Abstract: A flexible advance system allows users to request and receive advances instantly. The flexible advance system facilitates intra-system transfers between a third-party entity and employee accounts at a third-party system by generating and providing funding instructions to the third-party entity. Funding instructions include a funding amount that the flexible advance system predicts using one or more machine-learned models that account for seasonality and time delays. In executing the instructions from the flexible advance system, the third-party entity transfers funds to its entity account with the third-party system based on the funding amount. Once the flexible advance system receives an indication that the third-party entity has executed the instructions, the flexible advance system authorizes users of the flexible advance system to request short-term advances.

Abstract: The present disclosure provides a code scanning method, a code scanning device and a mobile terminal. When the mobile terminal is in a power-on state, a camera of the mobile terminal is normally on. The method includes: capturing an image with the camera, and identifying a captured target image; when identifying that the target image has an image feature of a preset graphic identification code, acquiring a target graphic identification code in the target image; decoding the target graphic identification code to obtain an access link corresponding to the target graphic identification code; and running a target application corresponding to the access link, and displaying an access interface corresponding to the access link.

Abstract: An instruction to generate target information is received by a server and from a first user. The instruction includes two or more pieces of user identity information associated with two or more different users. The two or more pieces of user identity information are combined, by the server and in a predetermined method, into continuous text information. The two or more pieces of user identity information in the continuous text information are separated by one or more separation strings. The target information is generated, by the server, based on at least a predetermined algorithm and the continuous text information.

Abstract: Various examples are directed to systems and methods for securely sending and using proxy element in a mobile wallet system. Through a user interface associated with a proxy originator wallet, user input may be received that defines the parameters of the proxy element. The parameters may include one or more of a spending limit, a time duration, a use number condition, and a transfer condition, and a product condition. A request may be sent from the proxy originator wallet to a proxy approver system to create the proxy element. The originator wallet may receive a proxy grant acknowledgement from the proxy approver system. The grant acknowledgement may instructions for obtaining credentials for the proxy element. The proxy element including the parameters and the instructions for obtaining credentials may be sent to a mobile wallet of a recipient. The recipient mobile wallet may use the proxy element for payment or non-payment transactions.

Abstract: A computing system retrieves a credit check algorithm. The credit check algorithm utilizes one or more parameters for evaluation of a credit score of an individual. The computing system identifies a plurality of entities contributing parameters for the evaluation of the credit score of the individual. The computing system compiles the credit check algorithm into a plurality of components. Each component corresponds to a respective entity of the plurality of entities and each component generates an output unique to the respective entity. The computing system transmits each component to a respective entity of the plurality of entities. The computing system instructs each entity to share a respective output with each remaining entity. The computing system receives a credit score for the individual from each of the plurality of entities. Each credit score received from each entity is the same.

Abstract: Systems and methods for account agnostic transaction routing are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for account agnostic transaction routing may include: (1) receiving an identifier for a first financial instrument for a transaction being conducted at a point of transaction; (2) retrieving a plurality of financial instruments associated with the identifier, the plurality of financial instruments comprising the first financial instrument; (3) retrieving at least one transaction routing rule associated with the plurality of financial instruments, the transaction routing rule specifying a condition for using one of the plurality of financial instruments; (4) identifying one of the plurality of financial instruments for conducting the transaction based on the transaction and the transaction routing rule; and (5) settling the transaction with the identified financial instrument.

Abstract: System and methods for distributed ledger-based floorplanning are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor and a distributed ledger system, a method for distributed ledger-based floorplanning may include: (1) receiving, at the distributed ledger system, an identifier for a trackable resource and resource status data for the trackable resource; (2) writing the identifier and the resource status data to a distributed ledger; (3) receiving, at the distributed ledger, an update to the resource status data for the trackable resource; (4) writing the update to the distributed ledger; and (5) executing a smart contract based on the update to the resource status data.

Abstract: Systems and methods involving computer-based processing for proactively reducing false-positive fraud detection incidents are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: detecting when a subject online transaction matches criteria indicating it is unusual; operating a browser extension application to obtain UI image data and purchase details of an item purchased by a user during the unusual online transaction; evaluating historical transactions of the user to identify a potentially fraudulent online transaction; and executing a false-positive detection routine to determine if the potentially fraudulent online transaction is valid.

Abstract: Systems and methods for touchless alternate payment provider selection at kiosks or payment terminals using mobile electronic devices are disclosed. In one embodiment, at a cloud-based information processing apparatus comprising at least one computer processor, a method for touchless alternate payment provider selection at a payment terminal using a mobile electronic device may include: (1) receiving, from a mobile electronic device and at a uniform resource locator, a communication comprising an identifier for a kiosk or a payment terminal; (2) retrieving an alternate payment provider selection menu; (3) communicating the alternate payment provider selection menu to the mobile electronic device; (4) receiving an alternate payment provider selection from the mobile electronic device; and (5) communicating the alternate payment provider selection to the kiosk or the payment terminal.

Abstract: A system may include a processor that may receive an indication of an amount of funds deposited into an account, convert the amount of funds into a number of tokens using a multiplier, and generate a visualization representative of a growth rate of the number of tokens over a period of based on an interest rate. The interest rate may be defined by a user with supervisor authority over the account. The processor may then display the visualization via an electronic display and periodically transfer an additional amount of funds from an additional account associated with the user to the account in response to the amount of funds remaining in the account after a period of time.

Abstract: A clearinghouse computing device may be configured to generate a margin requirement for a portfolio of financial products and may include a processor to process instructions that cause the clearinghouse computing device to retrieve a plurality of pricing records from a historical pricing database, process the plurality of pricing records to generate rolling time series pricing records for at least one financial product having a plurality of dimensions, reduce the number of dimensions from a starting dimension to a reduced dimension, perform variance scaling and correlation scaling on the reduced dimension rolling time series pricing records, and generate a margin requirement based on a value-at-risk calculation.

Abstract: In one embodiment, a method includes associating, by a payment service and in a datastore maintained by the payment service, interactions with a matrix barcode with an action by the payment service involving a first account associated with a first user of the payment service. The matrix barcode corresponds to a claimable token stored in the datastore. The method includes receiving, by the payment service and from a computing device of a second user of the payment service, an indication that the computing device has interacted with the matrix barcode corresponding to the claimable token. The method includes identifying, by the payment service via the datastore, the claimable token associated with the matrix barcode. The method includes initiating, by the payment service and based on the claimable token, the associated action involving the first account.

Abstract: Embodiments provide methods and systems for reading a Quick Response (QR) code displayed in a user device of a user for facilitating a payment transaction. The method includes facilitating display of the QR code on a display screen of the user device. The QR code includes at least a payment related information for a payment transaction. The method also includes initializing a QR capture mode in the user device for capturing the QR code using a capture overlay frame. The method includes reading the QR code within the capture overlay frame to extract the payment related information. The method further includes facilitating the payment transaction based at least on the payment related information extracted by reading the QR code.

Abstract: A method of controlling transaction velocity limits including: generating a transaction control criterion associated with a parameter; receiving a transaction message associated with a transaction request; analyzing the data associated with the parameter with respect to the transaction control criterion associated with the parameter; automatically generating and communicating at least one of: a processing request message associated with the transaction request if data associated with the at least one parameter in the transaction message does not satisfy the transaction control criterion associated with the at least one parameter, and a rejection response message if data associated with the at least one parameter in the transaction message does satisfy the transaction control criterion associated with the at least one parameter; and generating update data associated with the parameter. A system and computer program product for controlling transaction velocity limits is also disclosed.

Abstract: Methods and systems for processing insurance policies associated with properties may be provided. A property may be populated with a plurality of smart devices or devices that are connected to a central controller, such as via wired or wireless communication, whereby the plurality of devices are covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may receive identifications for the devices, and may update an inventory list to include the plurality of devices. A total market value of the devices may be calculated, and the central controller may estimate any modification to the insurance policy based upon the total market value. The controller may facilitate the modification to the insurance policy with a customer and an insurance provider. The smart devices may be, or be associated with, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.

Abstract: Systems, 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. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.

Abstract: Techniques are provided for fraud mitigation using enhanced spatial features. One method comprises obtaining transaction data associated with a transaction; obtaining a machine learning module trained using training transaction data for multiple geographic areas to learn a correlation of the training transaction data with fraudulent activity for each geographic area; extracting a transaction address from the transaction data; determining a given geographic area for the transaction using the transaction address; determining values for a predefined spatial feature for a predefined region that includes the transaction address in the given geographic area using a query of an external online data source; applying the determined values for the predefined spatial feature to the machine learning module to obtain an anomaly score for the transaction; and initiating a predefined remedial step and/or a predefined mitigation step when the transaction is determined to be a predefined anomaly based on the anomaly score.

Abstract: Various embodiments are generally directed to techniques to perform transaction with transaction cards utilizing characteristics of customer's signature. Techniques may further include determining characteristics of a signature including a reduced set of data points for the signature and storing the characteristics in secure memory of transaction card. The transaction card including the characteristics are used to perform transactions, such as those performed at Point-of-Sale (POS) terminals.

Abstract: A business data processing method includes: step S1: extracting domestic business sample data; step S2: selecting a sample data set S by training a model; step S3: extracting overseas business sample data; step S4: merging the data set S and a data set T to obtain a data set A; step S5: setting an initial sample weight; step S6: setting a variable for a quantity of iterations; step S7: training the model based on a current weight to obtain a model At; step S8: calculating a loss et of the model At in the data set T; step S9: caching the model At and the loss et; step S10: updating a sample weight; step S11: updating the quantity of iterations t=t+1; step S12: determining whether a termination condition is met; and step S13: when the termination condition is met, determining a final model.

Abstract: An API management device includes: a reception unit configured to receive a selection of a charging condition when using an API; a receiver configured to receive a request for the API from the application; a transmitter configured to transmit a response according to the request to the application; and a history storage configured to store a history of the request for the API and the response for each of the applications that use the API. A charging management device includes: a charging condition storage configured to store the charging condition received by the reception unit for each of the applications that use the API when using the API; an acquisition unit configured to acquire information on the history from the history storage; and a determination unit configured to determine a charge value for the application that uses the API based on the charging condition and the information on the history.