Abstract: Techniques are described for managing a network through use of a security device that includes, or has access to, a blockchain node. The security device may manage a network of Internet-of-Things (IoT) devices in a home or other environment. The security device may act as an intermediary to manage secure, trusted communications between the IoT device(s) and external service(s). The security device may also provide network security features such as a network firewall. In some implementations, the security device may run a blockchain node, and the blockchain could be used to establish a verifiable home identity. The security device may interact with external resources and/or services, such as utility services, e-commerce services, and so forth, through this secure mechanism.

Abstract: Provided herein are systems and methods for provisioning a gift. The method includes receiving, with at least one processor, a request to provision a gift, the request comprising a uniform resource locator (URL) corresponding to a network location associated with a merchant and/or item, generating, with at least one processor, a modified URL configured to direct a user device to the network location associated with the merchant and/or item, the modified URL based on the original URL, an account identifier, and one or more account limits, and transmitting, with at least one processor, the modified URL to the user device, such that the user device is facilitated to engage in a transaction through the network location associated with the merchant and/or item using a payment account associated with the account identifier.

Abstract: A system and method are disclosed in which a symbol associated with an ATM of a plurality of ATMs is made available to a customer in response to a request for access to the ATM. The symbol identifies the ATM to the user in locations having multiple ATMs, thus avoiding confusion for the user. The symbol may be used for any of the possible transactions between the user and the ATM, such as balance inquiries, deposits, transfers, and cash withdrawals.

Abstract: A network of computing nodes and a method of operating the computing nodes effectuate, in real-time, an international, money transfer from the bank account of a first person (the payer) in a first country to the bank account of a second person (the beneficiary) in a second, different, country.

Abstract: A payment request is transmitted by a computing device to a merchant server. A message is received by the computing device and from a payment server different from the merchant server. The message includes a payment client application associated with the payment sever and the payment request. A notification, associated with the message, is displayed by the computing device. The payment client application is launched, by the computing device, based on a user selection in response to the notification.

Abstract: Payment technology companies are advancing technological solutions to facilitate payments between users and merchants. The complex architecture and software associated with payment technologies can be further improved by offering additional services to users. Some users may find it difficult or overly complicated to use payment technologies. As such, technological improvement are needed to make using payments technology easier, including adding the ability to make payments when funds are not available in an account, or to offer an advance funds transfer if the user would prefer not to use funds stored in a balance.

Abstract: A system and method for processing transactions. A unique transaction identifier is generated for each transaction. Processing of the transaction utilizes the unique transaction identifier.

Abstract: A method and system for providing real-time encrypted data alerts over secure networks. The method and system detect the improper duplicate data records and generate alerts that indicate the improper duplication. The systems encrypt the data alerts and transmit them to remote devices over private, secure networks to protect sensitive data contained in the alerts.

Abstract: The invention relates to a computer-implemented system and method for grading of a loan using chained confidence scoring. The method may comprise the steps of: scanning documents within a credit file for the loan, extracting attributes from the scanned documents and from electronic documents in the credit file, calculating a plurality of calculated attributes based on the extracted attributes, calculating a loan risk rating based on the calculated attributes and the extracted attributes, calculating an aggregated confidence value associated with the calculated loan risk rating, and enabling a user to modify the loan risk rating, the aggregated confidence value, and a number of chained confidence values. The confidence values input by the user are used as training data to train a chained confidence model and the chained confidence model is used to calculate the aggregated confidence value in connection with the automated grading of a loan.

Abstract: A method for a payment for an Internet of Things (IoT) device is provided. The method includes steps of: a payment supporting server (a) on condition that the payment supporting server has registered certificates of the IoT device, a service providing device, and a digital wallet, and manages corresponding blockchain transaction IDs and link information, if a billing transaction is acquired, validating the billing transaction including identification information on the service providing device and the IoT device, a billing detail, and a signature value; (b) acquiring identification information on the digital wallet corresponding to the billing transaction from the blockchain database; and (c) (i) paying the billing detail using the digital wallet, (ii) registering a payment result including a payment detail in the blockchain database and managing its blockchain transaction ID, and (iii) transmitting the payment result to the service providing device, the IoT device, and the digital wallet.

Abstract: A payment intermediary vaults credit card data of a consumer for regular, simplified payments to one or more merchants. Consumer authorizes intermediary to charge the credit card so that intermediary can, in turn, pay a selected merchant. Intermediary tracks the interchange fees incurred on the first card transaction (between consumer and intermediary) and then automatically selects a payment card account with a higher interchange rate than that incurred on the first card transaction to pay merchant.

Abstract: A method of processing a transaction includes receiving a site location code. Site configuration information corresponding to the received site location code is received from a database. That information includes more product record(s), each corresponding to a reservable product or a non-reservable product. A selection of one or more of the product records in the retrieved information is received. If any selected product record corresponds to a reservable product, a reservation command is produced. That command requests reservation of selected reservable product(s). A method of selecting a product includes receiving a location input and determining a site location code with it. The site location code is transmitted and one or more product records are received. Representations of one or more of the received product records are presented and a selection of products is received. An indication of the selection is transmitted.

Abstract: A method for collecting transaction history data and an associated terminal device. The method may include: collecting on-line, from a remote server (SV), first history data (DT) representative of at least one transaction associated with a user account (15); communicating contactlessly with a smart card (2), during which the terminal (T) recovers second history data (DH) stored locally in a memory (10) of the smart card, the second history data being representative of transactions processed by the smart card in association with the user account (15); and analyzing, during which the terminal (T) aggregates the first and second history data in order to obtain up-to-date history data. It is thus possible to generate transaction-following data from the up-to-date history data.

Abstract: The systems and methods described herein can identify meaningful relationships between variables, such as particular investments or general asset classes. Unlike conventional correlation analysis, these systems and methods provide an improved technique of comovement analysis that implements a threshold to eliminate data “noise” and then discretizes the remaining observations to normalize any outliers. Such comovement analysis has numerous advantages over known techniques for characterizing relationships between variables. In some embodiments, this improved comovement analysis can be used to calculate a covariance matrix for purposes of mean-variance optimized portfolio construction.

Abstract: Systems and methods are provided for processing and distributing market data. Critical data, such as data showing that a market price has changed is distributed without further delay. When the market data does not result in a change in a market price or does not meet another critical criteria, the market data is aggregated with market data for similar events and distributed when the aggregated market data passes a quantity threshold.

Abstract: Systems and method for splitting a bill offline include detecting one or more local devices using local wireless communications provided by a peer-to-peer communication module. At least one payer device of the one or more local devices is selected for apportioning a primary bill. An offline payment authorization is then received from each at least one payer device through local wireless communications provided by the peer-to-peer communication module. When an Internet connection is later detected, the system provider connects to the Internet and sends the offline payment authorization received from each at least one payer device to a payment provider device over the Internet. The payment provider device may then transfer funds from account(s) of the at least one payer device to the account of the system provider.

Abstract: The disclosed systems and methods make derivatives contracts based on an underlying virtual currency available for trading. Certain derivatives contracts have a settlement value based on the transaction fees associated with recording and/or performing transactions for the selected virtual currency. The contracts can be used, for example, by virtual currency miners against certain risks associated with mining virtual currency.

Abstract: A device receives image data that depicts a target that is subject to a security check, and receives transactional data identifying a characteristic of a transaction associated with the target. The device identifies the target within the image data and identifies a first set of target attributes of the target. The device determines a risk level that represents a likelihood of the characteristic of the transaction having a correct value by analyzing the set of target attributes using one or more attribute recognition techniques and/or using a data model that has been trained using machine learning. The device determines whether the risk level satisfies one or more threshold risk levels. The device provides an alert to another device cause the other device to perform actions based on whether at least one of the one or more threshold risk levels are satisfied.

Abstract: A system of optimizing a target result receives, by a client input server, a target result from a user, where the target result comprises at least one of a goal, and a statistical probability that the target result is achievable, and where the target result is to be achieved during a time period. The system compiles, by an output server, an interactive strategy comprising a timeline to achieve the target result. The system optimizes at least a portion of the interactive strategy by modeling at least one future performance model associated with the target result, and determining an optimal strategy for the target result comprising a target result value. The system renders the optimized interactive strategy, the statistical probability, and the target result for the user on a real-time interactive display, where the statistical probability is predictive of achieving the target results.

Abstract: A computer-implemented method includes: providing, by a merchant computing device, an offline payment request to a user device when the merchant computing device is disconnected from a payment server, wherein the offline payment request is provided via local communications between the user device and the merchant computing device; receiving, by the merchant computing device, a payment approval message associated with the offline payment request based on providing the offline payment request, wherein the payment approval message is received via the local communications between the user device and the merchant computing device; storing, by the merchant computing device, the payment approval message; and providing, by the merchant computing device, offline transaction information corresponding to the payment approval message to the payment server when connectivity to the payment server has been restored.