Abstract: Systems and methods for conducting money transfer transactions are provided herein. The systems and methods may include receiving and storing reference fingerprint data associated with a first device. The reference fingerprint data can include reference device usage data corresponding to operation of the first device. Current fingerprint data associated with the first device can also be received. Based on a number of previous transactions performed using the first device, a matching threshold can be retrieved. Using the matching threshold, the current fingerprint data may be verified, thereby enabling the first device to conduct a transaction.

Abstract: Data associated with a structure or home may be received from an insurance provider, from publicly available sources and/or from a user. The data may include information about the structure and/or items within the structure, as well as a locality in which the structure is located, and/or other structures in the locality or neighborhood. The data may be used to assess items associated with the structure to determine a probability that an item may have an issue. Other aspects relate to receiving a request for assistance from a user in identifying a cause of an issue and remedying the issue. In some examples, the received data associated with the structure may be aggregated with data from the user about the issue in order to identify a cause of the issue and develop an action plan to address the issue.

Abstract: Optimal strategies for providing offers to a plurality of customers are generated. A plurality of categorical attributes (for example, gender and residential status) and ordinal attributes (for example, risk score and credit line utilization) can be determined. Values of one of more categorical attributes can be changed as per a transition probability table. Some probabilities can be varied to determine a first tradeoff, based on which a first updated strategy can be generate Further, noise can be added to one or more ordinal attributes. Standard deviation of a noise distribution associated with the noise can be varied so as to determine a second tradeoff, based on which a second updated strategy can be generated. The second updated strategy can be an update of the first updated strategy. Offers can be provided to the plurality of customers in accordance with the second updated strategy.

Abstract: Methods and systems for a crypto-machine learning enabled blockchain based profile pricer are described herein. In one example, computer-readable instructions are stored in memory, and one or more processors execute the instructions to determine requested information for a user that can be displayed on a user interface in real-time or near real-time of the user's request. In addition, the provided data can be customized for the user based on a user profile stored in the memory as well as based on third party data stored in a database of related information. The data is communicated to the user using blockchains. At least some advantages of such an arrangement are providing requested data to a user, for display on a user interface, in a transparent, secure, and timely manner.

Abstract: Authentication system for enabling access or use includes a housing, a database of fingerprint and heartbeat data, a fingerprint sensor having a surface on an exterior of the housing onto which a person places their finger, and a heartbeat monitor that obtains data about presence of any heartbeat from a person whose fingers are placed onto the surface of the fingerprint sensor. A processor coupled to the fingerprint sensor, heartbeat monitor and database operatively compares the obtained fingerprint and heartbeat shape derived from heartbeat data to corresponding fingerprint and heartbeat shape data to determine whether the fingerprint and heartbeat shape data are indicative of a person authorized for access or use. Only if both the fingerprint and heartbeat shape data are indicative of the same person authorized for access or use, the processor authorizes access or use, e.g., to a cellphone, of a payment card, and to an access-controlled structure.

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: The subject matter disclosed herein provides methods for detecting and mitigating fraudulent transactions conducted over a network. This method can access one or more data values associated with an online transaction between a first party and a second party. The first party can initiate the online transaction. The data values can characterize an identity of the first party and the second party. A score representing a likelihood that the online transaction is fraudulent can be generated. The generation of the score can be based on one or more models for detecting fraud using the data values. The score can be compared to one or more threshold scores. The online transaction can be authorized or rejected based on the comparing. Related apparatus, systems, techniques, and articles are also described.

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.

Abstract: Mobile devices, methods, and computer-program products are provided for prioritizing data sets. A transmission is received from a proximity broadcasting device. The transmission is a data packet that includes a unique identifier corresponding to the proximity broadcasting device. A proximity broadcasting system corresponding to the proximity broadcasting device is identified based on the unique identifier. At least one transaction data set corresponding to the proximity broadcasting system is selected from among a plurality of transaction data sets. The at least one transaction data set is prioritized above the remaining transaction data sets in a hierarchical order.

Abstract: Provided are arrangements requiring additional multi-factor authentication (MFA) in certain instances of dynamic virtual transaction token (e.g., virtual credit card token) generation via a browser extension. In the arrangements, the browser extension, when executed, may cause a browser to require a user to complete an initial multi-factor authentication (MFA). Once the browser extension has a record indicating a prior valid initial MFA for the user, the user allowed to request a transaction token. The browser extension may allow issuance of the transaction token upon an indication that the value needed does not exceed the predetermined value.

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 device in a payment transaction handoff system may include at least one processor configured to receive a request to perform a payment transaction and identify, using a first communication protocol, a respective device identifier of each of a plurality of proximate devices. The at least one processor is configured to select, based at least in part on a payment factor, a default payment device from the plurality of proximate devices. The at least one processor is configured to transmit, via a second communication protocol, a message to perform the payment transaction, the message comprising the device identifier of the default payment device. In one or more implementations, a first device of the plurality of proximate devices may be associated with a first user account and a second device of the plurality of proximate devices may be associated with a second user account, different from the first user account.

Abstract: Systems and methods for transferring transactions between applications at a user device include receiving, at a first application at a user device, an indication of a transaction request for a transaction that is initiated by a second application at the user device. The transaction involves an online financial transaction program of a transaction server with a merchant application of a merchant server. The first application is authorized by a communication engine of the transaction server for transactions with the online financial transaction program. Communication is established between the first application and the communication engine to authorize the transaction initiated by the second application to be processed by the transaction server. Data is received from at least one button based on a selection by the user, and a transaction notification indicating authorization of the transaction is received at the first application and from the communication engine.

Abstract: An instant message is sent from within an instant message conversation from a terminal computing device to an instant messaging server. A shortcut operation item is displayed on the terminal computing device according to an instruction received from the instant messaging server, where the shortcut operation item is associated with a service task further associated with content of the sent instant message. A predetermined execution operation associated with the shortcut operation item is received by the terminal computing device. The service task associated with the shortcut operation item is initiated by sending a request to execute the service task to the instant messaging server. An instruction is received from the instant messaging server to display an execution result of the service task, and display of the execution result of the service task is initiated on the terminal computing device.

Abstract: An order matching method matches orders to buy and sell (and execute cross transactions in) financial instruments by matching orders at a price equal to the best available bid or ask price or within best available bid and ask prices in the market; where the priority of matching is by price; where orders may optionally specify that the order sender is willing to pay a fee to (or be paid a rebate by) the Order Matching Entity which operates the matching system (a fee/rebate contingency-quantified by a fee/rebate contingency rate (FRC rate); where an order's fee/rebate contingency must be met 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 the yielding order to permit those orders to be matched, if possible.

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 a secured credit product application from an applicant, transmit a passcode message to the applicant, receive a confirmation message of collateral deposited into a collateral escrow account from an escrow account provider computing system, and issue a secured credit product to the applicant.

Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices of a user, such as appliances, home systems, etc. and/or one or more sensors associated with a vehicle of the user, and/or receiving data associated with a lifestyle of the user are presented. In some examples, the data may aggregated and analyzed to assess risk associated with the user in order to determine or adjust an insurance rate or premium.

Abstract: A method, performed by a mobile device, of accessing an access point (AP) of a wireless local area network (WLAN) is provided. The method includes requesting a payment terminal to allow payment for a service or product provided by a store where the payment terminal is provided, in order to access the AP of the store, receiving access information used to access the AP from a payment server connected to the payment terminal, as the payment is authenticated by the payment server, and accessing the AP, based on the received access information.

Abstract: A crypto-machine learning enabled blockchain based profile pricer processes computer-readable instructions to determine requested information for a user that can be displayed on a user interface in real-time or near real-time of the user's request. In addition, the crypto-machine learning enabled blockchain based profile pricer processes provided data to be customized for the user based on a user profile stored in the memory as well as based on third party data stored in a database of related information. The pricer communicates the data to the user using blockchains via a smart contract using a private key and initiates a data transfer based on an input received from the user.

Abstract: An electronic device including a battery; a display receiving power from the battery; a memory electrically connected to the display; and a processor electrically connected to the memory, wherein, the memory is configured to store instructions causing the processor to, when executed, identify a power state of the battery based on a request for a mobile payment, when the power state is within a first range, receive power from a wireless charger capable of performing wireless communication with the electronic device, and when the power state is within a second range due to the reception of the power, perform the mobile payment.