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.

Abstract: Provided are a system, method, and computer program product for authenticating a transaction based on behavioral biometric data. The method includes receiving an authorization request message associated with a transaction between a merchant system and a payment device. The method also includes determining that an additional security authentication should be applied to the authorization request message based on transaction data. The method further includes communicating an authenticity assessment request to a behavioral biometrics server computer and receiving, from the behavioral biometrics server computer, an authenticity assessment response generated based on at least a portion of the transaction data. The method further includes generating, based on the authenticity assessment response, an authentication response message configured to authenticate or decline the transaction.

Abstract: Various example embodiments of the disclosure relate to an electronic device and a wireless communication connection control method thereof.

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

Abstract: A computing system can determine a subset of users that have been affected by an event occurring in a given area. Subsequent to the event, and for each respective user of the subset of users, the system generates interactive follow-up content specifically tailored for the respective user. The system can transmit updated content data to the computing device of the respective user, causing the computing device of the respective user to present the interactive follow-up content. Based on user interaction by the respective user with the interactive follow-up content, the system can receive contextual information provided by the respective user, the contextual information corresponding to damage or loss resulting from the event as indicated by the respective user.

Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.

Abstract: Fraud detection within a special purpose hardware platform to detect payment interception of a first authentication file and initiate payment mitigation. A payee associated with a payee terminal device is verified as the intended recipient of the first authentication file, and the first authentication file is determined to have been intercepted in its intended delivery to the payee terminal device. A second authentication file is generated and delivered to the payee terminal device.

Abstract: Techniques include generating an electronic insurance claim statement. First three-dimensional image data representing an environment and a first plurality of objects disposed within the environment at a first time, is received at the first time. Second three-dimensional image data, representing the environment at a second time, is received at the second time. A difference is determined between the first three-dimensional image data and the second three-dimensional image data. An object is identified based at least in part on the difference. An electronic device displays a three-dimensional image of the environment based at least in part on at least one of the first and second three-dimensional image data, including a three-dimensional rendering of the object. An input is received and the electronic insurance claim statement is generated, including at least an identification of the object and an indication of the difference, based at least in part on the input.

Abstract: Provided are methods, systems, and computer program products for verifying a payment device using a magnetometer. The method includes detecting a magnetic signature of a payment device based on a magnetic field of the payment device affecting the magnetometer. The magnetic signature may be determined based on the structural composition of the payment device or a circuit arranged on or embedded in the payment device. The method also includes receiving payment device data for a transaction requested between an account associated with the payment device and an account of a merchant. The method further includes comparing the magnetic signature detected from the payment device with a stored magnetic signature associated with the payment device. The method further includes, in response to determining that the magnetic signatures match, approving the transaction.

Abstract: A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.

Abstract: A computing system can receive monitoring data from the one or more monitoring services. Based on the monitoring data, the system can determine that an event will occur in a given area and determine a subset of users within the given area. For each respective user of the subset of users, the system generates interactive content for display on a computing device of the respective user, the interactive content providing the respective user with contextual information regarding the event and a set of mitigative actions. The computing system executes a machine learning model comprising an engagement monitor to adapt the interactive content for the respective user.