Abstract: A computer-implemented method includes: receiving a request to perform a mobile wallet transaction between a user and a merchant via a mobile wallet application operating on a mobile device of the user; determining a location of the mobile device; receiving transaction information from a merchant computer system associated with the merchant; determining a location of a merchant point-of-sale device in communication with the mobile device; comparing the location of the mobile device and the location of the merchant point-of-sale device to determine whether the location of the mobile device is within a predefined distance of the location of the merchant point-of-sale device; generating a transaction code; transmitting the transaction code to the mobile device; transferring funds from an account of the user to a merchant account; and, transmitting an indication that the mobile wallet transaction has been completed to the mobile device.

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 cloud score representative of a likelihood of successfully completing a transaction is determined and utilized to arrange information during the electronic communication session.

Abstract: A method for maintaining transaction integrity for transactions performed over a public network includes: receiving a transaction message corresponding to an original transaction, the transaction message including a unique, client-assigned, first identifier; in response to receiving the transaction message, assigning a unique, second identifier to the original transaction; generating a request to process the original transaction including at least a portion of the transaction message and the second identifier; transmitting the request to an issuer server to process the original transaction; receiving a first response from the issuer server in connection with the original transaction; in response to the first response, generating a second response corresponding to the original transaction including the first identifier and the second identifier; and transmitting the second response to the client.

Abstract: Methods and systems are presented for a fraud risk score to be given to a merchant for a proposed transaction with a consumer. The fraud risk score is generated by a payment account service provider, such as a credit card processor, using information from a pending transaction as well as information from other payment accounts that the consumer holds to which the payment account service provider is privy. Various factors, including indicators of elevated risk in other payment accounts, are custom-weighted by the merchant for the score.

Abstract: Systems and methods for facilitating participative support among users are disclosed. The users may include content-providing users that provide user-provided content to other users. Exemplary implementations may: obtain items of user-provided content; effectuate presentations of the items of user-provided content through user interfaces to the users; receive revenue information from the users, wherein the revenue information represents received revenue for the content-providing users, including a participative-support exchange between a second user and the content-providing user of an amount of a currency being exchanged for a portion of particular (future) revenue received by the content-providing user; determine the particular revenue for the content-providing user, based on the received revenue information; determine and distribute the portion of the particular revenue to the second user, in accordance with the participative-support exchange.

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: A system includes at least one processor and at least one non-transitory computer-readable media communicatively coupled to the at least one processor. In an embodiment, the at least one non-transitory computer-readable media stores instructions which, when executed, cause the processor to perform operations including receiving a request to insure an item of personal property. The operations also include determining ownership of the item based on information stored on a distributed ledger. The operations also include determining authenticity of the item based on the information stored on the distributed ledger. The operations also include determining a value of the item based on the information stored on the distributed ledger. The operations also include generating an insurance policy for the item based at least in part on the value.

Abstract: A bank card adding method includes receiving, by a first terminal, a bank card adding request, establishing, by the first terminal, a peer-to-peer wireless communication connection to a second terminal, sending, by the first terminal, a request for obtaining bank card data to the second terminal, receiving, by the first terminal, the bank card data sent by the second terminal, obtaining, by the first terminal, bank card account information based on the bank card data, and sending, by the first terminal, a card issuing request to a first server to add a bank card to the first terminal, where the card issuing request includes the bank card account information.

Abstract: A computing system for detecting a pattern of fraudulent network events in a payment card network is configured to continuously receive a plurality of scored transaction authorization requests each including a respective account number and a respective fraud score. The computing system is also configured to sort the scored transaction authorization requests into account ranges based the account number, and sort the transaction authorization requests within each of the account ranges into a fraud score range stripes based on the corresponding fraud score. The computing system is further configured to calculate, for the scored transaction authorization requests within each fraud score range stripe, a ratio of a cumulative metric for a shorter time period over a longer time period, and detect, in near real-time, a fraud event associated with one of the account ranges based on the ratio for one of the fraud score range stripes within the account range.

Abstract: Systems and methods for generating a custom document template are disclosed. An example method may be performed by one or more processors of a system and include retrieving a user document including a user data entry in a user data field, identifying a set of system data fields within a plurality of system documents potentially relevant to the user document, determining, for each of the set of system data fields, a weighted value indicative of a likelihood that the system data field is relevant to the user data field, identifying a most relevant system data field of the set of system data fields, the most relevant system data field having a highest weighted value of the determined weighted values, and generating a custom document template including a dynamic data region for the user data entry, the dynamic data region mapped to the most relevant system data field.

Abstract: A system comprising a computer-readable storage medium storing at least one program, and a computer-implemented method for enhancing and personalizing an interactive marketplace. The systems and methods provided herein may allow a user to receive search results that are tailored to the user's personal preferences based on social and purchasing information known about the user. In addition, the systems and methods provided herein may provide shipping updates to a buyer that include a personalized message based on location information provided by the package being shipped. In addition, the systems and methods provided herein allow merchants to provide incentives and rewards for shoppers by participating in interactive shopping games.

Abstract: A computer implemented method includes retrieving, via a computer network, an aerial image corresponding to a geographic location associated with a structure, and analyzing the aerial image to identify a first object within the aerial image. Identifying the first object includes identifying a first object data category corresponding to the first object, and determining objective and subjective data values 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 objective and subjective data values, and linking the one or more action items to a customer account that is associated with the geographic location.

Abstract: An enhanced social network module associated with an entity may create a social network for an individual, group, and/or organization. The module may then use the social network to determine risk associated with insuring a member of the social network. The determined risk may be used to calculate a rate for insuring the member. Additional features of the module may allow for the calculation of a group rate for insuring all members of the social network, the calculation of various centrality measures for each member of the social network, the calculation of a trust score for any given member, and the ability to poll members of the social network to determine various characteristics of any given member.

Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.

Abstract: In an approach for detecting vehicle identity and analyzing damage status using a single video, a processor provides an instruction for taking a video of a vehicle for a damage evaluation. A processor receives the video of the vehicle for the damage evaluation. A processor verifies the vehicle in the video being the same vehicle for the damage evaluation. A processor evaluates a damage status of the vehicle. A processor outputs a damage report based on the damage status of the vehicle.

Abstract: Techniques are generally described for interactive image retrieval using visual semantic matching. Image data and text data are encoded into a single shared visual semantic embedding space. A prediction model is trained using reference inputs, target outputs, and modification text describing changes to the reference inputs to obtain the target outputs. The prediction model can be used to perform image-to-text, text-to-image, and interactive retrieval.

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.

Abstract: Systems and methods for routing trade orders based on exchange latency are disclosed. An example method includes measuring a first latency associated with a first exchange based on a processing time of a first trade order; and routing a second trade order from a trading device to one of the first and a second exchange based on the first latency.

Abstract: A mobile device includes at least one processor, a memory and computer-executable instructions stored thereon. The mobile device is structured to determine first geolocation information indicative of a location of the mobile device and determine, based on the first geolocation information, that the mobile device is located within a predetermined geographic region from a plurality of merchant locations. The mobile device generates an electronic alert message regarding the plurality of merchant locations and displays the electronic alert message to the user. The mobile device determines a user selection of a payment card via a mobile wallet application running on the mobile device. Second geolocation information regarding a location of the mobile device is determined. A code generate a code for a purchase transaction is generated. The code includes the second geolocation information, tokenized payment card information, and a merchant identifier.

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.