Abstract: Disclosed are various embodiments for optimal routing of payments. A global transaction router hosted by a supernetwork instance can receive a payment request, where the payment request specifies an identifier for a recipient institution. The global transaction router can identify a plurality of routes from the global transaction router to a plurality of respective destination network hubs associated with the recipient institution. The global transaction router can calculate a score for individual routes of the plurality of routes, where the score is based on a plurality of routing factors. The routing factors can be weighted based at least in part on routing preferences included with the payment request. The global transaction router can select one of the plurality of routes based on the score and cause the payment request to be provided to a destination network hub on the one of the plurality of routes.

Abstract: A method executed by a computing device includes identifying a contingency-action token (CAT) of an object distributed ledger that meets minimum CAT requirements. The method further includes determining whether to select the CAT based on an evaluation of the CAT with regards to an evaluation profile. When selecting the CAT the method further includes producing a selected CAT and determining reassignment information for the selected CAT. The method further includes facilitating taking control of the selected CAT of a blockchain of the object distributed ledger using a securely passing process and updating the selected CAT utilizing the reassignment information for the CAT to produce an updated CAT. The method further includes causing generation of a new block affiliated with the updated CAT via the blockchain of the object distributed ledger using the securely passing process, where the new block includes the updated CAT.

Abstract: Provided is a method for aggregating data from real-time events (e.g., payment transactions). The method may include receiving event (e.g., transaction) data associated with a plurality of events (e.g., payment transactions). First aggregation of interest data associated with a type of aggregation of interest may be received. A first key associated with each event (e.g., transaction) may be determined based on a first portion of the event (e.g., transaction) data associated with each event (e.g., transaction) and the first aggregation of interest data. A first value based at least partially on a first plurality of the first keys associated with a first subset of the plurality of payment transactions may be communicated based on a first user request. A system and computer program product are also disclosed.

Abstract: A system, a medium, and a method are provided to split data paths among various devices in data communications system. In some instances, the server device receives a request from a remote device such as a website server or a checkout device, where the request indicates a user request to purchase one or more items. An account management component of the server device determines a user account associated with the user request and identifies a user device associated with the user account, such as the user's smartphone. An authentication component of the server device generates an electronic message that indicates that the user must authenticate the request such that the request may be processed and initiates a transmittal of the electronic message to the user's smartphone. The user may accept or authenticate the request to process the request.

Abstract: There are provided systems and methods for identifying transaction processing retry attempts based on machine learning models for transaction success. A service provider, such as an electronic transaction processor for digital transactions, may detect a failure of data processing for a transaction when processed with a separate data processing system, such as a card processing system for payment cards. In order to minimize cost and wasted resources for retrying transactions that are likely to further fail, a machine learning model may be implements that generates a predictive score for whether a failed transaction is likely to be successful if retried with the data processing system. The predictive score may be used to predict a probability of success, which may then be used with a cost function to determine a cost to retry the failed transaction and a cost to stop a retry of the failed transaction.

Abstract: An example operation includes one or more of receiving event data from an entity, determining the event data satisfies an endorsement policy, setting an identifier that corresponds to a context of the event data, generating an event which includes the event data and the identifier, and submitting the event for recording in a decentralized database, wherein the identifier is used to validate that a state corresponding to the context in the event data is correct.

Abstract: A system may receive request electronic data messages and counter-request electronic data messages from various network participant nodes within a defined time interval. The system may extract data from the electronic data messages to generate input codes including indicators that characterize execution values and imputed variability levels for the electronic data messages and/or characterize the message types of the electronic data messages. The input codes are used to generate a time-interval-specific support vector machine for the defined time interval. The system may then generate dummy data including execution value and imputed variability level tuples. The dummy data is used to map boundary levels from the time-interval-specific support vector machine versus execution values.

Abstract: Aspects of the present disclosure are presented for an Embedded Data Transaction Exchange Platform (EDT-X) that generates marker data about relevant data of a transaction, and reliably stores the marker data in a permanent data storage, such as a block chain distributed ledger. The EDT-X platform does not generate the actual information that explains who was involved in the transaction or what the contents of the transaction were, but rather generates marker data that can reliably lead to tracing back to that information. The marker data may be permanently stored in a permanent data storage entity, such as a block chain distributed ledger. The data about the content of the transaction may be anonymously stored in a secure database, and the marker data pointing to the content of the transaction may be retrieved from the block chain distributed ledger to look up where the content data is stored in the secure database.

Abstract: Computer systems and methods for generating portable and data-agnostic annuity datasets are disclosed where a central server generates multiple instructions to receive annuity dataset data records, participant attributes, and annuity attributes for a plurality of annuity datasets from employer servers and recordkeeper servers; integrates different annuity datasets by mapping the data fields of each respective annuity dataset and creating uniform data-agnostic annuity datasets; continuously monitors a performance value for each data-agnostic annuity dataset; and dynamically modifies recordkeepers when the performance value of annuity datasets do not satisfy a pre-determined threshold by modifying recordkeeper data records.

Abstract: The state of a trade order may be defined and/or maintained in response to user action at a trading device. A trading device may receive a user action on a graphical user interface (GUI). The user action may cause the submission of the trade order to the electronic exchange. The trading device may receive a user action on the GUI to define an active order state. The trading device may maintain the order state until receiving an identified user action on the GUI to change the order state to inactive, which may cause the trade order to be canceled or held at the electronic exchange. The user action causing the change in the order state may be an active use action, such as a selection, or a passive user action, such as a failure to perform a selection. Such user action may encourage user attention when managing trade orders.

Abstract: A live video of a negotiable instrument may be provided to a financial institution so that an image of the negotiable instrument may be obtained from the live video, processed, and funds associated with the negotiable instrument may be deposited in an account of a user. The user may be identified and authenticated to the financial institution by one or more biometric characteristics. One or more biometric characteristics may be used to endorse the negotiable instrument. A holder may be used to hold the negotiable instrument while live video is being taken and provided from a user to a financial institution.

Abstract: Distributed ledger cores are disclosed.

Abstract: The disclosed embodiments relate to implementation of a syntax for altering one or more rules by which a blockchain may be modified wherein the software implementing each client of a blockchain network are programmed to be responsive to requests or directives to alter one or more rules by which blocks may be added to a blockchain responsive to transactions received for storage therein, the requests/directives being processed by the client as a transaction and added to the block in accordance with the current state of the operating rules, thereby adding a new rule or modifying an existing rule for subsequent operation of the client.

Abstract: A system includes a synchronization group of a distributed ledger network. The synchronization group includes nodes. The nodes include a first node to generate a content block of a ledger, and participate in a consensus process to generate a consensus block based at least in part on the content block. The nodes further include a second node to receive a copy of the content block from the first node, and participate in the consensus process to generate the consensus block.

Abstract: A method is provided for carrying out a financial transaction. The method is implemented within a terminal of a user wishing to carry out a transaction with a merchant. The method includes: receiving a merchant's identifier; receiving a piece of data representing a transaction amount; generating a transaction by using the user's terminal to the benefit of the merchant; and transmitting the transaction to a transaction management server.

Abstract: Aspects of the present disclosure are presented for an Embedded Data Transaction Exchange Platform (EDT-X) that generates marker data about relevant data of a transaction, and reliably stores the marker data in a permanent data storage, such as a block chain distributed ledger. The EDT-X platform does not generate the actual information that explains who was involved in the transaction or what the contents of the transaction were, but rather generates marker data that can reliably lead to tracing back to that information. The marker data may be permanently stored in a permanent data storage entity, such as a block chain distributed ledger. The data about the content of the transaction may be anonymously stored in a secure database, and the marker data pointing to the content of the transaction may be retrieved from the block chain distributed ledger to look up where the content data is stored in the secure database.

Abstract: Systems and methods for automated accident analysis such as automatic multi-device accident detection and verification, automated multi-device information capture, and automated geospatial and geo-relational digital scene recreation.

Abstract: The state of a trade order may be defined and/or maintained in response to user action at a trading device. A trading device may receive a user action on a graphical user interface (GUI). The user action may cause the submission of the trade order to the electronic exchange. The trading device may receive a user action on the GUI to define an active order state. The trading device may maintain the order state until receiving an identified user action on the GUI to change the order state to inactive, which may cause the trade order to be canceled or held at the electronic exchange. The user action causing the change in the order state may be an active use action, such as a selection, or a passive user action, such as a failure to perform a selection. Such user action may encourage user attention when managing trade orders.

Abstract: A live video of a negotiable instrument may be provided to a financial institution so that an image of the negotiable instrument may be obtained from the live video, processed, and funds associated with the negotiable instrument may be deposited in an account of a user. The user may be identified and authenticated to the financial institution by one or more biometric characteristics. One or more biometric characteristics may be used to endorse the negotiable instrument. A holder may be used to hold the negotiable instrument while live video is being taken and provided from a user to a financial institution.

Abstract: An apparatus and method for reference-based card enrollment for secondary devices are provided. The method includes receiving information of a payment instrument from a first device, transmitting the information of the payment instrument to a payment network, receiving, by the payment system, a unique account reference identification (ID) corresponding to the payment instrument, and using the account reference ID to enable a second device to use the payment instrument.