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 query request is forwarded to a plurality of service provider servers by a proxy server that determines a serial number based on the query request. An encrypted query result corresponding to the query request is received from each service provider server, and a copy of the encrypted query result is stored as a result to be audited in a blockchain that associated with each service provider server. An audit request is sent to at least one service provider server. The result to be audited is obtained from the blockchain corresponding to the service provider server. As a standard result, an encrypted query result is received from the service provider server. As an audit, the standard result received from the service provider server is compared with the result to be audited that obtained from the blockchain that associated with the service provider server.

Abstract: One or more implementations of the present specification provide a digital object unique identifier (DOI) display method for transaction information verification. When a client application starts, it is determined that a startup mode is a cold start. In response to determining that the startup mode is the cold start, a start page is displayed. The start page includes a payment digital object unique identifier (DOI) to be scanned by a scanner to make a payment by scanning the payment DOI.

Abstract: Implementations of the present disclosure provide techniques to improve the security in blockchains by anonymizing the information of the service data. In some implementations, first service data is received from a plurality of blockchain nodes in a blockchain network. The first service data received from each blockchain node is associated with a first source address and a first destination address. Second service data is formed. The second source data includes a second source address that is formed based on a plurality of first source addresses and a plurality of first destination addresses associated with the first service data. The second service data is sent to a blockchain node of the plurality of blockchain nodes. The second service data is processed in response to receiving a verification message from the blockchain node verifying that the second service data includes a part of the first service data provided by the blockchain node.

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: Systems, methods, and other embodiments associated with applying machine learning to below-the-line threshold tuning are described. In one embodiment, a method includes selecting a set of sampled events and labeling each event in the set of sampled events as either suspicious or not suspicious. Then, a machine learning model to calculate for a given event a probability that the given event is suspicious is built based on the set of sampled events. The machine learning model is trained, and its calibration validated. Based on probabilities calculated by the machine learning model, a scenario and segment combination to be tuned is determined. A tuned threshold value is generated, and an alerting engine is adjusted with the tuned parameter to reduce errors by the alerting engine in classifying events as not suspicious.

Abstract: A method for initiating a time- and geographic-based electronic transaction includes: storing, in a mobile computing device, payment details associated with a transaction account; receiving a payment zone notification upon entry of the mobile computing device into a predefined geographic area, the notification including payment terms; registering a first timestamp upon receipt of the notification; displaying the payment terms; receiving an indication of approval of the payment terms; receiving an exit notification upon exit of the mobile computing device from the predefined geographic area; registering a second timestamp upon receipt of the exit notification; calculating a transaction amount based on an elapsed amount of time between the first timestamp and the second timestamp and a payment rate; and transmitting the calculated transaction amount and payment details.

Abstract: In one implementation, a computer-implemented method is executed on a computing device and includes: receiving general collateral assets from a first market participant for a trading platform; storing the general collateral assets within a trading platform account managed by a third party platform and associated with the trading platform; and collateralizing matched orders between the first market participant and the trading platform with the general collateral assets.

Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.

Abstract: Methods and systems for assessing damage to a property associated with an insurance-related event are provided. According to certain aspects, a smart home controller or insurance provider remote processor may store data received from a plurality of smart devices disposed on or proximate to a property. The stored data may be used to develop a baseline for normal conditions associated with the property. When the insurance-related event is occurring, the smart home controller or insurance provider remote processor may receive a second set of data from the plurality of smart devices. The second set of data may be compared to the baseline to determine a sequence of events associated with the insurance-related event that caused the damage to the property. Subsequently, according to certain aspects, the smart home controller or insurance provider remote server may automatically generate an insurance claim for damage associated with the insurance-related event.

Abstract: Systems and methods related to financial trading are provided. More specifically, some embodiments relate to systems and methods for electronic trading using market data channels which users can subscribe. Various embodiments of the present technology can provide a suite of devices that are designed to actively modify market data at the intake point (co-location facility) in order to optimally disseminate only relevant information to various applications. These filtered market data channels can then be accessed by trading systems through various subscription models. Various embodiments allow for any type of channel that alters the natural or pure market data feed to produce different data flows and other signals (e.g., triggers, synthetic prices, etc.).

Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.

Abstract: A digital downloading jukebox system including a mechanism for delivering custom services to a recognized user is provided. For example, information specific to a recognized user may be stored and optionally may include a recognized user avatar representative of the recognized user. The user avatar may be an image, video, and/or animation, which may be displayed on and/or played through the jukebox. The user avatar may be associated with transactions associated with the user. For example, an avatar may be displayed when a playlist of the recognized user is played, when a message is sent, etc. In other examples, the avatar may introduce instances of media by playing an audio and/or video message, and the avatar may sing, dance, etc. while an instance of media is playing.

Abstract: The present disclosure provides systems and methods directed to processing payments using an event-triggered distributed rules-based system (“DRBS”). In one embodiment, a system comprises a DRBS comprising a DRBS virtual holding account associated with the DRBS, a merchant virtual account associated with a merchant, the merchant being a member of the DRBS, and/or a consumer virtual account associated with a consumer. The system also comprises a database configured to manage virtual balance information for the plurality of virtual accounts.

Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.

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 use 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: Systems and methods for blending a plurality of swaps may include determining a fixed rate for use in blending a plurality of swaps, each of the plurality of swaps having matching economics and a different associated fixed rate. A computing device may determine a first remnant swap and a second remnant swap to blend the plurality of swaps using the determined fixed rates. This may reduce the gross notional and/or the total clearing line items associated with the original swaps. In some cases, the computing device may determine one single swap for blending the plurality of swaps.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for a scan-to-pay method are provided. One of the methods includes: receiving a payment request from an operator of a mobile device; and generating a payment code based on the payment request, wherein the payment code comprises first information and second information, with the first information associated with an payment account, and the second information associated with at least one recent behavioral biometric signature of the operator and at least one historical behavioral biometric signature recorded in the mobile device. This scan-to-pay method provides robust risk control with substantially reduced cost, therefore it provides a more friendly user experience on a scan-to-pay application over its conventional counterparts.

Abstract: A method includes receiving selection of an audible audio clip by a user, receiving transaction details including an indication of an amount and an identification of an account number associated with the user and corresponding to a pre-staged transaction, encoding the transaction details into an inaudible audio clip, and combining the audible audio clip and the inaudible audio clip into a transferrable audio file that when played, identifies the pre-staged transaction for execution. The pre-staged transaction may be initiated by receiving an audio rendering of the audio file, determining a duration and a size of the audible portion, decoding the inaudible portion to determine transaction details, including an amount and account identification, and the duration and size of the audible portion, validating the transaction based on the decoded and determined duration and size of the audible portion matching, and executing the transaction responsive to validation and the decoded transaction details.

Abstract: An electronic bill management method performed in an electronic bill management system is provided. A bill issuance request of a first user including original bill information is received. A first bill account corresponding to the first user is generated based on the original bill information, and account information of the first bill account is stored to an account table in the electronic bill management system. A second block is generated based on the bill issuance request, the first bill account, and a block header eigenvalue of a first block in a block chain in the electronic bill management system. The first block is a previous block of the second block in the block chain, and a bill issuance event of the first user is recorded based on the second block. An issuance success message is transmitted to the first user, the issuance success message including the first bill account.