Abstract: A method and apparatus for displaying group employee insurance information against benchmark information. Insurance profiles for business entities are retrieved from a data structure. A benchmark score corresponding to a benchmark category is generated for a current insurance profile of a selected business entity using the insurance profiles. The benchmark score indicates a portion of a selected premium for the current insurance profile that is paid by business entities that fall within the benchmark category. The current insurance profile is displayed in a graphical user interface on a display system. The benchmark score is displayed in association with the current insurance profile in the graphical user interface to aid a user in managing the employee insurance. Displaying the benchmark score in association with the insurance profile allows the user to more quickly and easily assess payment of the selected premium for the insurance profile in comparison to benchmark category.

Abstract: Contactless payment data can be received from a mobile device via a contactless payment terminal. Responsive to receiving the contactless payment data from the mobile device, a token can be communicated to the mobile device via the contactless payment terminal, the token configured to be processed by the mobile device to initiate a particular communication functionality by the mobile device.

Abstract: A method for routing electronic payment transactions may include receiving transaction-related information from a merchant, extracting transaction routing criteria from the received transaction-related information, identifying one or more eligible payment networks and one or more eligible acquirer processors based on extracted transaction routing criteria, predicting a likelihood of authorization acceptance for each combination of identified acquirer processor and identified network, identifying one or more breakeven transaction amounts for each combination of identified eligible acquirer processor and identified eligible payment network, and routing signature debit transactions from the merchant to a least cost combination of acquirer processor and PIN-less debit network selected from the eligible payment networks based on identification of a desired breakeven transaction amount for the PIN-less debit network.

Abstract: An exemplary system includes at least one physical computing device that is communicatively coupled, by way of a network, to an automated teller machine (ATM), and that receives, by way of user input to the ATM, a transaction identifier, verifies that the transaction identifier represents, in an electronic payment system, an electronic payment of an amount from a sender to a recipient by way of the electronic payment system, generates an access code for the electronic payment, initiates a transmission of the access code to a computing device of the recipient, receives, by way of additional user input to the ATM, the access code for the electronic payment, validates the received access code for the electronic payment, and directs, in response to the validation of the received access code, the ATM to disburse the amount of the electronic payment in physical currency.

Abstract: Contactless payment data can be received from a mobile device via a contactless payment terminal. Responsive to receiving the contactless payment data from the mobile device, a token can be communicated to the mobile device via the contactless payment terminal, the token configured to be processed by the mobile device to initiate a particular communication functionality by the mobile device.

Abstract: A real-time indicator of global trade can be generated. The real-time indicator provides a comprehensive indicator of the current global economic state by tracking current values for the available capacity for freight shipments as well as the volume of actual shipments. The capacity and volume can be tracked over multiple different transportation modes including sea, air, and rail. The real-time indicator is generated in real-time based on these current values. The real-time indicator can therefore provide investors, analysts, researchers, bankers, and the like with a reliable indicator of the current global economic state that is not heavily influenced by the biasing sentiments of individuals.

Abstract: In response to detecting that a battery level of a first computing device is below a threshold level, a computer system determines that a second computing device is within a threshold distance of the first computing device. In response to the determining that the second computing device is within the threshold distance of the first computing device, the computer system creates a reference identifier (ID) and transmits information corresponding to the reference ID to the second computing device. In response to detecting a usage of the information corresponding to the reference ID by the second computing device, the computer system transmits a request for authentication information. In response to determining that authentication is successful, the computer system transmits a payment from an account associated with a user of the first computing device to an account associated with a recipient.

Abstract: A system may include a processor that may receive account information having a plurality of transactions associated with a bank account. The processor may then determine an expected burn rate of funds based on the account information, determine an expected savings balance at a first time based on the account information and the expected burn rate, generate an event in response to the expected savings balance being below a threshold, and send an alert including the event to a computing device associated with the user. The alert may indicate a status of the expected savings balance via an electronic display of the computing device.

Abstract: A method and system may detect and correct errors in consumer reporting. A secure data file such as a Metro 2® formatted file may be obtained for a consumer that includes the consumer's credit information. A consumer reporting server may generate a non-sensitive private information (non-SPI) consumer identifier that references non-SPI consumer credit information included in the Metro 2® formatted file. Then a member of the organization may access the non-SPI consumer credit information to review the non-SPI consumer credit information and detect and correct errors. Errors may be detected by training a machine learning model using a first set of non-sensitive private information (non-SPI) consumer credit information from statements including errors and a second set of non-SPI consumer credit information from statements that do not include errors. The non-SPI consumer credit information for the consumer may be applied to the model to identify errors.

Abstract: An example operation may include one or more of a computer deriving a first set of metrics from processing a first and second set of data analytics, the sets associated with a subject matter. The operation further comprises the one or more computer deriving a second set of metrics from processing a third and fourth sets of data analytics, the third and fourth sets associated with the subject matter. The operation further comprises the one or more computer publishing the first and second set of metrics. The operation further comprises the one or more computer receiving a first plurality of requests for processing of analytics using the first set of metrics. The operation further comprises the one or more computer receiving a second plurality of requests for processing of analytics using the second set of metrics. The operation further comprises the one or more computer maintaining tallies of the requests.

Abstract: The present disclosure relates to methods and systems for placing and processing a payment transaction for an order for one or more products. A method of processing a payment transaction for an order for one or more products is provided. The method comprises: receiving an authorization request message comprising: a token PAN associated with a payment account and with an electronic device configured to detect the presence of the one or more products. It is determined that the payment transaction should be processed according to a delayed clearing protocol. A clearing presentment file comprising at least one clearing presentment message is received. The payment transaction is processed according to a delayed clearing protocol by determining whether the network server has received a receipt message from the electronic device and, if not, returning an error message to the first financial intuition indicating that the clearing presentment message has been rejected.

Abstract: Rooms, structures, vehicles, and other objects can be accurately diagrammed, often without performing a physical on-site inspection. Photographs of a room, structure, vehicle, or other object are uploaded to a computer having a processor. A base calibration measure is determined for a room, structure, vehicle, object, or component thereof, depicted in the photographs using at least one known dimension for items observable in the photographs. The base calibration measure is then used to determine dimensions of other areas, items, or objects depicted in such photographs, and to create at least one scale diagram of the subject matter of the photographs. Damages areas of the structure/vehicle/object can be assessed from the scale diagram. The scale diagram can then be used to calculate appropriate insurance payment amounts for damage claims.

Abstract: Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

Abstract: A method and system are provided for authorizing an electronic transaction between two entities. The method includes receiving, at a verification module, coincidentally captured facial image data relating to both of the two entities and authenticating each of the two entities based on a comparison between the coincidentally captured facial image data and respective facial image templates relating to each of the two entities enrolled in a database. The method also includes retrieving, from the database, account data relating to each of the two entities based on the coincidentally captured facial image data, on determining that each of the two entities are positively authenticated, and generating an authorization message for authorizing the electronic transaction, where the authorization message comprises the account data relating to each of the two entities retrieved from the database.

Abstract: A method for obtaining a comparison criterion selected by a first user. The method further includes comparing the comparison criterion of the first user to a second user to determine a similarity metric between the first user and the second user. The method further includes adjusting the learning algorithm to create a correlation between the comparison criterion of the first user and a second user to generate an adjusted learning algorithm. The method further includes selecting, a custom tip based on the correlation, a credit score of the first user, and a credit score of the second user. The method further includes the custom tip and a comparison of the credit score of the first user with the credit score of the second user based on the similarity metric.

Abstract: Systems and methods for offering and purchasing tokenized securities on a blockchain platform meeting current and future federal, state, and offering and holding entity rules and regulations. Tokenized securities purchased during or after the tokenized securities offering are tradable on a secondary market. The server computer of the tokenized securities provides an automated transfer capability for tokenized securities holders.

Abstract: Providing code offerings inside code is provided. Intent of an under-developed code within a programming environment is identified by analyzing program documentation and program code corresponding to the under-developed code. The identified intent is published as a request for bids on a network. A ranked list of software codes returned against the request for bids is provided within the programming environment. Each software code in the ranked list of software codes, along with its respective proof that includes library, documentation, and code snippet, is compared with the identified intent for relevance and sorted based on monetary value of its corresponding bid.

Abstract: Provided is a method for selectively displaying information regarding activity in a geographic area. The method may include receiving data regarding a plurality of card-present payment transactions that have been conducted in the geographic area during a time interval, determining a plurality of segments of the geographic area, assigning each of the transactions to the segment in which the transaction was conducted, determining aggregate transaction data for each of the segments based on data regarding the transactions that have been assigned to that segment; generating a transaction index for each segment based on a comparison of the aggregate transaction data of that segment with aggregate transaction data of at least one different segment and/or least one predetermined metric, and generating a visual representation comprising data regarding the transaction index of at least one of the segments. A system and computer program product are also provided.

Abstract: A computer-implemented method includes identifying an individual having a prior interaction with a target customer, generating a risk score for the identified individual based on information regarding the regarding the individual, the information regarding the individual either being stored in a database associated with a financial institution computing system or at an external computing system, determining that the risk score is above a predetermined threshold, receiving an indication of a potential interaction between the target customer and the identified individual, and transmitting an alert to a customer computing device associated with the target alert in response to receiving the indication and the risk score being above the predetermined threshold, the alert notifying the target customer that the identified individual is likely to defraud the target customer.

Abstract: A method includes importing personal and financial information from an image of a third-party tax form associated with a taxpayer. The method further includes assigning, based at least in part on the personal and financial information, the taxpayer to one of a plurality of user classes. The user class of the taxpayer determines at least one subsequent interaction between the taxpayer and an online tax application. And the method includes using at least some of the personal and financial information to pre-populate one or more fields of an online tax return for the taxpayer. The online tax return is presented in a view in a graphical user interface displayed by the online tax application.