Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.

Abstract: Systems, computer-implemented methods, and computer program products to facilitate contextual comparison of semantics in conditions of different policies are provided. According to an embodiment, a system can comprise a processor that executes computer executable components stored in memory. The computer executable components can comprise a comparison component that contextually compares semantics of conditions in policy data of different policies based on a feature of at least one entity. The computer executable components further comprise a contextualization component that employs a model to provide a contextual explanation of how a first condition in first policy data of a first policy is semantically different from a second condition in second policy data of a second policy based on the feature of the at least one entity.

Abstract: An adaptive mapping (AM) computing device having at least one processor in communication with at least one memory device is provided. The AM computing device may be configured to retrieve a plurality of tasks associated with a user, and retrieve geographic mapping data. The AM computing device may also generate a route model based upon the retrieved plurality of tasks and the retrieved geographic mapping data. The AM computing device may execute the route model to determine an optimal route, and transmit, to the user, an optimized travel plan based upon the optimal route.

Abstract: An information processing device acquires related information related to support information for supporting safe driving of a vehicle transmitted from the vehicle to one or more apparatuses among a roadside unit, another vehicle, and a mobile terminal device, and calculates a score of an owner of the vehicle based on the related information.

Abstract: A vehicle insurance system includes: a registration unit that registers a subject vehicle including a power storage device and a subject period in response to payment of an insurance premium for the subject period when the subject vehicle is sold; a ranking unit that ranks a purchaser of the subject vehicle based on vehicle usage information about vehicle usage of the purchaser; an insurance premium determination unit that determines at least one of the insurance premium for the subject period and a renewal fee for extending the subject period, based on a rank of the purchaser; and an insurance benefit determination unit that determines an insurance benefit compensating for at least a part of a loss of asset value of the power storage device due to degradation of the power storage device, when the subject vehicle is sold within the subject period.

Abstract: The present solution is generally directed to dynamic state-driven centralized processing that manages remote procedure calls. In particular, the present solution can reduce the number of remote procedure calls by selecting and applying multiple processing scripts for a single electronic transaction based on a real-time condition, and provide dynamic-state-driven processing.

Abstract: Method and systems for monetizing financial brokerage accounts are disclosed. One aspect for certain embodiments includes mining data from financial brokerage accounts and monetizing the mined data and providing to the customer an unlimited number of free trades for an unlimited period of time.

Abstract: A system and method for third-party food and dining ordering control, comprising at least one device capable of accessing the internet which may be a mobile device or personal computing device such as a laptop or desktop, a web application, and a point-of-sale system at a restaurant or retailer, wherein users of the web application may deposit funds into an account and set regulations on what they may purchase with the deposited funds, or have an administrator set up an account for them such as a parent setting up an account for a child or a doctor setting up an account for a patient, allowing the parent or doctor or other administrator to regulate what the sub-user such as the child or patient may purchase, in keeping with budget, diet, and lifestyle restrictions, and which may utilize zero-step authentication to allow for seamless use of the service at certain establishments.

Abstract: A merchant data breach process comprises processing daily payment transaction data with a risk and compliance platform to obtain a fraud score for each constituent transaction. Constituent transactions with high risk fraud scores are sorted into a table according to the transaction date, cardholder, and merchant. The table data is scored according to suspected card visits, highly probable visits, and all card visits. The scores are normalized according to merchant size grouping through the use of multipliers. The normalized scores are summed together day-by-day into a final score. A timely warning of an underlying and expanding security rupture caused by a merchant data breach is issued for damage control and law enforcement.

Abstract: Applying funds is disclosed. A set of interfaces for configuring filtering criteria and receiving user configurations of the filtering criteria is displayed. Fund information pertaining to a fund that is to be applied to one or more receivables under an insurance policy account is received. A set of eligible receivables is identified based on filtering information included in the fund information and a set of preconfigured filtering criteria. A set of ranked receivable partitions to which the fund is applied is established based on a set of preconfigured priority criteria and using the fund information and information associated with the set of eligible receivables. The fund is applied to the ranked receivables partitions according to the rankings.

Abstract: Disclosed embodiments include systems, vehicles, and methods for ensuring an insurance policy is in place to cover use of a vehicle by an authorized user. In various embodiments, a computing device associated with the vehicle executes computer-executable instructions to determine an identity of a user seeking to operate the vehicle and whether an insurance policy associated with the vehicle covers operation of the vehicle by the user. Responsive to a determination that the user is not associated with the insurance policy covering the use of the vehicle, operation of the vehicle by the user is enabled in response to a further determination that the user is covered by an existing insurance policy associated with the user that provides coverage for the operation of the vehicle by the user and an on-demand insurance policy secured by the user that provides coverage for the operation of the vehicle by the user.

Abstract: A method and an apparatus for identifying a transaction risk are disclosed. The method includes obtaining risk identification information of a sub-network to which a node relating to a transaction to be identified belongs; and identifying a risk of the transaction to be identified based on the risk identification information of the sub-network to which the node relating to the transaction to be identified belongs, wherein the sub-network is a network acquired by partitioning a relationship network based on connectivity, the relationship network is a network built up with entities and activities relating to a plurality of transactions.

Abstract: A zero-step authentication system and method which uses wireless mobile devices to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.

Abstract: A computing system includes a first computing platform and a virtual exchange computing platform, where the first computing platform provides an application and a first electronic value token and the virtual exchange computing platform is communicatively coupled to the first computing platform. The virtual exchange computing platform receives the information corresponding to the first electronic value token and calculates, via API functions linking to banking as a service (BaaS) functionality processed by a valuation computing platform, a valuation of the first electronic value token. The virtual exchange computing platform causes presentation, via a network and on a first user device, a user interface screen presenting a visualization of a value of the electronic value token and comprising an input and triggers, based on a received trade input from the user interface, a virtual exchange of value involving the first electronic value token.

Abstract: In a method of providing funds to a monetary repository, information is received identifying a payee and request by the payee to convert a negotiable instrument made to the payee to funds. In response to the information, confirmation is received whether to convert the negotiable instrument to funds. An image of the endorsed negotiable instrument is received. If a determination is made to convert the negotiable instrument to funds, an amount of funds corresponding to a value of the negotiable instrument is directed to a repository.

Abstract: Computer-implemented systems and methods enhance a user's sophistication as she/he reviews complex information sources using specialized detective tools provided by a user interface of the computer system. The specialized investigative inquiries are stored in a database and are particularly tailored a priori by a subject-matter content designer for the type of documents being reviewed for risk and opportunity. The investigative scripts are organized into to a path of risk-related subjects or topics, and within each path of subjects/topics the investigative scripts are organized into a specialized inquiry or flow chart.

Abstract: Disclosed are a computer implemented method and system for determining a likelihood of a prospective client to engage in a real estate transaction, by obtaining and/or retrieving one or more characteristics of the prospective client; extracting data regarding a digital interaction behavior of the prospective client; deriving from the retrieved/extracted data one or more digital interaction features of the prospective client directly or indirectly associated with real estate, applying a machine learning algorithm on the derived one or more digital interaction features and on the prospective client's characteristics to determine a probability, a range of probabilities or a category of likelihood of the prospective client to engage in the real-estate transaction.

Abstract: A system and method for third-party food and dining ordering control, comprising at least one device capable of accessing the internet which may be a mobile device or personal computing device such as a laptop or desktop, a web application, and a point-of-sale system at a restaurant or retailer, wherein users of the web application may deposit funds into an account and set regulations on what they may purchase with the deposited funds, or have an administrator set up an account for them such as a parent setting up an account for a child or a doctor setting up an account for a patient, allowing the parent or doctor or other administrator to regulate what the sub-user such as the child or patient may purchase, in keeping with budget, diet, and lifestyle restrictions, and which may utilize zero-step authentication to allow for seamless use of the service at certain establishments.

Abstract: A method and a system for using differential privacy techniques to provide axe obfuscation with respect to information included in an inventory axe list of available securities is provided. The method includes: obtaining first information to be included in a first inventory axe list to be published on a particular day; retrieving second information included in a second inventory axe list that was published on the previous day and/or several previous days; obfuscating the obtained first information by applying an algorithm based on the difference between the first information and the second information; and publishing the first inventory axe list by transmitting the obfuscated first information to a plurality of intended recipients. The quality of obfuscation may be measured and controlled as a function of desired privacy level and potential cost.

Abstract: A zero-step user recognition and biometric access control system and method which comprises various sensors configured to capture a plurality of biometric data associated with a user, a database configured to store a plurality of user information including identifiable biometric data associated with the user, a biometric verification server configured to receive a plurality of biometric data from the sensors and user information from the database, and to return a confirmation of the user's identity, in order to provide real-time user recognition, authentication, and access control using biometric data.