Abstract: An information processing apparatus is provided with: an obtaining portion that obtains purchase information on a commodity or a service purchased by a user; a deciding portion that decides on a quantity of virtual currency to be provided to the user, based on the purchase information; a providing portion that provides the user with the virtual currency of the quantity decided on; an accepting portion that accepts, from the user, an exchange request to exchange the virtual currency for a substitute; a determining portion that determines, when the exchange request is accepted, whether or not it is within a predetermined period from a point of time when the virtual currency was provided; and an exchange processing portion that performs processing related to exchange of the virtual currency when it is determined that it is within the predetermined period.

Abstract: Point-of-sale (POS) e-commerce transaction verification via a mobile device such as a smart phone, smart watch, tablet, PC, appliance or personal assistant rather than numeric keypad on POS device. Near field communication (NFC), quick response (QR) code, push notification and executable application embodiments disclosed.

Abstract: A mobile payment method includes making a mobile payment request an automated response system of a merchant store for a purchase. A mobile number of a mobile device is provided to the automated response system. Payment information including the mobile number and a payment amount is sent from the automated response system to the mobile payment server. A Uniform Resource Locator (URL) link is created by the mobile payment server and contains transaction information. The URL link is sent to the mobile device where a customer selects the URL link to set up a Hypertext Transfer Protocol Secure (HTTPS) session. A program script is downloaded. A payment transaction is confirmed by the mobile device which generates and sends encrypted payment data to a payment network through the mobile payment server.

Abstract: An electronic trading system (ETS) implements risk mitigation methods for orders and quotes associated with a market participant on the ETS. The methods determine a measure of risk associated with one or more trading positions. One of the methods globally counts the number of breaches of risk thresholds associated with a trading symbol and market participant across all matching engines on the ETS over a rolling time period, and if this global risk counter exceeds a maximum, disables all further trades by the market participant on the ETS. Another method limits the number of automatic re-enablements that a market participant can request in response to prior breaches of risk thresholds that resulted in disabling any further trading by the market participant on the ETS.

Abstract: A method, medium, and apparatus for allowing evaluation of property, such as damaged property, remotely and efficiently. A mobile computing device may be used to conduct bilateral communication between a client and an agent for evaluating property. Systems and methods may be used to efficiently automate intake of communications and intelligently load-balance resources for handling calls.

Abstract: A method of determining a claim value corresponding to a damaged vehicle of a customer includes receiving exception data and image(s) corresponding to the damaged vehicle, generating a set of image parameters by analyzing the one or more image corresponding to the damaged vehicle using a first trained artificial neural network, generating the claim value corresponding to the damaged vehicle by analyzing the set of image parameters and the exception data using a second trained artificial neural network, and transmitting the claim value corresponding to the damaged vehicle. The method may include respective training of the first artificial neural network and second artificial neural network using labeled images and labeled telematics data.

Abstract: A profile is maintained in a mobile device for storing authentication data associated with a primary user of a mobile device, and at least one secondary user that is authorized to use the mobile device. When the mobile device is at a business location, the secondary user is passively authenticated, and upon successful authentication: an image is displayed over a default lock screen wallpaper when the mobile device is in a screen locked state, wherein the image contains a scanning code, and a financial transaction is facilitated at the business location based on the scanning code without unlocking the mobile device, wherein the financial transaction associated with a financial account of the primary user. Power is conserved in the mobile device by not unlocking it at the business location to conduct the financial transaction.

Abstract: A method is provided comprising receiving, at a first node, transactional data associated with a consumer (wherein the first node comprises a processor and a tangible, non-transitory memory), receiving, at the first node, a credit approval request associated with the consumer, wherein the credit approval request is associated with a proposed transaction, determining, by the first node, whether the transactional data conforms with the proposed transaction, and at least one of approving and denying the credit approval request in response to the determination.

Abstract: A method, medium, and apparatus for allowing evaluation of property, such as damaged property, remotely and efficiently. A mobile computing device may be used to conduct bilateral communication between a client and an agent for evaluating property. The communications may comprise methods and systems for reconnecting using login-free connections, and may further comprise methods and systems for determining that wait times exceed a threshold wait time and presenting the client an option to receive a call back.

Abstract: Systems, apparatuses, and methods are provided for performing secure commercial transactions. The commercial transactions may be, for example, pre-pay pickup transactions, direct pay transactions, and transfer transactions. An identity of a user that initiates a commercial transaction may be verified based on biometric data. The biometric data may, for example, be representative of an image of at least a portion of a face of an individual, an image of an iris of an individual, at least a portion of a fingerprint of an individual, a temperature signature of an individual, a heartbeat signature of an individual, an odor characteristic of an individual, or a voice characteristic of an individual.

Abstract: A computer-implement method and computer system may be configured to facilitate insurance claim processing and estate handling. An audible or visible chatbot avator or dopplegänger may lead a trustee, beneficiary, or family member through the estate of an impaired or deceased user. A computer system may have been provided with, or gather, sample voice and visual recordings associated with a user that are used to build the chatbot avatar that simulates the user audibly and/or visually. The computer system may have previously prompted the user for necessary items to properly handle their estate, such as information related to financial accounts, loans, insurance policies, etc. and user names and passwords to various electronic accounts.

Abstract: A token issuance method in a blockchain system includes, transaction parties associated with a transaction for transfer of a right regarding an asset, and an executing party to execute the transaction, and the nodes sharing, as a token, an execution function for a transaction regarding the asset, and information of the asset, the token issuance method including: causing an information processor to generate, information including executing party information, a transaction initiation determination function to, in response to receipt a request for execution of a transaction by the executing party from a predetermined transaction party, perform a process of determining whether to execute the transaction depending on determining whether the request for execution designates the executing party indicated by the executing party information, and a transaction execution function to execute the transaction based on the request for execution, and execute payment of a reward to a right holder.

Abstract: A method for virtual floor trading implemented via an exchange system includes establishing a secure connection with a first market participant and transmitting, to a first to a computing device associated with a first market participant, data causing a graphical user interface (GUI) of the computing device to render a graphical representation of a virtual trading floor associated with the exchange system. The method also includes receiving a first order and transmitting, to a second computing device associated with a second market participant, data causing a GUI of the second computing device to render a second graphical representation of the virtual trading floor comprising a first virtual trader associated with the first market participant. The method includes receiving, from the second computing device, a second order, determining that the second order matches the first order, and executing a transaction based on the first order and the second order.

Abstract: A system for data object compression and reduction includes to implement, in accordance with obtained optimization constraint data, an optimization procedure configured to determine an optimal set of adjustments to a set of data objects that maximizes reduction of both a data set aggregate magnitude and a data link composite magnitude for at least one pair of a plurality of data sources, the optimal set of adjustments including an offset of multiple data objects of data objects of same data object type and opposite polarity, and to store data indicative of the optimal set of adjustments to the set of data objects.

Abstract: A system for validating the integrity of blockchain transactions prior to such transactions being added to the electronic blockchain using, in part, an automated, protocol-based methodology is disclosed. Use of such a system circumvents current costly consensus mechanisms for validating transactions prior to inclusion onto the underlying electronic blockchain. In a preferred embodiment, the disclosed system may be implemented within blockchain environments where the transacting parties “trust” each other where trust may be evidenced in different ways. In such an example, the system provides an automated, protocol-based validation of transactions that have been approved by the transacting parties, such that record of the validated transaction may be appended to a blockchain.

Abstract: A method for conducting monetary and financial transactions in an economy by treating amounts as collections of distinct individual, minimal, and indivisible units of account, each of which has a persistent identity and history throughout its lifecycle. A method is disclosed for conducting monetary transactions on the basis of appending the record of relationship between each individual unit of account and its respective owners throughout the lifecycle of the unit. Further, a method is disclosed for identifying the units in binary computer notation and assigning specific informational content to each unit by designating various sub-sections within the binary identifier of each unit to hold specific information and values relevant to the unit.

Abstract: The present disclosure provides a currency settlement method and apparatus. The currency settlement method includes: settling with a mining node that acquired a first virtual currency according to a workload performed by the mining node and an income type of the mining node; according to a settlement currency type, transacting with an exchange institution to exchange an amount in the first virtual currency into an amount in a second virtual currency, the second virtual currency being the settlement currency type; and transferring the amount of the second virtual currency to an account.

Abstract: In some examples, a system receives first transaction data for first transactions processed by a payment service, and uses a first model to determine, based on the first transaction data, that a probability of default for a user of the payment service satisfies a threshold. The system generates, based on a first financing factor, a first offer of credit for the user, and sends the first offer to the user. The system determines, based on third party information, that the user has additional income, and receives, from one or more of the third-party systems, second transaction data indicating the additional income. The system uses a machine learning model included in the first model to determine a second financing factor based on the second transaction data, and generates, based on the first financing factor and the second financing factor, a second offer of credit to send to the user.

Abstract: System and method for aggressively trading a spread trading strategy in an electronic environment are provided herein. According to the example embodiments, a trader may configure the automated trading tool to trade as aggressively as possible by leaning on a price without an associated quantity. This allows a trader to possibly obtain a more profitable price as well as get filled faster. Traders submit an order for a spread and the automated trading tool calculates the quote order price based on a defined level of aggressiveness, the leaned on price, and the desired spread price. Based on the level of defined aggressiveness and the gap in the market, the automated trading tool may lean on a mildly, moderately, or extremely aggressive price.

Abstract: A device may receive a preauthorization associated with missed transaction prevention for a transaction account of a user, wherein the missed transaction prevention involves preventing a missed transaction associated with merchant accounts of the user. The device may monitor a transaction log of the transaction account and identify a transaction pattern associated with a merchant account based on a plurality of historical transactions identified in the transaction log related to the merchant account. The device may determine that a historical transaction of the plurality of historical transactions is not designated for automatic execution and that an execution of an upcoming transaction corresponding to the plurality of historical transactions is not scheduled. The device may cause an account transaction associated with the upcoming transaction to be automatically executed before a transaction period expiration, associated with the merchant account, passes.