; generating a first merchant risk score of the first merchant system based on the first and second scores; in response to determining that the first merchant risk score satisfies the threshold, determining a plurality of related entities related to the first merchant system; and classifying the first merchant system and at least one related entity of the plurality of related entities in a first group risk class based on at least one risk score of the at least one related entity.

Abstract: Embodiments provide methods and systems for enabling interoperability between different Fast Identity Online (FIDO) service providers. A method performed by the server system includes receiving a mismatch resolution request including authentication information from a payment gateway for a FIDO authentication of a user. The method includes extracting a template associated with the second FIDO service provider from a plurality of templates. The method includes mapping, by a rule-based model, the authentication information on the template and transmitting a FIDO authentication request message including the template to the second FIDO service provider. Upon receiving a FIDO authentication response message including an authentication successful flag from the second FIDO service provider, the method includes transmitting an authentication successful message to the payment gateway.

Abstract: A data processing apparatus for processing network data transmitted from a plurality of remote, distributed terminal devices, comprising: a logic processing device that: accesses, over one or more distributed networks, instructions that define initialization of a process of determining multi-user network sources and that specify to allocate one or more portions of a virtual record among the multi-user network sources by automatically simulating a digital exchange process in which the data processing apparatus is a receiving source to receive at least one of the one or more portions by a processing network.

Abstract: A process may cause a gated autonomous program protocol to be stored on a blockchain. The gated autonomous program protocol is configured to exchange a blockchain unit with a gated wrapped blockchain unit that is exchangeable among blockchain addresses that satisfy one or more gating requirements. The process may verify that an account associated with a particular blockchain address of the blockchain satisfies the one or more gating requirements. The process may cause an issuance of an on-chain verification proof to the particular blockchain address. The on-chain verification proof may be stored on the blockchain as an on-chain representation that the particular blockchain address is verified with the one or more gating requirements. The gated autonomous program protocol verifies the on-chain verification proof before approving a transaction request associated with the gated wrapped blockchain unit that is initiated by the particular blockchain address.

Abstract: Aspects of the disclosure relate to a distributed regulatory tanglegraph consortium system for executing processes in a virtual computing environment. A computing platform may receive a rule from a rulemaking body. The computing platform may parse the rule to identify a virtual computing environment service and/or virtual computing environment product that the rule may affect. The computing platform may separate the rules into groups, wherein each group may correspond to a different virtual computing environment service and/or virtual computing environment product. If the computing platform determines the rule may be non-essential to virtual computing environment transactions, the computing platform might not process the rule.

Abstract: A method executed by a computing device includes selecting a contingency-action token (CAT) of an object distributed ledger that meets minimum CAT requirements. The method further includes determining to select the CAT based on an evaluation of the CAT with regards to an evaluation profile. When selecting the CAT the method further includes facilitating taking control of the selected CAT of a blockchain of the object distributed ledger using a securely passing process and updating the selected CAT utilizing the secure exchange posting information for the CAT to produce an updated CAT. The method further includes causing, using the securely passing process, generation of a new block affiliated with the updated CAT via another blockchain of another object distributed ledger for a secure exchange, where the new block includes the updated CAT.

Abstract: A computer-implemented monitoring system receives an input data stream of electronic data messages and processes the input data stream using a current set of computer instructions to determine a monitoring status. In response to receiving information for modifying the current set of computer instructions, the system dynamically modifies the current set of computer instructions using the received information by injecting one or more modifying computer instructions into the current set of computer instructions resulting in a modified current set of computer instructions. The modified current set of computer instructions are executed to generate a new monitoring status for output.

Abstract: Systems and methods are provided for generating a digital medium of exchange blockchain that is based on a metered amount of generated electrical energy. In one example, a meter computing system coupled to a power generation source can include a sensor that monitors an amount of electrical energy generated by the power generation source over time. The meter computing system can determine when the amount of electrical energy generated by the power generation source reaches a predetermined increment of generated power. The meter computing system can generate a digital unit based on a correlation to the predetermined increment of generated power, wherein the digital unit comprises a unique hashed digital signature that includes unit traceability data. The meter computing system can store the digital unit within a decentralized ledger accessible by the meter computing device.

Abstract: A method, in some implementations, may include obtaining output from a machine learning (ML) model responsive to input data, obtaining initial training data representing training data used to train the ML model, generating, based on the output from the ML model and the initial training data, correction training data that represents a desired alteration to the output from the ML model responsive to one or more particular subgroups in the input data, generating, based on the correction training data, a correction ML model configured to receive, as input, the input data and to output correction values which, when combined with the output from the ML model, perform the desired alteration, and generating corrected output as a combination of the output from the ML model and the output correction values from the correction ML model, and providing, for display, the corrected output.

Abstract: An automatic billing enrollment (ABE) computing device and methods for automatically enrolling a merchant in a bill paying application are provided. The ABE computing device receives a payment transaction associated with a cardholder account, identifies a merchant associated with the payment transaction, and determines whether the merchant is enrolled with a bill pay application associated with the cardholder account by performing a database lookup of enrolled merchants. The ABE computing device then transmits a message to a user device associated with the cardholder account indicating that the identified merchant is not enrolled by the cardholder with the bill pay application and includes an option for the cardholder to enroll the merchant. To enroll the merchant, the ABE computing device determines merchant-associated data elements required by the bill pay application to enroll the merchant, retrieves the data elements, and inputs the data elements into the bill pay application.

Abstract: This disclosure relates to technologies for optimizing of computer systems where the generation and transfer of digital information between a plurality of software, stored in a plurality of databases must be coordinated. More precisely, in the field of health care, the use of software patches in conjunction with highjack of unique protocol features using, for example an Application Programming Interface (API) or similar software modification to leverage transmission segments of a protocol to generate information and automated responses in a second software for use in a first as part of a system, used in a process and method of use thereof.

Abstract: A computer-implemented method comprising receiving a request from a computer of a first of a first computing environment to execute a network operation transferring network operation data from the first data structure to a second data structure associated with a second computing device of a second computing environment; identifying, from a hierarchical model indicating relationships between data structures maintained through a blockchain, a third data structure of a third computing device in communication with the plurality of nodes maintaining the blockchain; retrieving at least one condition corresponding to the third data structure from the blockchain; determining the network operation data satisfies the at least one condition; and appending a first record to a second record of the blockchain.

Abstract: The invention relates to an exchange for paper check transactions via an interbank information network (IIN) architecture. An embodiment of the present invention provides a marketplace for secure collection, assignment and distribution of payments and data from paper check transaction originators to lockbox providers. This eliminates paper checks, resulting in faster deposit into client accounts, better management of payment exceptions, and reduction in overall operating costs. The IIN architecture provides a global platform using blockchain technology for real-time interconnected flow of information that address immediate pain points across the financial industry and enable new services. With an embodiment of the present invention, a distributed network may streamline process for resolving compliance based inquiries and provide global beneficiary account validations.

Abstract: Systems, methods, and apparatuses are described for predicting the identity of significant transactions. A plurality of different transactions may be associated with an account. Those transactions may be filtered and processed (e.g., using a trained machine learning model) to identify one or more significant transactions, such as recurring transactions. Such recurring transaction identification may be performed to generate rules for identifying future recurring transactions. Additionally and/or alternatively, a second machine learning model may be trained to predict the value of recurring transactions in a region.

Abstract: The subject system may be implemented by a processor circuit configured to receive a payment credential request from a user device, wherein the payment credential request comprises a requested amount and indicates a product type, provision, in response to the payment credential request and based at least in part on the product type, a payment credential and a payment account corresponding to the payment credential, wherein the payment account is associated with a balance corresponding to the requested amount, receive, from a merchant system, an indication of an authorization amount and the payment credential, authorize, based at least in part on the balance associated with the payment account, payment of the authorization amount to the merchant system, in response to receiving the indication, and update the balance associated with the payment account based at least in part on the authorization amount, in response to authorizing the payment.