Abstract: Embodiments provide a computer-executed method, a computer system and computer program product for facilitating a commercial transaction. The method includes transmitting computer-executable instructions to cause a representation of an item to be displayed on a consumer interface rendered on a visual display of a computing device associated with a consumer. The method also includes receiving, from the computing device, an indication of consumer input performed using the consumer interface, the consumer input associated with the representation of the item available for a commercial transaction. The method also includes receiving, from the computing device, biometric information associated with the consumer. The method also includes determining an identity of the consumer based on the biometric information and, based on the identity of the consumer, associating the consumer input with a predetermined command defined for the consumer.

Abstract: A financial transaction system providing a financial switching engine, the financial transaction system comprising: a distributed plurality of different physical data centres implemented at different respective physical locations, connected together via a private network; a plurality of plugins each configured to perform a different respective function of the financial transaction system; and an operating system on which the plugins run, the plugins being configured to communicate messages with one another in order to perform financial transactions; wherein the plugins are distributed amongst some or all of the data centres and the operating system is configured to abstract the plugins from the distributed data centres, such that the plugins communicate said messages with one another via the operating system without needing to specify particular ones of said data centres as destinations of the messages, while the operating system handles routing of the messages between the data centres over the private networ

Abstract: A disclosed system, method and computer readable storage medium includes mechanism for controlling cascade price movements in an electronic trading system. Price limits control the prices at which traders can place orders. An upper price limit prevents traders from placing orders above the upper limit and a lower price limit prevents traders from placing orders below the lower limit. The gap between the upper limit and the indicative marked price as well as the gap between lower limit and the indicative market price is controlled so as to cause a breaking effect on very rapidly changing market price.

Abstract: The Multidimensional Asset Management Tag Pivot Apparatuses, Methods and Systems (“MAMTP”) transforms iTag Creation Request and Responses, holdings selections, allocation splits, goal map selections, goal option selections, account links inputs via MAMTP components into iTag records, iTagged asset information, asset buy/sell approval, asset order, map goal add, tracking, outputs. The MAMTP includes a processor issuing instructions to obtain: an asset identifier for an asset collection from a user, and associated interest profile constraints. MAMTP also obtains an interest tag selection, obtain constituent asset collection proportion allocation information based on the interest tag selection. The MAMTP may then provide a selection mechanism for the user to specify preferences amongst any conflicting tag selections.

Abstract: Disclosed embodiments provide systems and methods related to collecting return items using an automated kiosk based on a real time risk decision. The automated kiosk captures return item information representing a return item and transmits the return item information and a request for return risk level relating to the return item to a server operable to execute a machine learning model trained on historical information to determine the risk level. The server determines the risk level based on the received return by using the machine learning model and transmits the determined risk level to the kiosk in real-time. Based on the determined risk level and a return amount associated with the return item, the server may also process a refund in real-time.

Abstract: Systems and methods for providing blockchain based paper checks (BC Checks) that may be redeemed without traditional coordination between financial institutions of participants.

Abstract: Methods, apparatus and systems for upgrading an untrusted channel to a trusted channel. In an embodiment, a verifier server computer receives a request to verify an untrusted channel address from a first service component that is associated with a Consumer identifier, retrieves a trusted channel address from a verifier database, and then generates a one-time password witness value. The verifier server computer then splits the one-time password witness value into a first portion and a second portion, and transmits the first portion to the first service component and transmits the second portion to the second service component.

Abstract: Disclosed embodiments provide systems and methods related to collecting return items using an automated kiosk based on a real time risk decision. The automated kiosk captures return item information representing a return item and transmits the return item information and a request for return risk level relating to the return item to a server operable to execute a machine learning model trained on historical information to determine the risk level. The server determines the risk level based on the received return by using the machine learning model and transmits the determined risk level to the kiosk in real-time. Based on the determined risk level and a return amount associated with the return item, the server may also process a refund in real-time.

Abstract: Systems and methods include a payer user device including a near field communication transceiver configured to facilitate communications with devices within a threshold range from the payer user device, and a digital payment application that detects a payer user device, receives a first user input regarding a selection of the payee user device and a second user input regarding an amount of funds to provide a user of the payee user device, causes a transaction request to be received by the payee user device that includes a tokenized identifier that provides a provider computing system information to identify an account associated with a user of the payer user device, and receives an indication from the provider computing system indicating that the transaction has been completed or is in process of being completed.

Abstract: A method may include: sending a first signal representing a message identifying an entity from a server computer system to a resource usage tracking server; in response to the message, receiving, from the resource usage tracking server, a second signal representing historical resource usage data for the entity; identifying a first data transfer recipient associated with the historical resource usage data for the entity by using a database of supported data transfer recipients; sending a third signal, the third signal causing a client device associated with the entity to display a selectable option for data transfer to the identified first data transfer recipient; receiving a fourth signal, the fourth signal indicating selection of the selectable option for data transfer to the identified first data transfer recipient; and in response to receiving the fourth signal, configuring an account associated with the entity based on the first data transfer recipient.

Abstract: A server and method for hosting a ledger are provided. The server includes at least one processor; at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the ledger at least to: receive, from a buyer bank, authorisation of payment from the buyer bank to a seller bank; transmit a command that triggers a payment sequence to effect payment from the buyer bank to the seller bank, in response to receipt of the authorisation of the payment; and update the ledger on progress of the payment sequence between the buyer bank and the seller bank.

Abstract: An access point switches between an access point mode and a cryptomining mode. In the access point mode, the access point provides network access for end stations using a BSSID (Basic Service Set Identifier) while in the access point mode. In surveillance mode, the access point activates a mining co-processor and collectively works on problems coordinated by a stratum mining server. Artificial intelligence can be used to determine which access points to switch modes and for how long.

Abstract: There are provided systems and methods for risk analysis for fraud detection for electronic transaction processing flows. An entity, such as a user, business, or other personal or commercial entity, may interact with another entity in order to engage in a transaction, for example, a purchase, transfer, or other transaction process. The first entity may utilize a service provider to engage in transaction processing, which may provide multiple flows that govern the features provided to the entities. Such features may include fees required for transaction processing. In order to ensure that the entities do not fraudulently choose a flow type that decreases or cancels fees due, or does not provide certain protections to other parties, a risk analysis of the transaction and the account may be executed based on accessible historical data and identifiers. Thus, the entities may automatically be entered to one flow over another based on the risk analysis.

Abstract: Methods and systems described herein may monitor, by a browser, activity of a user within a web page displayed by the browser. Based on detecting, by the browser, an attempt by the first user to perform a financial transaction with an online vendor and associated with a financial account, biometric information associated with the user may be captured by the browser. Based on the captured biometric information, the browser may determine whether the first user is authorized to perform financial transactions with the online vendor and associated with the financial account. Based on a determination that the user is not authorized to perform the financial transaction, the browser may modify at least one element of the webpage to block the user from performing the financial transaction with the online vendor.

Abstract: A method, system and computer program product automate support for an Internet of Things (IoT) device by a trusted agent. The system includes a mobile wallet executed by a user device that effects execution of a financial transaction with a third party system for an IoT device. A device interface receives a unique identifier associated with the IoT device. A network interface accesses support information associated with the unique identifier of the IoT device. A secure storage used by the mobile wallet stores the unique identifier and support information. A support operation engine executes a support operation for the IoT device based on the unique identifier and support information in the secure storage accessed by the mobile wallet.

Abstract: Systems, apparatus, and methods for managing an application installed on a mobile device, such as a mobile phone are provided, so as to prevent or limit unauthorized use of the application, for example, when the mobile device is lost, stolen, or otherwise subject to unauthorized use. A request to enable or disable user access to a function of the application can be received by a server computer. A command message responsive to the request can be generated by the server computer, the command message comprising control data for enabling or disabling user access to the function of the application. The generated command message can be transmitted to the mobile device over a wireless network.

Abstract: Provided is a first mobile device having a card shape, the first mobile device including a storage unit configured to store one or more pieces of card payment information; a payment information transmission unit configured to transmit at least one of the one or more pieces of card payment information in a contact or contactless manner to a payment terminal; and a controller configured to determine whether the first mobile device is in a detached state with respect to a second mobile device or a cover of the second mobile device, and to determine whether to transmit the at least one of the one or more pieces of card payment information, based on the determination of whether the first mobile device is in the detached state.

Abstract: In an embodiment, a method performed in the computing system comprises steps of (a) electronically receiving an identifier concerning an investor's ownership or management of at least one brokerage account or at least one security; (b) electronically validating by the computing system the investor by querying a record database using the identifier to obtain an information from at least one investment account associated with the investor; (c) electronically extracting by the computing system the information; (d) electronically populating by the computing system a profile for the investor with the extracted information and electronically storing the extracted information to a computer readable medium in a profile database, wherein the extracted information comprises at least the investor's positional information; (e) electronically providing by the computing system at least one capability to the investor, wherein the capability allows the investor to electronically perform one or more activities; and (f) electr

Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.

Abstract: Systems and methods are disclosed for a distributed trading system. The preferred invention offer solutions to problems that arise with High-Frequency Trading and the future of stock market regulation. The use of a distributed object brokered interface to facilitate transactions not only makes the trading faster but also more secure.