Abstract: A mobile device initiates automatic action-based product provisioning for rides. The mobile device detects a ride protection trigger and alerts a management server of the detected ride protection trigger. The mobile device also retrieves ride information from a ride application and sends the ride information to the management server. The management server determines a ride action based on the ride protection trigger and the ride information. The management server identifies a product based on the determined ride action and sends the ride information and a request for a dynamic product to a product provisioning server. The product provisioning server generates the dynamic product based on the request and the ride information and sends the generated dynamic product to the management server. The management server may send the dynamic product to the mobile device for display.

Abstract: Systems and methods for authorizing a blockchain transaction. A verification network receives a transaction request for the blockchain transaction from a payer device including a first signature generated by a first private key associated with a payer. The verification network broadcasts a verification request to verification system(s) which assess pre-agreed threshold parameters. If the parameter(s) are satisfied, at least one verification system perfects the transaction by generating a second signature using a second private key, and broadcasts the transaction to the blockchain network. If the parameter(s) are not satisfied, verification offer(s) from among the verification system(s) including the second signature(s) are used to prompt the payer device to confirm the blockchain transaction by selecting at least one of the offer(s).

Abstract: A method, a computer program product, and a computer system determine a qualified exchange. The method includes receiving a request for a status of an exchange. The method includes determining the status of the exchange using a qualification analysis. The qualification analysis includes a plurality of prevailing factors and a multi-step analysis. Satisfaction of one of the prevailing factors automatically qualifies the status of the exchange as the qualified exchange. the multi-step analysis includes a plurality of tests. Satisfaction of each of the tests qualifies the status of the exchange as the qualified exchange. The method includes generating and transmitting a response indicative of the status of the exchange.

Abstract: A system and method for replacing a customer's debit card payment with a one-time loan at a point of sale (POS) is disclosed. The method receives, at a POS, a debit card input from a customer to be used as a transaction payment. The POS obtains, from the debit card input, identification information for the customer. A total monetary amount of the transaction payment and the identification information is provided to a one-time loan provider's computer system. The one-time loan provider's system uses the customer identification information to perform a credit screening for the total monetary amount of the transaction payment. The one-time loan provider's system provides to the POS a one-time loan offer for the customer. The one-time loan offer to be used in place of the debit card input to make the transaction payment.

Abstract: A computer-implemented method performed by a mobile device of a user having a mobile wallet includes: receiving a log-in credential to access a mobile wallet client application; receiving an indication of a default account for mobile wallet transactions through the mobile wallet client application; receiving a credential as part of authenticating a mobile wallet transaction using the default account; generating an optical code for scanning as part of the mobile wallet transaction via the mobile wallet client application, wherein the optical code includes information relating to a geographic location of the mobile device specific to the mobile wallet transaction; and providing a display with a map having an indicator showing the geographic location of the mobile wallet transaction.

Abstract: Blockchain techniques for providing insurance to an affinity group may include an enforcement server that receives a plurality of bidding actions (e.g., bid or no-bid) from a plurality of bidding entities in response to an auction of an opportunity to provide insurance for members of the affinity group. The server may compile transactions corresponding to the received bidding actions into a block of transactions (e.g., a round of bidding), distribute the block of transactions to validation entities to form a consensus on the highest bid, and update copies of a distributed ledger with the block of transactions. The server may identify a winning bid and provide affinity group member data to the winning bidding entity, thereby providing consumers with lower cost insurance and/or insurance that is more reflective of actual risk (or lack thereof). The affinity group may be updated over time and re-auctioned using the blockchain techniques.

Abstract: Systems and methods of the present disclosure enable an electronic transaction platform that receives a request to begin the electronic communication session identifying a preferred instrument feature relating to the target financial instrument to be traded. The electronic transaction platform receive instrument feature data relating to characteristics of financial instruments available to trade, and clusters, using a clustering machine learning model, the financial instruments into instrument feature groups based on the characteristics. The target financial instrument is classified with the clustering machine learning model into one of the instrument feature groups based on the preferred instrument feature to identify similar financial instruments. A dealer user is identified to act as an intermediate entity in a transaction with the similar financial instruments and a graphical user interface is presented to the user with active links to connect to the dealer user for each similar financial instrument.

Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).

Abstract: Techniques for assessing the proficiency of artificial intelligence agents and users in a given knowledge domain are described. A plurality of proficiency agents can be initialized with a plurality of proficiency scores, by performing a plurality of assessments between pairs of proficiency agents selected from the plurality of proficiency agents. A first client device associated with a first user is matched with a first proficiency agent of the plurality of proficiency agents, based on a first proficiency score associated with the first user and a second proficiency score of the plurality of proficiency scores corresponding to the first proficiency agent. Assessments results of an assessment performed between the first client device and the first proficiency agent are received, and a rating system update function is used to update the first proficiency score and the second proficiency score, based on the assessment results.

Abstract: A telematics data marketplace (TDM) computing device including a processor in communication with a memory device is provided. The processor may be configured to: (i) receive registration data from a provider, wherein the registration data includes desired user data sets and an associated purchase price, (ii) retrieve, from the memory device, user data associated with a plurality of users, wherein the user data includes at least telematics data, (iii) match the provider to one or more users of the plurality of users based upon the user data associated with the users matching the desired user data sets of the provider, (iv) prompt the matched users to allow the provider access to the user data for the purchase price, (v) transmit the user data of the matched users to the provider, and (vi) provide the matched users with a reward corresponding to the purchase price of the desired user data set.

Abstract: A donation facilitation system that can allow a donor, such as a customer, to challenge another entity, such as a provider, to make a provider contribution to a portfolio of multiple charities set up by the donor upon, for example, the purchase of a good or service from the provider. The provided portfolio donation facilitation system can allow the other entity such as a provider to create its own provider portfolio of multiple charities and make a provider contribution to a customer's portfolio of multiple charities when at least one component of the provider's portfolio of multiple charities matches at least one component of the customer's portfolio of charities. The provider makes the contribution to the charity or charities.

Abstract: Risk assessment can be performed in many contexts including in lending. A set of metrics can be received and derived from data associated with a party, such as a third-party retailer or dealer, with respect to performance of an activity. A subset of metrics can be identified that exceed a threshold of acceptable performance. Weights can be applied to at least the subset of metrics that captures significance of corresponding metrics. A single weighted score can be computed from aggregation of the weighted subset of metrics, and a third party can be classified based on comparison of the weighted score to a predetermined threshold.

Abstract: A donation facilitation system that can allow a donor, such as a customer, to challenge another entity, such as a provider, to make a provider contribution to a portfolio of charities set up by the donor upon, for example, the purchase of a good or service from the provider. The provided portfolio donation facilitation system can allow the other entity such as a provider to create its own provider portfolio of charities and make a provider contribution to a customer's portfolio of charities when at least one component of the provider's portfolio of charities matches at least one component of the customer's portfolio of charities.

Abstract: Disclosed herein is a method and system for establishing secure communication between a terminal device and a target system. The method comprises validating the terminal device and the target system based on a communication request received from the terminal device. Upon validation, the terminal device is signaled to generate a Quick Response (QR) code corresponding to the communication request. Subsequently, the QR code generated at the terminal device is processed using a predetermined verification interface configured in a user device for establishing the secure communication between the terminal device and the target system. In an embodiment, the present disclosure helps users in completing a transaction based on the QR code generated at the terminal device, and thereby eliminates requirement of using a credit card/debit card and the like for completing the transaction.

Abstract: A smart contract computing device may be provided. A processor may be configured to: (1) receive a plurality of deposits from a plurality of user computing devices; (2) store the plurality of deposits in a blockchain structure including, for each user computing device, a user identifier and a current amount; (3) receive, from at least one user computing device of the plurality of user computing devices, a proposal message for a decentralized insurance policy, the proposal message including a price amount, a coverage amount, a payout condition, and a specified data source; (4) receive, from at least one user computing device of the plurality of user computing devices, a response message for the decentralized insurance policy; and/or (5) generate, in response to receiving the response message, a smart contract in the blockchain structure including at least one buyer user identifier, at least one seller user identifier, the coverage amount, the payout condition, and the specified data source.

Abstract: Method and system for validating a plurality of policies. For example, a computer-implemented method includes receiving a plurality of policies, each policy of the plurality of policies associated with a policy lifecycle including one or more validation actions, each validation action of the one or more validation actions being associated with an action time; mapping the one or more validation actions associated with each policy of the plurality of policies on a common timeline of a shared clock; and determining the plurality of validation times based at least in part upon the action time associated with each validation action of the one or more validation actions by at least one of: minimizing the amount of validation times of the plurality of validation times; and maximizing the amount of validation actions contained within each validation time of the plurality of validation times on average across the plurality of validation threads.

Abstract: System and methods are disclosed for determining, through vehicle-to-vehicle communication, whether vehicles are involved in autonomous droning. 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 performed by one or more processors of a mobile wallet computer system is provided. The method comprises providing, by an offer engine of the mobile wallet computer system, an offer to a mobile device of a user. The offer is presented based on a geographic location of the mobile device. The method further comprises generating, by a code generator of the mobile wallet computer system, an offer code for the mobile device of the user for providing to a merchant. The generating including embedding the geographic location of the mobile device into the offer code. The method further comprises sending, by network interface logic of the mobile wallet computer system, the offer code to the mobile device.

Abstract: A method of processing a virtual money order transaction includes establishing an account for a first user having a first user device and receiving from a second user device, a virtual money order purchase request identifying the first user as a payee, an amount, and payment information. A transfer of a payment amount from a second user account to a transaction processor account is processed and a virtual money order is generated with associated information accessible at a network address. A notification including the network address is transmitted to the first user device and a request to receive the money order information is received via the network address. Responsive to verification that the requester is authorized, the information is transmitted to the first user device. A redemption request is received and a transfer of the money order amount from the transaction data account to the redemption requester is processed.

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.