Abstract: An art investment estimation system is provided that is updated to include a first sale price and date, and a second sale price and date of a plurality of repeat sale pairs of a plurality of works of art associated with an artist. The system determines one or more investment value variables derived from the first sale price and associated first sale date and the second sale price and associated second sale date for the plurality of repeat sale pairs of the plurality of works of art. The system receives, at a graphical user interface (GUI), input from a user designating weights for the investment value variables for an artist. The system determines, from the designated weights and the investment value variables, an artist investment potential value for the artist and, at the GUI, displays to the user the artist investment potential value.

Abstract: For communicating payments, a mobile device reads a point-of-sale code from a point-of-sale device. The mobile device uploads the point-of-sale code to the clearing house. The clearing house downloads a purchase menu to the mobile device. The clearing house generates a payment authorization comprising an authorization code and a transaction amount. The clearing house determine whether the point-of-sale device is in communication with the clearing house. In response to the point-of-sale device being in communication with the clearing house, the clearing house communicates the payment authorization to the point-of-sale device at a device address determined from the point-of-sale code. In response to the point-of-sale device not being in communication with the clearing house, the clearing house communicates the payment authorization through the mobile device to the point-of-sale device. The point-of-sale device completes a transaction for the transaction amount at the point-of-sale device.

Abstract: Various embodiments are directed to a trading system and method for indicating trading interests. A wrapped liquidity notice may be provided to a user, in which the wrapped liquidity notice provides first information about a trading interest of at least one other user. The user may request to unwrap the liquidity notice. Responsive to the request, the liquidity notice may be at least partially unwrapped to provide to the user second information about the trading interest. The liquidity notice may be unwrapped additional times to reveal additional information about the trading interest. Exemplary information that may be unwrapped for the user comprises information about the buy/sell side, trading product, price, and quantity of the trading interest.

Abstract: Proposed is an adaptive, layered, automated risk-transfer system and method thereof, with a self-optimizing, increased leveraged capacity and enhanced drop-down cover structure with a plurality of adjustable risk-transfer layers. If a triggered risk-event is assignable to either of the top risk-transfer layer or the bottom risk-transfer layer of the drop-down cover structure, a shared exhaustion factor is generated based on the assigned risk-transfer layer and based on a cover of the loss associated with the triggered risk event. The shared exhaustion factor is applied mutually to both layers by the system eroding both layers by the same exhaustion factor. The top layer and the bottom layer are reinstatable by a corresponding generated normalized reinstatement parameter values normalized over both layers and based on a thus provided shared limit and the erosion of the top layer and the bottom layer.

Abstract: Various embodiments are directed to utilizing an objective impairment injury score risk model. A computing device may receive injury data from a user. The computing device may then perform a security action that protects against unauthorized sharing of the injury data by storing the injury data as a group of linked blocks in a distributed computing system. The computing device may then utilize a machine-learning model to generate a set of questions for the user. The questions may be utilized to determine weighting factors associated with the injury data. The computing device may then utilize the machine-learning model to determine an impairment injury score based on the weighting factors. The may include an objectively determined value associated with a degree of impairment resulting from an injury described in the injury data. Finally, the computing device may display an injury risk management report, based on the score, to the user.

Abstract: An electronic computing device receives a request from a third party for status information for a financial transaction. The request includes an identifier for the third party and an identifier for the financial transaction. The third party is authenticated using the identifier for the third party. A data store is queried using the identifier for the financial transaction to determine the status information for the financial transaction. Any contingency information associated with the financial transaction is updated. The status information and contingency information are returned to the third party.

Abstract: Methods and systems are disclosed for providing Near Field Communications. In certain embodiments, an Android mobile operating system based mobile device is configured with software that, when executed by one or more processors, determines whether the mobile device is to perform an NFC communication with a contactless payment terminal (CPT) using a secure element associated with an NFC controller included in the mobile device. Based on the determination, the mobile device is configured to execute software that performs communications with the CPT using the NFC controller.

Abstract: A method, electronic device, and non-transitory computer readable medium for transmitting information is provided. The method includes creating a card network account for each card network of a plurality of card networks. The method also includes associating with a digital card the created card network accounts and providing to at least one of the card network accounts an account balance of the digital card. Additionally, the method includes receiving, from a mobile device, a selection of the digital card to conduct a transaction at a location. The method also includes providing a suggested card network, determined from the plurality of card networks, to the mobile device, to conduct the transaction. The suggested card network is based in part on which card networks accepted at the location. The method also includes updating the account balance of the digital card on completion of the transaction.

Abstract: Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a third party entity from the one or more third party entities, establishing a communication link with a third party entity device associated with the third party entity, and initiating transfer of resources to the remote device to complete the interaction.

Abstract: A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed.

Abstract: A system including a computing device may receive base map information, including attribute information associated with a plurality of road segments, and trip request information. Based on this information, a route for the user to travel may be determined. The system might further calculate a risk score for each road segment forming the route, and generate a risk map based on the risk score and the route. The risk map may then be displayed to a user. The risk map may include markers or other objects depicting potential risks along the route the driver may face. Also, the risk map may be updated based on information collected from a sensor coupled to the vehicle or located at the road segment to reflect actual, real-time risk scores calculated using an equation for providing a risk score for a particular driver driving a particular vehicle on a particular road segment.

Abstract: A computer system is provided that includes a paired list of data transaction requests on which a matching process is performed. There are multiple different types of data transaction requests that are stored in the paired list including data transaction requests with midpoint attributes and data transaction requests with discretion attributes. The computer system may determine how the multiple different types of data transaction requests may be match against each other. Two matching processes can be used to determine if a match exists between the first and second sides of the paired list. Matches that are determined at private values are not disseminated to third-parties via public market data feeds.

Abstract: A system and method for providing a reliable rideshare scheduling service rideshare fault tolerant watchdog system that may be reliant on other on-demand rideshare facilities or underlying rideshare sub-systems.

Abstract: Unmanned aerial vehicles (UAVs) may facilitate the generation of a virtual reconstruction model of a vehicle collision. UAVs may collect data (including images) related to the vehicle collision, such as with the insured's permission, which may be received by an external computing device associated with the insurer and utilized to perform a photogrammetric analysis of the images to determine vehicle impact points, the road layout at the scene of the collision, the speeds and directions of vehicles, etc. This data may be used to generate a virtual reconstruction model of the vehicle collision. An insurer may use the virtual reconstruction model to perform various insurance-related tasks, such as allocating fault to drivers or autonomous vehicles involved in the vehicle collision, and adjustment of insurance pricing based upon the fault allocation. As a result, innocent drivers or vehicles may not be unfairly penalized for vehicle collisions not their fault.

Abstract: The technology allows to assist the stock price forecast by referring to the past business performance and stock price based on the business performance forecast of the company by the user himself/herself.

Abstract: Systems and methods disclosed herein relate to reducing the losses associated with processing payments using credit card payment processing gateways. Payment processing gateways have different deposit success rates due to the gateways' varying arrangements with acquiring banks and the ability to process certain types of payments. A payment request related to a user may be received, wherein the request specifies a particular type of credit card, a transaction currency, and an amount. A payment application then routes, via a payment agent, the payment request to an adaptive gateway switching system (AGSS) in an attempt to complete a payment transaction. If in learning mode, the AGSS may randomly choose a payment processing gateway. Or the AGSS may choose the gateway based upon a learned gateway status based upon results learned through reinforcement learning. Upon receiving the result of a transaction attempt from the gateway, the agent reports the result to the AGSS.

Abstract: The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.

Abstract: A method of and system for wirelessly transmitting a tip from a tipper to a tippee is disclosed. The method and system each eliminate the need for a tipper to make a cash payment to a service provider. The method and system employ a sound-based technique for transferring payment information from a tipper to a tippee. The method and system also enable the tippee to deposit the tip amount into an account that is configured such that the tip is automatically dispersed to a group of service providers according to a predetermined allocation schedule.

Abstract: System and methods are disclosed for determining properties of vehicle insurance policies for vehicles that engage in autonomous driving. Vehicle driving data, an autonomous driving system quality rating, and/or other information may be used to determine, for example, a premium, a deductible, a coverage term, and/or a coverage amount of an automobile insurance policy of an automobile that engages in autonomous driving. In addition, vehicle driving data and/or other information may be used to determine a distance-based autonomous driving insurance factor based at least in part on a distance traveled by the vehicle while the vehicle was engaged in autonomous driving.

Abstract: Systems and methods are described for use in the context of property insurance claims. In general, the systems and methods described herein allow for a claims adjuster to visually present property insurance claim decisions input into a server by a claims adjuster audit by a policy holder of a property insurance policy. A payment list illustrating a plurality of payments with hyperlinks is displayed in a first view on a display screen of a policy holder device. An itemized statement of loss illustrating a replacement cost value and subtractions therefrom in a second view on the display screen. An itemization of coverage illustrating a list of property items with associated damages corresponding to each of the property items in a third view on the display screen, wherein only a subset of the property items with associated damages are listed that correspond to a selected hyperlink.