Abstract: An information processing system includes a first apparatus, a second apparatus providing a service for fee, and a server. The first apparatus transmits, to the server, identification information and settlement destination information in an associated form, the identification information identifying use of the service, the settlement destination information stored on the first apparatus and identifying a settlement destination of a usage fee for the use of the service. The second apparatus transmits to the server the identification information and fee information in an associated form, the fee information indicating the usage fee for the use identified by the identification information. The server settles the usage fee indicated by the fee information at the settlement destination identified the settlement destination information associated with the identification information.

Abstract: There are provided systems and methods for enabling user to user interactions in multi-user video conference applications. A user may utilize a computing device to interact with online service providers in order to initiate and/or join a video conference with one or more other users. During the video conference, the user may be provided with options to interact with other users, such as by engaging in electronic transaction processing. When performing such interactions, data for the video conference may be extracted and provided to a transaction processor server. The server may then utilize the data to determine accounts of users within the video conference that may be utilized for electronic transaction processing services. If no account exists, the server may initiate a process to onboard such users. When an account exists, the server may further populate graphical icons that may be used for electronic transaction processing services.

Abstract: A system and method for performing a financial transaction by determining a master account number associated with one or more accounts that a user may access, providing data to generate a user interface displaying a list of the accounts and an indicator associated with a financial transaction, receiving indicator information associating the indicator with one or more of the accounts, receiving terms for the financial transaction, and performing the financial transaction. The list of accounts may be expanded to view account information.

Abstract: Orders received by an electronic trading system are processed in batches based on the instrument to which an order relates. An incoming order is assigned to a queue of a queue set that makes up the batch according to a random process. Where orders are received from related trading parties, they are assigned to the same queue set according to their time of receipt. The batch has a random duration within defined minimum and maximum durations and at the end of the batch, the orders held in the queues are transferred to a matching thread of the trading system sequentially with one order being removed from each queue and a number of passes of the queues completed until orders have been removed.

Abstract: A system and method for dynamically determining quantity for risk management are described. According to one example embodiment, as a trader positions an order icon at a desired price or price-derivative value on a graphical interface, an order quantity for the order is dynamically determined based on the order price and a selected risk management formula. A trader can change the price or the price-related value for one or more orders by moving the order icons relative to a price axis on a graphical interface. In such an embodiment, the initially calculated order quantity for each order will be dynamically recalculated based on the modified orders for the trading strategy.

Abstract: Disclosed herein are system, method, and computer program product embodiments for providing recommendations for splitting bills. The approaches disclosed include the ability to obtain information about a bill to be split (such as a photo of the bill), and then use several machine learning models to determine the ‘who,’ ‘what,’ and ‘where’ of the underlying transaction. In particular, machine learning models described herein are used to perform facial recognition of a ‘selfie’ taken when a transaction was made against social media accounts to determine participants of the transaction. The machine learning models may also identify expected pricing from data about a merchant associated with the transaction, and expected amounts for each participant based on the expected pricing.

Abstract: Some implementations provide a method that includes: generating an association, at a mobile device, between a government-issued identification document of a user and a mode of payment; receiving, at the mobile device, a presentation of the government-issued identification document of the user to support a request for payment; validating whether the presented government-issued identification document is a valid identification of the user; and in response to validating the presented government-issued identification document, proceeding with payment by using the mode of payment.

Abstract: A webcam account security system that allows a user to require activation of a webcam when accessing an account. The system may prompt a user attempting to access the account to activate the webcam and may deny access to the account or require additional security procedures when access to the webcam is not granted. Additionally, the system may store any images or footage captured by the webcam for analysis in the case a fraud notification is received. The system may further deny access to the account when the webcam is unable to detect the face or an identifying characteristic of the person attempting to access the account.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for preapproving a loan. An example method includes receiving, from an online marketplace server device, a preapproval request provided by a user for a loan preapproval to purchase a first property. The example method further includes obtaining credit information associated with the user from a credit server device. The example method further includes generating a preapproval data structure based on the preapproval request and the credit information. The example method further includes generating a preapproval token based on the generated preapproval data structure. Subsequently, the example method includes transmitting the generated preapproval token to the online marketplace server device.

Abstract: Like many credit card payments, virtual card payments are subject to fraudulent transactions. To lower this possibility, data collected from a settlement transaction is stored including a merchant category code, a tax identification number, a merchant identification and an IP address of the processing terminal. Subsequent payments from the same payor to the same payee are verified against the previous settlement transaction data to minimize the possibility of fraud.

Abstract: A computer system for analyzing biometric data of a user collected from a plurality of user devices and used to generate an insurance policy for the user includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving, from a wearable electronic user device, biometric data associated with a user; (ii) analyzing, based upon a plurality of rules, the biometric data; (iii) determining a health score associated with the user, based in part upon the analysis of the biometric data, wherein the health score represents a likelihood that the user will maintain a level of health for a predefined period of time; (iv) retrieving terms and conditions for an insurance policy from a database based upon the health score; and (v) generating, based upon the determining, an insurance policy for the user based upon the terms and conditions.

Abstract: Embodiments provide electronic methods and systems for performing recurring payments to the merchants. The method performed by an aggregator server includes receiving a standing instruction (SI) request including a plurality of unique data fields from an acquirer server. The unique data fields represent setting up of a recurring payment transaction from a payment instrument of a user to a merchant account of the merchant. The method includes generating and storing a unique identifier corresponding to the SI request. The method includes transmitting the SI request along with the unique identifier to an issuer server associated with the payment instrument to authorize the SI request for processing the recurring payment. The method further includes receiving an authorization response message in response to successful authorization of SI request by issuer server.

Abstract: Systems and methods for implementing payments or mobile payments. In an aspect of in-store purchase, a merchant sends a payment amount and merchant account info to transaction center. A buyer sends a code and buyer account info to transaction center. The code represents the merchant. In an aspect of online purchase, an e-commerce merchant provides options for a buyer to use names other than a first name plus a surname. In one embodiment, a buyer submits a shortened name or nickname for online purchases when a given payment service is used as a payment method.

Abstract: A facility for facilitating payments from a client to a freelancer is described. The facility provides a mobile app enabling the freelancer to open an account and solicit payments by clients. In response, each client can use any of a variety of forms of electronic payments to pay into the account. The freelancer can use a debit card issued for the account to spend or withdraw payments made into the account, and can use the app to track requests for payment, payments, client activity, and spending and withdrawals from the account.

Abstract: Media, method and system for scheduling trips, and particularly for scheduling trip to transport vehicles from a pick-up location to a drop-off location. To accomplish this, interfaces are provided for describing the desired starting and ending locations for vehicles and automatically allocating drivers to vehicles for each segment of a desired trip and assigning any necessary tasks to the drivers to complete for each waypoint of the trip. Additionally, any other requirements for transporting the vehicles, such as insurance and temporary license plates, can automatically be provided for.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: A system for the detection of money laundering activities involving casino slot machines and Video Lottery Terminals (collectively “VLTs/Slot Machines”) using flash memory cards inserted individually at each participating VLT/Slot Machine. The flash memory deploys individual copies of security software that monitors cash in/plays/and cash out on all connected VLTs/Slot Machines. The security software contains an artificial intelligence module that flags “suspicious activity” at all connected VLTs/Slot Machines and keeps an audit trail. The security software will disable/track TITO serial numbers/barcodes of all TITOs printed from VLTs in “silent alarm mode”. TITO serial numbers/barcodes printed in “alarm mode” need to be redeemed at the cashier's cage and will not work in an automated redemption kiosk or Ticket Redemption Unit, and the cashiers are forewarned to require positive identification and complete a Suspicious Activity Report (SARC).

Abstract: Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes receiving, by a financial institution computing system associated with the financial institution, a request from an adult computing device associated with the adult to open the account; remotely verifying, by a verification circuit, an identity of the adult based on received information regarding the adult; receiving, by the financial institution computing system, information relating to the minor from a minor computing device associated with the minor; remotely verifying, by the verification circuit, the identity of the minor based on the received information relating to the minor; and opening, by an account opening circuit associated with the financial institution computing system, an account on behalf of the minor.

Abstract: A computing system for validating repeating data is described. The computing system includes at least one computing device including at least one processor communicatively coupled to a database. The at least one processor is programmed to receive a first instance of data, the first instance of data including first repeating data elements, and store, in the database, the first repeating data elements. The at least one processor is also programmed to receive a second instance of data, the second instance of data including second repeating data elements, determine the second instance of data includes the second repeating data elements, and compare the second repeating data elements to the first repeating data elements. The at least one processor is further programmed to determine the second repeating data elements are inconsistent with the first repeating data elements and transmit a signal associated with the second repeating data elements.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.