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: A computerized method for optimizing a real estate management or selection process. This system scores various potential new real estate Comps in accordance with customer selected and weighted factors, including a novel set of Key Selected Driver (KSD) factors that rate a building's suitability to the customer's needs, according to an algorithmic scoring system. The system can use KSD factors to take into account the demographics of various cities or geographic regions, as well as take into account the distribution of employee homes, local traffic patterns, and the like. The system may also comprise a financial modeling section as well that makes alternative future cost projections based various financial parameters. The method can graphically show multiple potential sites, financial data, KSD factors, demographic factors, and mapping data simultaneously, thus allowing for rapid and intuitive optimization.

Abstract: Systems and techniques for managing creation, delivery, and redemption of stored value tokens such as gift cards and electronic gift cards. An interface presented to a donor at a terminal allows the donor to specify details of a token, including token value and whether the token is to be associated with a particular retailer or group of retailers. The donor is also able to specify restrictions on the use of the token. For example, the donor may prohibit the purchase of particular categories of products or may specify categories of products authorized for purchase and the amount that may be spent for each category. The donor is also able to specify particular products to be purchased. A token definition is stored and a token associated with the definition is delivered to a recipient. When the recipient presents the token for redemption, the token is redeemed according to the definition.

Abstract: A method of executing a transaction for a user at a self-service terminal is described. The method comprises: (a) sensing a stroke gesture delineated by the user on a touch-sensitive panel; (b) recognizing the delineated stroke gesture; and (c) matching the delineated stroke gesture to one of a plurality of defined transaction strokes, each defined transaction stroke being associated with a specific transaction. The method further comprises (d) executing the specific transaction associated with the matched transaction stroke.

Abstract: A system and method comprising receiving information corresponding to a prospective transaction by a user, computing a characteristic value for the user based at least in part on the information, and generating a score for at least one payment type based at least in part on the information and historical data about previous transactions, the at least one payment type corresponding to at least one computer-executed workflow for finalizing the prospective transaction. The system and method further comprising, determining, based at least in part on the score and the characteristic value, an interface to display to the user, the interface including functionality that enables the user to initiate execution of the at least one computer-executed workflow, and providing the interface to the user.

Abstract: A tax data collection system includes a navigation module configured to obtain user data. The system also includes a data graph including information relating to the user data. The system further includes a knowledge engine configured to map the user data onto a data model using the information from the data graph. Moreover, the system includes an inference engine configured to suggest a system action by analyzing at least the data model after the user data has been mapped thereon.

Abstract: A display of a computing device is updated to present an electronic user interface that provides a keyword entry control. Through the keyword entry control, keywords are received that are associated with an advertisement. Computer processors are used to determine whether keywords are overbroad in accordance with a ratio of a number of times that the keywords have been used in search queries provided by users to a click-through rate of other advertisements presented to the users responsive to the search queries. Low-performing keywords are identified from the overbroad keywords. At the display of the computing device, the electronic user interface is updated to present a visualization of a list of the low-performing keywords, and to provide a set of interactive controls. The set of one or more interactive controls includes a given control that removes a corresponding low-performing keyword from being associated with the advertisement.

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 may monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.

Abstract: A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide power to the electronic transaction card and initiate communications with the electronic transaction card. One or more records may be acquired from the electronic transaction card. Data objects may be extracted from those records and stored in a cache. Data objects may be needed to process transactions. If the data object is available from the data cache or is otherwise received prior to all records being received, transactions may be processed prior to the acquisition of all records from the electronic transaction card.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing a block chain distributed network for generation of blocks with searchable metadata code embedded therein for recreating a historic record of how a transaction is processed from a client origination to external clearing. The invention provides a process by which a distributed ledger technology is utilized to store complete payment structures and their events across application life-cycles to recreate a historic record of event processing. The record allows for complex tracking and tracing across complex event processing where data points are received, spliced, and processed across multiple applications in a high quantity high velocity environment.

Abstract: A cash flow management system is provided within a host system for facilitating cash flow management for businesses. The cash flow management system includes an electronic billing and invoicing computing system enabling generation and transmission of electronic bills based on business invoices and for displaying the generated bills for payment and an integrated receivables and reconciliation system receiving notification of received payments and for matching received payments with the generated invoices. The system additionally includes a communication interface for allowing the cash flow management system to communicate with multiple financial management systems accessible to the host enterprise, the systems including at least an accounting system, the integrated receivables management system receiving information from the financial management systems within the host system to facilitate management of cash flow for the businesses using the cash flow management system for electronic billing.

Abstract: A method for transmitting travel notifications to issuing entities includes: receiving travel data associated with travel plans of a consumer, the travel data including a departure date and destination location; reading at least one set of payment card details, each set of payment card details being encoded in a physical payment card or electronically transmitted by a computing device, and where the set of payment card details includes an account number associated with a transaction account; generating a data message for each set of payment card details, the data message including the travel data and the respective set of payment card details; and electronically transmitting a data signal for each generated data message, the data signal being electronically transmitted to a financial institution associated with the transaction account associated with the account number included in the set of payment card details included in the respective data message.

Abstract: The field of the invention relates to systems and methods for operation of a matching service, and more specifically to operation of a matching service utilizing electronic data related to participants' experiences, e.g., locations visited and activities completed. In an embodiment, the system includes a matching server system, operatively coupled to a network, configured to calculate a compatibility value generated from correlating a first user match profile with a second user match profile, such correlation resulting in a potential match if the compatibility value exceeds a predetermined threshold, and at least one user device, operatively coupled to the network, wherein the user device is configured to enable users to post and respond to user experiences. When a second user responds to the posting of the first user, the compatibility value correlating the first user match profile with the second user match profile is increased. The user experiences include at least one of places and activities.

Abstract: An internet-based, user-controlled aspirational savings social network system and associated method for end-to-end articulation, savings, and fulfillment of user's aspirations bridges the existing chasm between the user's savings and the purpose for their savings. A network platform facilitates users to discover and articulate aspirations and connects individual accounts assigned to the user's aspirational goals. A plan is developed for each account and a collaborative savings amplification tool of the platform increases the effective monetary amounts beyond the user's principal contributions and/or reduces the price of the aspired goods or services to advance the plan in ways that fulfill the aspirational goals. The network platform engages with a plurality of merchants associated with the aspirational goals to supply the goods or services and yield a comprehensive end-to-end solution.

Abstract: A method of displaying, buying, and trading electronic trading cards on a computer or handheld electronic device by running an electronic trading card application on the computer or handheld device that communicates via the internet with at least one remote server containing a registry of all electronic trading cards. The electronic trading card application running on the computer or handheld device transmits a transaction request to the at least one remote server to execute a purchase or trade between two users of one or more electronic trading cards. The electronic trading card application further displays various components of an electronic trading card based upon user inputs.

Abstract: A computer system for efficient processing of rules-based data. Computer-readable instructions cause one or more processors to generate one or more user interface displays including prompts for data indicative of employee data and jurisdiction; based on user inputs received in response, generate questions; based on responses to the questions and jurisdiction data, determine pay periods with prompts for employee wage data for each of the pay periods; determine gross wages in response to received employee wage data; determine average weekly wage data based on determined gross wages, and generate one or more formatted state forms including wage and average weekly wage data.

Abstract: Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction and a funding source engine for providing options to fund the payment. The disclosed embodiments may also provide a payee identity engine for identifying the intended payee receiving the payment and a routing option engine for providing options to route the payment. The embodiments may also provide a messaging engine for providing channels for related parties to the personal payment transaction to communicate.

Abstract: A user is presented with a first display with certain parties and a second display on the same screen, where the user can drag and drop the parties on the first screen to the second screen to create a desired network flow. A service provider, such as a payment provider, builds code based on the network flow and zips it into a downloadable file. The user can then easily implement the zipped code into a mobile app that will allow a user to send data through the app using the payment provider. The zipped code uses a library of data options offered by the payment provider and allows the user to input custom variables into these options. Code is automatically generated for the user to use based on the user input.

Abstract: An authentication system for electronic transactions occurring over a computerized network is provided that includes: (a) a transaction authentication system interface operatively coupled to the computerized network for receiving proposed transactions information over the computerized network; and (b) a transaction authentication tool, operatively coupled to the transaction authentication system interface, where the tool includes: an automated anti-fraud analysis component for analyzing transactions information from a plurality of proposed transactions and automatically rejecting a first subset of proposed transactions according to automatic rejection criteria and automatically assigning a second subset of transactions for additional review; and an automated acceptance component for analyzing the second subset of transactions and accepting a third subset of transactions from the second subset based upon automatic accepting criteria.

Abstract: There are provided systems and methods for display of a transaction history using a payment card display device for secure transaction processing. A user may visit a merchant location for a merchant and purchase one or more items from the merchant using a payment card. The payment card may be equipped with a display device, as well as an antenna or other communication module. Once the payment card is processed for the transaction, a merchant device at the merchant location may communicate a message to the payment card for display on the display device of the payment card. The message may include information of whether the transaction was processed, an amount for the transaction, and/or a number of transactions processed. Thus, the user may be informed of how much was charged to the payment card and whether the payment card was incorrectly processed.