Abstract: The invention provides a voting system based on smart mobile communication devices. It comprises at least one smart mobile communication device, at least one server device, a client module, and a server module. The client module is installed on the smart mobile communication device and it is used for temporarily saving the voter's information, submitting identity verification request, showing voting inquiries, and submitting votes. The server module is installed on the server device and it is used for storing the voter's information, verifying the voter's registration and identity, issuing and verifying the voting certificate, creating and publishing the voting affair, and calculating and publishing the voting contents statistics. The client module and the server module perform digital communications through a mobile communication network. The invention also provides a voting method based on smart mobile communication device. According to this invention, voting can be safe, convenient and fast.

Abstract: The invention provides systems and methods for identifying fraud in an ATM transaction and in other financial processing environments. The system, tangibly embodied in the form of a computer processer includes a profile database, a filter processing portion, a scoring engine, and an authorization processing portion. The profile database contains card profiles and ATM profiles. The filter processing portion inputs transaction data generated from a requested ATM transaction. The filter processing portion includes a plurality of filters that filter high risk transactions, and outputs customer related data and ATM related data to the profile database. The scoring engine assesses risk of the high risk transaction based on attributes of the transaction, data in at least one card profile, and data in at least one ATM profile. The authorization processing portion determines whether the requested transaction should be approved or declined based on the fraud score and transaction data.

Abstract: To determine a treatment facility for repairing a damaged vehicle, a display allows a user to select from several treatment facilities assigned to the same treatment complexity level category as the damaged vehicle. The display may also include availability information for each treatment facility, an estimated amount of time for completing the treatment, and/or an estimated cost of repair. Once the user selects a treatment facility for performing the treatment, a request to transport the damaged vehicle to the treatment facility may be sent to the selected treatment facility or to a vehicle transporter.

Abstract: Disclosed is a system and associated method of using a customer's mobile device as an online banking remote control for another customer device. The system typically includes a processor, a memory, and an online banking module stored in the memory. The module is typically configured for (i) associating the mobile device with the customer's online banking account and (ii) binding the mobile device to another computing device. In addition, the module is typically configured for subsequently receiving a remote access command associated with the customer's online banking account and associated with the computing device from the mobile device. The remote access of the computing device to the customer's online banking account can then be modified based on the remote access command and determining that (i) the mobile device is associated with the customer's online banking account and (ii) the mobile device is bound to the computing device.

Abstract: Methods and systems are provided for facilitating shopping for products that have been liked to a social media network. A product can be seen on a merchant's website, for example. The product can be liked by user to the social media website. When the same or a different user subsequently sees the liked product on the social media website, the same or different user can purchase the product from the social media website. Thus, the user is not required to visit the merchant's website to perform the purchase transaction. Upon completion of the purchase, the user can be allowed to leave feedback to rate the item according to a predefined scale, which can be visible to all those who view the item, as exhibited by a vendor on the social media platform.

Abstract: According to some embodiments, a system comprises a plurality of data centers communicatively coupled by a network. The data centers include an assigned data center and a second data center. The assigned data center receives a request for a session, determines the session passes authentication, and communicates session information to the second data center indicating the session passes authentication. The assigned data center also receives a first message comprising a first portion of transaction information and communicates synchronization data for replicating the first portion of transaction information at the second data center. The second data center receives a second message comprising a second portion of transaction information. The system facilitates a financial transaction in real-time based on the first portion and the second portion of transaction information.

Abstract: Method, systems, and apparatus for receiving the email message from a sender device; identifying, using data processing apparatus of a payment service system, a sender email address, a service email address, and one or more recipient email addresses from the email message; identifying, for the sender email address, a sender financial account associated with the payment service system and, for each of the one or more recipient email addresses, a respective recipient financial account associated with the payment service system; identifying a payment amount from a subject or body of the email message; submitting a request to transfer, using the payment service system, the payment amount from the respective sender financial account to the respective recipient financial account.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing an offline mobile banking system. An exemplary apparatus is configured to: provide, at a mobile device, a transaction request, determine a connection is not established between the mobile device and a device associated with the financial institution, store the transaction request in response to determining a connection has not been established, establish a connection between the mobile device and a server associated with the financial institution, and communicate the stored transaction request from the mobile device to a device associated with the financial institution.

Abstract: A computer-implemented method for extending a payment network via a rapidly deployable telecommunications (RDT) network is provided. The method is implemented using a computer device coupled to a memory device. The method includes pre-assembling a network kit including a plurality of networking components for deploying at least a portion of an RDT network, determining a storage location for the network kit, determining a stock count of network kits, storing a number of network kits in the storage location equal to the stock count, and processing a request for one of the network kits stored within the storage location.

Abstract: A physical-quantity receiving device includes: a receiving section that receives a predetermined physical quantity from a physical-quantity supplying device; a notification section that provides a user with a notification that the user is under obligation to make payment for the received physical quantity; an input section that receives a user's input that indicates whether to receive the physical quantity; a display section that displays the notification from the notification section and the user's input to the input section; and a payment section that makes payment for the physical quantity per a unit time by electronic money after a lapse of the unit time, or makes payment for a unit physical quantity by electronic money after receipt of the unit physical quantity.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account.

Abstract: A method, system, and computer program product for electronic delivery of regulated shareholder communications to registered electronic mail client accounts. A signed regulated shareholder communication electronic mail is generated by a proxy platform server computer and the electronic mail is transmitted to an electronic mail address inbox of a client computer. An active content associated with the shareholder communication is delivered by the proxy platform server computer when the shareholder communication is opened by a user on the client computer. The user is authenticated by the proxy platform server computer. A voting ballot is delivered by the platform server computer to the authenticated user's opened shareholder communication. The ballot votes submitted from the opened shareholder communication by the user are recorded in a proxy platform server computer voting database.

Abstract: A method is provided for multiplexing messages exchanged between a payment terminal and a communication terminal via a connection between the payment terminal and the communication terminal using the iPod Accessory Protocol, iAP. The method includes: an initialization step of initializing an external communication interface with the communication terminal, a first transmission step of transmitting, to the communication terminal, a request for creation of remote virtual channels via the external communication interface; a creation step of creating, within the payment terminal, local virtual channels corresponding to the remote virtual channels; and a second transmission step of transmitting data frames associated with the local virtual channels via the external communication interface.

Abstract: The disclosure herein provides system, methods, and devices for generating debit cards. A debit card system for creating a plurality of debit cards comprises a debit card printer, a batch creation engine, a payment batches database, a deposit management engine, and a distribution engine, wherein the debit card printer comprises an imprinting mechanism, a magnetic strip writer, and a computer network interface. In an embodiment, the distribution engine is further configured to initiate creation of an alternate account on behalf of a recipient related to a debit card that is not activated within a predetermined amount of time, and to transmit to a deposit processing system instructions to enable a deposit into the alternate account of funds equal to a recipient payment amount.

Abstract: Local shipping addresses in a first country are assigned to a plurality of consumers having physical addresses in at least one country other than the first country. A request is obtained, from an e-commerce retailer, for a corresponding one of the local shipping addresses. Product information, an indication of a desired form of shipping from the e-commerce retailer to the corresponding one of the local shipping addresses, and an indication of a desired form of shipping from the corresponding one of the local shipping addresses to a corresponding one of the physical addresses in the at least one country other than the first country are obtained. An indication of an estimated fully landed cost associated with the on-line shopping session is dispatched.

Abstract: A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution with a reward payment amount. The method includes providing enrollment in a mortgage matching system to eligible mortgage customers, wherein eligibility requirements include the requirement that eligible mortgage customers hold both a mortgage account and a checking account with the financial institution. The method additionally includes enabling the customer to make periodic mortgage payments from the checking account to the mortgage account and monitoring continued compliance with the eligibility requirements and submission of the periodic payments using a monitoring engine implemented by at least one computer processor.

Abstract: A method, computer program product, and computer system for identifying, by a computing device, one or more portfolio assets in a portfolio. One or more asset characteristics are associated with at least a portion of the one or more portfolio assets. A group that includes at least the portion of the one or more portfolio assets and one or more corresponding model components is generated based upon, at least in part, the one or more asset characteristics. The group is rebalanced based upon, at least in part, one or more values of at least the portion of the one or more portfolio assets and one or more values of the one or more corresponding model components.

Abstract: One or more aspects comprise: (a) receiving confidential information that comprises data regarding first and second market participants; (b) receiving order and targeting parameters from said first participant; (c) receiving confidential trading interest information from said second participant; (d) identifying said second participant as a participant likely to take a contra side of said order; (e) routing said order to said second participant without revealing said first participant's identity or other confidential information regarding said first market participant, and wherein no information regarding said second participant or said confidential trading interest information received from said second participant is transferred to said first participant; and (f) producing a targeted dissemination list of market participants based on said confidential information and said order and targeting parameters, and wherein identifying a second participant that is most likely to take a contra side of said order is bas

Abstract: Methods for generating risk demand indices are provided. In various embodiments, the methods may include selecting a plurality of sub-index modules, wherein generation of each sub-index module involves comparing at least one financial index representative of at least one risky asset to at least one other financial index representative of at least one non-risky asset. The methods may further include combining the selected sub-index modules to calculate the risk demand indices.