Abstract: A method for securing smart contracts in a blockchain includes receiving in the blockchain a contract creation transaction having a control flow graph (CFG) and contract code for a smart contract to be created. The contract creation transaction is verified by checking a signature of a creator of the smart contract and determining that the CFG is correct based on the contract code. The verified contract creation transaction is included as a block in a distributed ledger of the blockchain.

Abstract: A message routing and pre-processing (MRP) computing device is described herein. The MRP computing device is configured to receive an authorization request message associated with a transaction initiated by a cardholder with a merchant, the authorization request message including authorization parameters of the transaction, and retrieve a plurality of potential authorization routes for the authorization request message. Each potential authorization route includes routing parameters and is associated with a respective transaction processing network (TPN). The MRP computing device is also configured to compare the authorization parameters to the routing parameters of each potential authorization route to determine an optimized authorization route for the authorization request message. The optimized authorization route includes routing parameters that most closely match the authorization parameters. The optimized authorization route is associated with a first TPN.

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: Systems and methods are disclosed for providing a social statement for an account holder of a financial institution. In one example embodiment, the method includes receiving, by one or more computer processors, account holder financial data associated with the account holder, and receiving, by the one or more computer processors, account holder social data associated with one or more social networking profiles of the account holder. The method further includes associating, by the one or more computer processors, the account holder social data with the account holder financial data. In addition, the method includes identifying peer financial data associated with a peer group, and creating a social statement based at least in part on the account holder financial data, the account holder social data, and the peer financial data. Further, the method includes providing the social statement to the account holder.

Abstract: A system for insurance process management employing an advanced decision platform has been developed. A high speed data retrieval and storage module retrieves insurance related data from a plurality of sources. A predictive analytics module performs predictive analytics functions on normalized insurance related data. A predictive simulation module performs predictive simulation functions on normalized insurance related data. An interactive display module displays results of activity of the predictive analytics module and the predictive simulation module as pre-programmed by analysts of an investigation, and re-display results in ways differing by additional representation programming instructions over the course of a viewing session.

Abstract: A system, a medium, and a method are provided to split data paths among various devices in data communications system. In some instances, the server device receives a request from a remote device such as a website server or a checkout device, where the request indicates a user request to purchase one or more items. An account management component of the server device determines a user account associated with the user request and identifies a user device associated with the user account, such as the user's smartphone. An authentication component of the server device generates an electronic message that indicates that the user must authenticate the request such that the request may be processed and initiates a transmittal of the electronic message to the user's smartphone. The user may accept or authenticate the request to process the request.

Abstract: A method for anticipating and preventing financial account overdrafts includes receiving financial data for a financial account associated with a user. A likelihood that the financial account will experience an overdraft event is determined using a funds transaction model, where the funds transaction model is configured to predict overdraft events based on financial data. When the likelihood that the financial account will experience an overdraft even exceeds a threshold, the method further includes transferring an amount of funds into the financial account associated with the user. The amount of funds transferred to the financial account is sufficient to prevent the overdraft event. Finally, a notification is transmitted to a user system associated with the user. The notification indicates the transfer of an amount of funds into the financial account.

Abstract: Systems and methods for generating a graphical representation for and displaying order performance metrics for one or more user orders of one or more market instruments. A graphical representation of the order performance metrics can be aligned with a graphical representation of market data relating to prices and volume of user orders, market orders, user order executions, and market trades. The order performance metrics can be displayed as one or more performance bars or ribbons divided into segments, which can be assigned a color based on a user order's performance with respect to a market benchmark. The graphical representations can be displayed using a display device.

Abstract: The present invention relates to a new type of biddable financial instrument that can be traded on an online competitive bidding process and system and method of trading thereof specifically designed to accommodate the specific needs of these new biddable financial instruments associated primarily with the introduction in the instruments core of a contractual bidder or new properties like acceleration of term linked with trading on the competitive bidding software. The inventor contemplates the use of a large number of new biddable financial instruments, for example B-VRDOs, B-TOBs, and B-MLVRS s. The platform, system and method of trading associated thereto allows for easy portfolio management, Dutch trading, payment of interest, entry of good to cancel trade orders, priority management tools, acceleration of maturity, and offering on a secondary offering stage non-acquired positions held by the contractual bidder.

Abstract: The present invention relates to a system and computer implemented method for dynamic merchant configuration in a payment terminal for transacting in a virtual environment. The payment terminal receives a location information of a virtual user corresponding to a physical user performing a transaction in one of the one or more establishments configured in a virtual environment from a Virtual Reality (VR) device. Further, merchant and associated details corresponding to one of the one or more establishments is determined based on the location information upon the physical user initiating payment for the transaction using a physical payment card. Thereafter, a transaction message comprising the merchant and associated details is sent to an issuer system via a gateway associated with the merchant for authorization. Finally, a result of authorization of the transaction message is received from the issuer system via the gateway.

Abstract: The present invention provides a device for processing electronic transaction request messages from financial institutions, each transaction request message instructing payment of funds from one financial account in a first financial institution to another financial account in a second financial institution, the device comprising: a plurality of switches located at a location, each switch being operable to receive a transaction request message from a financial institution; and a clustered database connected to the plurality of switches, the clustered database comprising a plurality of synchronised databases, wherein the clustered database is con figured to generate a transaction summary record on the basis of the received transaction request message that allows settlement of the funds between the financial accounts defined by the received transaction request message.

Abstract: Embodiments of the present disclosure may be used to scan a check or other payment instrument into an image file and apply a credit to one or more invoices associated with the entity, such as invoices issued by a business partner of the entity originating the check. Where there are multiple invoices outstanding invoices, embodiments of the present disclosure can selectively apply credits to such invoices based on input from the entity and/or based on rules defining how such credit are to be applied to the invoices.

Abstract: Methods and systems for identifying autonomous vehicle users are described herein. An autonomous vehicle may receive a request to transport a first user to a first destination location. While travelling along a route to the first destination location, the autonomous vehicle may receive a request to pick up a second user at a second starting location and transport the second user to a second destination location. The autonomous vehicle may travel to the second starting location when the second user is within the threshold distance of the autonomous vehicle. Upon arriving at the second starting location, the autonomous vehicle may detect whether a person approaching the vehicle is the second user by detecting a biometric identifier for the person. As a result, the second user may be allowed to enter the autonomous vehicle and/or the autonomous vehicle may begin travelling to the second destination location.

Abstract: In some examples, a first node is able to communicate with one or more second nodes for participating in a consensus system. The first node may receive, from a computing device, a request to execute a first smart contract associated with a first blockchain. The first node may invoke execution of the first smart contract to cause the first smart contract to execute a transaction by reading at least a portion of transaction data from the first blockchain as a transaction result. Further, the first node may check whether a simulation indicator has been set, which indicates that an expiration time of the first smart contract has been reached. Based on determining that the first smart contract has the simulation indicator set, the first node refrains from writing the transaction result to the blockchain as a valid transaction result and sends the transaction result to the computing device.

Abstract: A method, system, and computer program product for facilitating an electronic transaction between a merchant device and a first device having limited network connectivity. The method includes the first device detecting a transaction trigger that indicates an electronic transaction, that is remotely processed by a transaction service is to occur. The method further includes, identifying a second device within a predetermined proximity of the first device which has a secondary connection to the transaction service that meets a connection service criteria. The method includes establishing a data pipe that directly connects the first device and the second device. In response to the data pipe being established, the first device configures the second device to reroute all transaction data received via the data pipe to the transaction service and transmits the transaction data to the second device to complete the electronic transaction between the first device and the merchant device.

Abstract: In an embodiment, a computer-implemented method comprises, in response to receiving lead data identifying an entity associated with a health care claim relating to suspected fraud, determining one or more data sources that were used to identify the entity or the suspected fraud; determining a subset of a plurality of data display elements, based on the determined one or more data sources, wherein each of the plurality of data display elements is configured to cause displaying health care claims data associated with the entity in a designated format; automatically obtaining, from a data repository, specific health care claims data associated with the entity for each of the plurality of data display elements in the subset; generating a lead summary report associated with the entity using a report template, the subset, and the obtained specific health care claims data.

Abstract: A device may receive application questions for an individual applying for credit with an organization. The device may broadcast the application questions to additional devices that have access to a distributed ledger for sharing credit worthiness information to cause at least one of the additional devices to generate an application response to the application questions and to process the application response using a smart contract. The device may receive one or more application responses that have been encrypted. Each of the application responses may include particular credit worthiness information relating to the individual. The device may decrypt the application responses. The device may determine a credit worthiness score for the individual using the application responses. The device may perform one or more actions that allow the device or another device associated with the organization to use the credit worthiness score to determine whether to approve the individual for credit.

Abstract: A data interaction method, a verification terminal, a server, and a system are described. The method includes: receiving, by a verification terminal, identity verification information from a user terminal, the identity verification information being information sent to the user terminal by a server in advance; sending, by the verification terminal, a request instruction to the server, the request instruction including the identity verification information; executing, by the server, an operation corresponding to the request instruction; and sending, by the server, feedback information to the verification terminal.

Abstract: Systems and methods for provisioning a mobile device are described. Provisioning of a mobile device may include binding the device to financial account(s) associated with a financial institution computing system or binding an application installed on the device to the financial account(s). Such systems and methods may use ATMs to facilitate communication with the device and retrieve a unique identifier. The unique identifier, whether received from the ATM or through another communication channel, may be used to further verify the identity of a user of the device as well as verify that the device belongs to or is being used by the same user that has the financial. Once the user is verified and the mobile device is determined to belong to or used by the user, the mobile device can be provisioned by binding either the entire device or an application on the device to the financial account(s).

Abstract: A BLUETOOTH low energy mobile payments system may comprise a BLE beacon that is deployed at a merchant location. The BLE beacon may be associated with a specific merchant terminal. The BLE beacon may be configured to broadcast a unique beacon ID that is detectable by a user device. The user device may be configured to communicate the beacon ID to a payment system. In response to receiving the beacon ID, the user device may initiate a payment between a user and a merchant, via a user device and a merchant terminal.