Abstract: Systems and methods of trading items on an electronic trading system according to the invention are provided. The embodiments of the invention are based at least in part on a new order type. The new order type is an only at best order type, whereby trades are preferably only executed at the best price the item is being bought or sold.

Abstract: Improved computer modeling techniques, and uses thereof, are described herein. A set of unstructured textual data is received. Certain textual data is removed from the set of unstructured data to form an initial vocabulary set of textual data. One or more bigrams are added to the vocabulary set of textual data to form a final vocabulary set of textual data. The final vocabulary set of textual data is divided into a plurality of subsets of textual data based on type. A model is trained using each of the plurality of subsets of textual data to form a plurality of trained models, each corresponding to one of the types.

Abstract: A system and method of authenticating a payment transaction between a merchant and a customer in an electronic payment system are described. Transaction details presented by the merchant are received at a mobile electronic device, the customer is authenticated by means of an authentication token presented by the customer at an authentication terminal, and the geo-location of the mobile electronic device and the authentication terminal are compared to verify that the device and terminal are within a predefined geographical distance at the time the payment transaction is processed.

Abstract: A system is disclosed for reporting payments to one or more credit bureaus according to instructions provided by a consumer. The system may provide the consumer with one or more user interfaces from which the consumer can select one or more options to report payments made to billers. In some embodiments, the reporting options are included as part of a biller's website or a bill payment center website. The system may enable faster reporting of payments made to some billers and may report payments made to billers who would not otherwise report payments.

Abstract: A system includes one or more client members connected to one or more primary users and/or one or more end users. The client member receives risk data from the primary user and the end user, and the risk data includes one or more risk variables. A service provider is connected to the client member, and receives at least one of the risk variables from the client member and identifies whether the risk variable corresponds to an undefined type value or a predefined type value. The service member updates an existing database by storing the risk variable under a non-standard type category when the risk variable is identified as the undefined type value. The service member determines whether the received risk variable is a viable risk and a notification is transmitted to the client member when the viable risk is determined.

Abstract: The disclosure provides systems and methods for increasing the security of financial transaction devices and other places of value. Increased security is provided by analysis of a plurality of sensor and other inputs, and formulation of context-sensitive response plan involving the most probably effective response agents.

Abstract: According to some embodiments, systems, methods, apparatus, computer program code and means are provided to encode data in a text message and to send the text message to a mobile device associated with a user.

Abstract: The invention provides systems and methods relating to generating a unified determination based on subdetermination, and in particular, generating a unified score based on respective scores. For example, the invention provides a method for generating a unified determination based on subdeterminations, the method including generating a first subdetermination based on first criteria; generating a second subdetermination based on second criteria; and generating a unified determination based on the first subdetermination and the second subdetermination.

Abstract: A system and method are provided for managing electronic disbursements transferred from a business client of a financial institution to customers of the business client. The system includes a disbursement instruction processor receiving a disbursement instruction over a network from a business client system, the disbursement instruction processor processing the instruction and performing multiple steps. The steps include using a customer identifier to determine available payment channels for the customer and selecting an electronic payment channel when available payment channels include an electronic payment channel. An electronic disbursement notification is forwarded to the customer. A confirmation may be provided upon acceptance of the disbursement through the disbursement notification.

Abstract: A user device may request an account type identifier that identifies an account type associated with the user device. The user device may receive the account type identifier based on requesting the account type identifier. The user device may compare the account type identifier and a set of account type identifiers corresponding to a set of user device configurations to be enabled or disabled by the user device based on the account type identifier. The user device may enable a first subset of user device configurations, included in the set of user device configurations that are associated with the account type identifier. The user device may disable a second subset of user device configurations, included in the set of user device configurations that are not associated with the account type identifier.

Abstract: Tracking of data processing usage of a workload is initiated, within a virtualized environment, comprising one or more globalization characteristics, wherein the at least one globalization characteristic requires conversion by at least one globalization service managed by a virtualization service provider of the virtualized environment. The at least one globalization characteristic is detected. At least one usage metric of the data is tracked during data processing of the workload request. The globalization usage data is output comprising an identifier for the at least one application, an identifier for the at least one globalization characteristic, and the at least one usage metric to identify a particular amount of overhead during data processing based on the at least one globalization characteristic.

Abstract: Configuring a plurality of security isolated wallet containers on a single mobile device includes configuring at least one mobile transaction platform-specific application programming interface for facilitating access to secure mobile transaction platform resources by a wallet container executing on a mobile device; disposing a plurality of distinct wallet containers in a memory of the mobile device, wherein each wallet container interfaces with secure mobile transaction platform resources via the at least one application programming interface; disposing at least one service provider-specific wallet in each of the plurality of distinct wallet containers; and enforcing service-provider specific wallet security by a distinct wallet container accessing a portion of the secure mobile transaction platform resources via the at least one application programming interface.

Abstract: A system for processing bill payments from a consumer to one or more creditors may provide the consumer with a credit report and options to make payments on tradelines present on the credit report. The system may also report the payment information to one or more credit bureaus. Additionally, the system may automatically identify the consumer's accounts, enroll the consumer in online bill payment with creditors, provide account alerts, recommend payments, provide access to electronic statements, and/or provide contextual action buttons for the consumer's accounts.

Abstract: Methods and computerized exchange systems 100 for processing trade orders are disclosed. In the computerized exchange system 100, a sequencer 130 is configured to sequence incoming order entry messages for thereby putting incoming order entry messages in a sequenced order and to send, from the sequencer, order entry message(s) in a sequenced order to a plurality of order book engines 120a-c. Upon receipt of the sequenced order entry message(s) in the various order book engines 120-c, the plurality of order book engines process the sequenced order entry message(s) substantially in parallel. Various embodiments of the disclosed methods and computerized exchange systems allow for better performance, e.g. in terms of lower latency.

Abstract: Systems and methods of using collected data to provide business intelligence functionality and/or information are disclosed. In an example, healthcare information system data (such as billing system data) may be extracted or accessed, and transaction data from multiple information systems may be aggregated. In an example, electronic operations for transformation and processing of healthcare transaction data may include receiving healthcare transaction data, creating an aggregate set of healthcare transaction data, evaluating conditions associated with the aggregate set of healthcare transaction data, generating aggregated healthcare transaction information for display, receiving a user-selected indication in response to the display, and transmitting electronic transaction requests to effect transactions resulting from the user-selected indication.

Abstract: Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient.

Abstract: Systems and methods provide software-based contactless payments. According to various embodiments, a system for software-based contactless payment includes a token manager that generates a token and provides the token to a mobile device of a customer for use with a transaction, a communication interface that receives the token in association with a transaction, and a processor that processes the token using to determine whether to authorize the transaction.

Abstract: Systems and methods are provided for processing mass quote messages and generating market data. A mass quote message is received and individual orders are parsed and processed. Individual market data messages are stored in a market data message buffer. After all orders are processed, the contents of the market data message buffer is distributed as a single market data message.

Abstract: Payment information and user input to serve as authorization to perform a transaction using the payment information can be obtained from a remote user having a client computing device. A merchant can send a request for payment information and authorization over a network to any device having a browser and touch screen or other means for receiving user input. A user interface having overlaid fields can be used to receive the payment information in a secure manner that prevents the payment information from being stored on the client computing device. An input area can also be displayed within the browser on the user's device. When the user inputs a signature (or other authorization information) into the input area, the signature can be routed over a network back to the merchant to provide authorization for a transaction.

Abstract: Systems and methods may provide for generating, maintaining, and using an inventory for insurance purposes. An optimized inventory analysis server may use a demographic classification for a given user along with data related to items owned by other users to determine one or more items for recommendation to the given user. Details associated with existing insurance coverage levels may also be used to recommend new insurance products to the user. In addition, the optimized inventory analysis server may determine a depreciated value of each item within an inventory. These values may be used to assess loss and settle an insurance claim for damage to one or more of the items in the inventory. Finally, the optimized inventory analysis server may recommend incentives on products/services sold by third party entities and may further recommend incentives on insurance products for insuring items purchased by a given user.