Abstract: The present disclosure relates to methods and systems for integrating disparate data feeds and providing unified data monitoring to identify entities and/or transactions associated with the data for further investigation. Embodiments provide a system including at least one data feed with data having a first structure, and a common data layer configured to map the data to a common data model specifying a second structure common within the system. The system also includes a factor component configured to define a plurality of Factors and their inter-dependencies for deriving information from the mapped data, a model repository to run a selected set of Factors against a selected set of mapped data, according to a specified Model to identify data in the mapped data to evaluate, and to generate an alert based on Model parameters applied to the identified data, and an alert component to format the alert for external consumption.

Abstract: A merchant website automatically detects whether a customer device has a registered payment application; if so, the website generates a custom protocol message that is triggered on checkout to initiate payment via the payment application. Details of the transaction are passed to the payment application via a payment server so that the user can authorize the transaction within the payment application.

Abstract: A driving accident simulation, having a virtual- or augmented-reality user interface, may be used to inform a driver of the driver's potential liability under different insurance options. The simulation may determine damages caused by the simulated accident, and identify multiple insurance options and the resulting user liability under each option. The simulation may also be used to assess an insurance adjuster's ability to estimate damages from an accident, by receiving the adjuster's estimate and comparing it to the simulation's own estimate of damages. In some embodiments, the simulation may present a driver with a simulated view from a point of view of another party to the simulated accident.

Abstract: The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.

Abstract: A system, method, computing device, and storage medium for blockchain-based data processing. The method comprises: obtaining, from a blockchain node, case information associated with cases; receiving a request for reviewing a target case, the request comprising identity information of a user and identification information of the target case; identifying target case case information from the case information based on the identification information of the target case; determining members satisfying conditions for reviewing the target case based on the identity information of the user and the target case case information; providing a review channel for reviewing the target case to each of computing devices respectively associated with one or more of the determined members; receiving, from the computing devices associated with the one or more of the determined members, case review data generated from review of the target case; and uploading the case review data to the blockchain node.

Abstract: An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.

Abstract: An authentication server computing device is provided. The authentication server computing device is configured to receive a transaction request from an audio interface device, generate a first audio file including a first audio transmission, wherein the first audio transmission includes a primary security artifact and at least one secondary security artifact and the primary security artifact is an encoding of a one-time password, store a reference data file including the first audio transmission, transmit the first audio file to a verified user computing device associated with the account identifier, receive a second audio file from the audio interface device, wherein the second audio file includes a second audio transmission, verify the second audio transmission by comparing the second audio transmission to the reference data file including the primary security artifact and the at least one secondary security artifact, and authorize the transaction based on verifying the second audio transmission.

Abstract: Methods of verifying an onboard presence of a passenger of a transportation vehicle are provided. A method of verifying an onboard presence of a passenger of a transportation vehicle includes generating, via a wireless electronic device of the passenger while on board the transportation vehicle, different first and second data indicating the onboard presence of the passenger. Moreover, the method includes transmitting the different first and second data indicating the onboard presence of the passenger from the wireless electronic device to a server. Related wireless electronic devices, servers, and computer program products are also provided.

Abstract: A method, computer program product, and system performing a method that includes a processor(s) obtaining a digital document defining insurance parameters for utilization by a user of a portion of computing resources selected from a group of computing resources comprising the shared computing environment. The processor(s) generates, based on the digital document, parameters defining the portion of the computing resources and risk management rules reflecting guaranteed thresholds for utilization and performance of the portion of the computing resources defined in the digital document. The processor(s) configures a controller in the shared computing environment, based on the parameters and the risk management rules and obtains a notification of a failure in the portion of the computing resources in violation of the risk management rules and details of the failure to determine the extent and impact of the failure. The processor(s) automatically generates a claim package and transmits it to the administrator.

Abstract: Techniques for optimizing capital loan offers for merchants to maximize a potential benefit of the capital loans to the merchants. A service provider may receive merchant data and/or transaction data from a merchant. The service provider may determine merchant characteristics associated with the merchant based on the merchant data and/or transaction data. The service provider may associate the merchant with a merchant group, based on the merchant characteristics. The service provider may access data corresponding to capital loans previously offered to and/or accepted by merchants in the merchant group, to determine predictive factors of successful loans. Based on the predictive factors, the service provider may generate a capital loan for the merchant with a high probability of positive impact on a merchant business. The service provider may transmit a capital loan oiler to the merchant at a time determined to maximize acceptance and optimize a growth of the merchant business.

Abstract: Systems and method for recording voice/audio during a trade activity. The system includes a trader device, a domain name server (DNS), and one or more voice recorders. A trade request to conduct the trade activity in a regional location is accessed via the system. The trade request includes trader DNS information based on the trader device for identifying the location of the trader in the regional location. The system identifies the trader, and one or more trade locations where the trader is authorized to trade, and generates a recording request upon determining that trades in the regional location are authorized. The generated recording request includes a single URL as the default recorder DNS information. The system further identifies a regional recording device in the regional location based on the trader DNS information and a trade rule, and updates the single URL based on the regional recording device DNS information.

Abstract: Methods and systems for monitoring use, determining risk, and recommending usage levels of one or more autonomous (and/or semi-autonomous) operation features of a vehicle are provided. According to certain aspects, operating data from sensors within the vehicle may be used to determine risks associated with use of the features, which may include use at particular levels or with certain settings. The operating data may further be used to determine optimal or suggested use levels for the features. When the actual and suggested use levels differ, an alert may be generated and presented to the vehicle operator indicating suggested changes. The vehicle operator may then change the use levels or select an option to change the usage to the suggested use levels. The response of the vehicle operator may be used to determine or adjust aspects of an insurance policy associated with the vehicle.

Abstract: Certain embodiments provide systems, methods, and apparatus for trading in a distributed server architecture. An example method includes receiving, by a computing device, a definition for a trading strategy, wherein the trading strategy includes a first tradeable object and a second tradeable object. The example method includes selecting, by the computing device, a first server to process one or more trade orders for the first tradeable object and a second server to process one or more trade orders for the second tradeable object. The example method includes sending, by the computing device, the definition for the trading strategy to the first server and the second server.

Abstract: A server for processing a card-not-present transaction is described. The server comprises at least a computer processor and a data storage device, the data storage device comprising instructions operative by the processor to: (i) receive a transaction authorization request, where the transaction authorization request comprises an indication of a payment card number and a delivery address used in the card-not-present transaction; (ii) retrieve, from a database, a registered address associated with the indication of the payment card number, the database being operatively connected to the server; (iii) compare the delivery address with the registered address; and (iv) generate a transaction authorization response based on a result of the comparison, where the transaction authorization response comprises an indication that the card-not-present transaction is to proceed if the delivery address matches the registered address.

Abstract: The risk analysis system according to the present invention includes: a storage apparatus which stores subject data including information related to health of a subject; an analyzer which analyzes a risk related to the health of the subject based on the subject data acquired from the storage apparatus; and an output apparatus which outputs an analysis result by the analyzer. The analyzer has: a risk estimating unit which estimates an event onset risk of the subject based on the subject data; and a medical expense predicting unit which predicts future medical expenses, which are medical expenses to be incurred in the future by the subject, based on the event onset risk estimated by the risk estimating unit and the subject data.

Abstract: Various embodiments generally relate to generating and scheduling transactions in advance. More specifically, various embodiments relate to receiving a request for a transaction from a user device; processing the transaction, where the transaction requires some user interaction at a point of transaction to complete the transaction; identifying a location for completion of the transaction; determining possible points of transaction within a predetermined distance of the identified location; displaying the possible points of transaction; receiving a selection of one of the possible points of transaction; generating a unique identifier for the transaction based on the selected point of transaction; and sending the unique identifier for presentation at the selected point of transaction, where the unique identifier is used to complete the transaction.

Abstract: A computer-implemented system and method for processing an electronic payment that is initiated in response to a primary financial transaction between a first entity and a second entity. A computer is configured to receive electronic digital information relating to a primary financial transaction between the first entity and the second entity. A non-transitory computer readable electronic storage medium in operable communication with said computer is configured to store at least one customizable business rule associated with the electronic digital information, wherein the at least one customizable business rule includes a merchant loyalty reward. A transaction processor is in operable communication with at least one of the computer and electronic storage medium that is configured to determine all products purchased by the first entity from the electronic digital information; and determine, based on the electronic digital information, whether the merchant loyalty reward business rule applies.

Abstract: Methods, systems and apparatuses, including computer programs encoded on computer storage media, are described herein to management transactions relating to loans and securities via a distributed ledger. The platform may allow for authorized users to create, validate, and monitor payments, contractual terms, and lender/borrower obligations, and may permanently record all validated transactions to the distributed ledger.

Abstract: A payment card security system includes a payment card provider account system communicatively coupled to a payment card transaction device and a mobile device. The payment card transaction device sends an indication that a payment card is being used to perform a transaction. The payment card provider account system includes processors that receive the indication that the payment card is being used to perform the transaction from the payment card transaction device. The processors also send a notification indicating that the payment card is being used to perform the transaction. The processors further enable authorization of the transaction via the mobile device. In this manner, the payment card security system may prevent or reduce the occurrence of suspicious transactions as they are occurring, rather than waiting until after they have occurred.

Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.