Abstract: A mobile wallet system to users is described. The mobile wallet system allows users to provide payments to merchants via the mobile wallet system. Users' mobile wallets are linked to payment forms associated with the users (e.g., bank accounts, credit cards, gift cards, etc.). Additionally, the mobile wallet system allows a first user to request funding from or provide funding to a second user for certain transactions. To pay for a good or service provided by a merchant, a user selects a form of payment, which may be another user, and provides a code to the merchant, which is used by a merchant computing system to initiate payment from the user to the merchant via the financial institution computing system.

Abstract: Systems and/or methods for use in connection with digital downloading jukeboxes are provided. Such systems and/or methods may be used to provide enhanced communications capabilities, e.g., to registered users of jukeboxes. In certain exemplary embodiments, users may become registered users directly at a jukebox. Registered users also may, in certain exemplary embodiments, receive coupons for free plays, import playlists from hardware devices and/or software applications, receive special pricing when playing certain instances of media, play playlists in whole or in part, create and/or manage playlists directly at a jukebox, establish and manage connections with other registered users, etc. Still further, in certain exemplary embodiments, one or more channels may be predefined and/or set up for a jukebox.

Abstract: Systems, apparatus, interfaces, methods, and articles of manufacture that provide for acquisition, management, and/or utilization of surface segment data.

Abstract: A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Abstract: A computer system may access data corresponding to a portfolio that comprises interest rate swaps and may calculate parameters for a compressed swap. The computer system may determine, based at least in part on the parameters for the compressed swap, a performance bond requirement attributable to the interest rate swaps. The computer system may compare the performance bond requirement to account data associated with a holder of the portfolio and may perform one or more additional actions based on the comparing.

Abstract: Examples in this application disclose information sharing computer-implemented methods, media, and systems. One example computer-implemented method includes obtaining, from an external server at a trusted execution environment (TEE), a trigger instruction, in response to obtaining the trigger instruction, combining, at the TEE, first anti-money laundering (AML) risk information provided by a first institution and second AML risk information provided by a second institution to obtain third AML risk information, where the first AML risk information and the second AML risk information correspond to a user identifier, and sending, from the TEE to the first institution, the third AML risk information.

Abstract: Techniques are disclosed which include receiving, by a central entity computer, a request for digital currency. The request includes a serial number and a denomination of a physical currency. The central entity computer generates the digital currency for the denomination and linked to the serial number. The generating includes recording the digital currency on a blockchain. The central entity computer transmits a notification of the generation of the digital currency. The central entity computer causes removal of the physical currency from circulation in a fiat currency system.

Abstract: A plurality of transactions initiated by a user through a user account and need to be concurrently executed is received. A Nonce list corresponding to the user account and maintained in a blockchain is accessed. The Nonce list includes a plurality of Nonce records, and each Nonce record includes a group identifier and a Nonce value. Available Nonce records are obtained for the plurality of transactions from the Nonce list. The available Nonce records are respectively added to the plurality of transactions. The plurality of transactions are published in the blockchain, so that a node device in the blockchain matches the available Nonce record in a transaction published by the client device with the Nonce records in the Nonce list. When the available Nonce record matches a target Nonce record in the Nonce list, the node device processes the transaction, and concurrently executes a plurality of the processed transactions.

Abstract: Systems and methods for blockchain-based node management. In an aspect, a system receives, by an existing node of a blockchain, a target transaction, wherein the target transaction comprises a certificate of a new node and a unique identifier of the new node; verifies the target transaction by the target transaction passing consensus verification of the blockchain; and after the target transaction passes consensus verification of the blockchain to verify the blockchain, records, in a node identity table that is used to record a certificate of a blockchain node and a unique identifier that is of the blockchain node and that corresponds to the certificate, the unique identifier and the certificate of the new node.

Abstract: A system for validation of healthcare provider bills includes obtaining an image of the bill on a mobile device which uses optical character recognition to resolve the patient identity, provider identity and amount due as alphanumeric characters. The system also receives adjudicated claims data from insurance companies in a non-standardized format. A claims conversion server converts the adjudicated claims data to a standardized machine-readable format. The standardized adjudicated claims data and provider bill are validated against each other in real-time so the patient can make payment in an accurate amount without having to first receive and decipher an EOB form.

Abstract: Various of the disclosed embodiments concern systems and methods for expediting the settlement of securities traded on an exchange. A settlement system can generate electronic records of financial transactions by bundling a trade report, clearing instructions, etc., into a cryptographic ledger. Current cryptographic ledgers do not handle transactions at the rate which securities are traded. In order to improve rate processing for cryptographic ledgers sharded transaction trees are used.

Abstract: Systems, methods, and computer-readable media are provided for mobile-based transaction pre-authorization. One example method comprises receiving, from a device (such as a mobile device), a pre-authorization request including at least selection of a payment method, and generating a pre-authorization for a purchase based on the selected payment method. The method further comprises receiving a transaction request, determining whether the received transaction request is associated with the pre-authorization, and processing the transaction request based on the determination. Systems and computer-readable media implementing the above method are also provided. User interfaces are also provided for enabling the use of such methods, systems, and computer-readable media on, for example, mobile devices.

Abstract: A computer-implemented method for verifying a transaction in a blockchain network may be provided. The blockchain network comprises nodes participating in performing the transaction. The method comprises grouping the nodes of the blockchain network into a plurality of clusters of nodes. For each cluster, the method comprises determining for each node of the cluster performance parameter values, calculating a weighted sum of the determined performance parameter values, designating the node with the highest weighted sum as cluster leader, designating a number of nodes of the cluster whose weighted sum is next to the highest weighted sum, as sub-cluster leader, the number being at least half of the total number of nodes within said cluster, and verifying the transaction for the cluster by the cluster leader and the sub-cluster leaders.

Abstract: Embodiments of the present application relate to a method, apparatus, and system for verifying an identity of a user. The method includes receiving a preset key that is associated with a key carrier that is a physical object, storing the preset key in a database storing mappings between a plurality of preset keys and a plurality of users, receiving a verification key in connection with an identity verification of a user, retrieving the preset key associated with the user from the database, determining whether the verification key matches the preset key associated with the user, and causing a determination of whether the key carrier is authentic.

Abstract: Expediting settlement of securities traded on an exchange is described. A clearing instruction representing an order for equities can be received. The clearing instruction can include a cryptographic signature. A data block within a blockchain can be generated to include the order and the cryptographic signature. If the cryptographic signature is determined to be valid, a fast track settlement process can be selected to process the order.

Abstract: Systems and methods for segmenting claims data for actuarial modeling are disclosed. For example, traditional actuarial models determine the money paid out in a given month and estimate future months based at least in part on the money paid out, but these traditional models fail when dealing with volatile data for new markets and/or expanding member base. The presently-disclosed systems and methods segments data into incremental metrics and uses the segmented data to provide more granular information about the claims. Increasing granularity in data not only increases accuracy for predictions but the new actuarial model developed using segmented data may also be used as market analysis tools to predict favorable new markets to enter.

Abstract: Programmable cards, computer-readable media, and systems are disclosed for token payment. For example, a programmable card for token payment, according to some embodiments, may include an antenna and a contact interface. The card may be configured to store, in the rewritable memory, a token transmitted from a user device via a first near field communication (NFC) signal received by the antenna, and provide the stored token to a point of sales terminal via a second NFC signal transmitted by the antenna or via the contact interface.

Abstract: This disclosure describes techniques that include predicting a business metric associated with a given business enterprise using machine learning algorithms that have been trained on data, from other businesses, about that same business metric. In one example, this disclosure describes a method that includes selecting, from a data set, a training data subset and a test data subset; generating a plurality of candidate models configured to generate a predicted output metric, wherein the plurality of candidate models is generated by applying a plurality of machine learning algorithms to the training data subset; evaluating, using the test data subset, each of the plurality of candidate models to select a chosen model; receiving production data that includes data representing input metrics for a business entity not included within the plurality of business entities; and generating a predicted output metric for the business entity.

Abstract: Systems and methods for enhanced detection of fraudulent electronic transactions are disclosed. In one embodiment, a system uses the ongoing stream of transactions to construct and maintain a dynamically evolving merchant relationship graph. When a proposed transaction is submitted to the system, the system computes a predicted likelihood that the given account would make a transaction with these characteristics with the given merchant. The graph is used to compute transitive relatedness between merchants which may be indirectly associated with one another, as well as to compute aggregate relatedness, when there are multiple avenues of relationship between two merchants.

Abstract: Utilities that allow for the asynchronous tendering for variable characteristic assets. In one aspect, a utility for returning a strike price based on the iterative comparison of a received first listing object with a received first offer object, both corresponding to a first variable characteristic asset. At least one of the first listing object and the first offer object may include a time-dependent price such that the iterative comparison may facilitate the determination of a time-dependent price range corresponding to the variable characteristic asset at a given time. In this regard, the strike price may be returned at least partially based on the time-dependent price range. Additionally, the present disclosure includes embodiments related to the verification of a condition-dependent status of the first variable characteristic asset and a generation of comparison metrics associated with the asynchronous tendering.