Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.

Abstract: Particular embodiments determine, at least in part by a computing device of a payment service, to associate a data object with a user account that is associated with a stored balance managed by the payment service. The computing device associates an amount of the data object with a distinct stored balance associated with the user account. The distinct stored balance is associated with a condition of use. The computing device monitors transaction data associated with users of the payment service. The computing device identifies, from the transaction data, a transaction associated with an identifier associated with the user account. Based on a determination that the transaction satisfies the condition of use, processing payment for the transaction using at least a portion of the distinct stored balance prior to using the stored balance.

Abstract: A digital currency system that may make use of a distributed network in validating coin ownership as part of processing of transactions of coins of the currency. Compute devices may include both wallet modules and teller modules, with the wallet modules used for user access to digital currency related functions and the teller modules used for processing transactions of the many users. The system may provide automatic denomination coin unit change. The digital currency may be transformed into a physical representation. The digital currency may be virtual currency or cryptocurrency.

Abstract: Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based central system, which may be a promotional system or payment system, may be configured to receive payment information from a consumer device. The consumer device may include circuitry configured to receive wallet identifying data from the central system. The wallet identification data may be used to secure messages between the consumer device and another device, such as a merchant device, over a wireless link. In some embodiments, the consumer device may receive promotional offers, such as deal vouchers or rewards, and make payments to the other device via the wireless link.

Abstract: Methods, devices and media for a pre-enrollment registration system are described.

Abstract: A system for automatically monitoring wire transactions during processing by a wire transaction processing system, and actively reporting a real-time status of wire transactions that are not completed within an expected amount of time. Proactively reporting the status of a given wire transaction may be accomplished in a variety of ways and eliminates the need for an interested party to make repeated status inquiries of the wire transaction processing system or an entity associated with the wire transaction processing system, which saves time, as well as processor and memory resources, and may also help to minimize any negative consequences of a wire transaction that is slow or unlikely to complete.

Abstract: A system and method for providing proof of a digital identification of a user which may include activating, on a mobile computing device, a bank application and a digital identification service provider application, and which may allow the bank application to have access to user accounts after the bank application receives a digital identification from the digital identification service provider application in order to provide proof of identify with speed and security.

Abstract: Verifiable order message handling for electronic auctions. Electronic order messages are received, with at least one message including an order of a predetermined type having sell order information associated with an entity having securities not previously registered for transactions. Requests for participation in an electronic auction are identified from among the messages. The requests include auction-only order information, with at least one request including the order of the predetermined type. It is determined whether the sell order information in the order of the predetermined type meets a predetermined auction condition based on an auction price. When the sell order information meets the predetermined auction condition, the order is permitted to participate in the electronic auction, such that the order is executed in full in the electronic auction. When the sell order information does not meet the predetermined auction condition, the electronic auction is canceled.

Abstract: A system and method are provided for transferring money from a sender to a receiver. According to the method, non-private identifying information is received. The non-private identifying information is used to determine the identity of the receiver, and an indication is received of an amount of money to be transferred from the sender to the receiver. An account of the sender is debited and an account of the receiver is credited based on the amount of money to be transferred.

Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.

Abstract: Disclosed is a computing architecture and method for operating and managing a health care plan from a mobile device or web browser. The present invention provides an architecture that facilitates customer access to affordable, personalized health care, along with the efficient processing of claims.

Abstract: Certain embodiments of the disclosure relate to methods and systems that support automated, targeted polling of consumers via an e-commerce promotions platform for administering e-commerce promotional activities, such as, for example, sweepstakes, contests, giveaways, and/or instant wins.

Abstract: A method of automatically determining fulfillment of services performed by a first entity, the method including at a management server, determining one or more first entities having one or more service agreement obligations to one or more second entities, and extracting content data from one or more websites and/or servers hosting the one or more websites. The content data includes one or more separate and distinct event datasets, each event dataset being generated by a particular first entity of the one or more first entities. Determining, for each event dataset, whether the event dataset includes an indication of a particular second entity. Determining whether the particular first entity and particular second entity have service agreement specific information, and in response to determining that the particular first entity and particular second entity are indicated in the service agreement specific information, automatically determining that a service agreement obligation has been fulfilled.

Abstract: A method and system for interfacing heterogenous computing networks to accomplish a cross-network that spans at least two networks and has a source node and a destination node. A graph structure is traversed to define a transaction path. The graph structure includes transaction nodes within transfer networks and bridges that span networks. Each node in the graph structure exists on a network and has an associated set of attribute variables that specify supported tokens. A bridge path defined by two nodes spanning two logical networks is determined. The source node and the destination node are also connected via one or more out of band network paths which are separate from the bridge path. Disclosed implementations link the speed and convenience of P2P conversion models with B2B trading channels using a ledger-agnostic overlay and computing architecture to enable value transfers and conversion spanning dissimilar digital communication networks.

Abstract: An information technology platform for personalizing an experience of a visitor at a non-profit venue comprising: a network; a server in communication with the network; a mobile computing device to be carried by a visitor to a non-profit venue, wherein the platform determines personalized information about the visitor and a recommendation engine outputs a suggestion for a personalized experience to the visitor to encourage philanthropic activity related to an ongoing philanthropic campaign; and a machine learning system for learning on a training set of photographic data or video data, the learning to train the machine learning system to predict a sentiment towards the ongoing philanthropic campaign of the visitor based, at least in part, on photographic images or video images that are taken by the visitor, that are shared to the visitor, that are shared by the visitor or that include the visitor as a subject.

Abstract: A computing system acquires a plurality of gig-income models for a plurality of gig-workers, and each of the plurality of gig-income models includes a corresponding expected income for a respective gig-worker of the plurality of gig-workers over a period of time. The computing system identifies groups of gig-workers to join an income float pool based on the gig-income models of the gig-workers. The computing system transfers funds into or out from an account associated with a gig-worker in the income float pool in response to detecting, from one or more data sources, a difference between an actual income and an expected income of the gig-worker during an additional period of time. Thus, the gig-worker receives a relatively stable income.

Abstract: During a communication session, a virtual assistant prompts a user for information pertaining to one or more products, and identifies relevant products based on data collected from the user. These one or more products are presented to the user, and a level of intent or urgency of the user to purchase the one or more products is determined based on determining a plurality of tone scores corresponding to a plurality of tone types for each of the words, phrases, or sentences of the language input received from the user via a user interface. A network of producers is scanned and a live producer offering the identified products is identified and presented to the user. The virtual assistant determines whether or not to transfer the user to the identified live producer based on application of transfer criteria to the evaluated level of intent or urgency of the user.

Abstract: Disclosed are method and systems to program a server to identify the value of a fund comprising shares of multiple private entities. The server receives transaction data associated with a fund where the transaction data identifies a proportion of shares within the fund associated with each private entity, price per share of each private entity, and other relevant data. The server then executes multiple artificial intelligence models to identify comparable public entities to each private entity. The server then retrieves stock price data for each public entity and calculates a value for each private entity in real time. The server also displays a value of the fund in real time where identification of each private entity is anonymized.

Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.

Abstract: A computing device, a computer program product, and a computer-implemented method for delivering enhanced financial services and, more particularly, for facilitating automation of recurring financial transactions. A user can have one or more financial transactions saved on command in order to have them executed at any point in time.