Abstract: The invention relates to creating a secure, decentralized, cloud-based network or physical/virtual infrastructure that enables the payments industry to redefine payment processing and information sharing. The innovative network addresses key pain points by reducing payment delays and touch points, realizing faster and comprehensive payment tracking, real-time sanctions, AML and fraud management tools.

Abstract: A network node includes at least one processor, at least one memory, and at least one network interface. The network node is configured to be within a plurality of network nodes communicatively coupled in a peer-to-peer network of network nodes implementing a distributed ledger. The network node is configured to be communicatively coupled to at least one remotely located computing device through the at least one network interface. The at least one processor is configured to determine a split ratio for a new split of security tokens held in at least one address of the distributed ledger. The at least one processor is also configured to store an indication of the split ratio without updating token balances for all of the at least one address in a list of addresses holding at least one of the security tokens.

Abstract: A system may include a vehicle system configured to monitor one or more monitor variables related to a vehicle. The system may also include a processor that may receive a selection of the one or more monitor variables to monitor and receive data from the vehicle system. The data may be limited based on the selection of the one or more monitor variables. The processor may then determine a fixed rate premium for at least two years based on the data and display a visualization that may include the fixed rate premium on a display.

Abstract: A system may include a field programmable gate array (FPGA) based gateway comprising: a network interface configured to receive data packets containing proposed transactions, and validation logic circuitry configured to validate one or more headers or application-layer of the data packets in accordance with filter rules. The system may also include an FPGA based router comprising: a network interface configured to receive the data packets from the gateway, and parsing and lookup circuitry configured to compare the header field or application-layer field values in the data packets to those in a forwarding table. The system may also include an FPGA based matching engine comprising: a network interface configured to receive the data packets from the router, transaction validation circuitry configured to validate the proposed transactions based on information from state memory and policies, and matching algorithm circuitry configured to match pair of proposed transactions according to pre-determined criteria.

Abstract: A method including training a machine-learning model, based on historical data, with a maximization problem and one or more minimization problems to improve one or more fairness metrics. The method also can include receiving real-time data. The method additionally can include generating a risk score based on the machine-learning model, as trained, and the real-time data. Other embodiments are described.

Abstract: A system for audibly conveying financial information includes at least one processor operatively coupled to a data source via a network, and configured to receive at least one user-selected musical parameter, as well as financial data from the data source associated with a financial asset. The financial data includes a variable parameter which varies over a time period. The at least one processor is further configured to determine, for a plurality of values of the variable parameter during the time period, a plurality of musical notes based on the plurality of values of the variable parameter and the user-selected musical parameter, and to generate audio data associated with the plurality of musical notes. The generated audio data is processable by a device to audibly produce the plurality of musical notes.

Abstract: A method of deriving a financial conscientiousness score from visual choices, using a machine learning model that is trained at a server is provided. The method includes (i) obtaining visual selection as an input from the user that is selected from one or more different visual choices that are displayed to the user, (ii) determining trait scores for a subset of traits based on the points that are attributed to the visual choices, (iii) training, a machine learning model by correlating the trait scores for the subset of traits with a previous credit history or a loan repayment record of the user to obtain a trained machine learning model, and (iv) determining, using the trained machine learning model, a financial conscientiousness score based on the trait scores for the subset of traits.

Abstract: In some implementations, a credit decision platform may receive a credit request from an applicant and obtain domestic historical data associated with the applicant from a credit bureau device. The credit decision platform may obtain access to an email account associated with the applicant based on determining that the domestic historical data associated with the applicant is insufficient to process the credit request. The credit decision platform may identify, using one or more machine learning models, a set of email messages included in the email account that are relevant to the credit request and may analyze content included in the set of email messages to generate non-domestic historical data associated with the applicant. The credit decision platform may generate a decision on the credit request based on an estimated creditworthiness of the applicant, which may be determined based on the non-domestic historical data.

Abstract: A delivery server includes a processor including hardware, the processor being configured to: transmit arrival information of a product to a user terminal carried by a user who has ordered the product; transmit, in a case where unattended delivery is instructed by the user terminal, unattended delivery information to a home delivery terminal of a delivery person who delivers the product, and request a signature of the user; transmit the signature information to the home delivery terminal in response to receiving signature information regarding the signature of the user from the user terminal; and transmit delivery completion information of the product to the user terminal.

Abstract: Methods and systems for maintaining and building an autonomous vehicle-related event blockchain are provided. One or more processors may receive indications of autonomous vehicle events. The autonomous vehicle events may include information relating to technology usage and/or operational events. The autonomous vehicle events may be compiled into a log of recorded autonomous vehicle events. Based upon the autonomous vehicle events, an action to implement may be determined. Additionally, the log may be distributed to a public or private network of distributed nodes to form a consensus on an update to the log of record autonomous vehicle events. As a result, the distributed nodes may maintain an up-to-date record of the shared ledger of autonomous vehicle events.

Abstract: A system and method are provided for implementing an electronic exchange-based transaction message policy. One example method includes defining a message usage threshold to be used in relation to a client entity that utilizes one or more trading strategies and sends transaction messages to an electronic exchange. The method further includes dynamically monitoring the message usage at the client entity and comparing it to the defined message usage threshold. If the message usage exceeds the threshold limit, the method includes adjusting one or more trading strategies at the client entity in attempt to not violating the exchange-based transaction message policy.

Abstract: Systems and apparatus for processing a trade order include a computer configured for receiving market data for a financial asset, receiving pricing parameters and receiving proposed order quantity and price data. The computer is further configured for constructing proposed trades based on the proposed order quantity and price data, and for calculating a theoretical price for the financial asset based on the market data, pricing parameters as well as the proposed order price data. In addition, the computer is configured for comparing the constructed trades with the theoretical price, and displaying market data indicators relative to the theoretical price indicators based on the comparison.

Abstract: An aerospace commerce exchange system may include a network, a plurality of clients operably coupled to the network, and an aerospace commerce exchange platform operably coupled to the network to provide exchange services to the clients. At least one of the clients may be operably coupled to the aerospace commerce exchange platform via an air-to-ground wireless communication link or satellite link (or other links with which an aircraft may be associated) to provide or receive data associated with at least one of the exchange services.

Abstract: Prescreened electronic programs or products that are automatically determined for a specific potential entity based on characteristics and/or geographic location, then can be automatically ranked based on calculated expected values of respective programs or products. The ranked programs or products are digitally/electronically presented in an interactive graphical user interface to the specific entity for digital selection and application.

Abstract: In one embodiment, a method includes, by one or more computing devices associated with a payment service (PS), assigning a first payment card number of a first plurality of payment card numbers to an account of a user, wherein the first plurality of payment card numbers is issued from a first issuer processor. The PS detecting an event affecting the use of the first payment card in a transaction. The PS, in response to detecting the event, accessing a second plurality of payment card numbers issued from a second issuer processor and assigning a second payment card number of the second plurality of payment card numbers to the account of the user. The PS receiving an indication that a status of the event has changed. The PS, in response to receiving the indication, automatically enabling, the first payment card number for use in transactions for the account of the user.

Abstract: Disclosed are various embodiments for performing user account migration between platforms. In one embodiment, a client device is configured to obtain an update to a first application. The update causes the client device to obtain a second application. A first user account on a first platform associated with the first application is migrated to a second user account on a second platform associated with the second application. The client device launches the second application for access to the second user account after the first application is launched.

Abstract: A system for generating video content may include a bank database that has a first set of data associated with an account status of an individual. The system may also include a credit provider database that includes a second set of data associated with a credit status of the individual and at least one processor. At least one processor may receive an indication that the credit status of the individual has changed, retrieve the first set of data from the bank database and the second set of data from the credit provider database, generate a personalized financial video associated with the individual based on the first set of data and the second set of data, and transmit the personalized financial video to a computing device associated with the individual.

Abstract: Identity verification using payment instrument(s) is described. In an example, an identifier associated with a user can be associated with a secure storage component of a payment instrument associated with the user. A verifying entity—which can be a computing resource and/or a service provider—can receive a request to access a computing resource availed via a computing device operable by the user. The verifying entity can determine whether to grant the user access to the computing resource based at least in part on an interaction between the payment instrument and a reader device associated with the computing device.

Abstract: To extract information from a customer's insurance card, an insurance policy recordation system obtains a scanned image of an insurance card and analyzes text in the insurance card image to identify labels describing insurance policy characteristics and insurance policy values corresponding to the insurance policy characteristics. The insurance policy recordation system compares the identified insurance policy values to a set of stored identifiers associated with various insurance plans. If the insurance policy values match one or more of the identifiers, the insurance policy recordation system may determine that the insurance policy values are valid and that the customer has the matching insurance plan. The insurance policy recordation system may obtain additional insurance policy information for the customer based on the stored information in association with the matching insurance plan.

Abstract: An embodiment of the present invention is directed to a performance and volume testing for credit card authorization systems. A system that implements performance and volume testing for credit card authorizations comprises: a memory component that stores performance and volume data; a communication interface that supports communication via TCP/IP and a testing tool comprising a processor coupled to the memory component and programmed to: parse data in a message format for use in performance testing; send load volumes to a system under test to gather metrics, the system under test hosts a credit card authorization application; and collect data from production logs in a message format used to replay authorizations against the credit card authorization application.