Abstract: A computer implemented method includes identifying a special character in a message generated by a sender. A money transfer prompt is supplied to the sender in response to the special character. A transfer amount is validated. An account transfer for the transfer amount is initiated. The message is sent to a recipient with indicia of the account transfer.

Abstract: Systems and methods for performing insurance damage inspection by an unmanned aerial vehicle (UAV) are provided. A computing device may receive a request to inspect a vehicle, the request comprising a location of the vehicle. The computing device may identify a UAV from a plurality of UAVs that is located closest to the location of the vehicle from other UAVs in the plurality of UAVs. The computing device may instruct the UAV to travel to the location of the vehicle. The computing device may instruct the UAV to collect damage information on the vehicle using one or more onboard sensors of the UAV. The computing device may determine an amount of insurance payout to approve for repairs to the vehicle based on the damage information collected by the UAV.

Abstract: Various examples are directed to systems and methods for securely sending and using proxy element in a mobile wallet system. Through a user interface associated with a proxy originator wallet, user input may be received that defines the parameters of the proxy element. The parameters may include one or more of a spending limit, a time duration, a use number condition, and a transfer condition, and a product condition. A request may be sent from the proxy originator wallet to a proxy approver system to create the proxy element. The originator wallet may receive a proxy grant acknowledgement from the proxy approver system. The grant acknowledgement may instructions for obtaining credentials for the proxy element. The proxy element including the parameters and the instructions for obtaining credentials may be sent to a mobile wallet of a recipient. The recipient mobile wallet may use the proxy element for payment or non-payment transactions.

Abstract: The object of the present invention is to shorten time from when a predetermined condition is satisfied till when recharging is completed. A mobile terminal directly requests an electronic money server to perform recharging. In response to this, the electronic money server secures funds and then generates a command group for recharging. Then, the electronic money server sends, to the mobile terminal, a storage instruction by which the mobile terminal is made to store the generated command group in an IC chip. The mobile terminal then does not immediately execute the command group but temporality stores the command group into a general-purpose IC chip. In this way, a stage of preparation for recharging is completed. Then, under a certain condition (for example, by user's operation, on the side of the general-purpose IC chip, the stored command group is executed. In this way, recharging is performed, and the value balance is updated.

Abstract: Systems and methods are described for using data collected by unmanned aerial vehicles (UAVs) to generate insurance claim estimates that an insured individual may quickly review, approve, or modify. When an insurance-related event occurs, such as a vehicle collision, crash, or disaster, one or more UAVs are dispatched to the scene of the event to collect various data, including data related to vehicle or real property (insured asset) damage. With the insured's permission or consent, the data collected by the UAVs may then be analyzed to generate an estimated insurance claim for the insured. The estimated insurance claim may be sent to the insured individual, such as to their mobile device via wireless communication or data transmission, for subsequent review and approval. As a result, insurance claim handling and/or the online customer experience may be enhanced.

Abstract: Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.

Abstract: Methods and systems are presented for providing concurrent data retrieval and risk processing while evaluating a risk source of an online service provider. Upon receiving a request to evaluate the risk source, a risk analysis module may initiate one or more risk evaluation sub-processes to evaluate the risk source. Each risk evaluation sub-process may require different data related to the risk source to perform the evaluation. The risk analysis module may simultaneously retrieve the data related to the risk source and perform the one or more risk evaluation sub-processes such that the risk analysis module may complete a risk evaluation sub-process whenever the data required by the risk evaluation sub-process is made available.

Abstract: Personal property inventory systems and methods include a computing device that analyzes images of rooms in a residence to identify personal property items. Identified personal property items are compared to a predetermined schedule of items that is based in part on purchase transaction data for at least one resident. If an item on the schedule is not one of the identified personal property items, an inquiry to a user in the residence is made to clarify whether or not the item is in the room. Based on the analyzed images and the received answers, a personal property inventory is generated.

Abstract: An accelerator as a service is described where organizations can create an accelerator fund. From that fund the organization can invest sweat equity into selected startups. Those startups use the sweat equity to acquire startup services from experts who receive a participation in the fund. Eventually, shares in the fund are traded on an exchange.

Abstract: Systems and methods are described for providing fraud deterrents, detection and prevention during e-commerce, e-transactions, digital rights management and access control. Fraud deterrent levels may be automatically selected by a requesting transaction approval entity server (and can be related to level of risk, or security, related to fraud) or may be selected by a consumer. These deterrent levels can determine the manner in which the transaction occurs as well as the types of information that must be provided and validated for successful approval of the transaction. The client can associate their credit card with a specific device, an e-identity, such as an instant messaging identity, and the e-identity is contacted as a part of finalizing a payment transaction so that a client response of ‘approve’ or ‘reject’ can be obtained. The anti-fraud technology also provides for management and storage of historical transaction information.

Abstract: A networking system for transmitting a data message from one or more remote client devices to a central processing hub is provided. The system includes a plurality of communications networks each connecting the central processing hub with the one or more remote client devices. The plurality of communications networks includes at least two separate communications networks. The system also includes at least one interface processor and a communication routing (CR) computing device connected to each of the communications networks. The CR computing device is configured to receive a data message from the one or more remote client devices, and direct the data message to one of the communications networks for transmission to the central processing hub. The data message is a payment transaction data message.

Abstract: In a network system where a balance of virtual currency is recorded in data D41 of balance information in association with a user ID unique for each user, the user ID being associated with personal information of the user; and addition or subtraction is performed with respect to the amount of virtual currency in response to a purchase requirement or a consumption requirement designating the user ID or a card ID linked with the user ID, in a case where use of virtual currency is required with designating the card ID, it is determined whether the user ID linked with the card ID exists (S103), and when it is determined the user ID linked with the card ID does not exist, a user ID which is not associated is generated (S131), and the provisional user ID and the card ID are linked with each other (S132).

Abstract: A method of and apparatus for automatically displaying an advertisement or promotional material to a user of an automated teller machine or point of purchase terminal. The method includes accessing debit data and credit bureau data for the applicant, accessing account information for the applicant, generating a score for the applicant based on the data and the account information and determining what advertisements or promotional offers to display on the ATM or POP terminal. The apparatus is a system, including both hardware and software components for effecting the method.

Abstract: Signals-based data syndication and collaboration is disclosed. A data store of insurance related data collected from a plurality of carriers is accessed. A pattern is identified based at least in part on data stored in the data store. The pattern is associated with a first set of insurance related data belonging to a first carrier and with a second set of insurance related data belonging to a second carrier. First and second users associated with the first and second carriers are notified, respectively, of the identified pattern. Consent from the first user to share at least a portion of the first set of insurance related data and consent from the second user to share at least a portion of the second set of insurance related data are obtained. At least a portion of the second set of insurance related data that the second user has consented to share is caused to be presented to the first user.

Abstract: Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.

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. 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: An augmented reality (AR) system for generating and displaying a pre-disaster Enhanced Situation Visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image and/or GPS location of a property. The ESV computing device may determine the subject of the image is the property, retrieve reference information including peril maps associated with the property from the reference database, and determine situation information specific to the subject. The reference and situation information including a loss estimate may be displayed on the user computing device to provide an ESV of the property. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating an insurance policy, premium, and/or discount, and/or generating insurance-related recommendations.

Abstract: Energy resource dispensing terminals can be added one-at-a-time to a wide area resource distribution system very easily where needed as needed. Each terminal can dispense any of a number of types of energy resources such as electricity, compressed hydrogen, compressed air, and waste vegetable oil. The energy dispensing terminal includes a terminal control computer that interacts with customer computing devices, such as personal, portable computing devices or onboard computers installed in vehicles to effect negotiation and fulfillment of energy resource purchase transactions. A resource sharing server facilitates such transactions by maintaining and verifying identities of customers and sellers along with financial account information such that a registered customer can purchase energy resources from any seller registered with the same resource sharing server.

Abstract: The present embodiments relate to detecting fraudulent insurance claims. According to certain aspects, a central monitoring server may receive and examine data detected by at least one unmanned vehicle and generate an estimated insurance claim for a loss event. The central monitoring server may then receive an actual insurance claim relating to the loss event, and may compare the estimated insurance claim to the actual insurance claim to identify potential buildup included in the actual insurance claim. If buildup is detected, the central monitoring server may then process the actual insurance claim accordingly based upon the potential buildup. As a result, claim monies may be paid to insureds that more accurately reflect actual losses resulting from the loss event, and insurance cost savings may be ultimately passed onto typical insurance customers.

Abstract: An augmented reality (AR) system for generating and displaying an enhanced situation visualization (ESV) is provided. The AR system may include an ESV computing device, a user computing device operated by a user and a reference database. The user computing device may transmit a reference request message to the ESV device, the reference request message including an image representative of a current view of a user. The ESV computing device may determine a subject of the image, retrieve reference information associated with the subject from the reference database, and determine situation information specific to the subject. The reference and situation information may be displayed on the user computing device to provide an ESV of the subject. The ESV may be used for insurance-related activities, such as handling, adjusting, and/or generating homeowner's insurance claims, and/or for instructional guidance.