Abstract: During a communication session with a caller, a representative can enter information into a claim loss reporting tool to generate a loss report associated with an insurance claim. A dialogue advisor can cause the claim loss reporting tool to suggest questions that the representative should ask, and/or actions the representative should take, during the communication session. The dialogue advisor can make such suggestions, during the communication session, based at least in part on confidence levels of simulated destination predictions that correspond with destination predictions a claim router would make according to the same information associated with the loss report.

Abstract: A system and method for ensuring the authenticity of imaged documents by embedding data into the images of such documents. The embedded data can then be extracted and decoded, and used to determine whether a particular document may be fraudulent. The documents may be checks, money orders, contracts, invoices, titles or other legal documents that may need to have their authenticity confirmed to prevent, for example, forged or otherwise false documents from being accepted as genuine.

Abstract: A planning engine for a financial planning system including at least one processor is provided. The at least one processor is programmed to receive user profile data and account data, assign an asset class weight to each of a plurality of asset classes associated with the account data, and retrieve an expected asset class return, an asset class standard deviation, and an asset class covariance. The processor is also programmed to generate a portfolio data object for each of the plurality of future years wherein the portfolio data object calculates (i) an expected portfolio return across the plurality of asset classes and (ii) a portfolio standard deviation across the plurality of asset classes. The processor is further configured to pass the portfolio data object to a monte carlo return object, receive, from the monte carlo return object, a matrix, and return an account projection derived from the matrix.

Abstract: Provided is a multi-card having a fingerprint input unit and a payment method using the same, and the multi-card includes a secure element adapted to allow multiple pieces of card information issued to the same card service to match each of a plurality of fingerprints to thus store the matching results therein and a fingerprint input unit for receiving the plurality of fingerprints inputted thereto, wherein the secure element produces transaction response information having one piece of card information activated according to the fingerprint information inputted to the fingerprint input unit.

Abstract: A graphical user interface for a financial planning system includes at least one planning engine in communication with a database storing user profiles for a first and second plurality of users registered respectively for a first and second service level. An introductory page displays, to the first and second users, a top level menu and a comparison of an estimated retirement income amount to a user goal. The top level menu appears in a substantially identical format and location, and the first comparison appears in a substantially identical format and location, to the first and second users. The introductory page also displays, to the first and not the second users, an enrollment link operable to enable registration for the second service level. The introductory page further displays, to the second and not the first users, a dashboard link operable to open a dashboard page for the second level of services.

Abstract: A graphical user interface for a financial planning system includes a dashboard page that includes an estimated income widget. The estimated income widget includes a comparison of an estimated retirement income amount to a user goal. The GUI is programmed to call at least one planning engine to generate the comparison based on a respective user profile. The GUI also includes an opportunity rules engine programmed to identify, based on the respective user profile and without calling the at least one planning engine, one of an ordered list of candidate modifications. The dashboard page further includes an opportunity area including (i) a message recommending the identified candidate modification, and (ii) an associated jump link to a page of the GUI enabling the respective user to execute the identified candidate modification.

Abstract: A system and method for online payment are described. The method includes receiving, from a vendor server, a payment amount, an identifier of a user and an identifier of a vendor; sending an indication of a payment to a user device associated with the identifier of the user; receiving, from the user device, a confirmation of the payment; receiving, from the user device, supplementary information generated when or after the user confirms the payment; determining legitimacy of the transaction based on the supplementary information; and making the payment from a financial account associated with the user identifier to a financial account associated with the identifier of the vendor if the transaction is legitimate.

Abstract: Disclosed herein is a digital lending platform with integrated product, pricing, and eligibility. The digital lending platform includes, in some embodiments, one or more server hosts supporting an application stack of the digital lending platform. The application stack includes a loan-product database, a pricing algorithm, and an eligibility rules engine. The loan-product database includes each loan product of a number of loan products offered through the digital lending platform. The pricing algorithm is configured to determine a price for each loan product of the number of loan products. The eligibility rules engine includes eligibility rules for each loan product of the number of loan products. Also disclosed herein is a computer-implemented method of the digital lending platform with the integrated product, pricing, and eligibility.

Abstract: Disclosed are various embodiments for verifying a consumer's identity during card-not-present (CNP) transactions using biometric data (e.g., fingerprint, retina scan, iris scan, handprint, voice sample, face scan, etc.) of the consumer obtained using a biometric security device. A zero-knowledge proof algorithm is used to verify the identity of a user initiating a transaction without disclosing personal information (e.g., biometric data) of the user to the issuer, merchant, recipient and/or other party, thereby preserving the privacy of the user.

Abstract: A graphical user interface (GUI) for a financial planning system includes at least one planning engine in communication with a database storing participant profiles for a plurality of participants each having a respective financial account. A dashboard page displays, to an advisor, an account-snapshot widget, a recommended-estimated-income widget, and a current-estimated-income widget. The GUI is programmed to call the at least one planning engine to generate (i) recommended values for the at least one investment composition field and the savings-rate field, based on first values for a salary field, an expected-time-of-retirement field, and a participant goal field, and (ii) a first comparison, based on the recommended values for the at least one investment composition field and the savings-rate field and the first values for the expected-time-of-retirement field and the participant goal field.

Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.

Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can retrieve real time enriched transaction data to calculate account summary information, including current account balances and projected future account balances. The system can also be used to provide real time notifications to customers using enriched transaction data.

Abstract: A computer system for providing reimbursement controls to insurance policies is provided. The computer system may include a processor in communication with a memory device.

Abstract: A computing system including a processor in communication with a memory device for generating a predicted one or more values of personal property items associated with a candidate user enrolling in an insurance policy may be provided.

Abstract: A method of using biometric verification comprises identifying a validation requirement during the execution of a non-voice channel interaction, and initiating a contact to the user, at a pre-registered device. The method further comprises executing a biometric verification of the user's identity and possession of the device, via a user interaction at the pre-registered device, and providing the validation when the user is successfully identified.

Abstract: A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

Abstract: Disclosed are the methods and systems for transferring value from a first account to a second account via a consumer device. The methods may be consumer or merchant driven and may involve transferring value to peers, oneself, or a third party account holder with or without the creation of a user account. Based on information input by a user, various financial systems interact in a manner that results in creation of an escrow account and effectuates transfer of value from a funding account through that escrow account to a receiving account. Such novel methods allow for previously unavailable transfers of value.

Abstract: Disclosed are the methods and systems for transferring value from as first account to a second account via a consumer device. The methods may be consumer or merchant driven and may involve transferring value to peers, oneself, or a third party account holder with or without the creation of a user account. Based on information input by a user, various financial systems interact in a manner that results in creation of an escrow account and effectuates transfer of value from a funding account through that escrow account to a receiving account. Such novel methods allow for previously unavailable transfers of value. In certain embodiments, the methods and systems also encompass creation of a digital equivalent of the value and using the digital equivalent to make payments at as point of service.

Abstract: A system for movement-based device control is presented. The system may include a target device and a control device. The control device may be configured to determine an indication of the target device. The control device may also be configured to detect at least one movement associated with the control device. The movement(s) may correspond to at least one control command associated with the target device. The control device may additionally be configured to generate a control signal indicative of the control command(s) associated with the target device based on the movement(s) associated with the control device. The control device may also be configured to transmit the control signal indicative of the control command(s) associated with the target device to the target device based on the indication of the target device so that the target device is controlled according to the control command(s).

Abstract: A computer-implemented method comprising receiving a transaction request from a merchant server. In response to receiving the transaction request, the method includes requesting authentication from a computing device associated with a user payment account and a requesting that a merchant re-submit the transaction request. The method includes receiving an authentication parameter from the computing device, and determining that the authentication parameter matches an authentication parameter of the user payment account. The method includes receiving a re-submission of the transaction request from the merchant server and, based on the determination that the authentication parameter received from the computing device matches the authentication parameter associated with the user payment account, approving the transaction request.