Abstract: A payment two-dimensional code secure payment method and system without two-step authentication. The method comprises the following steps: by means of a payment application, producing a first payment two-dimensional code and a second payment two-dimensional code, and alternately displaying the first payment two-dimensional code and the second payment two-dimensional code; respectively identifying the first payment two-dimensional code and the second payment two-dimensional code to acquire complete payment information; sending the complete payment information to a payment centre for verification; when verification is successful, the payment is complete. The present method effectively avoids the property loss incurred by users due to scanning of payment two-dimensional code pictures, and increases payment security.

Abstract: An example method includes identifying provider systems each configured to perform a function requested by a device, wherein the provider systems are associated with vendors that provide one or more of services, goods, or device skills, responsive to selecting a provider system, sending, to the provider system, the request to perform the function, after sending the request to the provider system, receiving, by the management system and from the provider system, provider response information associated with performance of the function, sending, by the management system and to the device, the provider response information associated with performance of the function, and initiating a payment of funds from a first financial system associated with the device to a second financial system associated with the provider system.

Abstract: Networks, systems and methods for dynamically filtering market data are disclosed. Streams of market data may be buffered or stored in a queue when inbound rates exceed distribution or publication limitations. Inclusive messages in the queue may be removed, replaced or aggregated, reducing the number of messages to be published when distribution limitations are no longer exceeded.

Abstract: A system for identifying complete account identifiers from partial account identifiers is provided. The system includes an account identification computing device including at least one processor and a memory device in communication with the at least one processor. The processor is configured to receive transaction data including unique merchant identifiers, build a merchant table using the transaction data, and receive a list including partial account identifiers. The processor is further configured to determine, for each unique merchant identifier, a number of candidate account identifiers and calculate at least one metric based on the number of candidate account identifiers. The processor is further configured to identify a source unique merchant identifier and match at least one candidate account identifier to a complete account identifier by matching one of the partial account identifiers to the at least one candidate account identifier.

Abstract: The system and methods described herein allow users to give their applicant information when seeking to submit an inquiry associated with a product provided by at least one entity, and have various lender microservices run in parallel, segregated by entity, in a jailed and self-contained, autonomous environment. The result of these microservices may be returned as a response to the inquity, being determined autonomously for each respective entity based on one or more respective rule sets or executable logic for each respective entity. Payloads for multiple entities may be combined in a single output from the jailed and self-contained environment due to outputs from the environment being encrypted in a universal format, wherein the outputs are decrypted in a user session in an application, allowing the user to see the results of the respective responses of each of the at least one entity, to their inquiry.

Abstract: A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.

Abstract: Contextual searches may be performed to identify subsets of search results from an organized dataset. Contextual searching may return search results based on a relevance of the results to a query or search terms. Characters may be input by users at a search field that may be used to define context filters for limiting the search results of the organized dataset. Triggering events may be received that may trigger the definition of context filters that may be used to obtain the subsets of search results from the organized dataset. The triggering event may be a delimiter in the character string, for example. The subset of search results may include a subset of tradeable objects that may be traded at an electronic exchange. The subset of search results may continue to be limited based on additional context filters defined from the search input at the search field.

Abstract: Systems and methods for activating and using dynamic cards are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for activating a dynamic transaction instrument may include: (1) receiving, from an electronic device, an identification of an inactive financial instrument to activate; (2) receiving, from the electronic device, at least one parameter that restricts the use of the inactive financial instrument after it is activated; and (3) activating the inactive financial instrument subject to the at least one parameter by associating, at a backend, an account with the inactive financial instrument.

Abstract: Systems, methods, and storage media for pre-approving onboarding to a payment platform, executing on a processing device are disclosed. Exemplary implementations may: access a node network; determine a first entity associated with a first node of the plurality of nodes is not a member of a payment platform; determine a total strength of connections of the first node to one or more nodes of the plurality of nodes exceeds a predetermined threshold value; and flag the first node of the plurality of nodes for an offer of onboarding to the payment platform consequent to determining the total strength of connections of the first node to the one or more nodes of the plurality of nodes exceeds the predetermined threshold value.

Abstract: Systems and methods for performing an exchange for physicals (EFP) may comprise receiving, with a matching engine module in communication with a processor, EFP data comprising an amount of securities to be traded and a price. The matching engine module may calculate a first delta percentage between the EFP data and an index based on the amount, the price, and an index value. The matching engine module may calculate a residual delta based on the first delta percentage and an index notional value. The matching engine module may attribute the residual delta to the securities.

Abstract: Lists of tradeable objects may be generated and displayed to enable a user to define a trading strategy having multiple legs. The lists of tradeable objects may be used to define and display different combinations of the tradeable objects that are included in each of the lists. Each combination of tradeable objects may define the different legs of a spread that may be tradeable on one or more exchanges. A combination of tradeable objects may be selected to display contract information associated with the different legs of the spread. The contract information for each leg may be used to define and display spread information for the legs of the trading strategy. The spread information may allow the user to view information related to the spreads for different combinations of tradeable objects in a display.

Abstract: A computer device and method for processing risk related data to affect changes to an insurance policy whereby one or more terms of an insurance policy associated with an insured and informatic data from a plurality of sensor devices are received by a computer processor. Analysis is performed on the received informatic data to determine a risk assessment value regarding the insured and/or other risks relevant to the insurance policy, such as a dwelling. Predefined business rules are then applied using at least the determined risk assessment value to determine if conditions have been met to allow or require modification of the insurance policy whereafter modification of one or more terms of the insurance policy is performed if the insurance policy associated with the insured permits modification.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers and payment services that allow users to pay the customers via the financial institution. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: A method for executing a trade is provided that includes communicating financial information to a handheld device via a network, the financial information being associated with a trade that can be initiated by the handheld device. The handheld device is connected to the network via a Push to Trade™ protocol. The method also includes executing the trade on behalf of the end user.

Abstract: A computing system for generating a list of items predicted to be associated with a candidate user may be provided. The computing system may include a processor in communication with a memory device, and the processor may be configured to generate a predictive possession model, receive personal data associated with the candidate user, predict a first set of items owned by the candidate user, assign a value and a range of predesignated values for each item included in the first set of items, cause the first set of items and their corresponding values to be displayed on a user device of the candidate user, and prompt the candidate user to input confirmation data including one of a confirmation that the first set of items accurately describes a set of actual items possessed by the candidate user and a confirmation that the values corresponding to the first set of items are satisfactory.

Abstract: A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.

Abstract: Digital fingerprints are used to authenticate a physical item. Authentication attempts, may automatically trigger various predetermined processes. Different processes may take place depending on whether the authentication was successful. The process(es) may be computer-implemented, for example, using executable scripts. The triggered process(es) may be immediate (“real-time”), or delayed, deferred, or batched, etc. At least one additional process is triggered or initiated, locally or remotely, by a least one affirmative authentication result or at least one additional process s triggered, by at least one unsuccessful authentication attempt. In one example, a combination of purchase and authentication of an item is combined into a single action.

Abstract: Methods, systems and apparatus, including computer program products are described for providing temporally relevant targeted content items. A set of user data is used to determine current user interests as indicated by one or more recent events. Content items relevant to those events are identified and ranked based on a time that the corresponding event occurred. One or more of the top ranked content items can be delivered to a user.

Abstract: A distracted driving analysis system for identifying distracted driving events is provided. The system includes a processor in communication with a memory device, and the processor is programmed to: (i) receive labeled training data, the labeled training data including driving event records (a) each labeled as an actual distracted driving event or a passenger event and (b) including phone usage by a user that occurred within a time period of a driving event, (ii) identify common features of the actual distracted driving events and the passenger events by processing the training data using a supervised machine learning algorithm, (iii) generate a trained model based at least in part upon the identified common features, (iv) process a new driving event, (v) assign the new driving event based at least in part upon features of the new driving event, and/or (vi) determine whether the new driving event is an actual distracted driving event or a passenger event.

Abstract: System and method for providing personalized, time-varying layered bundles of computer records to users. The system includes personalized servers, a communications network, user interfaces, and client devices employed by users. The personalized server includes a needs analysis module, a bundle building module, and an bundle generating module. A method of providing personalized bundle of computer records includes receiving a request for a personalized bundle of computer records, and requesting user needs data associated with the client. The method further includes converting the user data into determined needs data, and building a bundle of computer records personalized to the user using the determined needs data, which may include a determined needs timeline. The personalized, time varying bundle of computer records includes a plurality of computer records and plurality of types of bundles of computer records represented in the determined needs data.