Abstract: Global positioning system (GPS) receivers, along with a user device with a camera, can be used to determine an elevation of a point of interest on or within a structure. The user device and a first GPS receiver can be located somewhere outside the structure from which the structure is clearly visible. A second GPS receiver can be located on, within, or near the structure. The user device receives location data from both GPS receivers and calculates a distance between the two. The user device then takes a digital photograph in which structure is visible and notes the photo capture angle. The user device then calculates the elevation of the point of interest trigonometrically using the calculated GPS distance and the photo angle. The user device can then automatically insert this information into associated documentation and transmit the same.

Abstract: There are provided systems and methods for shared authentication for limited use of an associated account based on user location and connected devices. A user may own a location where another user may visit or rent. The user may have a payment account that may be used with merchants to purchase items that are associated with the location or offered with use of the location. The user may set up the payment account to have a shared authentication mechanism with other users that utilize the location to allow the other users to pay for items using the payment account. The authentication mechanism may be a credential that may be pushed to a device of one or more of the other users when the other users are at or nearby the location or may be information of the other users that may be matched during transaction processing.

Abstract: A financial instrument trading system is provided which allows for the establishment and trading of cryptographic difficulty-based financial instruments using physical delivery of the underlying cryptocurrency. The cryptographic difficulty-based financial instruments are based on an expected value including the predetermined reward per block of cryptocurrency, a predetermined hashrate, a predetermined financial instrument length, the predetermined nonce value of the underlying cryptocurrency, and the current difficulty level employed by the underlying cryptocurrency, and may vary as the difficulty level varies. The clearinghouse settlement system calculates daily variation margin in valuation of the financial instrument and provides for physical delivery of the underlying cryptocurrency to satisfy the variation margin.

Abstract: Various techniques are disclosed for offloading the processing of data packets. For example, incoming data packets can be processed through an offload processor to generate a new stream of outgoing data packets that organize data from the data packets in a manner different than the incoming data packets. Furthermore, in an exemplary embodiment, the offloaded processing can be resident in an intelligent switch, such as an intelligent switch upstream or downstream from an electronic trading platform.

Abstract: This disclosure provides methods and systems for performing authentication in a virtual reality environment. In some implementations, the system receives a request for access to a virtual reality financial center requiring authentication from a user. The system can collect user identification information that identifies the user and verification information required to verify the user's identity via a virtual reality platform.

Abstract: An exchange through which swap contracts may be traded. Embodiments may allow a trader to announce a potential crossing before the crossing is requested. The user may then request the crossing between two parties. An announcement window may be kept open through a chaining of announcements. An interloper with a same price but better time than a party to the cross may be kept out of interloping in the cross. A ticker symbol system may list a clearinghouse to be used to execute a requested cross.

Abstract: The present disclosure is directed towards methods, systems and apparatuses for providing a human-machine interface and assistant that are particularly useful for financial trading and in researching trading opportunities in marketplaces that are otherwise difficult to research while taking into account a broad context of the query including past queries and specific preferences or restrictions of the user issuing the query. The present disclosure provides tools for interpreting voice queries and iteratively improving, through direct and inferred corrections, the translation and execution of queries for information and trading opportunities.

Abstract: A method of using a kiosk to dispense funds, a portion of which has a value less than the value of the lowest form of currency the kiosk dispenses. The method may include receiving information at the kiosk identifying a source for the funds and transmitting a request to a host computer to verify the source for the funds. The method may include receiving at the kiosk a verification of the funds and displaying on a display screen an amount of funds available for payment. The method may include receiving at the kiosk a request from a user to remit a first portion of the amount of funds in a first form, wherein the first form is selected from a group consisting of paper currency, money order, credit to an account, and credit to a stored value card.

Abstract: A method of performing block generation may include receiving a request from one or more sources that includes task data associated with one or more tasks for an economy, context information, and an indication of a blockchain of a blockchain matrix to which the task data pertains. The method includes determining whether the task data corresponds to a qualifying transaction for the economy for recording in the blockchain and, if so, determining whether to approve recordation of the qualifying transaction to the blockchain. In response to approving recordation of the transaction, generating a new block for the blockchain that includes the qualifying transaction, and adding the new block to the blockchain.

Abstract: Systems and methods may incorporate machine learning techniques to evaluate the extent of damage caused to vehicles involved in an accident. The system will receive photos of a vehicle involved in an accident and retrieve data from a number of different sources and use the data to calculate the cost of repair for the vehicle. Data sources can include information of vehicles involved in similar accidents, information of similar vehicles involved in accidents, virtual reality models of vehicles obtained from a database provided by the manufacturer, etc. The system will continuously update machine learning algorithms by comparing calculated damage to actual repair costs and further update the appropriate databases.

Abstract: Provided, in an aspect, is a method for performing a peer-to-peer transaction with a graphical construct on a first mobile device including a processor. The method includes receiving, by the processor, a user input for performing the peer-to-peer transaction; capturing, by the processor, one or more user intents of the received user input; determining, by the processor, an expressive element in accordance with the captured one or more user intents; generating, by the processor, the graphical construct from a customization of the expressive element; and performing, by the processor, the peer-to-peer transaction with a second mobile device in communication with the first mobile device by presenting the generated graphical construct. In some embodiments, capturing one or more user intents of the received user input is based on natural language processing (NLP).

Abstract: Techniques for prediction of financial instrument returns, identifying statistical history, the discovery of pricing anomalies, and financial instrument visualization are disclosed. In one particular exemplary embodiment, the techniques may be realized as a method for identifying financial instrument returns and pricing anomalies including matching, using at least one computer processor one or more portions of current market data associated with a financial instrument with historical market data, averaging outcomes of matched historical market data, and providing a probabilistic outcome for financial instrument returns, pricing anomalies, or other metrics based on the matched historical market data and the current market data.

Abstract: Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account for a merchant without the merchant's consent. The system identifies a request from a customer to purchase the open loop prepaid gift account which can be used to make purchases at the merchant, presents a menu from which the customer can select the merchant, receives a selection of the merchant and, based on the selection, presents an option to load funds onto the open loop prepaid gift account. Upon receipt of payment, the system creates the open loop prepaid gift account and loads the open loop prepaid gift account with an amount of money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card. The system also prints on the physical card a statement suggesting that the customer can use the physical card to make purchases at the merchant.

Abstract: An artificial intelligence fraud management solution comprises an expert programmer development system to build trainable general payment fraud models that integrate several artificial intelligence classifiers like neural networks, case based reasoning, decision trees, genetic algorithms, fuzzy logic, and rules and constraints. These are further integrated by the expert programmers and development system with smart agents and associated real-time profiling, recursive profiles, and long-term profiles. The trainable general payment fraud models are trained with supervised and unsupervised data to produce an applied payment fraud model. This then is applied by a commercial client to process real-time transactions and authorization requests for fraud scores.

Abstract: Methods and systems for monitoring use and determining risks associated with operation of a vehicle having one or more autonomous operation features are provided. According to certain aspects, a virtual log of data regarding performance of the features in a virtual test environment may be recorded during operation of the vehicle. This may include information regarding the vehicle, the vehicle environment, use of the autonomous operation features, and/or control decisions made by the features. The control decisions may include evasive maneuvers performed by the vehicle under the control of the features. The performance data in the virtual log may be used to determine risk levels associated with vehicle operation by the autonomous operation features. The risk levels may further be used to adjust an insurance policy associated with the vehicle.

Abstract: A computer implemented system and method for facilitating a consumer's purchase transaction via a merchant's foreign website utilizes a stored value card transformation computer to convert a stored value card to a different denomination for utilization in another country. An exchange computer retrieves a value rate to calculate the currency different and a time-limited quote is generated which may be transformed into active stored credit in the selected denomination.

Abstract: A system of these teachings for providing a graphical activatable link (also referred to as a badge) related to a activity includes a handheld mobile communication device, and a web site server configured to receive information from the handheld mobile communication device.

Abstract: This disclosure relates to blockchain smart contract-based data processing. In one aspect, a method includes obtaining, by a node in a blockchain network in which a service smart contract is deployed, a service initiation transaction. The service initiation transaction is broadcast to other nodes. While executing the service initiation transaction, the service smart contract is invoked using a blockchain virtual machine that includes a first instruction set comprising a data exchange instruction and processing logic corresponding to the data exchange instruction. The node triggers execution of the processing logic based on the data exchange instruction in the service smart contract using the blockchain virtual machine, thereby performing a data exchange processing operation on data to be processed. A second instruction set of a smart contract compiler includes the data exchange instruction. The service smart contract is compiled using the smart contract compiler and includes the data exchange instruction.

Abstract: The disclosed embodiments relate to systems and methods for triangulation of options and futures. An exchange receives a volatility quoted order. The system attempts to match the order within a volatility order book. If there is a match, the system attempts to mitigate the risk of the order by implying an order into the futures market. If there is not a match, the system implies an order into a premium quoted option order book. The exchange automatically maintains the order based on changes in the underlying futures market and a stored quoting model.

Abstract: A mobile banking system and method allows an unbanked individual to engage in banking practices that would otherwise not be available to the individual due to the individual not having a bank account and not being able to cash checks, make deposits, etc. The mobile banking system allows the unbanked individual to create a registered system account and become a customer of the system. This system account allows the customer to make deposits at credit unions and merchants who are part of the mobile banking system. The customer can also withdraw funds from a merchant or make purchases from a merchant. The customer can also make donations to a desired donation receiver and create a wallet that allows the customer to allocate funds to cards in the wallet and allow individuals access to the cards and money associated with a card.