Abstract: A fraud prevention system that includes a client server and a fraud prevention server. The fraud prevention server includes an electronic processor and a memory. The memory includes an online application origination (OAO) service. When executing the OAO service, the electronic processor is configured to determine a fraud score of an online application based on an online application origination (OAO) model that differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device, and control the client server to approve, hold, or deny the online application based on the fraud score that is determined.

Abstract: The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using a wearable electronic device with an electronic wallet. In some examples, an electronic device displays a user interface for linking a payment account associated with the electronic device to a second electronic device.

Abstract: Systems and methods of the present disclosure enable virtual tokens for dynamically mapping virtual account numbers to actual accounts. The systems and methods include receiving an electronic data modification instruction of a virtual record modification to cause at least one data modification to at least one attribute of a virtual record data structure associated with the actual account. A user record associated with the virtual record is determined, and a record modification preference associated with the user record is determined based on the modification condition. An authorization instruction is generated to authorize the electronic data modification instruction to cause the modification by instructing at least one database management system to modify the user record according to the record-specific modification.

Abstract: Systems and methods for creating component-dependent variable combinations of different financial interests in a portfolio of stocks, a stock index or other financial assets based on component factors, such as a series of interim cash flows of the asset. Specifically, the present invention relates to systems and methods for creating securities comprising component-dependent variable combinations of securities in underlying reference assets following dividing such assets into income and equity components. In one aspect, the income component is an ordinary dividend component for a fixed time period or until a fixed dollar amount has been paid and the equity component is a capital component that can be traded separately.

Abstract: Recommendations of one or more authorizing components are provided to issuers and/or merchants for enhancing approval rates of payment processing requests. A server system receives a payment authorization request for a payment transaction between a cardholder and a merchant in real time. Payment transaction features associated with the payment transaction are identified based on the payment authorization request. A combination of one or more authorizing components to be applied to the payment transaction is predicted to obtain a product recommendation strategy for the payment transaction. The combination of one or more authorizing components is predicted based on a trained machine learning model and the payment transaction features. The payment authorization request and the product recommendation strategy are transmitted to an issuer associated with the cardholder.

Abstract: A mobile wireless communications device may include a housing, a wireless transceiver carried by the housing, a memory carried by the housing, a display carried by the housing, and a processor carried by the housing. The processor is configured to implement a digital wallet including a multi-mode user card having first and second user interface modes, and selectively change the multi-mode user card from the first user interface mode to the second user interface mode based upon a current location, a current time, or a determined event. The second user interface mode includes one or more of a mapping interface mode, a survey interface mode, or a purchase interface mode.

Abstract: According to certain embodiments, a routing system comprises a memory operable to store historical data associated with a plurality of previous data processing transactions and a processor operably coupled to a network interface and the memory. The processor is configured to obtain the historical data associated with the plurality of previous data processing transactions transacted using a first routing between a first computing system and a second computing system and determine a pattern based on the historical data, the pattern determined based on machine learning. The processor is further configured to associate the pattern with a second routing between the first computing system and the second computing system, determine an upcoming data processing transaction corresponding to the pattern, and use the second routing to transact the upcoming data processing transaction.

Abstract: There are provided systems and methods for canary card identifiers for real-time usage alerts. A user associated with an organization, such as an employee of a company, are provided a payment instrument or card affiliated with that company to make one or more purchases. In order to prevent or limit fraud, as well as detect fraudulent actors, the organization utilizes multiple card identifiers and/or payment cards, where a portion of those identifiers are valid, and another portion are not valid but marked for generation of one or more alerts on use of that portion of identifiers. A monitoring and alert system resides on top of an electronic transaction processing network to detect use of the marked identifiers. If detected, a real-time alert is then transmitted to the organization with data associated with the use of the marked identifiers.

Abstract: A non-grid energy marketplace system is provided for at least one unit, e.g., a dwelling, building, or other structure that shelters an entity such as a person, family, or business that consumes energy. The system comprises at least one gateway coupled to a plurality of sensors configured to collect time-series energy data for each unit at a site that has at least one non-grid energy system. The time-series energy data can include unit-level non-grid energy consumption data and, if available, unit-level grid energy consumption data. An energy information processor is configured to communicate with at least one gateway via a remote network to receive and process the time-series energy data to determine time-based non-grid energy consumption for each unit. The system can be configured to perform a non-grid energy marketplace method that carries out the above processes and functions.

Abstract: The combination of virtual payment cards (tokens) and 3D Secure to transparently transport information to an issuing authority between mutually independent transactions. Furthermore, the virtual payment card standard digital information is transformed by embedding the mandated URL/SESSION ID without the need for the card schemes, acquirers, or payment gateways to make any modifications to their system or message formats.

Abstract: Disclosed herein are systems and methods for generating a shared budget for an account associated with a first user and a second user, wherein the first user is associated with a first client device and the second user is associated with a second client device. A notification may be transmitted to the second client device based on an attempted purchase via the first client device. The notification may be displayed in a graphical user interface (GUI) of the second client device, and may include information related to the attempted purchase, such as the cost of one or more items, total value of the shared budget, remaining value in the shared budget, and so on. The second user may approve or decline the purchase request.

Abstract: A system for population health management to enable policy holders to defer long term care for the near term includes an external data gatherer, a model builder and an intervention determiner. The external data gatherer gathers data about a plurality of policy holders from at least two of medical records, direct observation, third party data sources, and questionnaires about lifestyles, family and caregivers. The model builder builds a model from at least one of scientifically based research and the gathered data and determines which of the policy holders are likely to claim for long term care in the near term. The intervention determiner determines, for a particular policy holder, at least one scientifically based intervention to improve a probability that the particular policy holder remain at home for another year.

Abstract: Systems and methods that operate to, responsive to a request received from a user to obtain a ticket voucher with funds from an account external to a gaming establishment and responsive to a completion of a transfer of an amount of funds from a financial account and independent of identifying the user to any gaming establishment patron management system, such that an identity of the user remains anonymous to the gaming establishment, cause, based on the amount of funds, a modification of an account associated with a gaming establishment ticket voucher system and a creation, by the gaming establishment ticket voucher system, of the ticket voucher associated with the amount of funds.

Abstract: A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.

Abstract: Various examples are directed to systems and methods for facilitating fund transfers. A fund transfer system may access first training data comprising a first plurality of fund transfer records and train a computerized model, using the first training data, to generate a trained computerized model. The fund transfer system may use the computerized model to execute a plurality of fund transfer requests using the trained computerized model. The fund transfer system may access second training data comprising a second plurality of fund transfer records describing fund transfers executed in response to the plurality of fund transfer requests and re-train the computerized model using the second training data to generate a re-trained computerized model. The fund transfer system may execute an additional plurality of fund transfer requests using the re-trained computerized model.

Abstract: The system and method may assess the merchant risk level on a more continuous scale rather than a binary categorization. It may produce a continuous risk score proportional to the likelihood of a merchant being risky, effectively addressing the issue of shades of gray encountered by the traditional blacklisting approach. The continuous risk score feature provides greater flexibility as it allows the payment network to make dynamic pricing decisions (known as interchange optimization) based on the merchant risk level. Using collective intelligence from transactions across the payment network, the system and method may be able to assess the merchant risk level with high accuracy. The system and method may be particularly beneficial to small merchants with low transaction volume as even a few fraudulent transactions can easily put them in the high-risk merchant category. Further, the system and method may help payment processing networks make better decision on cross-border transactions.

Abstract: In response to receiving a request from a querying entity, such as a seller of goods or services, embodiments of a service engine present to a client computing device of the querying entity a set of queries about goods or services sold by the querying entity and other characteristics of the business of the querying entity. The service engine may intelligently determine which queries to present based on responses to preceding queries. The service engine may then compare the entries in response to the queries against stored rules for a one or more of a plurality of tax jurisdictions, the stored rules being about establishing nexus for purposes of remitting transaction tax in the certain tax jurisdiction. The service engine may then determine information regarding potential lack of tax compliance of the querying entity based on the comparison, and notify accordingly.

Abstract: A method including: receiving, from a sender, a group message directed toward the transfer facilitator and a recipient; identifying the sender and a payment account associated with the sender; parsing the group message to identify contact information for the recipient and instructions for a transfer request; contacting, using a private message and the parsed contact information, the recipient with instructions for receiving a payment from the sender; receiving, from the recipient, payment reception information including at least one of the recipient account or a payment method; and initiating, in accordance with the instructions for the transfer request, a fund transfer from the sender to the recipient from the identified payment account associated with the sender and the received payment reception information.

Abstract: Cloud-based vehicular telematics systems and methods are described for automatically generating rideshare-based risk profiles of rideshare drivers of a transport network company (TNC) platform. The systems and methods comprise receiving telematics data originating from sensor(s) traveling with a rideshare vehicle during an operating segment of the rideshare vehicle; and rideshare data originating from a rideshare app configured to execute on a telematics device during one or more portions of the operating segment. The rideshare data indicates a rideshare app mode for each portion of the operating segment. The systems and methods include determining, based on the telematics data, operating state(s) of the rideshare vehicle during the operating segment of the rideshare vehicle, and generating, based on the telematics data and the rideshare data, a rideshare-based risk profile and driver score of a driver.

Abstract: Described are a system, method, and computer program product for real-time automated teller machine (ATM) fraud detection and prevention. The method includes receiving transaction data of a plurality of transactions in real-time during processing at a transaction service provider system. The method further includes storing the transaction data in a distributed cache and receiving a transaction request for a user transaction at an ATM using a payment device. The method further includes modifying a profile of ATM activity stored in the distributed cache and comparing at least one metric of the profile to at least one predetermined ATM activity threshold. The method further includes activating a fraud prevention operation before the user transaction is completed at the ATM, including declining the user transaction, disabling a transaction account, communicating an alert to an issuer, or any combination thereof.