Abstract: There are provided systems and methods for dynamic authentication through user information and intent. A user may wish to purchase an item that they view on a merchant marketplace using a computer of mobile phone. The merchant for the merchant marketplace may register the user's intent to purchase the item by receiving the user's actions while browsing the marketplace. The user may further provide user information with the merchant, such as a biometric reading, identifier, or other information. When the user then arrives at a merchant location to purchase the item and complete a transaction using a payment instrument, the merchant may process the user's intent and information to determine how confident the merchant is that the user is entitled to utilize the payment method. Such confidence rating may correspond to whether the merchant believes the transaction is fraudulent or if the user is misrepresenting their identity.

Abstract: A method for providing a voluntary down payment interface in association with a financing offer may include providing, to a remote device of a customer in association with a transaction between a merchant and the customer, an indication of a financing offer associated with a loan, providing, on a same page or screen of the remote device as the indication of the financing offer, a selectable option to display a down payment selector interface for making the voluntary down payment, responsive to the selectable option being selected, displaying the down payment selector interface, and, responsive to the selectable option not being selected, hiding or not displaying the down payment selector interface.

Abstract: A non-transitory computer-readable apparatus having instructions stored thereon such that, when such instructions are executed by a computing device, the computing device is caused to perform operations resulting in improvement of the post-agreement portion of a vehicle purchase transaction.

Abstract: A tracking and recording system is provided for tracking and documenting personal property. Personal property, such as electronic or “IOT” devices having a communication interface, are placed in communication with a tracking system which receives information from those items of personal property and utilizes that information to verify the location and/or existence of the property. A record of the personal property may also be created which includes information which identifies the property, liens, transfers of ownership, and verifications of the location of the property. The record may comprise a block chain of information regarding the property.

Abstract: Methods and systems for automatically mitigating risks of insurance-related events to a property are provided. According to certain aspects, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a property, as well as data received from an insurance provider. If it is determined that an actual or potential risk of property damage exists, the smart home controller or insurance provider remote processor may automatically issue commands to one or more smart devices to take actions that mitigate the risk. The smart home controller may also transmit information about the actual or potential risks and any mitigative actions to an insurance provider. The insurance provider remote processor may interpret the transmitted data to perform insurance activities, such as providing a discount and/or adjusting an insurance premium or policy associated with the property.

Abstract: Methods, systems and apparatuses, including computer programs encoded on computer storage media, are provided for converting legacy administration systems by transforming core business processes identified from the legacy administration systems and building unified data structures among the integrated administration systems within an organization. The legacy systems are analyzed to determine common and/or needed system configuration, including common core business processes and specific processes, data structures, data definitions, calculation modules, product rules, etc. The legacy systems are then transformed by converting core business processes one by one and additional specific processes. A unified data structure, such as a customer-centralized data model, is created to be used by all administrative systems within an organization to improve operation efficiency, result accuracy, and process transparency.

Abstract: Methods and systems are disclosed for determining valuation and risk analysis of municipal debt instruments on an after-tax basis. In one embodiment, bond terms, yield curve and interest rate volatility data are received for a set of bonds. Additionally, IRS treatment data and applicable tax rates for the set of bonds and a purchaser of the bonds are also received. Theoretical tax-neutral values of the bonds are calculated using a buy-and-hold methodology, wherein the tax-neutral value comprises the price of the at least one municipal debt offering such that its discounted after-tax value equals the price. A theoretical maximum after-tax values of the bonds are also calculated using a recursive valuation path-dependent methodology. Optimal bond management is determined using the calculated theoretical tax-neutral values and maximum after-tax values of the bonds.

Abstract: Aspects of the disclosure relate to computing platforms that utilize machine learning to perform output generation based on intent identification. The computing platform may train intent orchestration models (e.g., intent identification, output generation, or communication channel) using historical data. The computing platform may data corresponding to an individual. Based on the data, the computing platform may select intent identification models, and may use them to identify an intent. Based on the intent of the individual, the computing platform may select engagement output generation models, and may use them to generate a customer engagement output. The computing platform may use a communication channel model to identify a communication channel. The computing platform may send commands directing display of the customer engagement output, which may cause a user device to display the customer engagement output using the communication channel.

Abstract: Implementations of this application provide a checkout device, including a housing, a display screen, and a near-field communication (NFC) module. The housing includes a support portion for support of the housing on a countertop. The display screen is fastened to the housing, and when the checkout device is used, the display screen faces a consumer. The NFC module is located in space enclosed by the housing, and located to permit an electronic device to make an electronic payment.

Abstract: A method is disclosed and includes receiving a push transfer message with a first transaction amount, and a digital tag, a credential or a token from an application server computer, in a transaction. In the transaction, a first user using a first user device interacts with a second user using the digital tag. The digital tag associated with the credential or the token, and the first user device has a transfer application that receives the digital tag and is in communication with the application server computer. The push transfer message is transmitted to an authorizing entity computer where a second amount is credited to the second user's account.

Abstract: A vehicle includes a first sensor for sensing a first image, a second sensor for sensing a second image, and a processor that generates identification information of an object based on the first image, matches the identification information with payment request information including information about fare payment of the object, generates location information of the object based on the second image, matches the identification information with the location information to generate boarding information of the object, and determines a free riding of the object based on the boarding information and payment approval information corresponding to the identification information.

Abstract: A fraud detection system to proactively identify fraudulent transactions. The system receives an analyst-generated report for a transaction and trains a model using features from the feature types identified in analyst-generated reports. The system generates a fraud likelihood score for each requested transaction, compares it to the analyst-generate assessment, and retrains the model based on the difference.

Abstract: A device may determine information that identifies a location of a projectable transaction card that is capable of being used to conduct a transaction associated with a merchant. The device may determine that the location of the projectable transaction card matches a location associated with the merchant. The device may identify a virtual transaction number that is unique to the merchant, previously associated with the merchant, unique to an account associated with the projectable transaction card, and to be used in conducting the transaction. The device may provide the virtual transaction number for display on a display screen of the projectable transaction card. The virtual transaction number may not be displayed on the display screen of the projectable transaction card prior to a determination that the location of the projectable transaction card matches the location associated with the merchant.

Abstract: An entity computing system associated with an entity where the entity computing system comprises a processing circuit configured to receive a transaction description from a device where the transaction description comprises at least one of a time, a location, or a transaction to be completed at a location, transmit the transaction description to a location computing system associated with the location, receive location information from the device indicative of the device being located at the location, and service the user of the device via a receptacle chosen based on the information, the transaction description, and the device being located at the location.

Abstract: The invention provides methods, systems and computer program products for implementing an electronic payment transaction between mobile communication device and a NFC enabled merchant device, both of which are configured to implement a defined communication protocol. The invention implements the required functionality by (i) receiving a request for a trust token from a merchant device, (ii) determining whether the merchant device is trustworthy, (iii) responsive to a determination that the merchant device is trustworthy, generating and transmitting a first displayable trust token to the merchant device, (iv) receiving a second displayable token from the mobile communication device, (v) comparing the received second displayable token against the first displayable token, and generating a merchant device validation message based on the comparison, and (vi) transmitting the merchant validation decision message to the mobile communication device.

Abstract: The disclosed embodiments relate to a latency floor mechanism for processing incoming orders to an electronic trading system which impart a delay on orders, not when they are received, but when they are matched by the match engine/CLOB thereby imparting zero added latency between order submission/modifications/cancellations and price market data publication by the electronic trading system because the disclosed randomization processing delay applies only to matched orders, which represent a small fraction of the market events.

Abstract: A method for authenticating e-commerce transactions involves receiving, from a payment network computer, a first authentication request message to authenticate a transaction associated with a payment account, the first authentication request message being initiated by an issuer domain computer not implementing a 3-D Secure authorization protocol, determining that the issuer domain computer has configured, at the access control server computer, a decision function of a second portion of the 3-D Secure authorization protocol and in response thereto, transmitting, to the issuer domain computer, a decision request message and information associated with the transaction, the decision request message requesting the issuer domain computer to determine an action for authenticating the transaction based on the information associated with the transaction and one or more programmatic rules of the issuer domain computer, the transmitting occurring in lieu of the access control server computer executing the decision funct

Abstract: Receiving a dataset and parsing from the dataset an XP coordinate value on an x-axis, a YP coordinate value on a y-axis, and a ZP coordinate value on a z-axis all within a domain having 3-dimensional features. The x-axis and y-axis are perpendicular and define a horizontal earthbound main surface. The ZP coordinate value is on the z-axis perpendicular to the horizontal earthbound main surface. The XP, YP and ZP define a place associated with a 3-dimensional feature. Stored resource rules for places in the domain are accessed that indicate a first resource if the ZP has a first value, and a second resource if the ZP has a second value. One of the resource rules that applies to the place is identified based on XP, YP and ZP. A resource for the dataset is determined by applying the identified rule. The resource is caused to be transmitted.

Abstract: Provided, in an aspect, is a method for performing an online transaction using a graphical construct. The method can include receiving, by a client device, inputs to generate the graphical construct; transmitting to a server in communication with the client device, a request to generate the graphical construct; receiving, by the client device, the generated graphical construct and a summary information from the server; displaying, through a user interface of the client device, a summary screen including the generated graphical construct and the summary information; embedding, by the client device, the generated graphical construct on a third-party application running on the client device; sending, by the client device, a transaction request to perform the online transaction using the generated graphical construct; and presenting for display, through the user interface of the client device, a notification including a status of the online transaction.

Abstract: A method performed by a processor of a financial institution computing system includes authorizing an account holder to execute transactions in an MBC from a financial account of the account holder that includes funds in a fiat currency. A transaction request is received, including a request to transfer a first amount of funds from the financial account to a recipient. The first amount is defined in MBC. The financial account is debited by a second amount, which is an amount of fiat currency equivalent to the first amount of MBC. A service call is transmitted to the MBC partner. The service call includes instructions to create a temporary account to hold the MBC, to exchange the second amount from fiat currency to MBC, to credit the temporary account with the funds exchanged to MBC, and to transfer the first amount in MBC from the temporary account to the recipient.