Abstract: Circuitry acquires, when predetermined money handling is executed, stored money information including specific information of money stored in a storage before execution of the money handling and money transfer information including specific information of money transferred in execution of the money handling, determines, based on the stored money information and the money transfer information, a presence or absence of an occurrence of an abnormality related to money in the money handling apparatus and generates, in a case that it is determined that there is the presence of the occurrence of the abnormality, fraud data related to the occurrence of the abnormality.

Abstract: A system and method for implementing an online service for accelerating an online transaction includes implementing an intelligent subscriber interface; automatically creating API calls based on the plurality of distinct portions of data inputs; composing corpora of subscriber data based on a return of subscriber data by each respective API; implementing a machine learning-based classifier that: infers a first classification label for a first subset of data; and infers a second classification label for a second subset of data; computing a transaction success score that indicates a likelihood of successfully completing a prospective transaction between the subscriber and prospective transacting parties; and presenting one or more distinct product routes based on the transaction success score; creating, via a distributed ledger system, a distributed ledger record of details of the prospective transaction and cryptographic token based on a mutual engagement of the subscriber and a prospective transacting party.

Abstract: Intraday alert volume adjustment based on risk parameters is disclosed. A set of alerts associated with user transactions can be displayed to one or more human reviewers for processing. The set of alerts can be analyzed to determine whether or not the volume of alerts exceeds a threshold capacity level, which is based on a number of human reviewers available to process alerts. If the volume of alerts exceeds the threshold capacity level, alerts in the set of alerts can be prioritized based on risk in descending order and displayed to the human reviewers. In one instance, alerts below a threshold can be hidden from view of the human reviewers and optionally automatically approved. Further, prioritization can be performed dynamically as new alerts are added to the set.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for fluid blob tracking. One of the methods includes receiving from a user device, a request to change an address with a financial institution. The method includes accessing an electronic bill pay system of the financial institution. The method includes identifying an external party to notify of the change of address based on data in an electronic bill pay system. The method also includes notifying the external party of the change of address, wherein the external party is independent of the financial institution.

Abstract: Embodiments can provide a computer implemented method for simulating transaction data using a reinforcement learning model including an intelligent agent, a policy engine, and an environment, the method including: providing, by a processor, standard customer transaction data representing a group of customers having similar transaction characteristics as a goal; conducting, by the intelligent agent, an action including a plurality of simulated transactions; comparing, by the environment, the action with the goal; providing a feedback, by the environment, the action based on a degree of similarity relative to the goal; and adjusting, by the policy engine, a policy based on the feedback; the step of conducting an action to the step of adjusting a policy are repeated until the degree of similarity is higher than a first predefined threshold.

Abstract: Implementations of the present specification provide techniques for transacting a stored value card for payment in a separate transaction between a user and a merchant. A stored value card of a card issuer applicable to the transaction between a user and a merchant is determined. An SVC graphics interface for transacting the stored value card is presented to the user, which corresponds to a merchant graphics interface for the transaction between the user and the merchant. The SVC graphics interface enables a transaction on the stored value card using an account of the user with a payment system. An identification information of the stored value card transacted through the SVC graphics interface is inserted onto the merchant graphics interface so that the SVC card is used in the payment for the transaction between the user and the merchant.

Abstract: A system and method for distributed risk rules is disclosed. The method receives, at a subsystem, a subset of rules from a main rules system. The subsystem then determines that a communication to the main rules system is disrupted. The subsystem utilizes the subset of rules to make at least one business decision. After determining that the communication to the main rules system is operational, the subsystem provides a reconciliation data file including the at least one business decision to the main rules system.

Abstract: Aspects of the disclosure relate to systems for processing transactions between two entities. A transaction control platform may determine attributes associated with different transfer channels between the two entities. Based on the determined attributes, the transaction control platform may determine a transfer channel to be used for transmitting a message corresponding to the transaction. The transaction control platform may use machine learning algorithms to identify an optimal transfer channel that meets particular desired factors.

Abstract: Systems, methods, and computer-readable storage media facilitating automated testing of datasets including natural language data are disclosed. In the disclosed embodiments, rule sets may be used to condition and transform an input dataset into a format that is suitable for use with one or more artificial intelligence processes configured to extract parameters and classification information from the input dataset. The parameters and classes derived by the artificial intelligence processes may then be used to automatically generate various testing tools (e.g., scripts, test conditions, etc.) that may be executed against a test dataset, such as program code or other types of data.

Abstract: The Dynamic Asset Sector Simulator Apparatuses, Methods and Systems (“DASS”) transforms market assumptions, constraints, portfolio construction/adjustment requests inputs via DASS components into asset allocation records, portfolio allocation and graphic presentation, seasonal portfolio investment records output. The DASS includes instructions to obtain a user indication of a portfolio simulation request including user configured market assumption parameters and retrieve a user interface template including a portfolio parameter configuration widget. The DASS's seasonal portfolio construction component may obtain economic indicator data from a data provider based on the selected collection and instantiate a regression structure employing an economic indicator. The DASS's seasonal portfolio construction component may then generate a probabilistic output indicating a probability that a current economic cycle phase belongs to the first economic cycle phase upon the instantiation of the regression structure.

Abstract: This specification provides method for auditing authenticity of cross-border resource transfers, device, and electronic equipment. The method is implemented on a client device, and comprises: obtaining cross-border resource transfer information initiated by an initiator of a cross-border resource transfer; obtaining, in response to the cross-border resource transfer information, identification information corresponding to proof information that is stored in a blockchain and corresponds to the cross-border resource transfer information; generating a cross-border resource transfer request based on the cross-border resource transfer information and the identification information; and sending, to an auditor of cross-border resource transfers, the cross-border resource transfer request, causing the auditor to perform, based on the proof information that is stored in the blockchain and corresponds to the identification information, an authenticity verification on the cross-border resource transfer information.

Abstract: An accident liability tracking system includes a processing device programmed to receive, from an image capture device, an image representative of an environment of the host vehicle, to analyze the image to identify a target vehicle in the environment of the host vehicle, and determine one or more characteristics of a navigational state of the target vehicle. The device is further programmed to compare the characteristics of the navigational state of the target vehicle to at least one accident liability rule, store one or more values indicative of potential accident liability on the part of the identified target vehicle based on the comparison of the characteristics of the navigational state of the identified target vehicle to the at least one accident liability rule, and output the one or more values, after an accident between the host vehicle and a target vehicle, for determining liability for the accident.

Abstract: In an embodiment, a process for automated rules management system includes receiving a specification of past predicted results of evaluation rules and corresponding observed outcomes. The process includes determining one or more sets of alternative activations or priorities of at least a portion of the evaluation rules, assessing the one or more sets of alternative activations or priorities of at least a portion of the evaluation rules, and optimizing result activations or priorities of at least a portion of the evaluation rules based at least in part on the assessment of the one or more sets of alternative activations or priorities.

Abstract: Described herein is a system for automatically reissuing a prepaid device for an expired account upon detecting a funding event associated with the expired account. An account may be expired upon determining that one or more expiration conditions have been met. An event handler may be configured to receive events. Upon identifying a funding event associated with an expired account, the event handler may initiate a reissuance process for a prepaid device associated with the account.

Abstract: Technology is described for implementing and managing loans made against projected tax refunds. In one example, a payment service system receives a request for a loan against an expected tax refund for a user. The payment service system can determine a confidence score for loan repayment and can generate an offer for the loan based on the confidence score. Upon acceptance of the offer, the user can be provided with funds for the loan.

Abstract: Methods and systems are presented for facilitating migration from a first hosting platform that hosts a first set of transaction processing systems to a second hosting platform. A second set of transaction processing systems that corresponds to the first set of transaction processing systems is deployed in the second hosting platform. As incoming transaction requests that are intended for the first set of transaction processing systems are detected, corresponding transaction requests are generated based on the incoming transaction requests and a correlation table. The corresponding transaction requests are sent to the second set of transaction processing systems for processing. Corresponding responses from the first set of transaction processing systems and the second set of transaction processing systems are obtained and compared against each other. A functionality of the second hosting platform can be validated based on the comparing.

Abstract: A system, method and program product for countering fraud using artificial intelligence. A system is disclosed that includes: a system for formalizing real world semantic information pertaining to a domain that includes rules and processes expressed as formulae, semantic models of known fraud schemes, and knowledge bases of domain participants represented using cognitive calculi; and a scheme generation system for generating a plurality of fraud schemes within the domain using the semantic information, wherein each fraud scheme: comprises a plan expressed using cognitive calculi; includes at least one domain participant; achieves an illicit result that breaks at least one rule of the domain; is provable to be outside the purview of relevant observers; and is not a known fraud scheme.

Abstract: Systems and methods are provided for enabling a dealer to configure a plurality of financing plans for a vehicle purchase by a buyer. A first interest rate is determined for a first financing plan for the purchase without any products. A selection of products to be purchased is accepted and the expected profits from their sale is determined, and a second interest rate for a second financing plan for the vehicle purchase with the products is determined, wherein the second interest rate is lower than the first interest rate. The system accepts a profit setting representing a portion of the expected profits that can be applied to lower the interest rate and facilitate the second financing plan for the purchase with the second interest rate.

Abstract: Systems, apparatuses, and methods are provided herein for processing a merchandise return transaction. A system for processing a merchandise return transaction comprising: a user interface for allowing direct entry of information by a customer without assistance from a worker; a database; and a control circuit coupled to the user interface and the database, the control circuit configured to execute the return transaction by: obtaining from the customer identifier relating to a purchase transaction in which at least one item was previously purchased; identifying a product item from the purchase transaction to be returned; obtaining from the customer a reason for the product item to be returned; obtaining from the customer a preferred tender for the return transaction; authorizing the return; and providing instructions to the customer for returning the product item to a retail facility.

Abstract: Provided is a method that includes determining cuisine type classifiers based on merchant data, receiving transaction data associated with each payment transaction of a plurality of payment transactions involving a plurality of merchants and a plurality of consumers; determining, with at least one processor, a plurality of cuisine type labels based on a plurality of merchant names associated with the plurality of payment transactions or a portion of the plurality of payment transactions, wherein a cuisine type label identifies a cuisine type provided by a respective merchant of the plurality of merchants; generating a merchant cuisine type model from the transaction data to determine a cuisine type label of a merchant, the merchant cuisine type model based on the transaction data, and makes an inference based on a combination of merchant or consumer features associated with a payment transaction of the plurality of payment transactions; and automatically predicting one or more cuisine type classifications usi