Abstract: Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient.

Abstract: A specialized computer matching system programmed to match orders for financial instruments of any type; where orders are matched at a price equal to the best available price or within the best available prices in the market; where priority of matching orders is ranked by price; where orders at the same price may be further ranked based on other attributes; where orders may optionally specify that the order sender is willing to pay a fee to (or receive a rebate by) an Order Matching Entity (i.e., a fee/rebate contingency (FRC)); where an order's optional FRC must be met in order to match the order; and where an order which cannot be matched solely because its FRC rate prevents it from matching with another order temporarily yields priority—other than price priority—to other orders ranked below to permit those orders to be matched.

Abstract: A secured credit provider computing system is provided. The system includes a network interface configured to communicate data over a network and a processing circuit including one or more processors coupled to non-transitory memory. The processing circuit is configured to receive, from a user computing device, an application for secured credit; generate a passcode corresponding to the application and transmit the passcode to the user computing device; receive the passcode from an automated teller machine (ATM) of a second provider; responsive to identifying the application based on the passcode, transmit, to the ATM for display, a collateral request for the application; receive, from the ATM, a message acknowledging a collateral deposit; determine that the collateral deposit satisfies the collateral request for the identified application; and transmit, to the user computing device or to the ATM, a notification indicating that the application has been approved.

Abstract: A shared ledger operated by a group of network participants according to a set of consensus rules manages and resolves subrogation claims between a clamant and a defendant with arbitration. Evidence regarding the value of the subrogation claim is sent to the shared ledger by the parties to the subrogation claim such as sending data to a smart contract deployed on the shared ledger. The parties to the subrogation claim or entities that are not parties to the subrogation claim may broadcast data relating to fault to the blockchain. The data relating to fault may be evaluated by the parties or entities acting on the parties' behalf to determine fault. A fault determination may be broadcast to the blockchain based upon the analysis of the data relating to fault. Once the claim is resolved, arbitrator may release funds on the chain to the prevailing party or may accept confirmation that any payments have been made between the parties off-chain.

Abstract: Methods, systems, and computer programs are presented for reconciling a transaction against data in a database to identify the transaction parameters based on text descriptors provided for the transaction. One method includes an operation for identifying features for reconciling transactions of a first entity by a machine-learning program. The features include, at least, a description of the transaction, a name of a second entity in the transaction, a location of the second entity, and an account for the transaction. The machine-learning program is trained with training data that includes values of the features for previously reconciled transactions. A received first transaction includes a description, a date, and an amount. The first transaction is input for the machine-learning program, which generates one or more suggestions for reconciling the first transaction. Each suggestion includes the name of the second entity in the first transaction and an account.

Abstract: A specialized computer matching system programmed to match orders for financial instruments of any type; where orders are matched at a price equal to the best available price or within the best available prices in the market; where priority of matching orders is ranked by price; where orders at the same price may be further ranked based on other attributes; where orders may optionally specify that the order sender is willing to pay a fee to (or receive a rebate by) an Order Matching Entity (i.e., a fee/rebate contingency (FRC)); where an order's optional FRC must be met in order to match the order; and where an order which cannot be matched solely because its FRC rate prevents it from matching with another order temporarily yields priority—other than price priority—to other orders ranked below to permit those orders to be matched.

Abstract: A system for managing trading orders comprises a memory operable to store an order associated with a first price. The system further comprises a processor communicatively couple to the memory and operable to identify a latency value. The processor is further operable to receive a counterorder and to identify a potential trade associated with the order and the counterorder, the potential trade based at least in part on the first price. If the latency value satisfies a configurable condition, the processor is further operable to initiate a configurable period of time. If the potential trade is not valid upon expiration of the configurable period, the processor is further operable to prevent the execution of the potential trade.

Abstract: In one aspect, the present disclosure relates to a multi-lender loan management system comprising an external network gateway, an internal network gateway, a messaging service, a plurality of Application Programming Interface (API) modules coupled between the external network gateway and the internal network gateway, and a plurality of micro services coupled to the internal network gateway and configured to communicate with each other via the messaging service. API modules can include a client API module and a lender API module. Microservices can include a loan applications microservice and an offers microservice.

Abstract: A computer-implemented method for regulating a loan managed by a loan accounting system that includes steps of: detecting a new action affecting a logical history of a loan managed by the loan accounting system, with the new action representing a new event in a loan process of the loan; identifying a first series of events related to the logical history of the loan affected by the new action; automatically calculating states of the loan based on a plurality of actions each associated with an event of the first series of events, wherein at least two of the actions have a causal relationship with one another; and automatically recalculating and updating a physical history of the loan based on the calculated states of the loan with the physical history including a second series of events that is different than the first series of events.

Abstract: Provided herein is a method for delivering web content to a computer user where the computer user must provide data for verification. A control presented by a first web page provided by a requesting server of a requesting party may be selected to request a further web page where data may be entered that requires verification. The requesting server may redirect the computer user to a verifying server that may provide a second web page to fulfil the request for the further web page. The second web page may be presented as a foreground window positioned over a backdrop frame. The foreground window may be provided with fields for entering the data and the backdrop frame may be provided by the requesting party. The verifying server may verify data entered in the foreground window and may send the requesting server a notification as to whether the verification was successful.

Abstract: Systems and methods for use in identifying payment accounts to segments are provided. One exemplary method includes receiving a first indicator for a first location from a communication device, where the communication device is associated with a consumer and the consumer is associated with a payment account issued to the consumer by an issuer. The method also includes appending, by a computing device, the payment account to a first segment based on the first location indicator, and causing at least one rule associated with the payment account to be modified where the at least one rule relates to authorization of transactions in a first region including the first location.

Abstract: A computer system for processing data for verification of vehicle repair estimates in connection with insurance claims includes an insurance claims database having data relating to insurance claims. One or more computer processors are configured to receive claim identifying data from a repair facility computer system; determine, based on the claim identifying data, an insurance claim associated with the claim identifying data; establish secure communication with the repair facility computer system; receive data indicative of a repair estimate associated with the insurance claim from the repair facility computer system; access an evaluation of the estimate based on a plurality of rules, compare the estimate to one or more thresholds, and forward the estimate to a claim handler system.

Abstract: A specialized computer matching system programmed to match orders for financial instruments of any type; where orders are matched at a price equal to the best available price or within the best available prices in the market; where priority of matching orders is ranked by price; where orders at the same price may be further ranked based on other attributes; where orders may optionally specify that the order sender is willing to pay a fee to (or receive a rebate by) an Order Matching Entity (i.e., a fee/rebate contingency (FRC)); where an order's optional FRC must be met in order to match the order; and where an order which cannot be matched solely because its FRC rate prevents it from matching with another order temporarily yields priority—other than price priority—to other orders ranked below to permit those orders to be matched.

Abstract: A dual mode payment interface device having a touch display and alternatively operating in a first mode and a second mode and an associated dual mode system are disclosed. The first mode provides access to a merchant system interface (MSI) on the touch display and provides access to a customer system interface (CSI) on the touch display. The second mode provides access to a CSI on the touch display and does not provide access to the MSI on the touch display. The system also includes a merchant display device having a second touch display. The merchant display device provides access to the MSI on the second touch display. The system also includes a wire that provides a communicative connection between the dual mode payment interface device and the merchant display device. The second mode is enabled by the communicative connection.

Abstract: A computer-implemented method and system for performing analytics on telematics data to determine incidence of a relevant vehicle event and provide event notification. Telematics data is acquired from a data capture device associated with a vehicle and at least a portion of the telematics data is transmitted to a computer device configured to perform analytics on the captured telematics data. Analytics is performed on the computer device to determine if a relevant event has occurred regarding the vehicle. Event notification is generated and transmitted to a user computing device when it is determined a relevant event has occurred.

Abstract: A configured application for authorizing a credit card by a user and a method that may include receiving an electronic request to pair a mobile device associated with a user with a credit card of the user. The credit card may include a location tracking circuitry to remotely communicate a location of the credit card to a remote electronic recipient. The location of the credit card may be received by a processor from the remote electronic recipient. A proximity multi-factor authentication may verify that the user is an authorized user of the credit card. The mobile device associated with the user may be paired with the credit card of the user after verifying that the user is the authorized user. The processor may receive the location of the credit card paired with the mobile device from the remote electronic recipient. The location of the credit card may be displayed on a display of the mobile device associated with the user.

Abstract: Computer implemented system and methods are provided for evaluating the effectiveness of personalized automated teller machines. In some embodiments, the system may include a camera, an automated teller machine comprising a user interface based on a user profile and at least one server geographically remote from the automated teller machine. The server may be configured to receive a recorded user interaction, receive transaction data, determine an emotion state, extract environmental data, determine a quality indicator for the recorded user interaction, update a user profile, and transmit to the automated teller machine the updated user profile.

Abstract: Various methods, apparatuses/systems, and media for accessing data in real time are provided. A plurality of data sources are provided, each including various data corresponding to a user's account held and managed by an institution. A processor implements API connectivity to connect a user's system of choice to each of the plurality of data sources. A receiver receives user's login data associated with the user's account from the user's system of choice. The processor accesses data corresponding to the user's account in real time from the plurality of data sources via the API connectivity; and causes a GUI of the user's system of choice to display the data in real time.

Abstract: Systems and methods for transferring funds from an acquirer processor account to one or more financial accounts. The transferring of the funds can be directed by one or more settlement rules defined by a merchant.

Abstract: A communication module may receive communications from a vehicle. A collision detection module may determine that a collision has occurred at a vehicle based on one or more of the communications received from a vehicle. A participant identification module may identify one or more participants involved in the collision based on one or more communications received from the vehicle. A fault determination module may identify one of the participants as the at-fault participant based on a comparison of a fault determination ruleset to vehicle telematics data included in one or more of the communications received from the vehicle. A claims processing module may determine whether to file an insurance claim associated with one of the participants based on the estimated repair cost.