Abstract: A system and method are provided for managing electronic disbursements transferred from a business client of a financial institution to customers of the business client. The system includes a disbursement instruction processor receiving a disbursement instruction over a network from a business client system, the disbursement instruction processor processing the instruction and performing multiple steps. The steps include using a customer identifier to determine available payment channels for the customer and selecting an electronic payment channel when available payment channels include an electronic payment channel. An electronic disbursement notification is forwarded to the customer. A confirmation may be provided upon acceptance of the disbursement through the disbursement notification.

Abstract: A system for explaining tax questions for an electronic tax return preparation program includes a computing device having a tax logic agent and a user interface controller. The computing device executes the tax logic agent, which analyzes a completeness graph to identify a required variable. The tax logic agent also determines whether an explanation asset is indexed to the required variable in the completeness graph, and sends an identity of the required variable to a user interface controller. The user interface controller generates a tax question corresponding to the required variable. When the tax logic agent determines that an explanation asset is indexed to the required variable in the completeness graph, the computing device presents the tax question and the explanation asset. When an explanation asset is not indexed to the required variable in the completeness graph, the computing device presents the tax question without the explanation asset.

Abstract: An electronic communication module broadcasts a first stream of alternating packets by alternating between a plurality of first packets and a plurality of second packets from a transceiver. Each of the first and second packets is associated with a first and second service, respectively, and includes a header with information identifying a first and second device, respectively as its source of transmission. The electronic communication module receives from a first mobile device a request for the first device to perform an operation associated with the first service, and concurrently establishing a connection with the first mobile device and transmitting first packets associated with a response to the first request, while continuing to broadcast second packets indicating presence of the second device, where the first and second packets are transmitted in an alternating pattern.

Abstract: A system, method, and computer-readable storage media for performing a transaction for a customer of a financial institution using math-based currency (MBC), the system comprising a permissioned ledger banking system comprising a transaction circuit comprising a transaction processor and a transaction memory, an account mapping circuit comprising an account mapping processor and an account mapping memory, and an MBC account database comprising an MBC account of the customer, a fiat banking system comprising an account management circuit and a customer fiat accounts database, and the permissioned ledger banking system and the fiat banking system are connected via a communications network, wherein the account management circuit comprises an account management processor and an account management memory storing executable account management instructions that when executed by the account management processor causes the account management processor to perform steps of storing a fiat account of the customer in the c

Abstract: Methods, apparatus, and systems for processing data transactions use a sequencer communicating with a plurality of data processors and provide improved performance and lower latency.

Abstract: A method of updating a payment card includes receiving a payment card having an existing payment part. The method includes removing the existing payment part from the payment card and installing a new payment part with the payment card for subsequent use of the payment card.

Abstract: A batteryless payment device is disclosed. According to certain embodiments, the batteryless payment device may include a first communication system and a second communication system, the second communication system being a near-field-communication (NFC) system. The batteryless payment device may also include a power receiver coupled to the first communication system and configured to wirelessly receive power from an external device for powering the first communication system. The batteryless payment device may further include a controller configured to: when the first communication system is powered, establish, via the first communication system, a first wireless connection with a user device; receive, through the first wireless communication, a token from the user device; establish, via the second communication system, a second wireless connection with a payment terminal; and transmit, through the second wireless connection, the token to the payment terminal.

Abstract: A method, system, and apparatus for performing a transaction for a customer having a fiat account with a financial institution. The method includes receiving a transaction request from the customer, the transaction request including a request to transfer a first amount of fiat currency to a receiving account held at a partner financial institution; determining a second amount of math-based currency (“MBC”) corresponding to the first amount of fiat currency, wherein the MBC is held in an MBC wallet account; transmitting the second amount of MBC to a partner financial institution computing system of the partner financial institution via a permissioned blockchain system; updating the MBC wallet account to reflect the transaction; debiting a fiat account balance associated with the fiat account of the customer by the first amount; and transferring fiat currency between the financial institution and the partner financial institution to settle a plurality of transactions.

Abstract: Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for predicting property damage restoration estimates.

Abstract: Provided is a point-of-sale system for processing biometric inputs, comprising a fingerprint reader configured to receive a plurality of fingerprints simultaneously or substantially simultaneously, an input device configured to receive transaction data, a communication device, and at least one processor in communication with the fingerprint reader, the input device, and the communication device. The at least one processor is programmed or configured to generate at least one transaction message for a transaction based at least partially on a plurality of account identifiers corresponding to the plurality of fingerprints received by the fingerprint reader and the transaction data received by the input device, the at least one transaction message comprising an apportionment of the transaction value among the plurality of account identifiers, and communicate, with the communication device, the at least one transaction message to a transaction processing server.

Abstract: A user account evaluation system is disclosed for evaluating risk associated with a user account. The system may obtain user account data associated with many user accounts, select a statistically significant subset of the user accounts, and then process (e.g., to determine types of the user accounts, etc.) and analyze the subset of user accounts to generate a plurality of evaluation models. When a new user account is accessed by the system, user account data may be obtained for the new user account, and the new user account may be evaluated based on the plurality of evaluation models. Accordingly, a plurality of evaluation parameter scores may be generated for the new user account, each of which may indicate an amount of risk associated with the user account. Some embodiments of the present disclosure may include machine learning and/or artificial intelligence methods to improve evaluation of the user accounts.

Abstract: Methods, apparatus, and systems for processing data transactions use a sequencer communicating with a plurality of data processors and provide improved performance and lower latency.

Abstract: According to one embodiment, a method of managing trading is provided. A first offer for a particular instrument in a particular market is received from a first market maker at a first offer price. A first bid for the same particular instrument in the same particular market is received from a second market maker at a first bid price, the first bid price being higher than or equal to the first offer price. As a result of the first bid price being higher than or equal to the first offer price, the first offer price is automatically increased to a price higher than the first bid price such that a trade is not executed between the first offer and the first bid. In some embodiments, such method may be used to protect market makers from unwanted trades caused by inherent latency in the market makers' pricing engines and/or networks.

Abstract: A system and method for processing an online application for a payment instrument is described, in which user details are received, a payment instrument is assigned based on the received user details, wherein the payment instrument is associated with unique identifying data, and the user is informed of the assigned payment instrument by transmitting a first portion of said unique identifying data via a first communication channel, and transmitting a second portion of said unique identifying data via a second communication channel different to the first communication channel.

Abstract: A computer-implemented method for applying enrichment services hosted on a second interchange network to a payment transaction initiated over a first interchange network is provided. A transfer process module hosted on the first interchange network receives a first service request from a requestor, formatted in accordance with a first set of proprietary communications standards associated with the first payment network, and transforms the first service request to a second service request formatted in accordance with a second set of proprietary communications standards associated with the second payment network. An enrichment services computer system hosted on the second interchange network receives the second service request and generates a first service response formatted in accordance with the first set of proprietary communications standards.

Abstract: A multiplicity of participants comprising utility operators, distributed energy resource (DER) providers, vendors/aggregators, energy customers, and utility financial officers, are communicatively connected to a platform. The platform provides interactive interfaces for each type of participant to access the platform over communication network. Utility operators are enabled to view and control DER in a certain area via an interface for utility operators. DER providers are enabled to interconnect DER packages to a utility grid via an interface for DER providers. Vendors/aggregators are enabled to view and manage their portfolios via an interface for vendors/aggregators. Energy customers are enabled to view energy information, shop for new products or services, and manage rate plans via an interface for marketplace. Utility financial officers are enabled to view revenue streams from the platform to a utility via an interface for financial settlement.

Abstract: A device may receive, from a user device, a multimedia file that is to be used to authenticate a transaction card. The multimedia file may include data identifying a face of a user, data identifying a transaction card identifier, and data identifying an authorized action. The device may determine whether to authenticate the transaction card by executing one or more authentication procedures. The device may execute a first authentication procedure to verify that the multimedia file includes the data identifying the face of the user, the data identifying the transaction card identifier, and the data identifying the authorized action. The device may determine whether to activate the transaction card based on whether the transaction card has been authenticated. The device may provide a notification to the user device indicating whether the transaction card has been activated based on whether the transaction card has been activated.

Abstract: A system and method for prioritized data delivery in an electronic trading environment are described herein. According to one example embodiment, by prioritizing the messages associated with a tradeable object, the bandwidth and system resource usage may be optimally reduced, and any loss of priority content in the messages sent between the network device and the client device may be reduced. An example method includes associating different priority levels with messages comprising market data. Messages containing market information related to the inside market may be associated to a higher priority level. Whereas messages containing market information relating to the quantities at prices outside the inside market may be associated with a lower priority level. Based on the priority level associated with a message, a network device may send the message directly to the client device or store the message in a data structure until a pre-defined condition is satisfied.

Abstract: Described is a method for initiating a cashless payment transaction from a motor vehicle, wherein in a vehicle-external, stationary device an optical detecting apparatus generates image data of a representation apparatus positioned on the motor vehicle for optically representing a chassis number of the motor vehicle, and a recognition apparatus recognizes the representation apparatus in the image data, and based on the recognized representation apparatus, the chassis number of the motor vehicle is determined, and a retrieval apparatus, depending on the determined chassis number, retrieves user data of a user from a data storage, wherein the user data contain bank account data for a cashless payment, and wherein a control device performs the payment transaction in a cashless way, based on the bank account data.

Abstract: A device may receive, from a user device, a multimedia file that is to be used to authenticate a transaction card. The multimedia file may include data identifying a face of a user, data identifying a transaction card identifier, and data identifying an authorized action. The device may determine whether to authenticate the transaction card by executing one or more authentication procedures. The device may execute a first authentication procedure to verify that the multimedia file includes the data identifying the face of the user, the data identifying the transaction card identifier, and the data identifying the authorized action. The device may determine whether to activate the transaction card based on whether the transaction card has been authenticated. The device may provide a notification to the user device indicating whether the transaction card has been activated based on whether the transaction card has been activated.