Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token, from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.

Abstract: Systems and methods for digital property protection are disclosed. For example, indication may be received that an entity has applied for an insurance policy to insure against theft of digital property. The digital property may be registered and a valuation of the digital property may be generated. Due diligence processes may be performed, including assessment of physical and/or network security mechanisms to prevent theft of the digital property. A recommendation to issue the insurance policy may be generated and sent in examples where the due diligence processes return favorable results. Terms generation and/or identification may be performed, and claims processing based at least in part on loss matrixes may also be performed.

Abstract: The present invention is a device and method for pricing and trading income sharing agreements and providing a secondary market for income sharing agreements, which provides a solution to the problem of valuing and executing investment opportunities related to income sharing agreements. The core components of the invention are devices including a processor and memory executing computer readable instructions stored on the memory. Generally speaking, the components are configured as follows: the processor receives information about an entity in order to predict future income of the entity for the duration of an income sharing contract, the processor prepares and sends an income sharing agreement to the entity and receives an agreement. Results of the income sharing agreement may be used to value future income sharing agreements.

Abstract: A method of determining fraud includes: receiving a transaction request associated with a first payment transaction between a merchant and a user from a merchant system; generating a first risk score based on the transaction request and a first set pot of transaction data received prior to the transaction request; processing a transaction request approval based on the first risk score not satisfying a first threshold; receiving a risk score request associated with the first payment transaction, where the risk score request is received after the transaction request has been approved; generating a second risk score based on a second set of transaction data received after the first risk score is determined; and automatically classifying the first payment transaction as potentially fraudulent in response to determining that the second risk score satisfies a second threshold.

Abstract: A computer-implemented method of providing payment methods for an online transaction includes: receiving an unencrypted shopper identifier credential that is associated with a specific user and is input via a checkout user interface, wherein the checkout user interface is associated with the online transaction and is displayed at a user device; in response to receiving the unencrypted shopper identifier credential, generating a first encrypted shopper identifier credential based on the unencrypted shopper identifier credential; sending a first query that includes the first encrypted shopper identifier credential to a first payment instrument manager, wherein the first query requests an indication that the first encrypted shopper identifier credential is associated with an account for the first payment instrument manager; receiving a response from the first payment instrument manager that includes the indication; and causing the checkout user interface to be modified with a selection field, wherein the selecti

Abstract: A method and apparatus for managing liquidity when processing transactions are disclosed. In some embodiments, the method is implemented by a computing device and comprises: receiving data for a plurality of transactions; continuously reading in and aggregating, with an aggregator implemented at least partially in hardware of the computing device, transactions to produce one or more netted currency positions based on a plurality of properties of the transactions and on a plurality of netting constraints; generating one or more tasks, using a trade generator implemented at least partially in hardware of the computing device, to route cash movements as one or more batched fund transfers based on one or more trading policies; and sending the one or more tasks via network communications to one or more entities to execute the batched fund transfers.

Abstract: A method may include receiving financial information regarding a user; categorizing transaction information of the user based on the financial information; causing display of the categorized transaction information; receiving information regarding at least one financial preference and transaction preference of the user; determining using a trained machine learning model activities available to the user; calculating, for each of the one or more activities available to the user, an estimated influence on the at least one financial preference, causing display of the estimated influence on the at least one financial preference based on a user selected one of the one or more activities available to the user; filtering the one or more activities available to the user with a positive estimated influence to the at least one financial preference; and causing display of a recommendation of action relating to the one of the one or more activities available to the user.

Abstract: Aspects of the invention are directed to methods and systems for efficiently communicating data between an insurer and a non-referral repair shop, e.g., vehicle repair shops that are normally not preapproved by the insurer to perform the estimating and repair work. The methods and systems described herein are particularly useful for insurers utilizing non-referral repair shops for servicing vehicles involved in insurance claims. According to aspects of this invention, the insured may be able to select a non-referral repair shop, not delegated or preapproved by the insurer, thereby generally allowing the insured to select any available vehicle repair shop.

Abstract: A computer-implemented method includes receiving a check deposit and a withdrawal request associated with an account of a customer where the account is associated with a first amount and where the withdrawal request comprises a second amount greater than the first amount, forwarding an inquiry message regarding the check deposit to a paying computing system where the inquiry message includes an identifier of the paying computing system that maintains an account of a payor in a paying database, determining real time account status information of the account of the payor where the real time account status information is based on accessing an organized data structure, and authorizing the withdrawal request for the second amount in real time relative to when the real time account status information is accessed where the authorization occurs prior to settlement of the check deposit.

Abstract: A chat bot can be coupled with a chat session, the chat session being hosted by a chat service to facilitate communication between chat application instances. The chat bot can simulate one of the plurality of chat application instances. A first chat text can be accessed via the chat bot, the first chat text provided via the chat session by a first chat application instance. A financial transaction can be determined from the first chat text. In response to determining that the financial transaction can be performed, a second chat text can be transmitted, via the chat bot, to the chat session. The second chat text can indicate to the first chat application instance that the financial transaction will be performed after expiration of a time-out period. In response to the expiration of the time-out period, the financial transaction can be performed.

Abstract: A system and method for evaluating an insurance applicant as part of an underwriting process to determine one or more appropriate terms of life or other insurance coverage, such as premiums. A processing element employing a neural network is trained to correlate aspects of appearance and/or voice with personal and/or health-related characteristic. A database of images and/or voice recordings of individuals with known personal and/or health-related characteristics is provided for this purpose. The processing element is then provided with an image and/or voice recording of the insurance applicant. The image may be an otherwise non-diagnostic image, such as an ordinary “selfie.

Abstract: Methods, computer program products, and apparatus for open tab transactions. A customer device, e.g., a smart phone, can generate an order for purchasing one or more goods or services from a merchant. A list of the items can be stored in a data structure designated as a tab. The list is routed to a merchant device, e.g., a tablet computer. The customer device can be carried by a user to the merchant. When the user reaches the merchant, the customer device or merchant device can receive a request to add an additional item to the list. The tab remains open and modifiable until the customer device or merchant device receives an input to close it. Payment for the goods or services listed in the modified tab is processed upon closing of the tab.

Abstract: The present application discloses a method and an apparatus for processing transaction requests in a blockchain, a device and a medium, which relate to blockchain technologies. The method includes: aggregating transaction requests to be selected with dependency relationships in a blockchain network to obtain at least one transaction request set; determining candidate factor intervals to which the transaction request set belongs, where the factor interval is used to evaluate a probability that the transaction request set participates in a block generation process; and selecting a current target factor interval from the candidate factor intervals, and selecting a current target transaction request set participating in the block generation process from candidate transaction request sets corresponding to the current target factor interval.

Abstract: A method including receiving a selection from a first user device associated with a user, creating and storing a first cookie associated with states of a user account of the user that reflects the selection, and receiving, from a second user device, a request for state data related to the states of the user account. The method includes identifying the first cookie in response to the request for state data and determining a platform type of the second user device. The method includes generating a second cookie compliant with the platform type of the second user device based on the first cookie. The method includes sending the generated second cookie to the second user device, the second cookie including instructions to present the selection on the second user device via the platform type of the second user device.

Abstract: Systems and methods involving a temporary card as well as features and functionality of an associated server and/or application resident on a computing device are disclosed. In one embodiment, an exemplary system may comprise a temporary card provided to a user to conduct purchase transactions for a period of temporary use as well as a server configured to manage operation of the temporary card and execute instructions causing the server to: communicate with an app resident on a computing device associated with the user, instruct the app to generate one or more graphical user interfaces (GUIs) configured to display first interactive GUI elements with first user-selection(s) and second interactive GUI elements with second user-selection(s), and/or control the temporary card based on the first and second user-selections.

Abstract: System and methods for pre-marshalling messages in an electronic trading environment are provided. Specifically, pre-marshalling messages allows for client and network devices to create messages in response to a defined first condition. Pre-marshalling messages allows a trading system to do more processing up front before the message is needed and when a second condition is satisfied. Thus, when the message is needed no further or very little processing must be performed to generate and send the message. The client and/or network device may allocate a separate, unused, or under-utilized processing thread to the task of creating pre-marshalled messages. Pre-marshalled messages may be stored in memory at the network device until it is determined that the second condition has been satisfied. Once a pre-marshalled message is sent, the unused pre-marshalled messages that were stored in memory may be deleted or may be overwritten with newly pre-marshalled messages.

Abstract: A method is provided for displaying an augmented reality image of account information associated with an indicialess transaction card having a card surface with a background pattern applied thereto. A real-time image of the card surface is captured and processed to determine if the background pattern matches a card background pattern associated with a cardholder account. Responsive to a positive determination, communication is established between the user device processor and a card processor carried by the indicialess transaction card. The user device processor receives from the card processor an encrypted verification block and transmits, to an authentication server, an authentication request including the verification block.

Abstract: Provided are systems and methods for managing and implementing single-use payment-enabled tokens. In one example, a method may include distributing, via a server, a payment-enabled token to a payment application on a computing device, the payment-enabled token being mapped to a payment account of the payment application via a tokenization service, detecting use of the payment-enabled token as a payment via the payment application, and in response to the detecting, deactivating the payment-enabled token at the server and storing an identifier of the payment-enabled token and an additional data element of the payment-enabled token that identifies the payment account together within a data structure of the server.

Abstract: A processing system may obtain a customer identifier at a first retail location of a telecommunication network service provider, determine a recency factor of the identifier, obtain an identification of items of interest to the customer, and determine whether the customer has visited a second retail location of the provider within a time period prior to the customer being at the first retail location. The processing system may then apply, to a fraud detection machine learning model, a plurality of factors comprising: a quantity of items of interest, a value of the items, a factor associated with whether the customer has visited the second retail location within the time period, and the recency factor, where the fraud detection machine learning model outputs a fraud indicator value, determine that the fraud indicator value meets a warning threshold and present a warning to a device at the first retail location.

Abstract: Systems and methods for analyzing documentation for assessing potential fraudulent user submissions are provided. According to certain aspects, a server computer may receive an initial set of documentation descriptive of damage to a property asset, and may analyze the initial set of documentation to determine whether additional documentation is needed. The server computer may initiate a communication channel with a user device via which the additional documentation may be submitted, and the server computer may similarly analyze the additional documentation to determine a likelihood of fraud. The server computer may process the user submission accordingly.