Abstract: Decentralized machine learning to build models is performed at nodes where local training datasets are generated. A blockchain platform may be used to coordinate decentralized machine learning over a series of iterations. For each iteration, a distributed ledger may be used to coordinate the nodes. Rules in the form of smart contracts may enforce node participation in an iteration of model building and parameter sharing, as well as provide logic for electing a node that serves as a master node for the iteration. The master node obtains model parameters from the nodes and generates final parameters based on the obtained parameters. The master node may write its state to the distributed ledger indicating that the final parameters are available. Each node, via its copy of the distributed ledger, may discover the master node's state and obtain and apply the final parameters to its local model, thereby learning from other nodes.

Abstract: A system and method of automated debt management with machine learning is disclosed. An example system may include a data collection circuit to collect information about entities involved in debt transactions, a training data set of outcomes related to the entities, and a training set of debt management activities. The system may also include a condition classifying circuit to classify a condition of at least one of the entities and an automated debt management circuit to manage an action related to a debt. The condition classifying circuit may include a model trained using the training data set of outcomes related to the entities.

Abstract: A system and method for facilitating foreclosure on collateral is disclosed. An example system may include a lending agreement storage circuit structured to store a plurality of lending agreement data comprising at least one lending agreement, wherein the lending agreement comprises a lending condition data comprising terms and condition data of the at least one lending agreement related to a foreclosure condition on at least one asset that provides a collateral condition related to a collateral asset for securing a repayment obligation of the at least one lending agreement; a data collection services circuit structured to monitor the lending condition data and to detect a default condition based on a change to the lending condition data; and a smart contract services circuit structured to interpret the default condition and communicate a default condition indication that initiates a foreclosure procedure based on the collateral condition and the default condition.

Abstract: [Object] The object is to present a technical solution for a bank to disclose information on a deposit account directly to a third party. [Solution Means] The owner of a virtual currency address or real-currency deposit account provides a disclosure key to a disclosee (third party). The third party accesses a disclosure server 6 by operating a disclosee terminal 7, and transmits a disclosure request with the disclosure key. The disclosure server 6 accesses to an opener bank server 1, 8, acquires the virtual currency address owner information or the instant real-currency deposit account balance information, transmits it to the disclosee terminal 7, and make it browsable on the disclosee terminal 7.

Abstract: A method includes acquiring, at a node server, blockchain data for a blockchain address on a blockchain network. The blockchain data includes a plurality of transactions for the blockchain address. The method includes generating a local node trust score for the blockchain address based on the blockchain data. The local node trust score indicates a likelihood that the blockchain address is involved in fraudulent activity. The method includes receiving, from a plurality of remote servers, a plurality of additional local trust scores for the blockchain address. The method includes determining a consensus trust score based on the local node trust score and the plurality of additional local trust scores. Additionally, the method includes receiving a trust request for the blockchain address from a requesting device and sending the consensus trust score for the specified blockchain address to the requesting device.

Abstract: Embodiments may include a two-round-trip protocol by which two parties can securely conduct an already-agreed-upon exchange of digital assets (i.e., in the provable absence of settlement risk). For example, in the first round of the protocol, each party may send to a specially designed “settlement contract” the “statement” corresponding to the party's portion of the proposed bilateral transaction (e.g., how much asset the party will transfer, and to whom), as well as a hash of the party's “proof”. Between rounds, each party checks that the other party's statement transfers to the party the agreed-upon amount. The settlement contract may then lock the proof hashes against future misuse, and in particular against use by unauthorized parties. In the second round, each party sends its proof to the settlement contract. The settlement contract then dispatches both statement-proof pairs and executes the bilateral exchange.

Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Abstract: Apparatuses, methods, program products, and systems are disclosed for providing intuitively understandable visual representation of personal budgeting information. An apparatus includes a processor, a display device, and a memory that stores code executable by the processor to generate a graphical representation of a total budget for a user as a function of a total budget amount and a size of a viewing area of the display device, generate one or more graphical representations of individual budget items of the total budget as a function of budget amounts for each of the individual budget items and the size of the viewing area of the display device, and present the graphical representation of the total budget and the one or more graphical representations of the individual budget items together on the display device sized according to the size of the viewing area of the display device.

Abstract: A method for electing a leader in a blockchain network using a role-based consensus protocol includes generating a new block by a node in the blockchain network and computing an effective resources metric for the node based on a role of the node, resources of the node and a role-based weight profile for the resources of the node. Eligibility proof of the node is generated based on eligibility information that includes a blockheader of the new block, an identity of the node, a difficulty target, T, of the blockchain network, and the effective resources metric. The new block and the eligibility proof is broadcast to the blockchain network, to enable one or more other nodes in the blockchain network to verify eligibility of the node as a leader.

Abstract: Systems and methods are provided that authorize blockchain network transactions based on a work requirement. A blockchain network has a plurality of nodes. At least one node of the plurality of nodes is configured to determine whether a token has satisfied a work requirement. The work requirement represents participation of performing work within the blockchain network. The at least one node is further configured to approve a transaction as a function of determining that the work requirement has been satisfied and, to disapprove the transaction as a function of determining that the work requirement has not been satisfied. By enabling the transaction to be approved based on a work requirement, the token, for example, can be authenticated as having an inherent functional value. In this way, the blockchain network or token exchange can attest to the token not being a security, which would be subject to federal securities and regulations.

Abstract: A tracking liquidity order and related market center and process are disclosed which allow posting market centers (e.g. exchanges) to fill routable, smaller orders that would have otherwise routed off the posting market center. Such tracking liquidity orders increase the liquidity of that posting market center and allow it to execute more orders internally, without having to route them to an away market center.

Abstract: A system, method and computer-readable medium for interfacing with an EMV compliant chip card having an embedded microchip. A transaction computer includes a virtual credit card terminal running in a web browser and that is in communication with an EMV card reader having a chip card slot. The virtual terminal defines a first EMV transaction and a second EMV transaction based upon user input. The virtual terminal then causes the embedded microchip of the EMV chip card to generate a first cryptogram associated with the first transaction and a second cryptogram associated with the second transaction during a contact interface session or a contactless interface session. The virtual terminal then authenticates the first and second cryptograms over a computer network with a card issuer. Once authenticated, the virtual terminal completes the first transaction and the second transaction.

Abstract: Systems and methods for automatically restructuring debt are disclosed. An example system may include a data collection circuit to monitor and collect information about at least one entity involved in a loan; and a smart contract circuit to automatically restructure a debt related to the loan based on the monitored and collected information about the at least one entity involved in the loan.

Abstract: Disclosed are example methods, systems, and devices for integrating payment API services provided by a service provider computing system with a client application. The client application running on a user device may allow a user to make payments and/or to submit payments for approval and may communicate payment information to a client computing system. If a payment is submitted for approval via the client application, the client computing system may make API calls to the service provider computing system to, for example, submit, view, and/or cancel payments. Payments may be approved by a second user using a second device. The service provider computing system initiates fund transfers for approved payments. Payments may be submitted within the operating environment of the client application without use of an application or website of the service provider.

Abstract: Systems and methods are described for monitoring content consumption. A method may comprise determining, by a device, content accessed by one or more user devices. The method may comprise causing a distributed ledger record to be generated. The distributed ledger record may comprise an indication of the content. The distributed ledger record may be stored on a distributed ledger. The distributed ledger may comprise other records indicating content accessed by a plurality of other devices.

Abstract: A tracking liquidity order and related market center and process are disclosed which allow posting market centers (e.g. exchanges) to fill routable, smaller orders that would have otherwise routed off the posting market center. Such tracking liquidity orders increase the liquidity of that posting market center and allow it to execute more orders internally, without having to route them to an away market center.

Abstract: Systems and methods for constructing a scoring model and evaluating user credit. An example method for constructing a scoring model may comprise: collecting a plurality of sample datasets, each sample dataset comprising at least one characteristic variable and a corresponding characteristic value; for each characteristic variable, acquiring an interaction index of the characteristic variable with each of one or more other characteristic variables, and determining a clustering index of the characteristic variable according to the interaction indices; selecting a target characteristic variable from the at least one characteristic variable according to the clustering indices of the characteristic variables; dividing the plurality of sample datasets into a plurality of sample dataset subgroups according to the target characteristic variable and the corresponding characteristic value; and constructing a corresponding sub-scoring model for each of the sample dataset subgroups.

Abstract: A method for facilitating a transaction with a one-time number includes: receiving a first transaction request, wherein the first transaction request includes a plurality of data elements including at least a first data element configured to store a zero transaction amount and a second data element configured to store a primary account number; parsing the primary account number stored in the second data element included in the received first transaction request; generating a one-time value, wherein the one-time value includes a predetermined number of digits and a subset of the predetermined number of digits is a reference to the processing server; storing a data entry comprised of at least the parsed primary account number and the generated one-time value; and transmitting the generated one-time value in response to the received first transaction request.

Abstract: Methods and systems are disclosed for evaluating and visually displaying the performance of individual components of a portfolio of assets. Information regarding a portfolio may be received and parsed into individual components. The performance of each component may be evaluated by way of performance metrics and compared against corresponding alternative parts. A visual display may be generated that charts the performance of each component against replicability by the corresponding alternative component. Within such a display, each component may be represented by a respective icon, and the size of the icon may correspond to relative size (proportion) of the represented component within the portfolio. Each icon may also have different colors (and saturation thereof) to indicate different information (e.g., degrees of replicability, differences in performance metrics) regarding the represented component.

Abstract: Disclosed are example methods, systems, and devices for integrating payment API services provided by a service provider computing system with a client application. The client application running on a user device may allow a user to make payments and/or to submit payments for approval and may communicate payment information to a client computing system. If a payment is submitted for approval via the client application, the client computing system may make API calls to the service provider computing system to, for example, submit, view, and/or cancel payments. Payments may be approved by a second user using a second device. The service provider computing system initiates fund transfers for approved payments. Payments may be submitted within the operating environment of the client application without use of an application or website of the service provider.