Abstract: The present disclosure generally relates to systems and methods for generating data representative of an individual's insurance risk based on actual driving behaviors and driving environment. The systems and methods may include collecting data from personal electronic device sensors, vehicle sensors, driver inputs, environment sensors and interactions of the vehicle, the driver and the environment. The systems and methods may further include analyzing the data to generate data representative of an individual insurance risk. The systems and methods may further include presenting the data representative of the individual insurance risk to an individual.

Abstract: Techniques are described for determining account features based on a risk assessment. A first set of account features may be determined, including security feature(s) such as mode(s) for authenticating and/or verifying the identity of a user associated with account(s). Based on the first set of features, a risk metric may be determined for the account(s). The risk metric may indicate a risk that fraud may be committed against the account or using the account. Based on the determined risk metric, a second set of account features may be determined for the account(s). The first and second sets of account feature(s) may be applied to the account(s). Disabling a particular feature may cause a reevaluation of the risk metric and a redetermination of the feature sets to be applied to the account(s).

Abstract: Logic may detect fraudulent transactions. Logic may determine, by a neural network based on the data about a transaction, a deviation of the transaction from a range of purchases predicted for the customer, wherein the neural network is pretrained to predict purchases by the customer based on a purchase history of the customer. Logic may compare the deviation of the transaction from purchases predicted by the customer against a deviation threshold to determine whether the transaction is within the range of purchases predicted by the neural network. Logic may generate a notification in response to a determination that the deviation of the transaction from the range of purchases predicted exceeds a deviation threshold, the notification to identify the transaction as a potentially fraudulent transaction. Logic may train the neural network based on the transaction in response to a determination that transaction is not a fraudulent transaction.

Abstract: The present disclosure generally relates to transaction user interfaces. In some examples, a user is notified if there is an error with transaction parameters and the device determines whether potentially compatible transaction parameters are available on the electronic device. In some examples, the user is notified if there is an error with transaction parameters and the user is prompted to use another device to enter new transaction information.

Abstract: Systems and methods are disclosed for making disbursements to one or more consumers via a hosted disbursement system. In accordance with an embodiment, a method can comprise receiving, at a merchant service provider, a request to make a disbursement to a consumer from a merchant. The request can be received from a merchant server and include disbursement information corresponding to the disbursement. The method can further comprise receiving, at the merchant service provider, a selection of a distribution option from the user, which corresponds to a type of account to receive the disbursement. The method can further comprise receiving, at the merchant service provider, account information from the consumer. The account information is sent to the merchant service provider from a user device, bypassing the merchant server. The method can further comprise processing the disbursement using the account information to transfer funds corresponding to the disbursement to the consumer.

Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.

Abstract: A method for providing user content may obtain multiple fields. The method may generate, by a user content flow driver, a priority field list for an application workflow. The method may sort the fields based on the priority field list to obtain sorted fields. The method may select a next field from the sorted fields to obtain a selected next field. The method may generate content based on the selected next field. The method may transmit, to a user experience player, the generated content.

Abstract: Embodiments include a system providing sensor feedback for property condition monitoring, including: a plurality of sensors disposed in a roof structure of a property; the plurality of sensors providing output indicative of ice formation associated with the roof structure; a hub device that receives output from the plurality of sensors, the hub device detecting at least one sensor output indicative of ice formation and providing a notification regarding the ice formation; a computing device of an insurance carrier that receives the notification, the computing device updating a status of the property in an insurance carrier database in response to the notification; and a communication link between the plurality of sensors, the hub device and the computing device of an insurance carrier. Other aspects are described and claimed.

Abstract: Methods, systems and computer-readable storage media are provided for controlling operation of a trading algorithm based on operating condition rules. Certain embodiments provide a method including determining, using a computing device, an approval of use of a trading algorithm by monitoring for an occurrence of an operating condition defined in an operating condition rule. The example method includes determining if the trading algorithm complies with the operating condition rule during the occurrence of the operating condition. The example method includes sending, using the computing device, a notification to a trading instrument to approve or not approve the use of the trading algorithm. The trading algorithm is to be used to implement a trading strategy.

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 system may be configured to initiate a presentation of a user interface to the user; receive, via the user interface, a user selection of a life event; initiate a presentation of an event information user interface to the user; receive, via the event information user interface, life event information associated with the life event selected by the user; retrieve information associated with the life event selected by the user from substantially similar life events; calculate, in real-time, a life event score associated with the life event selected by the user, wherein the life event score is calculated based on at least a retirement score, the received life event information and the information retrieved from the substantially similar life events; and illustrate, via a retirement score interface in a user device, the retirement score and an impact of the at least one life event selected by the user.

Abstract: A method, system, and apparatus for facilitating a payment transaction is disclosed. A server receives an event-setup request from an event organizer to set up an event-based payment session to obtain payments for one or more attendees of a subsequent event. In response to receiving the event set-up request: the server sets up the event-based payment session in accordance with the event-setup request; and provides a payment invitation corresponding to the payment session to each of one or more invitees of the subsequent event in accordance with the event-setup request. The server then receives from at least a first invitee of the one or more invitees, a conditional acceptance to the payment invitation, the acceptance being conditioned on one or more predefined criteria.

Abstract: Embodiments include a system providing sensor feedback for property condition monitoring, including: a plurality of sensors disposed in a roof structure of a property; the plurality of sensors providing output indicative of ice formation associated with the roof structure; a hub device that receives output from the plurality of sensors, the hub device detecting at least one sensor output indicative of ice formation and providing a notification regarding the ice formation; a computing device of an insurance carrier that receives the notification, the computing device updating a status of the property in an insurance carrier database in response to the notification; and a communication link between the plurality of sensors, the hub device and the computing device of an insurance carrier. Other aspects are described and claimed.

Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.

Abstract: A computing apparatus includes: a data warehouse storing first data representing a personal privacy policy of a user; a portal coupled between merchant systems and points of interaction of users; and a transaction handler coupled between acquirer processors and issuer processors. The portal and the transaction handler are configured to shield user data, such as address, account information, etc., from the merchant systems in accordance with the personal privacy policy of the user.

Abstract: Systems and methods are disclosed for making disbursements to one or more consumers via a hosted disbursement system. In accordance with an embodiment, a method can comprise receiving, at a merchant service provider, a request to make a disbursement to a consumer from a merchant. The request can be received from a merchant server and include disbursement information corresponding to the disbursement. The method can further comprise receiving, at the merchant service provider, a selection of a distribution option from the user, which corresponds to a type of account to receive the disbursement. The method can further comprise receiving, at the merchant service provider, account information from the consumer. The account information is sent to the merchant service provider from a user device, bypassing the merchant server. The method can further comprise processing the disbursement using the account information to transfer funds corresponding to the disbursement to the consumer.

Abstract: A computer-implemented method for determining modeled roof age of a structure is provided. Such methods comprise identifying a target structure for which an estimated roof age is desired, receiving data related to the target structure in computer-readable form, and inputting the data related to the target structure into a generalized linear model to determine a Per-Property Modeled Roof Age of the target structure. The modeled roof age preferably accounts for (i) the height of the trees, (ii) the proximity of the trees to the target structure, and (iii) the weather conditions for the structure's geographic location. Such methods can be applied in practice by substituting a typically inaccurate reported roof age with a more realistic modeled roof age in making homeowners insurance decisions.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.

Abstract: A routing device for routing an electronic order data message is provided. A storage medium stores a routing table and a transceiver communicates with a first set of computing nodes, a first electronic trading platform, and a second set of electronic trading platforms. An electronic order data message and an updated financial data message feed are accepted at the routing device. The marketable or non-marketable operation state of the electronic order data message is determined from the updated financial data message feed. The electronic order data message is then routed based on a selected routing strategy and a selected destination address. A non-marketable operation state routes the electronic order data message to the first electronic trading platform. A marketable operation state routes the electronic order data message to at least one of the second set of electronic trading platforms.

Abstract: A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user.