Abstract: A computer system for facilitating peer-to-peer anonymous lending between members of a business syndicate is disclosed. The system is structured to generate, by a disaster funding modeler circuit, based on disaster and economy data received from an external source, a projection of a need for a loan for a particular syndicate member located in a particular geographical area. The location of the syndicate member is determined based on member-provided information and/or based on global positioning system (GPS) information received from the member's computing device. This information is supplemented by additional information received from a municipality computer system (e.g., vehicle positioning information). The system is further structured to facilitate a peer-to-peer loan transaction.

Abstract: The present disclosure is directed method and apparatus that may automatically adjusting credits that offered to support a project based on received project information. Information received by a computer that evaluates credit adjustments may include a property value, a current amount of debt, a current value of project materials, type of project materials, a current credit amount, and an address associated with the product. Such methods may include using received client information to establish an account credit offer based on the received client information, establish a project credit offer based on reived project information, generate an adjustment multiple when the project credit offer is different than the account credit offer, and change the account credit offer based on the project credit offer and the adjustment multiple.

Abstract: The following relates generally to light detection and ranging (LIDAR). In some embodiments, an inventory list of personal belongings is generated based upon data received from a LIDAR camera. For instance, in some embodiments a system: receives LIDAR data generated from one or more LIDAR cameras; analyzes the LIDAR data to determine or identify one or more personal articles or insurable assets; and generates an electronic inventory list of personal belongings based upon the one or more personal articles or insurable assets determined or identified from the LIDAR data.

Abstract: Systems and methods are disclosed for generating an assessment of safety parameters using sensors and sensor data. One method may include, receiving, by a computing device having one or more processors and from a user device, a request for generating an neighborhood safety assessment for a desired geographic area, wherein the request is based on an assessment of a first neighborhood safety parameter of a plurality of neighborhood safety parameters; determining, by the computing device, one or more sensors associated with the desired geographic area; receiving, by the computing device in real time and from the one or more sensors, a present value for a characteristic of the first neighborhood safety parameter of the one or more neighborhood safety parameters; and generating, based on the received present value, an assessment of the first neighborhood safety parameter of the one or more neighborhood safety parameters for the desired geographic area.

Abstract: Methods and systems for communicating data with an electric vehicle are disclosed. According to some aspects, insurance risk related data associated with use of the electric vehicle may be collected and stored in one or more memories included in the electric vehicle. When the electric vehicle is connected to an electrical grid for charging a battery included in the electric vehicle, in some implementations, a power-line communication unit may transmit the insurance risk related data over the electrical grid to one or more remote computer systems. The insurance risk related data may be used by an insurer to calculate insurance rating data so that an insurance premium (or rate, discount, usage-based insurance, etc.) associated with the electric vehicle and/or its driver can be adjusted to more accurately reflect a risk of recognizable loss. The insurance risk data may be related to driving or driving behavior, and/or vehicle operation.

Abstract: Disclosed herein are system, method, and device embodiments for time-based trust token (TBTT) depreciation. In an example embodiment, a service provider system (e.g., a service provider and API service) may receive a connection request including a demographic attribute associated with a first client account from a partner device, match the demographic attribute to client information associated with the first client account, send the partner device a connection request identifier and a URL including a depreciating token, and authenticate a second client account via a login page associated with the URL.

Abstract: A system includes an insurance claim processing circuit having instructions to receive an insurance claim payment request based on an insurance claim regarding an insured entity, evaluate the insurance claim payment request, receive a work progress indicator directly from a contractor device that is operated by a contractor and not the insured entity, the work progress indicator regarding a repair of an insured object associated with the insurance claim payment request, in response to determining a claim amount in the insurance claim payment request is above a predetermined threshold, generate and provide an authorization request including a request to confirm an identity of the contractor, and in response receiving a confirmation of the identity of the contractor, cause dispersal of an amount of funds based on the insurance claim payment request to the insured entity.

Abstract: A new approach is proposed that contemplates systems and methods to support distributed electronic payment processing based on a hierarchical payment graph. Specifically, a distributed electronic payment system comprising a plurality of distributed payment engines/processors. Upon receiving an electronic payment request from a client device, each distributed payment engine of the distributed electronic payment system is configured to handle one stage of the electronic payment processing lifecycle by traversing states and edges in a portion of the hierarchical payment graph assigned to the distributed payment engine.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system.

Abstract: A computing system for electronically managing a token across multiple computer networks is described. The computing system includes a processor in communication with at least one memory device. The processor is programmed to generate a token associated with a payment account, the token having a format that simulates a format of a checking account identifier, and receive a payment request including the token, the payment request processed over a first network. The processor is also programmed to apply a set of rules to the payment request, determine that the payment request satisfies the set of rules, and convert the token into a payment account identifier using the set of rules. The processor is further programmed to transmit an authorization request message to a second network, receive authorization of the authorization request message from the second network, and provide authorization of the payment request to the first network.

Abstract: Methods, computer-readable media, software, and apparatuses may determine, for a geographic region and based on geolocation data, a plurality of sub-regions, where each sub-region of the plurality of sub-regions may include real properties with a shared profile. The system may associate, with each sub-region, a collection of coordinate pairs, where each coordinate pair comprises a latitude and a longitude, and the collection describes a boundary of a geometric shape corresponding to the sub-region. The system may associate, with the geographic region, geometric shapes corresponding to the plurality of sub-regions. The system may associate, with each geometric shape, a rating factor for the real properties located within the sub-region corresponding to the geometric shape. The system may store the geometric shapes and rating factors, and may generate, based on the rating factor and for the real properties located within the sub-region, an output, and provide the generated output.

Abstract: A computer-implemented augmented reality-based method provides a user device access to data content by processing of camera image captured by the user device to identify a candidate visual area, which are then processed to identify visual features indicative of available data content. The identified features are compared to visual features of database objects indicative of available data content, and a determination made regarding the object that corresponds to the identified features. Instructions are then generated to augment a display of the camera image with selectable image features. In response to a selection of one of the selectable image features, a determination is made regarding whether the user device has permission to access the data content associated with the selected image feature. If not, a payment settlement arrangement is implemented for the user device to gain access permission to the data content.

Abstract: Techniques are disclosed relating to determining whether geographic locations of a user computing device satisfy a location consensus threshold. A computer system receives results of a plurality of location determination operations, each of which specifies a geographic location of a computing device initiating an action. The computer system then makes a determination whether the received results satisfy a consensus threshold as to geographic location of the computing device. In some embodiments, the determination is usable to select, from a plurality of sets of rules for different geographic regions, a particular set of rules for processing the action. In some cases, the particular set of rules is usable to determine whether to process the action. Such techniques may advantageously allow a processing system to understand how to process actions initiated by a computing device associated with different geographic locations.

Abstract: Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.

Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).

Abstract: Server computers of card issuer-processors can determine a mapping of dependencies of a plurality of components of a card processing protocol and create groups of components that can be executed in parallel. The groups of the components are sequentially processed within a limited time period.

Abstract: A computer implemented method includes generating, by a processor associated with a first client computer, a request message; generating, by the processor, a first public token based on a first private token; augmenting, by the processor, the electronic data transaction request message with the first public token; transmitting, by the processor, the augmented electronic data transaction request message to a second client computer; generating, by the processor, a second public token based on the first public token; identifying, by the processor, from a database of result messages, a result message labeled with the second public token, the identified result message including encrypted confidential information; generating, by the processor, a second private token corresponding to the second public token used to identify the result message; and decrypting, by the processor, the encrypted confidential information with the second private token.

Abstract: Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller. The transaction management controller receives a transaction amount for a payment transaction from a business management engine and a payment transaction type from a point of interaction device. The transaction management controller initializes a transaction processing module that corresponds to the received payment transaction type. The transaction processing module defines payment processing parameters for processing payment transactions of the payment transaction type. One or more of the payment processing parameters are modified based on configuration data received from a remote configuration device. The transaction management controller processes the payment transaction as a function of the payment processing parameters. Other embodiments are described and claimed.

Abstract: A method is disclosed. A server computer may receive, from a client computer, a first rule comprising one or more variables, the first rule configured to predict that an event is either a first classification or a second classification. The server computer applies the first rule to an initial data set of events to identify events that are associated with the first classification. The server computer evaluates performance of the first rule. The server computer provides data relating to the performance of the first rule to the client computer. The client computer automatically evaluates the performance of the first rule and generates a second rule in response to the data relating to the performance of the first rule. The server computer may then evaluate the second rule and provide performance data to the client computer. The server computer may use equi-height histograms to evaluate the performance of the rules.

Abstract: Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.