Abstract: Systems and methods for obtaining non-customer lead information include authenticating a user at an ATM for a transaction via biometric information, determining that the user is a non-customer of a financial institution operating the ATM, determining that the user was a customer of the financial institution prior to becoming a non-customer, presenting an offer to the non-customer on the ATM based in part on the non-customer lead information collected from an at least one previous transaction with the user, where, responsive to the determination that the user was a customer of the financial institution operating the ATM prior to becoming a non-customer, the offer further comprises a message to the user indicative of the user being a former customer, receiving a response from the non-customer relating to the offer presented, transferring the response to the financial institution computing system.

Abstract: Described are systems and methods for transferring a token between mobile computing devices. A token transfer processing computing device includes a memory device for storing data and a processor in communication with the memory device. The processor is programmed to receive a token transfer message. The token transfer message includes a current device identifier associated with a current mobile device having an original token associated therewith for initiating secure payments using the current mobile device, and a new device identifier associated with a new mobile device replacing the current mobile device. The processor is further programmed to perform a lookup in a device-to-token mapping table to identify the original token associated with the current mobile device. The processor further generates an updated token associated with the payment account and transmits a token transfer response to the new mobile device. The token transfer response includes the updated token.

Abstract: According to some embodiments, data may be received indicative of a plurality of insurance claims along with an indication of an appropriate claim segment classification for each insurance claim. A first claim handler may then be automatically selected for a first insurance claim based at least in part on: (i) a first segment classification associated with the first insurance claim, (ii) numbers of other insurance claims currently assigned to claim handlers, and (iii) load factors associated with claim handlers. An indication of the selected first claim handler may then be transmitted.

Abstract: In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.

Abstract: A risk relationship package data store may contain electronic records, each electronic record representing a risk relationship package between an enterprise and an entity, and including, for each package, an electronic record identifier and an overall attribute value. A computer server may transmit, to a remote device associated with the entity, a set of potential types of risk coverage based on information in an available type of risk coverage data store. The server may then receive an indication of a selected subset of the potential types of risk coverage and, based on the received indication and a pre-determined rule, generate a risk relationship package for the entity using a flexible structure framework. The server may calculate an overall attribute value for the package based on an attribute algorithm (such that at least one reduction to the overall attribute value is applied based on an amount associated with the selected subset).

Abstract: A mobile device configured for currency exchange enables a user to electronically cause funds in a first pre-established account and denominated in a first currency to be sent to a first transaction machine to purchase funds denominated in a second currency. The mobile device electronically receives second account information after a second account is created, with the second account being created responsive to completion of the first transaction. The created second account includes the purchased funds denominated in the second currency. Accordingly, the user is enabled, subsequent to the first transaction, to select a second account module in the mobile device that has since been configured with the received second account information of the created second account. The user can thereafter cause the mobile device to send that second account information to a second, different transaction machine to perform a second transaction in the second currency. Other aspects are disclosed.

Abstract: A management system includes a user terminal, and a management device that manages data, wherein the management device include a memory; and a processor coupled to the memory and executes a process comprising: requesting remittance of a cryptocurrency that uses a public distributed ledger from the user terminal, upon receiving a request for accessing managed data from the user terminal, and authorizing the user terminal to access the data when a record of clearance of the remittance made by the user terminal is added to the public distributed ledger.

Abstract: A plurality of liability factors of an asset is identified. Each liability factor impacts a total liability of the asset. A magnitude of a predetermined magnitude scale is identified for each of the plurality of liability factors according to a predetermined magnitude scale. Each magnitude is graphically encoded into a liability image for the asset. A risk score of the asset is determined by analyzing historical correlations between respective magnitudes of the plurality of liability factors using image recognition techniques on the liability image.

Abstract: Systems and/or techniques for facilitating relay attack prevention for electronic quick response (QR) codes are provided. In various embodiments, a system can determine a cardinality and a frame rate. In various aspects, the system can transmit a first electronic instruction to a mobile device, which can cause the mobile device to generate a set of interlaced frames having the determined cardinality. In various cases, the set of interlaced frames can respectively correspond to a set of portions of an electronic QR code, such that different frames from the set of interlaced frames depict different portions from the set of portions of the electronic QR code. In various aspects, the first electronic instruction can further cause the mobile device to sequentially render, at the determined frame rate, the set of interlaced frames on an electronic display of the mobile device.

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 computer-implemented data processing system comprises account management logic, workflow logic, and interface logic. The account management logic is configured to manage financial accounts associated with a plurality of users. The workflow logic is configured to identify workflow items to be acted upon by users in connection with financial transactions relating to the financial accounts. The interface logic cooperates with the workflow logic to generate a plurality of display screens to be displayed by wireless handheld mobile devices. The display screens comprise a home page screen that is provided to the user upon login and that includes a link to a workflow screen where the user may act upon one or more of the workflow items.

Abstract: A method performed by a processor of a financial institution computing system includes allowing an account holder at the financial institution to initiate a transaction with the financial institution remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a financial institution's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepared so that the account holder can provide the proper authentication information and access the lockbox.

Abstract: A method of encouraging safe driving of a vehicle using a vehicle ignition control is provided. Ignition of the vehicle is prevented until an indication that vehicle insurance for operating the vehicle has been purchased. The insurance rate to charge may be based on driving behaviors detected while operating the vehicle.

Abstract: A variety of embodiments for hardware-accelerating the processing of financial market depth data are disclosed. A coprocessor, which may be resident in a ticker plant, can be configured to update order books and price books based on financial market depth data at extremely low latency. Such a coprocessor can also be configured to enrich a stream of limit order events pertaining to financial instruments with data from a plurality of updated order and price books.

Abstract: According to certain embodiments, a user device comprises a communication interface, an input/output (I/O) interface, and processing circuitry. The processing circuitry is configured to obtain a maximum pre-approval amount, generate a graphical user interface comprising an adjustable pre-approval field that enables a user to select up to the maximum pre-approval amount to include in a pre-approval letter, display the graphical user interface via the I/O interface, and receive an input associated with the adjustable pre-approval field via the I/O interface. The input indicates an adjusted pre-approval amount selected by the user. The processing circuitry is further configured to facilitate generating the pre-approval letter indicating that a customer has been pre-approved for the adjusted pre-approval amount, the pre-approval letter including a pre-authorized signature of a lender and generated without sending the lender the adjusted pre-approval amount.

Abstract: A system, method, and apparatus for a funds transfer is provided. A method includes: receiving a fund transfer request from a user regarding a payee and an amount of funds to transfer to the payee; sending the fund transfer request to a computing system coupled to a first payment directory and a second payment directory; receiving an identification of the payee and a second payment directory based on the fund transfer request; receiving an identification of a data collision regarding information associated with the payee and another user; displaying information regarding the identified payee; receiving an indication from a user that the information regarding the identified payee is correct; sending an instruction that facilitates identification of the payee by resolving the data collision; and providing, via a mobile device, a message indicating that the fund transfer has been completed.

Abstract: Management of a position concentration risk of an account includes the establishment of a threshold level for an aggregate trader position. The aggregate trader position may be associated with one or more customer accounts that are managed by one or more clearing firms. An actual parameter value associated with each of the customer accounts is aggregated to determine an aggregate parameter value, which is compared against the established threshold value. If, based on the comparison between the aggregate parameter value and the established threshold value, it is determined that the aggregate parameter value meets or exceeds the established threshold value, an advisory alert is generated, which may be automatic. The advisory alert is then communicated or otherwise provided to one or more authorized entities.

Abstract: Disclosed are methods and systems for enabling a package of assertions to be provided to a relying entity seeking to interact with an account. A server computer may receive, from a relying entity, a request for assertions, wherein the request for assertions includes an identifier of the relying entity and a hash of an identifier of an account. The server computer may determine an assertions model based on the identifier of the relying entity. The server computer may retrieve a package of assertions associated with the account based on the assertions model and the hash of the identifier of the account. The server computer may transmit the package of assertions to the relying entity.

Abstract: The disclosed embodiments provide a system that verifies user attributes. During operation, the system obtains financial data containing a set of strings representing a set of deposits into one or more financial accounts of one or more users. Next, the system generates one or more clusters of the deposits according to a similarity between pairs of strings in the set of strings. For each cluster from the one or more clusters, the system associates a subset of the strings in the cluster with an income source and extracts one or more employment attributes of a user from a subset of the deposits associated with the user in the cluster. Finally, the system uses the one or more employment attributes to provide an automatic verification of an income of the user.

Abstract: A system may include processor(s), a memory in communication with the processor(s), and storing instructions, that when executed by the processor(s), are configured to cause the system to prevent unnecessary payments. The system may receive a signal indicative of an event in which a user device associated with a user enters a geofenced area associated with a merchant. The system may identify a merchant category code (MCC) associated with the merchant, and determine whether benefit(s) related to the MCC are associated with account(s) of the user. The system may receive an attempted purchase associated with the merchant, and may determine whether the attempted purchase relates to the benefit(s). The system may automatically block the attempted purchase related to the benefit(s) and associated with the user, and may transmit a message to the user via the user device, the message providing the benefit(s).