Abstract: Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider ay monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.

Abstract: A cash-dispensing machine (e.g., a casino kiosk or bank ATM) enables a user to use a bank card (e.g., a credit or debit card) to purchase a negotiable instrument via a quasi-cash transaction, redeem the negotiable instrument, and dispense paper currency for the redeemed negotiable instrument without having to go elsewhere (e.g., a casino cage) to redeem the negotiable instrument. The machine enables a user-verification process to be performed to verify the identity of the user before allowing the negotiable instrument to be redeemed.

Abstract: A system and method for observability, dashboard, alerting and pro-active action framework for card authorizations application are disclosed. A receiver receives a payment authorization request message having a predefined first format via a communication protocol TCPIP socket including an application process called socket manager corresponding to a card transaction.

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: An electronic trading system utilizes a Match Engine that receives orders, stores them internally, calculates tradable combinations and advertises the availability of real and implied orders in the form of market data. New tradable items defined as combinations of other tradable items may be included in the calculation of tradable combinations. A technique is disclosed for suppression of the calculation and/or subsequent listing of an implied order when the order is either undesired or unnecessary in the market therefore.

Abstract: Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. On condition that the transaction is to be processed in accordance with the nonvisual communication program, the system generates an instruction to identify a capture time, determine whether the capture time satisfies the transaction timeframe, and dispense the transaction amount of cash in accordance with the nonvisual communication program on condition that the capture time satisfies the transaction timeframe. Aspects of the disclosure provide for preauthorizing the transaction in a secure and user-friendly manner.

Abstract: A predictive insurance underwriting system. An electronic life insurance policy application processing apparatus accepts data describing a consumer. An underwriting desktop processing apparatus receives the data. An underwriting rules processing apparatus determines, based on the data describing the consumer, whether the consumer is eligible for expedited underwriting of a life insurance policy covering the consumer. If it is determined that the consumer is eligible for expedited underwriting, a tele-interview processing apparatus collects first additional data relating to the consumer during a telephonic interview and, in response to a request from a processing unit, one or more third party databases transmit second additional data relating to the consumer.

Abstract: Provided is a point-of-sale system for processing biometric inputs, comprising a fingerprint reader configured to receive a plurality of fingerprints simultaneously or substantially simultaneously, an input device configured to receive transaction data, a communication device, and at least one processor in communication with the fingerprint reader, the input device, and the communication device. The at least one processor is programmed or configured to generate at least one transaction message for a transaction based at least partially on a plurality of account identifiers corresponding to the plurality of fingerprints received by the fingerprint reader and the transaction data received by the input device, the at least one transaction message comprising an apportionment of the transaction value among the plurality of account identifiers, and communicate, with the communication device, the at least one transaction message to a transaction processing server.

Abstract: Apparatus and methods are provided for a conversion engine that bridges between incompatible digital currency systems. The conversion engine may include a non-transitory memory of a computer system that includes machine executable instructions, that when executed by a processor on the computer system cause the processor to perform one or more functions of the conversion engine. The conversion engine may receive a request from a source digital wallet application and extract a destination digital wallet from the request. The conversion engine may locate currency referenced by the source digital currency application and verify a transactional integrity of the currency. The conversion engine may transfer the currency from the source digital wallet application to the destination digital wallet application.

Abstract: A computer system 10 for central counterparty limit management, the computer system 10 comprising one or more computers on a network. The computer system 10 comprises an input to receive an indication of a planned order of at least one over-the-counter derivative between counterparties from an asset manager 14. The planned order is associated with at least one actual order to be executed on an execution venue 16. The computer system 10 also includes at least one storage device configured to store a limit comprising an indication of counterparty risk as a stored limit of the asset manager 14; an execution venue output configured to output an indication of a counterparty risk limit of the asset manager 14 to an execution venue 16; and an asset manager output configured to output an indication that the planned order is within the stored limit of the asset manager to the asset manager 14.

Abstract: In an illustrative embodiment, systems and methods for calculating risk scores for locations potentially affected by catastrophic events include receiving a risk score request for a location, the risk score request including a request for assessment of risk exposure related to a type of catastrophic event. Based on the type of catastrophic event, a data compression algorithm may be applied to a catastrophic risk model representing amounts of perceived risk to an area surrounding the location. In response to receiving the risk score request, a risk score for the location may be calculated that corresponds to a weighted estimation of one or more data points in a compressed catastrophic risk model. A risk score user interface screen may be generated in real-time to present the catastrophic risk score and one or more corresponding loss metrics for the location due to a potential occurrence of the type of catastrophic event.

Abstract: A user account evaluation system is disclosed for evaluating risk associated with a user account. The system may obtain user account data associated with many user accounts, select a statistically significant subset of the user accounts, and then process (e.g., to determine types of the user accounts, etc.) and analyze the subset of user accounts to generate a plurality of evaluation models. When a new user account is accessed by the system, user account data may be obtained for the new user account, and the new user account may be evaluated based on the plurality of evaluation models. Accordingly, a plurality of evaluation parameter scores may be generated for the new user account, each of which may indicate an amount of risk associated with the user account. Some embodiments of the present disclosure may include machine learning and/or artificial intelligence methods to improve evaluation of the user accounts.

Abstract: Apparatuses, systems and methods are provided for vehicle operator gesture recognition and transmission of related gesture data. More particularly, apparatuses, systems and methods are provided for vehicle operator gesture recognition and transmission of related gesture data to at least one geographic map programming interface.

Abstract: Systems and methods for executing transactions with increased transactional efficiency and security via a smart payment instrument with self-contained transaction architecture are provided. Methods may include receiving information via a tactile sensor that is affixed to the instrument. Information may include a series of alphanumeric symbols. The receiving may be achieved by entering the symbols via the tactile sensor. Methods may include deciphering the information, via a payment interface component of the instrument, to generate payment data. Payment data may include a recipient and a payment amount. Methods may include transmitting to a payment gateway, via a wireless communication element embedded in the instrument, a request to execute a payment based on the payment data.

Abstract: Systems and methods for managing a user-selected card verification code (CVC2) value for a payment card are disclosed. A sever is coupled to a payment card database and a hardware security module. The server is programmed to receive a request from a user to change the CVC2 value of the payment card to the user-selected CVC2 value. Based upon the request, the server retrieves from a payment card table stored on the database a payment card record associated with the payment card. The server transmits the user-selected CVC2 value, and, from the payment card record, a primary account number, a payment card expiry date, and a first service code to a hardware security module. The server subsequently receives from the hardware security module a second service code associated with the user-selected CVC2 value. The server updates the first service code in the payment card record to the second service code.

Abstract: A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.

Abstract: Systems and methods for matching subscribers with subscription providers include gathering, via a network from one or more remote computing systems, claims data, performance data, and service data regarding a number of providers; determining, by processing circuitry of a computing device based on the claims data, the performance data, and the p service data, one or more provider metrics for each provider of the number of providers; calculating, by the processing circuitry based on the one or more provider metrics, one or more relationships between a number of subscribers and each provider of the plurality of providers; and ranking, by the processing circuitry, the number of providers based at least on part on the one or more relationships.

Abstract: Systems, methods apparatuses, and computer-readable media for analyzing vehicle accident claim information from a vehicle that is deemed a total loss, as well as historical data, to determine whether one or more parts from the vehicle are available for reuse is presented. In some examples, aspects may also relate to determining whether the parts available for reuse should be stored by the entity using the system (e.g., the insurance company) for future use in the repair of other vehicles, such as other vehicles insured by the insurance company, or should be sold. The determination to store or sell the part may be based, at least in part, on historical data of the entity.

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: A method for authentication facilitated via a trusted execution environment includes: reading payment credentials in a first application program stored in a first memory area of a computing device; transmitting an authentication request to a second application program stored in a trusted execution environment of the computing device separate from the first memory area; displaying a prompt for authentication data based on an instruction supplied by the second application program; receiving authentication data; transmitting the received authentication data to an external computing device; receiving, by the second application program of the computing device, an authentication result from the external computing device; and transmitting, by the second application program of the computing device, the authentication result to the first application program in response to the authentication request.