Abstract: A learning device receives, for each target, learning data that represents the source of generation of a tensor including a plurality of elements which multi-dimensionally represent the features of the target over a period of time set in advance. When the target satisfies a condition set in advance, the learning device identifies the period of time corresponding to the condition in the learning data. Subsequently, the learning device generates a weighted tensor corresponding to the learning data that is at least either before or after the concerned period of time.

Abstract: Systems and methods provided herein may include a card replacement system. The system may include an automated teller machine in data communication with a server. The automated teller machine may include an input device; a processor; a replacement card storage containing at least one replacement card, wherein the at least one replacement cards may include a magnetic stripe and a chip; a magnetic stripe writer; a chip writer; and an embossing device. The processor may be configured to: receive a replacement card request via the input device; request replacement card information from the server; encode replacement card information onto the replacement card using the magnetic stripe writer and the chip writer; and emboss user information onto the replacement card using the embossing device.

Abstract: Systems and techniques are disclosed for reducing regulatory capital requirements for market participants with financial positions. Participant positions are received in a database for matching the participant positions. Additionally, participant assessed theoretical value by position, capital requirement reduction benefit for closing transactions and penalty for opening transactions by position, compression cost constraints, and zero or more custom constraints specifying acceptable risk profile in a portfolio of trades are received from each participant. A set of trades between a plurality of participants that delivers a capital requirement reduction to each of the plurality of participants, while simultaneously satisfying all participant specified cost and risk constraints is calculated. A time period to review and approve compression portfolios prior to consummating trades is provided.

Abstract: A method comprises receiving, by a provider institution computing system via a network, a cash level indicator from each of a plurality of customer payment systems, the customer payment systems receiving cash from customers of a plurality of stores. The method further comprises receiving, by the provider institution computing system via the network, a cash request from a user device of a user. The provider institution computing system selects one of the plurality of customer payment systems based on the cash level indicator and location data of a plurality of delivery agent devices of delivery agents. The method further comprises sending, by the provider institution computing system to a selected delivery agent device, a message comprising location data of the selected customer payment system, the selected delivery agent device being one of the plurality of delivery agent devices.

Abstract: A currency management system excels in security, and includes legal tender as a management target. A transaction information management device (TIMD) receives first transaction (Tr) information from a user terminal, and an account information management device receives second Tr information from the TIMD. The (TIMD) receives third Tr information from the account information management device, and a currency information management device receives fourth Tr information from the TIMD. The TIMD receives fifth Tr information from the currency information management device, and the TIMD sends sixth Tr information to a user terminal. The TIMD stores in the transaction information management device the first to sixth Tr information; and the account information management device and the currency information management device receive the first to sixth Tr information from the TIMD, and store the information in the account information management device and currency information management device respectively.

Abstract: Disclosed is a system (100, 200) for authenticating a digital transaction by implementing a multi-party computation protocol. The system comprises a first set of first nodes (102) configured to generate a first data (104), wherein each of the first nodes, from the first set of first nodes, in a second set of first nodes (102A) is an independent party and a server arrangement (106) communicably coupled with the first set of first nodes. The server arrangement is configured to receive the first data from the first set of first nodes, generate a second data (108), verify whether a number of other of the first nodes (102B) not in the second set of first nodes is equal to or at most only one greater than a number of first nodes in the second set of first nodes and authenticate the digital transaction based on the verification, using the secret shares in the first data and the second data.

Abstract: A computer-assisted method for generating one or more insurance quotes for a user is described herein. A computing device of an insurance provider may generate a first insurance quote for the user. The computing device may receive from a database information identifying contacts for the user. In response to determining that at least one of the contacts for the user is a customer of the insurance provider, an insurance quote for the customer may be accessed. The computing device may generate a second insurance quote for the user based on the insurance quote for the customer and the first insurance quote for the user. For example, the computing device may compare the insurance quote for the customer to the first insurance quote for the user. The first insurance quote may be adjusted to be within a predetermined amount of the insurance quote for the customer.

Abstract: Automated conversion of incompatible data files into compatible benefit packages for a pharmacy benefit management (PBM) platform. In an embodiment, client files, comprising representations of benefit plans, are received. Each representation comprises a plurality of field values. For each representation, a layout and a set of translation rules are received, the plurality of field values in the representation are mapped to a plurality of attribute values based on the layout, and a benefit package, comprising a plurality of components, is generated by applying the set of translation rules to the plurality of attribute values, such that the benefit package represents the benefit plan.

Abstract: A first networked computer system for providing an exchange traded product holding digital math-based assets is disclosed, and may comprise: one or more processors; and non-transitory computer-readable memory having stored thereon machine-readable instructions that cause the one or more processors to perform a method comprising: receiving a first electronic request to redeem a first quantity of units; determining unit information including a second quantity of the first digital asset; obtaining one or more destination digital asset account identifiers that provide access to one or more destination digital asset accounts; initiating the transfer of a third quantity of digital math-based assets from the one or more origin digital asset accounts; broadcasting occurrence of the transfer of the third quantity of digital math-based assets to the decentralized electronic ledger; verifying a receipt of the third quantity of digital math-based assets; and canceling the first quantity of units.

Abstract: A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient.

Abstract: Systems and methods for future trends forecasting based on prediction market probability estimates. Alternative simulated starting values for prediction markets are used in order to determine the preferred starting values for prediction markets to use in volumetric forecasting. A user interface that facilitates using prediction market probability estimates to determine future trends forecasts is described herein.

Abstract: [Problem to be solved] To provide an application for setting a security for verifying the input contents and operation contents when not only opening an application file but also closing the application file. [Solution] An application available in a computer system comprises; an application file which includes an open secret code for opening each application file by the application and a close secret code for closing each application file normally by the application; an application file open program module for opening the application file under the condition that the input code is match with the open secret code; an application file close program module for closing the application file as normally under the condition that the input code is matched with the close secret code.

Abstract: A method for digital coin issuance may include: receiving, at a ledger interoperability service and from a gateway communication service, a request to deposit a digital coin balance for an amount of funds for a client to a client digital coin wallet on a distributed ledger; receiving, at an omnibus account, a transfer of the funds from a client demand deposit account for the client; identifying, by the ledger interoperability service, an address for the client digital coin wallet on the distributed ledger using an address book; submitting, by the ledger interoperability service, a request to the gateway communication service to issue the digital coin balance to the client digital coin wallet and to generate postings for the digital coin balance for the distributed ledger; and receiving, by the ledger interoperability service, confirmation from gateway communication service of writing the digital coin balance to the client digital coin wallet.

Abstract: Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is associated with a scheduled transaction of the one or more scheduled transactions. Further, the method includes generating a composite machine readable code based on the one or more machine readable codes. The generation of composite machine readable code further include, at least one authentication attribute of an assignee. The method, furthermore, includes receiving a second transaction request through a second transaction terminal. The second transaction request includes the composite machine readable code.

Abstract: Techniques for certifying a document and for securely transmitting access to the document across a blockchain network are disclosed. A document, which details results of a soft inquiry executed against a user's credit history, is accessed. A hash algorithm is applied to the document to certify it. The hash algorithm is based on a timestamp indicating when the document was created. Applying the hash algorithm also generates a portable identifier reflecting the document is certified at the time indicated by the timestamp. The portable identifier is added as a record to a blockchain. The record is transmitted to a second computer system using public and private keys.

Abstract: An automated teller machine (ATM) includes a network interface and an authentication circuit configured to receive data indicative of an interaction with the ATM by a user, detect that an individual computing device is in proximity to the ATM, determine that the individual computing device is not associated with a financial account, display a prompt comprising instructions to bind the individual computing device of the user to the financial account, receive data comprising a unique identifier of the individual computing device of the user, bind the individual computing device to the financial account based at least in part on the received unique identifier of the individual computing device of the user, and transmit, to the individual computing device, an application authorization, the application authorization authorizing an application to complete operations associated with the financial account via the bound individual computing device of the user.

Abstract: A system and method are provided for intentionally delaying an execution of an executable instruction by determining if a current executable instruction is received from a predefined source for which all executable instructions are to be intentionally delayed. When so, the system sets a sequence time associated with the instruction equal to a receipt time plus a delay time. The system saves the instruction in an intentional delay queue for future execution. When the current executable instruction is received from a source that is not the predefined source, the system determines if a condition for immediate processing of the current executable instruction is present. When so, the system executes the instruction immediately. Otherwise, it performs an intentional delay determination that determines whether the current executable instruction has been intentionally delayed. When the current executable instruction has been intentionally delayed, the system executes the instruction immediately.

Abstract: Example embodiments relate to methods of proving digital assets. The method includes identifying users on an asset transaction platform. The method includes generating a snapshot for each identified user at a first time. Each snapshot includes a user identity and user assets amount for the user at the first time. The user assets amount is a total amount of digital assets held by the user on the asset transaction platform at the first time. The method includes transforming each snapshot into a string combined hash value. Each string combined hash value is generated by hashing one of the snapshots of the user identity and the user assets amount for the first time. The method includes generating a merkle tree. The merkle tree includes a leaf node for each of the string combined hash values. The method includes performing an audit process of the asset transaction platform for the first time.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One the method includes receiving, by a reconciliation system, a transaction update associated with a transaction request from a transaction network. The reconciliation system may authenticate the transaction update by communicating with an authentication system. The reconciliation system may translate the transaction update into at least another format. The reconciliation system may transmit the transaction update to a notification handler. The reconciliation system may receive transaction data associated with the transaction update from a transaction query system. The reconciliation system may transmit the transaction update to a transaction requestor associated with the transaction data.

Abstract: A system includes a location identifier device configured to receive location information from a user device; a surveillance device configured to capture video surveillance; and a computer system. The computer system is configured to: receive the location information; receive a request for an ATM transaction that includes attribute information associated with the user; obtain, from the received video surveillance, captured attribute information associated with the user; determine that the captured attribute information at least partially matches the received attribute information; transmit a transaction code to the user device based on (i) the location information from the user device being within the area, (ii) the captured attribute information at least partially matching the attribute information, and (iii) the identification of the user associated with the request; and facilitate the ATM transaction based at least partially on the received transaction code.