Abstract: Systems, methods and apparatus for creating, analyzing and updating a property inventory are disclosed which include receiving, from a user operating a mobile device, a request to add a new item of property to an insurance inventory associated with an insurance policy, the request including information identifying the new item, at least a first image of the new item, and information identifying a location of the new item. An insurance inventory system is operated to add the new item to an insurance inventory associated with the insurance policy, the updating including computing a total current value of the insurance inventory including the new item. A coverage engine is operated to compare coverage limits associated with the insurance policy to the total current value of the insurance inventory to determine if the total current value is within a coverage limit of the insurance policy. A response is transmitted to the user based on the determination.

Abstract: Methods, apparatus and systems for verifying coin ownership are disclosed. In an embodiment, a coin service provider identifies an online session initiated by a wallet application and a next coin to verify, receives information associated with the next coin from a wallet application, determines that ownership of the next coin was transferred out of the wallet application since the last time coins in the wallet application were verified and that ownership of the next coin has not been updated in a coin data store. The coin service provider then transmits a prompt to the user device for the user to confirm that a transaction involving the next coin completed successfully, receives a confirmation message from the user device, confirms that the next coin was received by a recipient, and next updates ownership information of the next coin in the coin data store.

Abstract: A method of providing access to securely held data is provided. A user interacts with the service provider to obtain access to a service by using a device to provide a digital identifier to the service provider, without the digital identifier being made known to the user. At a later date the user wishes to retrieve securely stored data relating to their use of the service. However, because the user does not know the digital identifier, they are unable to identify themselves to the service provider using the digital identifier. The present disclosure provides a secure method for exchanging private identifiers, which allows the user to identify themselves to the service provider in order to gain access to securely stored data relating to the user's previous use of the service. The user can do this using the device on which the digital identifier is stored, or another device.

Abstract: The disclosed embodiments relate to electronic trading system architectures, for processing incoming orders to an electronic trading system, which feature a latency floor mechanism which imparts a delay on incoming orders. In particular, the disclosed embodiments implement a latency floor mechanism which compensates for both latency variations among trader's ability to submit transactions and also variations in the volume of submitted transactions therefrom.

Abstract: Various embodiments are generally directed to techniques utilizing computers to process service billing data, generate one or more groups of customers based on one or more attributes of the data, and train a recurrent neural network (RNN) to predict future bill amounts for customers. Embodiments further include techniques to predict the future bill amounts of the customers and providing an indication of the bill amounts to the customers.

Abstract: Embodiments of the present invention provide a computer system, a computer program product, and a method that comprises determining a pattern within received data based on a periodicity associated with the received data; in response to a calculated signal score associated with the determined pattern of the received data meeting or exceeding a predetermined threshold transaction amount, tracing at least one location associated with the received data; and dynamically suspending an action associated with an account that generated the received data in response to the traced location not being associated with a historical baseline of the account.

Abstract: Systems, methods, and computer-readable storage media of configuring digital currency nodes utilizing a one-tier model or two-tier model. One method includes transmitting, via an application provider system, an installation request including authentication information, downloading, by the user device, a digital wallet application, and installing, by the user device, the digital wallet application based on one or more system requirements, wherein installing includes verifying the user device meets the one or more system requirements, generating a public and private key pair, hardening the user device, storing and configuring the digital wallet application, and authenticating the digital wallet application. The method further includes establishing, via a private network, a private network connection associated with digital currency issuance.

Abstract: In one embodiment, a method includes receiving, from a receiver processor, a transaction authorization request to authorize a transaction associated with a transfer of resources to a receiving entity from a user, the request including publicly routable account credentials of a virtual bank account (VBAN) generated by the receiver processor, the VBAN being associated with the receiving entity, the user, and a stored value balance of an external resource account generated by a receiver financial entity associated with the user, retrieving, from a VBAN database, a transaction resource configuration of the VBAN decoupled from the external resource account, determining whether parameters of the transaction resource configuration are satisfied based on metadata associated with the request, and transmitting, to the external server, a transaction authorization response indicating whether the transaction is authorized to cause the stored value balance to be reduced based on the transfer of resources.

Abstract: Methods and systems for user definable prioritization of market information are disclosed. An example method to prioritize market information displayed in a window within a trading interface includes updating the market information displayed in the window at a first frequency, wherein the first frequency is to correspond to a first window priority. The example method also includes, based on a trigger activation, assigning a second window priority to the window, wherein the second window priority is to cause the market information displayed in the window to update at a second frequency, the second frequency different from the first frequency.

Abstract: Provided is a system, method, and computer program product for determining a pseudo-identity score in a virtual environment based on a blockchain network. The system includes at least one processor programmed or configured to identify a pseudo-identity in a virtual environment based on a blockchain address on a blockchain network, the pseudo-identity corresponding to the blockchain address, determine an age of the pseudo-identity, determine a measure of activity of the pseudo-identity based on transactions conducted by the pseudo-identity in the virtual environment, determine a pseudo-identity score based at least partially on the age of the pseudo-identity and the measure of activity of the pseudo-identity, and process a request generated by the pseudo-identity in the virtual environment based on the pseudo-identity score.

Abstract: To extract information from a customer's insurance card, an insurance policy recordation system obtains a scanned image of an insurance card and analyzes text in the insurance card image to identify labels describing insurance policy characteristics and insurance policy values corresponding to the insurance policy characteristics. The insurance policy recordation system compares the identified insurance policy values to a set of stored identifiers associated with various insurance plans. If the insurance policy values match one or more of the identifiers, the insurance policy recordation system may determine that the insurance policy values are valid and that the customer has the matching insurance plan. The insurance policy recordation system may obtain additional insurance policy information for the customer based on the stored information in association with the matching insurance plan.

Abstract: Aspects of the disclosure relate to machine learning based automated management of a user account. A computing platform may determine, via a computing device and based on historical user activity of a user, a pattern of the user activity. Subsequently, the computing platform may detect a deviation from the pattern of the user activity. Then, the computing platform may identify an anticipated transaction of the user. Then, the computing platform may retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction. Then, the computing platform may determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction. Subsequently, the computing platform may trigger, based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.

Abstract: A system for error detection m a trading network comprises a memory operable to store a plurality of trader profiles, wherein a particular trader profile is associated with a particular trader. The particular trader profile comprises first contact data associated with a first client device and second contact data associated with a second client device. The memory is further operable to store at least one trading order associated with the particular trader. The system further comprises a processor communicatively coupled to the memory and operable to detect an alert associated with the first client device. In conjunction with detecting the alert, the processor is operable to determine a current status of the at least one trading order and to generate a status message regarding the determined status. The processor is further operable to transmit the status message to the second client device, wherein the transmission is based at least in part on the second contact data.

Abstract: The subject matter disclosed herein provides methods for detecting and mitigating fraudulent transactions conducted over a network. This method can access one or more data values associated with an online transaction between a first party and a second party. The first party can initiate the online transaction. The data values can characterize an identity of the first party and the second party. A score representing a likelihood that the online transaction is fraudulent can be generated. The generation of the score can be based on one or more models for detecting fraud using the data values. The score can be compared to one or more threshold scores. The online transaction can be authorized or rejected based on the comparing. Related apparatus, systems, techniques, and articles are also described.

Abstract: An intelligent alert system triggers potential cases based on a set of scenarios and sends the potential cases to investigators. After the investigation, the intelligent alert system records in a database the investigation results for each potential case, the associated set of scenarios that triggered the potential case, and the date and the time of such investigation. As a result, the intelligent alert system can gradually learn from the investigators and will automatically make decisions for some future potential cases with little human involvement.

Abstract: Aspects described herein may use a machine learning model to identify transactions likely to be remembered by a user and that may be used to generate challenge questions to authenticate the user. An individual may request an action related to a financial account. In response to the request, the machine learning model may determine a likelihood an authorized user of the financial account will remember one or more recent transactions. The likelihood of each candidate transaction may be compared to a predetermined threshold to determine a subset of recent transactions. Information relating to the subset of recent transactions may be used to generate one or more challenge questions to pose to the user. The user's responses to the challenge questions may be used to evaluate whether the user is the authorized user of the financial account or is a fraudster or imposter.

Abstract: Techniques are disclosed relating to a graphical user interface (GUI) for editing classification rules. The graphical user interface may include a display of a modified threshold value for a classification rule, where values on one side (e.g. above) the threshold value indicate a first type of classification, and values on the other side (e.g. below) indicate a second type of classification. Machine learning techniques may be used to suggest a modified threshold value to the user, who may accept the modified value, or may provide, via the GUI, their own modified value, which can be different from a suggested value. Graphical indications of accuracy for the classification rule may be displayed.

Abstract: There are provided systems and methods for flexible digital tokens with application programming interfaces for reduced computing calls. A service provider, such as an electronic transaction processor for digital transactions, may provide a processing system, stack and API that allows for generation of flexible payment tokens that can be used for electronic transaction processing with external service providers including social networking platforms and services. The processing system for the transaction processor may include an API in a compatible language with the APIs of the external service providers. Specific API calls and queries, which may correspond to GraphQL mutations, may be used to execute operations between the APIs of the interfacing systems to have a legacy processing system and API to generate a billing agreement. Once generated, the billing agreement may be tokenized, and a payment token used for payment processing.

Abstract: Exemplary systems and methods for the addition of a block to a permissioned blockchain using efficient consensus are disclosed. The methods and systems may include receiving transaction messages having transaction values from consensus nodes and generating a Merkle root for the transaction messages using transaction references and a proposed block header having the Merkle root and a hash of the header of the most recently added block in a blockchain. The proposed block header may be hashed and transmitted with a proposal message having a digital signature to auditing nodes. A response message accepting the digital signature may be received and an accept message may be transmitted to the auditing nodes and a confirmation message may be transmitted to the consensus-nodes. A new block may be written to the blockchain having the transaction values from the transaction messages and a header including the proposed block header and digital signature.

Abstract: An apparatus for receiving user metrics related to a user. The apparatus is configured to identify a plurality of sets of protocol parameters related to a plurality of contingent payments. Apparatus is configured to determine an efficiency score of each of the contingent payments as a function of the plurality of protocol parameters and an efficiency criterion. Apparatus is configured to select a first contingent payment of the plurality of the contingent payments as a function of the efficiency score, wherein the first contingent payment comprises a first set of protocol parameters of the plurality of parameters. Apparatus is configured to generate an optimization model of the first contingent payment as a function of the user metrics and the first set of protocol parameters, wherein the optimization model comprises one or more regulatory elements.