Abstract: An identity management device and system. The device comprises a processor operably coupled to a memory, a display, and a communication interface. The device can have stored thereupon instructions that, when executed by processor, cause the processor to implement a user device interface configured to receive, from user device through the communication interface and store in the memory, at least one identification record comprising visually depictable identification data and a user interface configured to update the display to depict the visually depictable identification data. The identification record can comprise authentication data. Authentication data can be displayed on the device or securely transmitted.

Abstract: An online marketplace system generates an online marketplace for seller-financed transactions. The system includes a plurality of listings of transaction offerings that are available. The transaction offerings are listed by a plurality of users and are from a plurality of different categories of products and services. The transaction offerings include a plurality of transaction terms, including payment and seller-financing terms. A transaction engine facilitates the negotiation of transaction terms between users and the formation of agreement between users. Transaction coins are awarded during the successful performance of a transaction according to the agreed upon transaction terms. A reputation engine generates trust profiles and trust scores for users. The trust profiles and trust scores are used by parties to evaluate the trustworthiness of the other party. A user interface engine generates a user interface that includes listings from users and trust scores of those users.

Abstract: In general, this disclosure involves systems, software, and computer implemented methods including receiving a workflow defining (1) a plurality of parameters to be defined during completion of a digital applications, (2) a sequence of operations, and (3) one or more evaluation rules, the workflow having been defined by an external system and received at an integration platform. An application service generates a digital application based on the workflow, the digital application including a reference to the workflow. The integration platform can cause a locked workflow to be immutably stored in a repository at the integration platform. The integration platform sends the digital application to a client device, the digital application configured to be presented on the client device in accordance with the sequence of operations.

Abstract: A secure method of real time money transferring between account holders utilizes Near Field Communication (NFC) technologies, dynamic transaction cards, and a mobile application to facilitate a seamless mobile transfer of funds. The dynamic transaction card of the customer requesting to make the transfer of funds may be placed in contact with the second recipient dynamic transaction card of the customer receiving the funds transfer to establish an NFC connection. The dynamic transaction card requesting the transfer may receive, via the NFC antenna on the card, the recipient customer account information stored on a passive NFC tag. The dynamic transaction card requesting the transfer may transmit the recipient account information to a mobile application, which may transmit the recipient account information to an account provider system for facilitating the funds transfer.

Abstract: A computer-implemented method includes receiving a work item associated with a structure, determining, using an inspection model, that an inspection is needed for the work item, retrieving an aerial image corresponding to a geographic location associated with the structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes (i) identifying a first object data category corresponding to the first object, and (ii) determining a data value descriptive of the first object and corresponding to the first object data category. The method also includes identifying one or more action items based upon the first object data category and the data value, linking the one or more action items to a customer account that is associated with the geographic location, and performing one or more actions corresponding to the one or more action items.

Abstract: A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment from a mobile payment application executing on the mobile device, displaying a visual indication of the payment accepting unit and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application.

Abstract: A vehicle repair estimate platform for collecting vehicle repair data from a depth and dimension measuring camera and generating a manipulatable three-dimensional model of the vehicle damage. An estimate is generated based on insured claim attributes and predefined vehicle damage parameters, and the estimate tagged for periodic selection for inclusion in a wide area repair estimate matrix.

Abstract: A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.

Abstract: After sending a request to a payment module, via a first communication capability (e.g., BLE), to initiate a transaction with a payment accepting unit associated with the payment module, a mobile device with one or more processors, memory, one or output devices, and two or more communication capabilities obtains a notification from the payment module via the first communication capability. The notification indicates an event at the payment accepting unit associated with the payment module. In response to obtaining the notification, mobile device provides a representation of the notification to a user of the mobile device via the one or more output devices of the mobile device. For example, a message is displayed on a display of the mobile device, a vibration alert is produced by a vibration mechanism of the mobile device, an aural alert is produced by a speaker of the mobile device, and/or the like.

Abstract: A heuristic engine includes capabilities to collect an unstructured data set and detect instances of transaction fraud in a financial account. By providing a heuristic algorithm with unstructured transaction sets and indications of particular instances of transactions that correlate with past fraudulent activity allows prevention of future occurrences of fraud. Such heuristic algorithms may learn from past indications of fraudulent activity and improve accuracy of detection of future fraud detections.

Abstract: A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment, displaying a visual indication of the payment accepting unit, and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application.

Abstract: A mobile device presents representations of payment accepting unit events on a display, by identifying a payment accepting unit that is available to accept payment, displaying a visual indication of the payment accepting unit, and accepting user input to receive selection of the payment accepting unit and trigger payment, establishing a wireless communication path including the mobile device and the payment accepting unit, enabling user interaction with the user interface to complete the transaction, exchanging information with the available payment accepting unit via the one or more radio transceivers in conjunction with the transaction, and displaying an updated user interface of the mobile payment application.

Abstract: Systems and methods are disclosed for dynamic policy lifecycle management. In one implementation, one or more specifications are processed with respect to one or more first product requirements to configure a first product model with respect to a first tenant. A first request is received from a first user and the first product model is identified based on the first request. A first policy instance is generated in association with the first product model. A second product model is generated with respect to the first tenant. A second request is received, including a request to change one or more aspects of the first policy instance. In response to the second request, an operation with respect to the first policy instance is initiated based on the association between the first policy instance and the first product model.

Abstract: An on-demand insurance (ODI) server for generating dynamic user offerings may be provided. The ODI server may include at least one processor in communication with a memory device. The at least one processor may be programmed to (i) receive, from a user computing device associated with a user, an insurance policy request for a trip from a start location to an end location, (ii) determine at least one transportation mode available for the trip, (iii) access contextual data associated with the trip, (iv) assess a risk associated with the at least one transportation mode, (v) calculate a risk score associated with the at least one transportation mode based upon at least the contextual data, (vi) generate an insurance offering associated with the at least one transportation mode, and/or (vii) transmit the insurance offering in real time to the user computing device for purchase by the user.

Abstract: A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may also be configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user.

Abstract: This invention relates to systems and methods for processing and visualizing data related to trading strategies for exchange-traded equities based upon real-time options data.

Abstract: Disclosed are a system and a method for communicating with a financial institution over a communication network to manage payments of payee initiated by a sender. The system includes a database for storing a plurality of modules, a central server for monitoring and updating the plurality of modules, a processing unit that processes the plurality of modules. The plurality of modules includes a notification module, a payee module, a dashboard module, a refunds module, a payment process module, and a remittance summary module. The notification module allows the sender to send a payment summary to each payee. The payee module allows the payee to upload the payee's details, to select a mode of payment to receive the payment. The payment process module processes the payment as per the mode selected by the payee in the payee module, further processes the payment via cheque mode if the payee fails to update the mode of payment in a pre-defined duration.

Abstract: System, apparatus, and methods are disclosed for determining, through vehicle-to-vehicle communication, a drafting characteristic of a drafting relationship using vehicle operational data, where the drafting characteristic may include one or more of a vehicle spacing between a first vehicle and a second vehicle, vehicle speed, and vehicle type. Vehicle driving data and other information may be used to calculate an autonomous droning reward amount. In addition, vehicle involved in a drafting relationship in addition to, or apart from, an autonomous droning relationship may be financially rewarded. Moreover, aspects of the disclosure related to determining ruminative rewards and/or aspects of vehicle insurance procurement/underwriting.

Abstract: A computer implemented method for assigning values to objects includes receiving a plurality of values for each of a plurality of base objects including a first and second base object; receiving a plurality of values for a first composite object associated with the first and second base objects; generating and storing in the memory a solution set including combinations of values of the first and second base objects; for each combination in the solution set, generating first transaction results by computing transactions between the values of the first and second base objects; comparing each of the first transaction results to a first range of values including the values of the first composite object; and removing, from the solution set and from the memory, the combinations of the values of the first and second base objects corresponding to the first transaction results that are outside of the first range of values.

Abstract: Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account. The system identifies a request to purchase an open loop prepaid gift account which can be used to make a purchase at a merchant, presents a menu from which a customer can select the merchant, and receives a selection. Based on the selection, the system presents an option to load funds onto the open loop prepaid gift account and, upon receipt of payment, creates the open loop prepaid gift account and loads the open loop prepaid gift account with money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card, and wherein merchant information is printed on the physical card according to an authorization from the merchant, the merchant information including at least one of a legal name, a trade name, a logotype, and a marketing tagline of the merchant.