Abstract: An improved financial terminal automatically reconfigures into different financial processing terminal types. In one embodiment, the terminal comprises a housing; a card reader configured to accept at least a portion of a card having an integrated circuit; at least one display; at least one processor; and at least one memory configured to store machine readable code, the machine readable code comprising a first kernel corresponding to a first transaction type and a second kernel corresponding to a second transaction type.

Abstract: A method for preventing duplicate processing of a payment transaction includes: generating a first data structure with a first predetermined time interval and generating a second data structure with a second predetermined time interval. A first overlap region and second overlap region of the first and second predetermined time interval are defined by a same time interval. The method includes receiving first transaction data associated with a first payment transaction, receiving second transaction data associated with a second payment transaction, and determining based on a first transaction ID and a second transaction ID, that the second payment transaction is a duplicate of the first payment transaction. A computer program product and system for preventing duplicate processing of a payment transaction are also disclosed.

Abstract: Systems and methods for facilitating a disbursement of funds to a payee are provided. The methods include receiving a payment request from a payor; generating a code, such as barcode, a Quick Response (QR) code, a Near Field Communication (NFC) code, or a textual string, that corresponds to the received payment request; transmitting the generated code to the payee; validating the code when the code is entered into a payment disbursement machine, such as an automated teller machine; and disbursing at least one of the funds and a payment voucher via the payment disbursement machine.

Abstract: A method for providing pre-data breach monitoring provides information to businesses that is useful to predict portions of the company data that may not be secured well enough and other risks associated with data breaches, such as employees that may not be trustworthy.

Abstract: In an illustrative embodiment, methods and systems for automatically categorizing a condition of a property characteristic may include obtaining aerial imagery of a geographic region including the property, identifying features of the aerial imagery corresponding to the property characteristic, analyzing the features to determine a property characteristic classification, and analyzing a region of the aerial imagery including the property characteristic to determine a condition classification.

Abstract: Systems and methods for account validation are disclosed. A method may include: receiving, at a validation computer program and from a client device, a request to validate payment information; querying, by the validation computer program, a plurality of validation systems with at least some of the payment information; receiving, at the validation computer program, a query response from each validation system; calculating, by the validation computer program, a risk score for each validation system based on a comparison between the payment information and the query response; weighting, by the validation computer program, the risk score for each validation system, wherein the weighting may be based on an accuracy of past risk scores for each validation system; aggregating, by the validation computer program, the weighted risk scores into a cumulative risk score; and outputting the cumulative risk score to the client device.

Abstract: The technology disclosed relates to creation and operation of a marketplace among trusted small and medium sized banks for participation in commercial loans too large for an individual participating bank to undertake on its own. This technology can be applied to formation of other marketplaces in which trust matters and controlled dissemination of opportunity information, as in layers or rounds, proceeds manually. Aspects of the technology disclosed can be used by initiators and participants to syndicate loans once a marketplace is established, whether the market is established applying the technology disclosed or otherwise. This technology also can be applied to syndicate other opportunities or to resell participations in syndicated loans that have closed and been funded.

Abstract: A wireless device is provided for retrofitting ATMs. The wireless device including a memory; at least one hardware processor coupled to the memory; a hardware interface coupled to the least one hardware processor; and, at least one antenna coupled to the at least one hardware processor, where the at least one hardware processor is configured to: (i) receive over the at least one antenna an instruction to retrieve state data; (ii) receive the state data over the hardware interface from an ATM; and, (iii) transmit over a virtual private network (VPN) using the at least one antenna the state data, where the VPN is separate from a financial institution network the ATM communicates with to perform transactions.

Abstract: Systems and methods are provided for credit dispute processing, resolution, and reporting. Credit dispute resolution requests may be received, processed, and sent to a credit bureau for submission to creditors. Status of credit dispute resolutions may be reported to consumers. If a creditor's response time is longer than its average response time or if a creditor does not respond to a credit dispute resolution request within a regulatory response period, alerts and reports may be sent to consumers to provide consumers with further options.

Abstract: A method for determining damage caused to a property includes receiving a first image of an object, the first image being captured at a first time. The method further includes receiving a second image of the object, the second image being captured at a second time different from the first time. The method further includes determining that the object in the first image is a same object in the second image and aligning features of the object in the first image to the features of the object in second image. The method further includes determining at least one difference based on a comparison between the first image and the second image. The method further includes determining that the at least one difference indicates damage to the object that exceeds wear and tear depreciation damage based on an amount of elapsed time between the first time and the second time.

Abstract: A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g.

Abstract: A system may include a processor that may detect one or more loan indicators present in banking data or credit data associated with a user. The processor may then retrieve additional data associated with the user in response to detecting the one or more loan indicators, such that the additional data may include data acquired from a home assistant device, a wearable device, a computing device, or any combination thereof. The processor may then determine a loan probability associated with the user based on the banking data, the credit data, and the additional data. The processor may then determine a pre-approval loan amount based on the banking data and the credit data in response to the loan probability exceeding a threshold and automatically send a notification indicative of a pre-approval loan amount to a computing device associated with the user.

Abstract: Interactions between a training server and a plurality of environment controllers are used for updating the weights of a predictive model used by a neural network executed by the plurality of environment controllers. Each environment controller executes the neural network using a current version of the predictive model to generate outputs based on inputs, modifies the outputs, and generates metrics representative of the effectiveness of the modified outputs for controlling the environment. The training server collects the inputs, the corresponding modified outputs, and the corresponding metrics from the plurality of environment controllers. The collected inputs, modified outputs and metrics are used by the training server for updating the weights of the current predictive model through reinforcement learning. A new predictive model comprising the updated weights is transmitted to the environment controllers to be used in place of the current predictive model.

Abstract: Embodiments of the present invention assist in the development, management, and deployment of aggregated data attributes for multiple data sources. One embodiment provides a development interface that allows for elements of attributes, including filters, to be moved into a coding area in which an attribute or an attribute element is being edited. In another embodiment, the user interface presents data fields to assist in the development of filters for multiple data sources with divergent formats. The application further provides a validation interface through which users can validate attributes and trace the results returned by various elements referenced by the attributes under validation. Another embodiment provides a system for managing attributes and deploying them to various systems by creating a deployment file that is used by an attribute calculation system. In one embodiment, the attribute calculation system is a scalable system that dynamically calculates attributes for multiple data sources.

Abstract: A system, method, and computer-readable storage medium configured to facilitate cash transactions at an Automated Teller Machine when an ATM card is not present. The system allows a customer of a first bank to use an ATM of a different bank and still facilitate the ATM transaction without an ATM card present.

Abstract: The present disclosure describes, in one implementation, an assignment for an insurance claim of a loss is identified, the assignment specifying a loss location. A first set of candidate user profiles are searched for from a plurality of profiles, where each profile in the plurality of user profiles corresponds to a particular insurance adjuster and at least one associated device. Searching can include determining that a location associated with a particular device is within a first search range of the loss location, and identifying the profile corresponding to the device as one of the first set of candidate user profiles. An assignment notification is transmitted to each of the devices associated with the first set of candidate user profiles. Upon receiving a response to the assignment notification from a device associated with a profile, the assignment is assigned to the first insurance adjuster associated with the profile.

Abstract: A data analytics system may include a first risk relationship data store containing electronic records that represent a plurality of risk relationships between the enterprise and a first risk relationship provider. Similarly, a second risk relationship data store containing electronic records that represent a plurality of risk relationships between the enterprise and a second risk relationship provider. A back-end application computer server may include a data mining engine that analyzes a set of electronic records in the first and second risk relationship data stores to identify flags corresponding to risk drivers. A predictive analytics engine may then calculate a risk score associated with the set of electronic records based on the associated entity attribute values and the identified flags corresponding to risk drivers. An insight platform may automatically generate a recommended action for the enterprise to lower the calculated risk score.

Abstract: Provided are a training apparatus, an image recognition apparatus, a training method, and a program capable of improving the accuracy of image recognition of a photographic image using classifiers that have been trained using CG images. An intermediate feature identifying section identifies an intermediate feature. An offset feature identifying section identifies an offset feature on the basis of a CG intermediate feature and a photographic intermediate feature. A post-offset intermediate feature identifying section identifies a post-offset intermediate feature associated with a CG image on the basis of the intermediate feature associated with the CG image and the offset feature.

Abstract: Location polygons are defined along traffic lanes and parking spaces to facilitate determination of the location of a vehicle relative to features associated with the location polygons. The location polygons are used, in one application, to identity entrance and exit of a special toll lane along a roadway, and to ensure that the vehicle properly enters and exits the tolling lane. The location polygons define geofenced regions, and each definition for a geofenced region can include one or more rules that are used to evaluate location information reported by a user's equipment. The rules dictate whether an action it taken or inhibited, such as charging a toll or not charging a toll, based on other location information reported by the user's equipment.

Abstract: The present disclosure generally relates to systems and methods for processing recurring payment transactions. In various embodiments, the system receives details of the set of recurring payment transactions and stores the details in a recurring transaction details table. The system generates a virtual payment instrument and associates it with the consumer's payment instrument. The system transmits the virtual payment instrument to the consumer. The system then generates a set of payment tokens for the set of recurring transactions and links the tokens to the virtual payment instrument. Each token is associated with a discrete recurring period. The system encodes each token with a sequence of values and stores the tokens in the recurring payment token table. The system receives a recurring transaction request that includes the virtual payment instrument. The system validates the request against a token associated with the recurring period, processes the transaction, and deletes the token.