Abstract: One embodiment of a system for automatically generating code for attributes includes a credit bureau data store that stores credit bureau convention information and an attribute generation system that communicates with the credit data store to detect rules associated with respective credit bureaus.

Abstract: The embodiments provide a system and method for interpreting predictions from machine learning systems using natural language. The system includes a prediction module and an explanation module. The prediction module includes a machine learning model to make predictions for quantities such as recommended coverage amounts for insurance policies. The explanation module includes an impact analyzer that calculates impact values, which represent the degree of influence that each attribute has on predicted values. The explanation module also includes a natural language processing system for transforming generating natural language explanations indicating how the user attributes have influenced the predicted value.

Abstract: A computer-implemented method performed by one or more processors of a mobile wallet computer system is provided. The method includes: receiving, by network interface logic of the mobile wallet computer system, at least one offer from at least one merchant; determining, by one or more processors of the mobile wallet computer system, an offer to provide to a mobile device of a user; causing, by the one or more processors, an image to be displayed on the mobile device taken from a camera of the mobile device; generating, by augmented reality logic, an overlay display configured to overlay the image, the overlay display providing additional information related to the offer to the user; generating, by the one or more processors, an offer code for the mobile device of the user for providing to a merchant; and sending, by the one or more processors, the offer code to the mobile device.

Abstract: A system comprising a plurality of sensor devices configured to acquire data related to a property and a processor configured to receive the data from the plurality of sensor devices and identify one or more hazardous conditions for the property based on the data. The processor is further configured to determine an amount of risk associated with the one or more hazardous conditions and initiate verification operations to confirm the one or more hazardous conditions in response to determining that the amount of risk associated with the one or more hazardous conditions exceeds a first threshold value.

Abstract: Provided is a customer facing risk ratio for trading desks that deal primarily in derivatives in order to determine conformance with government regulations as it relates to financial entities. The customer facing risk ratio is a metric that measures customer facing risk exposure for trading desks of the financial entity. The metric may be utilized to determine conformance to various regulations as it relates to derivative transactions. The customer facing risk ratio may be utilized to measure the proportion of customer facing risk exposure compared to the total risk exposure for each trading desk of a financial entity.

Abstract: A mobile wallet computer system coupled to a merchant computer system and a mobile device associated with a user includes one or more processors coupled to one or more non-transitory memory devices. The one or more non-transitory memory devices include instructions stored therein that are executable by the one or more processors to cause operations including receiving, from the mobile device, a request to perform a transaction between the user and a merchant associated with the merchant computer system. The operations also include generating and providing to the mobile device a code comprising mobile wallet account information associated with the user. The operations also include receiving, from the merchant computer system, the code, bank account information associated with the merchant, and a purchase amount associated with the transaction. The operations also include authenticating the transaction between the user and the merchant by decoding the code.

Abstract: A system is provided as a computer server platform and application programming software installed in primary devices of users for exchanging and trading digital asset securely and anonymously between two users of the system. The digital asset is registered under a device account of a primary device of a user with the system using a unique device account name. The system respects “privacy by design” in GDPR by using device account based-on anonymized data instead of personal account based-on personal data of prior art to ensure the system does not collect, store and process users' personal data in the course of device accounts' set-up and transactions of digital assets.

Abstract: A method and system for improving and automating the identification of homes located in an imminent or current disaster zone and causing an immediate release of funds to residents without requiring the insured member to first submit a claim are disclosed. The system and method are configured to determine whether there is a high likelihood of a disaster event occurring in a region, based on external sources or local device sensors. In response to the disaster event, a smart contract is executed such that funds are expeditiously released via a distributed ledger system to insured members in the first region.

Abstract: In order to facilitate secure and confidential electronic exchanges, systems and methods include establishing an electronic communication session based on participation levels controlled by a stack software object such that each invitee computing device associated with each invitee is prevented from accessing activities in the electronic communication session unless the invitee satisfies first predetermined parameters based on a locked stack participation level; an initiating computing device associated with the initiating user is enabled to access the electronic communication setting at a reserve level while each invitee computing device is prevented from accessing the activities in the electronic communication session unless the invitee satisfies second predetermined parameters based on an unlocked stack participation level; and the initiating computing device and each invitee computing device are enabled to access the activities in the electronic communication session based on an open stack participation l

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: 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: Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to determining a likelihood of successfully trading a particular financial instrument between an initiating user and one or more invitee users and at various terms during an electronic communication session. The likelihood of successfully trading a particular financial instrument can be determined based on historical trading data of the particular financial instrument and/or financial instruments similar thereto, as well as trading intentions of the initiating user and/or one or more invitee users.

Abstract: Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the identification and selection of one or more financial instruments to trade during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. The selected financial instrument is identified based on a degree of match between the preferred yield risk profile of the initiating user and the risk profiles associated with the financial instruments that are available to be traded.

Abstract: Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the identification and selection of one or more financial instruments to trade during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. The selected financial instrument is identified based on a degree of match between the characteristics of the issuer of the financial instruments and the characteristics preferred by the initiating user.

Abstract: Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the automatic participation of users during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity.

Abstract: Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the identification and selection of one or more financial instruments to trade during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. The selected financial instrument is identified based on a degree of match between the preferred yield risk profile of the initiating user and the plurality of attributes associated with the financial instruments that are available to be traded, wherein the plurality of attributes includes at least two of a set of yield attributes, a set of issuer attributes, and a set of underwriting attributes.

Abstract: Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to determining a likelihood of successfully trading a particular bond between an initiating user and one or more invitee users and at various terms during an electronic communication session. The likelihood of successfully trading a particular bond can be determined based on historical trading data of bonds that are similar to bonds that were previously traded by the initiating user.

Abstract: Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the identification and selection of one or more financial instruments to trade during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. The selected financial instrument is identified based on a degree of match between trading intentions of the initiating user and trading data associated with the selected financial instrument.

Abstract: Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to controlling communication of information during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. When a dealer with whom the initiating user has a relationship does not have a relationship with invitee users that may desire to trade for the security, a second dealer can be included in the electronic communication session, where the second dealer has a relationship with such invitee users. Various levels of participation are available for each user and correspond to what information each user is provided during the electronic communication session.

Abstract: Computer-implemented methods and computer systems for an electronic transaction platform that enables the buying and/or selling of securities by users. The methods and systems relate to the arrangement and presentation of information in a graphical user interface during an electronic communication session for trading a financial instrument between an initiating user and one or more invitee users with the assistance of a dealer user or other intermediate entity. A liquidity score representative of a likelihood of successfully completing a transaction is determined and utilized to arrange information during the electronic communication session.