Abstract: Systems and methods for peer-to-peer money transfers are disclosed. The system may allow senders to transmit money transfers to receivers. The system may receive a money transfer request from the sender comprising the designated receiver, a money transfer amount, and a sender transaction account. The system may generate a receiver transaction account associated with the designated receiver, wherein the receiver transaction account comprises the money transfer amount. The system may provide the receiver access to the receiver transaction account using different channels, including by providing a digital transaction instrument or a physical transaction instrument.

Abstract: One or more embodiments described herein relate to database and data structure management to improve the storage capabilities and processing accuracy of location data for compliance monitoring. In known database systems, the quantity of location data available and/or collected can pose storage and/or processing challenges. Some embodiments described herein relate to the management of databases and/or data structures, including when data is created, modified, and/or deleted, to improve storage efficiency and/or relevance of stored data. One or more systems and methods described herein may automate the process of monitoring, collecting, storing, analyzing, and utilizing data and information.

Abstract: One or more embodiments described herein relate to database and data structure management to improve the storage capabilities and processing accuracy of location data for compliance monitoring. In known database systems, the quantity of location data available and/or collected can pose storage and/or processing challenges. Some embodiments described herein relate to the management of databases and/or data structures, including when data is created, modified, and/or deleted, to improve storage efficiency and/or relevance of stored data. One or more systems and methods described herein may automate the process of monitoring, collecting, storing, analyzing, and utilizing data and information.

Abstract: Systems and methods for peer-to-peer money transfers are disclosed. The system may allow senders to transmit money transfers to receivers. The system may receive a money transfer request from the sender comprising the designated receiver, a money transfer amount, and a sender transaction account. The system may deduct the money transfer amount from the sender transaction account. The system may generate a receiver transaction account associated with the designated receiver, wherein the receiver transaction account comprises the money transfer amount. The system may provide the receiver access to the receiver transaction account using different channels, including by providing a digital transaction instrument or a physical transaction instrument.

Abstract: Techniques for providing friction-free transactions using geolocation and user identifiers are described herein. These techniques may ascertain a user's location based on a location of a mobile device. A transaction between the user and a merchant may be completed with zero or minimal input from the user based on the geolocation of the mobile device and the user identifiers. In some implementations, a transaction initiated earlier is completed when the mobile device arrives at the merchant. Additionally, a parent-child or similar relationship may be established between multiple devices. Security on the mobile device based may be provided by biometric identification and calculation of variance from regular movement patterns. Advertisements may be sent to the mobile device based on bids from merchants near to the mobile device. A relationship between the mobile device an a merchant may be bootstrapped from previous transactions that did not use the mobile device.

Abstract: Techniques for providing friction-free transactions using geolocation and user identifiers are described herein. These techniques may ascertain a user's location based on a location of a mobile device. A transaction between the user and a merchant may be completed with zero or minimal input from the user based on the geolocation of the mobile device and the user identifiers. In some implementations, a transaction initiated earlier is completed when the mobile device arrives at the merchant. Additionally, a parent-child or similar relationship may be established between multiple devices. Security on the mobile device based may be provided by biometric identification and calculation of variance from regular movement patterns. Advertisements may be sent to the mobile device based on bids from merchants near to the mobile device. Points may be accumulated through transactions with merchants and later redeemed for free or discounted goods and/or services.

Abstract: A user password is obfuscated using a first obfuscation algorithm and stored. A security module receives a password from a user a first time and, in response thereto, obfuscates the password using a second obfuscation algorithm and stores the obfuscated password. The security module subsequently receives the password from the user a second time. In response thereto, the security module obfuscates the password using the second algorithm a second time and compares the results of the obfuscation with the stored password obfuscated using the second algorithm. If the results of the obfuscation and the stored password obfuscated using the second algorithm match, the security module replaces the stored password obfuscated using the first algorithm with the password obfuscated using the second algorithm. The operations are performed transparently to the user associated with the password.

Abstract: Systems and methods may provide automated compliance and operations management services. User tracking information may be received and stored. The tracking information may be analyzed to generate information for compliance or operations management, which may be provided to a recipient. Systems and methods may automate the process of monitoring, collecting, storing, analyzing, and utilizing data and information. Alerts may be generated. Reports may be compiled and delivered to a reporting entity, and may be used for compliance, tracking, monitoring or operations management. Some data may be fed directly into other existing systems and databases including, but not limited to, payroll processing systems, tax enterprise resource planning systems, human resource (HR) systems, time-keeping systems and billing systems. Proposed systems and methods may be used by individuals, enterprises, or other entities that gather data for regulatory or other compliance or operations management.

Abstract: A method for monitoring a wireless channel or wireless network. Preferably, the method and system monitors a web-based network. Active data probing is used to estimate bandwidth availability when no a-priori knowledge of the current channel or network condition is available, and passive monitoring is used to track ongoing web traffic in estimating the current bandwidth available. Data probes are selected that are dynamically customized based on application requirements and the network variability observed in view of a balancing between accuracy of the bandwidth estimation and the potential overhead in terms of time consumed and additional traffic used. In this way, under specified limits of overhead, the active probing attempts to achieve best-effort network bandwidth estimation, and the passive monitoring tracks ongoing web traffic in estimating the current bandwidth available.

Abstract: An aspect of the present invention provides a method for managing lending, comprising registering participants in a network, linking registrations of participants to form connections between two or more participants, and receiving a request for a loan from a debtor participant registered on the network. The method further comprises transmitting the request to participants linked to the debtor participant, receiving offers to lend money from lender participants in response to the request from the debtor participant, and receiving input from the debtor participant related to acceptance of selected offers.

Abstract: A method for monitoring a wireless channel or wireless network. Preferably, the method and system monitors a web-based network. Active data probing is used to estimate bandwidth availability when no a-priori knowledge of the current channel or network condition is available, and passive monitoring is used to track ongoing web traffic in estimating the current bandwidth available. Data probes are selected that are dynamically customized based on application requirements and the network variability observed in view of a balancing between accuracy of the bandwidth estimation and the potential overhead in terms of time consumed and additional traffic used. In this way, under specified limits of overhead, the active probing attempts to achieve best-effort network bandwidth estimation, and the passive monitoring tracks ongoing web traffic in estimating the current bandwidth available.

Abstract: Method and system for providing a web page. Preferably, the method and system composes a web page based on real-time conditions. In an exemplary method, a web page including a plurality of data objects is received. For each of the plurality of data objects, content importance is evaluated. Available bytes that can be transmitted under current bandwidth of a communication channel to meet a desired latency goal are estimated, and the available transmission bytes are distributed among different ones of the plurality of data objects based on the evaluated content importance.