Abstract: Systems and methods are provided to increase the rate at which a system can accept and process data transaction request messages. The system includes a pre-processer that filters incoming data transaction request messages prior to transmitting the messages for further processing, for example, by a matching engine. The pre-processer quickly identifies whether a new arriving data transaction request is transactable. If the new arriving data transaction request is not transactable, then the data transaction request will be transmitted and stored in a main data structure and not transmitted to the matching engine.

Abstract: The present invention relates to a method of processing a transaction sent from a proof entity (1) connected to a verification entity (2); the proof entity (1) having at least one secret key and a candidate authentication data, the verification entity (2) having the hash value of a reference authentication data; the method comprising the steps of: (a) generation by data processing means (11) of the proof entity (1) of: a signature of the proof entity (1) from said secret key; a zero-knowledge proof of the fact that the candidate authentication data and the reference authentication data match; (b) transmission to the verification entity (2) of transaction data comprising at least: said signature of the proof entity (1); said zero-knowledge proof; (c) verification by the data processing means (21) of the verification entity (2) that said signature of the proof entity (1) and the zero-knowledge proof are valid; (d) processing said transaction.

Abstract: A method and system for authenticating a payment transaction. The method includes receiving a request for verifying a phone number associated with a Subscriber Identification Module card from a merchant application installed in the user device. Further, obtaining a first key from at least one of a server associated with a manufacturer of the user device and a network server. Furthermore, generating a first cryptogram based on at least one of the phone number and a unique identification value associated with the user device using the first key, wherein the first cryptogram is provided to the server associated with the manufacturer for verification. Upon verification of the first cryptogram, the method includes receiving a second cryptogram from the server associated with the manufacturer, wherein the merchant application provides the second cryptogram and payment transaction details to an issuer server for authentication of the payment transaction.

Abstract: Aspects of the disclosure relate to distributed ledgers in OTP verification. A computing platform may receive an event processing request. The computing platform may generate a one time password, and record the one time password in a distributed ledger, and send the one time password to a first device. The computing platform may receive, from a second device, the one time password, which may have been sent from the first device to the second device. Using the distributed ledger, the computing platform may validate the one time password, and may record, in the distributed ledger, validation information indicating that the first one time password was validated. Based on validating the first one time password using the distributed ledger, the computing platform may process a requested event, and may notify the second device that the event was processed.

Abstract: According to some embodiments, a risk relationship data store may contain electronic records, each electronic record representing a risk relationship between an enterprise and a risk relationship provider (e.g., an insurer), and including, for each risk relationship, an electronic record identifier and a set of estimated usage attribute values. A back-end application computer server may receive, from a current usage data source, current usage information for the enterprise (e.g., financial information, utility information, IoT information, etc.). Based on the current usage information, the computer server may infer a likely actual current usage for the enterprise. The computer server may then compare the likely actual current usage with the predicted usage attribute value to determine a risk difference result and adjust a risk relationship parameter based on the risk difference result.

Abstract: Systems and methods for machine forward energy and energy storage transactions are disclosed. An example transaction-enabling system may include a resource requirement circuit to aggregate a resource requirement for a fleet of machines to perform a task, wherein the resource requirement comprises an energy storage capacity requirement, a forward resource market circuit to access a forward market for energy, and a machine resource acquisition circuit to execute a transaction on the forward market for energy in response to the aggregated resource requirement.

Abstract: Systems and methods for machine forward energy transactions optimization are disclosed. A transaction-enabling system may include a resource requirement circuit to aggregate a resource requirement for a fleet of machines to perform a task, a forward resource market circuit to access a forward market for energy, and a controller. The controller may include an artificial intelligence (AI) circuit to configure a transaction on the forward market for energy in response to the aggregated resource requirement and a machine resource acquisition circuit to automatically solicit the configured transaction on the forward market for energy. The AI circuit may also iteratively improve the configured transaction to improve a task outcome of the fleet of machines.

Abstract: An example system includes an analyzer to identify a degree of amplitude synchrony between a first pattern in a first frequency band in first neuro-response data and a second pattern in a second frequency band in the first neuro-response data, the first neuro-response data gathered via a first modality of collection from a subject while the subject is exposed to media, and modify the degree of amplitude synchrony in response to activity in second neuro-response data, the second neuro-response data gathered via a second modality of collection from the subject while the subject is exposed to the media, the activity corresponding in time to at least a portion of the first pattern or the second pattern. The example system includes an estimator to determine an effectiveness of the media based on the modified degree of amplitude synchrony.

Abstract: A non-contact communication method and a communication device are presented. The communication device includes a trusted execution environment (TEE). A first security application and a second security application are provided in a security element of the communication device. The first security application and an application in the trusted execution environment are communicationally connected by means of a first communication channel. The second security application and a near-field communication (NFC) module provided in the communication device are communicationally connected by means of a second communication channel. The first security application and the second security application are communicationally connected by means of a security channel. Using the non-contact communication method and the communication device, a security channel may be established between NFC and a TEE, which may enable NFC non-contact card reading for a TEE application.

Abstract: A robot includes a propulsion system configured to move the robot within an operations venue, a wireless interface configured to communicatively connect the robot with a wireless network, a touchscreen display device, a contactless reader device, a memory device, a processor. The processor is configured to receive, from a robot management system (RMS) and via the wireless interface, a relocation request identifying a service location within the operations venue and at which the robot is to provide a service, control the propulsion system to navigate the robot to the service location in response to receiving the relocation request, receive, from a user, an authorization request to add funds to a digital wallet of the user, and transmit, via the wireless interface, an authorization request message to a funds transfer data center associated with the user, the authorization request message configured to request adding the funds to the digital wallet of the user.

Abstract: An example system includes an analyzer to identify first activity in first neuro-response data, the first activity generated in response to exposure of a subject to a first stimulus prior to exposure to an advertisement or entertainment; identify second activity in second neuro-response data, the second activity generated in response to re-exposure of the subject to the first stimulus after to exposure to the advertisement or entertainment; calculate a differential event related potential measurement; and calculate a differential event related power spectral perturbation. The example system includes a resonance estimator to determine a subject resonance measurement to the advertisement or the entertainment based on the differential event related potential measurement and adjust at least one of the subject resonance measurement or the differential event related potential measurement based on the differential event related power spectral perturbation to generate an adjusted subject resonance measurement.

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: Using transaction data to rank search results is described. A payment service computing platform may receive transaction data associated with users of a payment service, and may receive a search query from a payment application associated with the payment service and executing on a device of a user. The payment service computing platform may then generate a list of entities based at least in part on a likelihood, determined using a portion of the transaction data associated with the entities, that the user will be able to successfully complete a transaction in association with the entities, and may cause a user interface of the payment application to present at least a portion of the list of entities as a search result to the search query.

Abstract: Systems and methods for integrating mobile image capture with an internet browser application on a mobile device are provided, wherein a user viewing a web page via the internet browser application can initiate a mobile image capture process on the mobile device through the web page, capture images with a mobile image capture user interface, and then provide secure access to the captured images for the web page in order to utilize the content of the captured images. The mobile image capture process is accessible through any internet browser application via the mobile device and allows any service running on a web page to benefit from the ability to capture an image on the mobile device and obtain the content of the image through mobile image processing. The browser-based mobile image capture allows mobile devices which do not run certain third party applications to utilize mobile image capture and processing.

Abstract: Embodiments of the present invention are directed to a “one-click payment” scheme for streamlining customers' online checkout experiences. According to one particular embodiment, a customer can use a computing device to be authenticated and receive a unique, one-time token to make a one-click payment during an online checkout process. The one-time token may be encrypted and directly associated with a payment account which the customer is authorized to access. The online merchant may forward a transaction request including the one-time token and purchase amount to an authorization server which would verify the token and charge the corresponding payment account.

Abstract: Embodiments of the present disclosure relate to a data analysis system that may automatically generate memory-efficient clustered data structures, automatically analyze those clustered data structures, automatically tag and group those clustered data structures, and provide results of the automated analysis and grouping in an optimized way to an analyst. The automated analysis of the clustered data structures (also referred to herein as data clusters) may include an automated application of various criteria or rules so as to generate a tiled display of the groups of related data clusters such that the analyst may quickly and efficiently evaluate the groups of data clusters. In particular, the groups of data clusters may be dynamically re-grouped and/or filtered in an interactive user interface so as to enable an analyst to quickly navigate among information associated with various groups of data clusters and efficiently evaluate those data clusters in the context of, for example, a fraud investigation.

Abstract: A method and system for facilitating payment transactions is provided. A server receives a transaction scheduling request from a first user device for scheduling a payment transaction from a first payment account associated with a first user to a second payment account associated with a second user. The payment transaction is scheduled for a first time instance. Upon successful scheduling of the payment transaction, a one-time password for authenticating the scheduled payment transaction is communicated to the first user. The server receives a payment transaction request corresponding to the scheduled payment transaction from a second user device associated with the second user to approve the scheduled payment transaction. The scheduled payment transaction is approved upon successfully receiving the one-time password from the second user device.

Abstract: A device may receive, from a payment processor server device, a transaction card number and a network address of a client device, wherein the transaction card number and the client device are associated with a customer attempting to conduct an online transaction with a merchant via a merchant server device. The device may process the transaction card number and the network address, with a machine learning model, to determine whether to approve or deny the online transaction. The device may selectively provide, to the client device and the merchant server device, data indicating that the online transaction is approved when the machine learning model determines to approve the online transaction, or provide, to the client device and the merchant server device, data indicating that the online transaction is denied when the machine learning model determines to deny the online transaction.

Abstract: A method, an electronic device, and computer readable medium for payment authentication are provided. The method includes receiving a device user authentication. The method also includes receiving a payment request. The method additionally includes determining whether one or more payment conditions corresponding to the device user authentication are satisfied upon receipt of the payment request. The method further includes authorizing a payment application to process the payment request when the one or more payment conditions is satisfied.

Abstract: Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.