Abstract: A method and system are provided for registering, in a database, a transaction between two parties, and for allowing a third party to cause an action to be performed in relation to the transaction. The method comprise a step of creating (s2) a transaction record, steps of electronically signing (s4, s12, s18, s26) the transaction record, steps of registering (s6, s14, s20, s28) the transaction record in the database, steps of issuing a notification (s8, s16, s22) that the transaction record has been registered in the database, steps of verifying (s10, s24) the transaction record by the third party, and a step of causing (s30), by the third party, an action to be performed based on transaction content information.

Abstract: In some embodiments, one or more user interfaces for facilitating personal payment transactions may be provided. In some embodiments, one or more first interfaces may be generated for a payer to effectuate a personal payment transaction. A location of a user device associated with the payer may be obtained. Based on the obtained location of the user device, one or more suggested payees for presentation on the first interfaces may be provided. An indication of a selected payee (from the suggested payees) may be obtained from the payer via the first interfaces. Options to fund a personal payment to the selected payee may be provided for presentation on the first interfaces. One or more options for routing the personal payment associated with the personal payment transaction may be provided to the payer via the first interfaces.

Abstract: An illustrative fraud deterrent method includes presenting an identity verification option for a first website displayed in a web-browser, the option including offering a login to a third-party website, unrelated to the first website. The method further includes receiving login information for a first user account on the third-party website and verifying the login information through a verification service associated with the third-party website, to verify that the login information is valid for the first user account, identified by the login information. The method additionally includes verifying an identity at the first website, responsive to the verification.

Abstract: One or more processors receive a request for a secure digital asset and execute a validation protocol defined for validating the request. The validation protocol may define conditions for fulfilling the request that include one or more conditions related to information about an identified user requesting the request or information indicative of a routing-aspect of the request. The one or more processors attempt to validate the request based on assessment of the conditions specified in the validation protocol. If validation is unsuccessful, the one or more processors instruct the user to undertake one or more multi-factor authentication actions, which may include choices from a plurality of possible multi-factor authentication options and/or certain required multi-factor authentication options, defined by the protocol. The one or more processors validate and fulfil the request responsive to confirming successful undertaking of the one or more multi-factor authentication actions by the user.

Abstract: A system and method for allowing a user to manage transactions in an online application. The system includes a back-end server operating the online application and including a processor for processing data and information, a communications interface communicatively coupled to the processor, and a memory device storing data and executable code. When the code is executed, the processor can link a plurality of external bank accounts to the online application, provide a main list of transactions that were made using a credit card, allow a user to selectively move the transactions from the main list to a first list or a second list, and allow the user to pay the transactions in the first list from one of the external bank accounts and pay the transactions in the second list from another one of the external bank accounts.

Abstract: A system includes a location identifier device and a computer system. The location identifier is configured to transmit an identifier to a user device when the user device is within a predetermined range of an area and receive location information from the user device associated with a user. The computer system is configured to receive the location information from the user device within the area via the location identifier device and receive a request for an ATM transaction from the user device. The request includes attribute information associated with the user. The computer system is configured to receive attribute information associated with the user comprising an indication of a license plate within the area and identify, based on a determination that the attribute information at least partially matches the attribute information from the request, the user associated with the request.

Abstract: Computing apparatus detects and monitors rapid changes in a computer network. The computing apparatus implements delays and other actions to ameliorate potentially adverse effects in the computer network caused by such changes.

Abstract: Systems and techniques for facilitating card authentication technique selection via machine learning are provided. In various embodiments, a processor can access an attribute vector associated with a financial payment card. In various instances, the processor can determine, via execution of a machine learning model, whether to authenticate the financial payment card with a zero-dollar authentication technique or instead with a tokenization authentication technique, based on the attribute vector. In various cases, the processor can execute the zero-dollar authentication technique with respect to the financial payment card, when the processor determines that the financial payment card should be authenticated with the zero-dollar authentication technique.

Abstract: A method includes receiving a digital file from a customer, extracting metadata from the file, and verifying the metadata prior to accepting the digital file. The method may include verifying that a representation of a required physical token appears in the digital file.

Abstract: Systems and methods are described herein for identifying diminished capacity of a voice call participant based on audio data analysis. A server generates an audio image based on an audio file comprising speech data corresponding to a first user on a voice call. The server determines a diminished capacity score based on one or more characteristics of the audio image analyzed using a deep learning classification model. The server applies a security protocol to an account associated with the first user when the diminished capacity score is at or above a threshold value. The server receives a transaction request corresponding to the account from the first user. The server processes the transaction request based on the security protocol applied to the account.

Abstract: A system may include a processor that may receive account information having a plurality of transactions associated with a bank account. The processor may then determine an expected burn rate of funds based on the account information, determine an expected savings balance at a first time based on the account information and the expected burn rate, generate an event in response to the expected savings balance being below a threshold, and send an alert including the event to a computing device associated with the user. The alert may indicate a status of the expected savings balance via an electronic display of the computing device.

Abstract: The present application provides a method for implementing a middleware based on EMV, a terminal device, and a computer-readable storage medium. The method includes: establishing a middleware based on EMV L2, wherein the middleware provides a first interface for an upper-layer application of the terminal device to call; after the middleware receives a calling request for the first interface sent by the upper-layer application according to detected information of a IC card, calling an interface of an Entry library according to the calling request to obtain a return result of the Entry library, wherein the return result of the Entry library comprises an application identifier of the IC card; and determining an EMV L2 library matching the IC card based on the application identifier, and calling an interface of the EMV L2 library matching the IC card, to complete a contactless process with the IC card.

Abstract: The present invention provides a processing apparatus (10) including: a registration unit (12) that recognizes, based on image processing, product discrimination information of a product picked up from a product placing space, and registers the recognized product discrimination information in association with customer discrimination information; and a settlement unit (13) that executes, when it is detected, based on image processing, that a customer having picked up the product performs a predetermined action, a settlement based on a registration content resulting from the registration unit (12).

Abstract: A method includes receiving a lockbox transaction order associated with an account of the provider from a first user device where the lockbox transaction order includes a requested transaction and a desired transaction location, validating whether the requested transaction can be completed at the desired transaction location, determining a physical lockbox associated with the provider from a plurality of physical lockboxes at an alternative lockbox transaction location based on determining that the lockbox transaction order cannot be completed at the desired transaction location, transmitting an indication to a user device indicating that the requested transaction can be completed at the alternative lockbox transaction location, preparing the physical lockbox for the requested transaction, and authenticating a user at the physical lockbox where authenticating the user at the physical lockbox enables the physical lockbox to unlock and become accessible by the user.

Abstract: Systems and methods for implementing a machine learning loan portfolio loss forecasting system are provided. A current state of active loans of a loan portfolio during a first time period of a set of time periods may be determined. For each of the set of time periods, a roll rate of the active loans from each delinquency state to a subsequent delinquency state may be determined based on historical data of the loan portfolio. The machine learning model may then, iteratively, for each subsequent time period, determine a percentage of the active loans that will transition to each of the set of delinquency states during the subsequent time period based on a current state of the active loans during a previous time period and the roll rate from each delinquency state to a subsequent delinquency state for the subsequent time period.

Abstract: Systems, methods, and program products for providing an exchange traded product holding digital math-based assets are disclosed. Shares based on digital math-based assets may be created using one or more computers by determining share price information based upon quantities of digital math-based assets held by a trust, electronically receiving a request from an authorized participant user device to purchase a quantity of shares, electronically transmitting a quantity of digital math-based assets to one or more destination digital asset accounts for receipt of digital math-based assets from the authorized participant based on the determined share price information and the requested quantity of shares, and electronically issuing shares to the authorized participant.

Abstract: The present invention provides a virtual code-based transaction system, method and program, wherein the method includes a virtual code reception step in which a virtual code verification means receives a virtual code, and the virtual code is generated by a virtual code generation function included in a virtual code generation means, searching, by the virtual code verification means, for a storage location of a User Identification (UID) in the virtual code, searching, by the virtual code verification means, for control command information stored by matching the searched UID, and performing a control command based on the extracted control command information, wherein the virtual code verification means stores a plurality of UIDs and changes control command information matched to each of the plurality of UIDs every preset period.

Abstract: A computer-implemented method includes providing certified financial data indicating financial risk about an individual. The method includes electronically collecting financial account data about the individual from at least one financial source. The method includes transforming the financial account data into a desired format. The method includes validating the financial account data by applying an algorithm engine to the financial account data to identify exceptions, wherein the exceptions indicate incorrect data or financial risk. The method includes marking the exceptions as valid exceptions when output of the algorithm engine validates the exceptions. The method includes confirming the exceptions by collecting additional data and applying the algorithm engine to the additional data.

Abstract: The present disclosure provides a method, a device, a storage medium and a program product for carbon trading.

Abstract: In a computer-implemented method of using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.