Abstract: One or more Bluetooth® low energy (BLE) beacons in communication with a remote server that provides check in capabilities and payment capabilities may be installed at a location. The BLE beacons may connect with a user's mobile device when the user enters the location and allow the user to check in to the location and authorize payments to be made at the location. Once the user is checked in to the location, the user may be provided with additional functionality, benefits, offers, and applications related to the location and facilitated by the check in. Further, the user may be pre-checked in into a next location when the user is at a current location.

Abstract: The present disclosure relates to making payments with a mobile device. In one example process, the mobile device receives and stores information for one or more payment accounts on the mobile device. The mobile device is used to make payments using the payment accounts. In some examples, authorization to proceed with a payment is performed before each purchase made by the user. The authorization process can include receiving a verification of the user, such as a fingerprint scan or passcode. In some examples, a payment account is selected from among available payment accounts. In some examples, an indication is displayed of a digital item associated with a purchased item. In some examples, a payment transaction is initiated with participants of an ongoing communication. In some examples, an application of a retailer is invoked based on the availability of the application. In some examples, a purchase recommendation is provided.

Abstract: Embodiments enable a system operatively connected with a block chain distributed network to use the block chain distributed network for validation (i.e., authorization) of a payment transaction. The system receives a transaction record associated with a payment transaction, wherein the transaction record comprises transaction data indicating a payor, a payee and an amount; accesses a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network; and, using payment transaction logic, determines whether the transaction record represents a valid transaction by, e.g., communicate the transaction record to a validating node for validation of the transaction record. Once validated, the system (or validating node) communicates validation of the transaction record to the block chain distributed network, e.g.

Abstract: Apparatus and methods for determining a surcharge yield are provided. A surcharge behavior may be monitored during a time period. A change in a first performance metric may be monitored during the time period. A change in a second performance metric may be monitored during the time period. A relationship between the surcharge behavior, the change in the first performance metric and the change in the second performance metric may be determined. The surcharge yield may be determined based on the relationship. Apparatus and methods for adjusting a transaction cost recovery amount are provided. A rate of change in a transaction volume may be monitored. The transaction volume may be associated with a merchant location. When a threshold rate of change is detected the transaction cost recovery amount may be adjusted.

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: Enforcing payment card policies using a financial institution agent coupled to a payment processing network. The advisory device intercepts messages directed to an authorization element at an authorizing bank, modifies the intercepted messages in response to a set of financial policy rules, and forwards the intercepted messages to the authorization element. The authorization element responds to any modifications made by the financial institution agent, and issues a grant or a denial of of authorization in response. The financial policy rules include a set of policy limits for use of the payment card, responsive to card usage type, merchant type and location, amount per transaction (or for a selected duration), number of transactions, and combinations thereof Financial policy rules can include side effects, including notifications or two-step authorization (with the cardholder or a monitoring party), transaction records, and combinations thereof.

Abstract: An electronic trading system utilizes a Match Engine that receives orders, stores them internally, calculates tradable combinations and advertises the availability of real and implied orders in the form of market data. New tradable items defined as combinations of other tradable items may be included in the calculation of tradable combinations. The disclosed embodiments relate to detection of market conditions where identification of implied opportunities may, for example, subvert real orders resulting in undesirable effects. Under circumstances where such undesirable effects are likely to occur, identification of implied opportunities may be delayed thereby allowing market forces to attempt to resolve the aberrant market conditions and avoid the undesirable effects.

Abstract: Disclosed is a method including receiving user credentials from a user device by a server system. The user credentials are authenticated by the server system. A token is transmitted to the user device by the server system. A plurality of transaction requests, each including a transaction amount and the token, are received by the server system from the user device. The server system utilizes the token to determine whether to approve each transaction request until the token expires. These steps are repeated after the token has expired.

Abstract: A variety of user interfaces, systems and methods are provided for traders of commodities, futures contracts, derivatives, stocks, etc. A user interface may have two display modes, locked and unlocked. In the locked mode, some or all of the data fields (price, bids, offers—optionally bids and offers not exposed to the market) are locked. In the unlocked mode, all the data fields, including the price column, are dynamically updated. In a second embodiment, a price column is divided such that prices above the market are in a first column and prices below the market are in a second column to reduce the number of columns required to show bids, offers and prices. Optionally, the trader's bids and offers not exposed to the market can be shown in columns adjacent to the market bids and offers. In a third embodiment of the invention orders are cancelled if the market changes within a short period of time before the order is placed and the change does not benefit the user.

Abstract: A customer uses a mobile device to verbally request an offer that includes an incentive to transact at a merchant's brick and mortar store in the customer's local community in exchange for the merchant's agreement to make an auditable donation to a charity serving the local community. Business rules limit the merchant's charitable donations over calendar periods, which donations can be made directly by the merchant to the community charity, or indirectly to the charity by way of a blind donation made by the merchant to a donation disbursement agency acting on the merchant's behalf to satisfy the merchant's commitment to donate.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for processing of electronic files using multiple technology applications in a distributed network. Specifically, the present invention is directed to establishing technology applications and/or platforms as participants on block chain framework for direct and real-time visibility into discreet processing events associated with the processing of the electronic files. In some embodiments, the invention enables tracking and monitoring of end-to-end processing status during processing of the electronic files in real-time, without requiring transmission of electronic file data between applications, while allowing for compatibility of data in multiple formats, and hence executing end-to-end processing of electronic files.

Abstract: A computer system for validating user data based on third party data includes a system configured to obtain data, from third party computer systems, such as academic institution computer systems and job agency computer systems, indicative of graduation, subsequent unemployment and reasonable job search by an insured, relating to claim payments to cover interest or interest and principal repayment on tuition debt for a period of time after a student graduates, subject to the student engaging in a reasonable job search, with insurability and pricing based on underwriting factors such as type of school attended, grade point average and area of study.

Abstract: Among other things, embodiments of the present disclosure may be used to enable multiple entities having interests in an event (such as a transaction) to receive and view information related to the event. Entities may receive alerts and status information related to different aspects of a transaction or other event.

Abstract: The invention provides a method and system for a financial institution for capturing the business of a financial services customer. The system may include a data access system for obtaining and storing data; and an analysis system for processing the data. The analysis system (1) selects a study group of customers from the data; (2) observes the study group so as to produce a profile of each study group customer's financial information; (3) produces a mathematical representation of an interrelationship between study group customers' profiles and the data; (4) applies the mathematical representation to customers not within the study group in order to estimate those customers' profiles; (5) identifies a portion of the customer's monetary flow eligible to be conducted through the financial institution, the identification based in part on the customer's profile; and (6) does not require direct input from the customer.

Abstract: A system, method and apparatus for cross-jurisdictional internet enforcement are provided. An intermediation server receives data indicative of on-line communications between at least one communication device and at least one on-line sales presence, determines that the data indicative of the on-line communications is associated with legal data associated with the on-line sales presence and when the legal data meets a given criteria, triggers remedial legal action.

Abstract: A monitoring system can monitor computing processes in clouds. The monitoring system can verify software license compliance in the computing processes instantiated in the clouds. The monitoring system can generate and maintain a software license knowledge base. The software license knowledge base can include the software license requirements for various software programs. To generate the software license knowledge base, the monitoring system can communicate with various sources (software vendors, clouds, publicly available sources, etc.) to determine license requirements for the various software programs.

Abstract: Image-based processing of sources of financial information for financial transactions is provided. A device is enabled to acquire one or more images including a representation of a source of financial information. The device can validate the source, independent of the financial information in a preliminary analysis. If the source is validated, one or more images are used to acquire the financial information. The financial information is then validated. If the financial information is valid, authorization of the financial transaction can be initiated.

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: Systems, computer program products, and methods are described herein for a system for using the block chain distributed network for managing transaction history of unbanked and underbanked users in a process data network. The present invention is configured to electronically receive an indication from a computing system associated with a first user that the first user has executed a transfer of resources with a second user; retrieve information associated with the transfer of resources from the first user; retrieve information associated with a block chain of user information associated with the first user; transmit a notification to a computing system associated with the second user to validate the transfer of resources; receive an input from the second user validating the transfer of resources; and update the block chain of user information with the validated transfer of resources based on at least receiving the input from the second user.

Abstract: Disclosed are various embodiments for browser-based payment for content. A first request for content is sent to a network content server. A response protocol header is received indicating that a payment is sought for the content in response to the first request. Payment manager code integral to a browser or a browser plug-in is executed in response to receiving the response protocol header. A payment-signifying token is received from a payment provider in response to consummating the payment. A second request for the content is sent to the network content server, where the second request includes a request protocol header specifying the payment-signifying token. The content is received from the network content server in response to the second request.