Abstract: There is provided a gesture-based GUI (system, method, etc.) to facilitate input of numerical data using a continuous swipe gesture. A gesture-based I/O device displays a GUI presenting a gross number and a gross number control to initially define a specific number for further defining with specificity. In response to a first gesture (hard click or pause) interacting with the gross number control, the specific number is initially defined as the gross number and a finer number control is presented to refine the specific number. In response to a continuous swipe gesture continuing from the first gesture and interacting with the finer number control, the interface further defines the specific number with finer specificity where a quantum varies in response to a direction and distance of the continuous swipe. Successive finer number controls may be also be presented to refine the specific number by continuing the swipe.

Abstract: Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.

Abstract: A system, method and computer readable medium provide a gesture-based graphical user interface to determine allocation information to instruct an allocation. A gesture-based I/O device displays a graphical user interface having: an amount region configured to define an allocation amount; a plurality of source regions each configured to define an allocation source; and a plurality of destination regions each configured to define an allocation destination. Input is received via the gesture-based I/O device as a swipe gesture having at least two directions, the swipe gesture interacting with the amount region to define the allocation amount and interacting with at least one of a source region of the plurality of source regions and a destination region of the plurality of destination regions to define an allocation source and an allocation destination for the allocation amount.

Abstract: A processor receives a signal representing data including event information detailing an event involving an entity having a registered ownership interest in a product and loads a portion of a distributed electronic ledger for tracking ownership information associated with the product. The distributed electronic ledger includes, within a block thereof and associated with the product, an event trigger list including entity data associated with each entity having a registered ownership interest in the product and a rules engine including rules associated with event triggers in the event trigger list. The processor determines whether a triggering event corresponding to the event is stored in the event trigger list and, when the event has a corresponding triggering event, determines the associated rule within the rules engine. The processor updates and saves the distributed electronic ledger by performing an action specified by the determined associated rule.

Abstract: The disclosed embodiments include methods and systems for providing context-based event determination and/or context-based event triggered product and/or service offerings. A system may automatically detect that a client has experienced, directly or indirectly, a personal event, (e.g. a birth, a wedding engagement, a death, a car accident) and use such context to trigger the offering of a product and/or service. Product and/or service data is maintained for respective products and/or services available to clients as is events data associating respective products and/or services to particular personal event scenarios. An offering of at least one product and/or service to provide the client may be determined following the receipt of a personal event scenario experienced by the client. Operations may be performed to communicate to another computer system across a network to provide to the client the offering of the at least one product and/or service.

Abstract: Methods and systems provide application platform security enforcement. A distributed system communicates between a plurality of remote devices and at least one secured server to facility providing a secured service. The distributed system may comprise a remote communication server and one or more security layer components where the plurality of remote devices connect through ones of the security layer components. Upon detection of a security breach by a first remote device, the distributed system determines potential devices at risk from the plurality of remote devices, analyzing risk factors for commonalities. A lock down and/or quarantine of the first remote device and the devices at risk is instructed. Risk factors may include whether the remote devices communicate via a same security layer component, are geographically proximate; and/or are associated at the user level, for example are proximate users in a social network graph. Reactivation is also provided.

Abstract: The disclosed embodiments include computerized methods and systems that provide mobile application programs to devices of users and that administer these mobile application programs using tokens “pre-loaded” with data. In one aspect, the disclosed embodiments may generate a mobile payment product, such as a mobile wallet, that is “pre-loaded” with eligible financial products. For example, the disclosed embodiments may receive a request from a user device to obtain an application program that administers the mobile wallet, and in response to the received request, may obtain information identifying one or more financial products eligible for inclusion in the mobile wallet. The disclosed embodiments may generate a mobile wallet token based on the eligible financial product information and store the mobile wallet token in cloud-based storage. The user device may, upon authenticating the user, obtain the mobile wallet token and provision the mobile wallet with the eligible financial products.

Abstract: The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users. For example, the disclosed embodiments may receive, from a first user, a request to delegate a financial product to a second user to complete purchase transactions. In response to the received request, the disclosed embodiments may identify one or more temporal or financial conditions on the delegation, and may generate a corresponding mobile wallet token for transmission to a second user device. The second user device may, for example, process the mobile wallet token and establish the delegated financial provide in the second user's mobile wallet in accordance with the at least one of the temporal or financial conditions.

Abstract: The disclosed embodiments include computer-implemented systems and processes that perform operations consistent with services provisioned to a device based on real-time sensor data indicative of and characterizing a user's operation of the device and additionally or alternatively, a system or apparatus that includes the device. For example, the device may obtain stored data identifying a provisioned service, and may obtain sensor data captured by an on-board or external sensor during an operation of the device. Based on the sensor data, the device may generate a usage parameter that characterizes the operation of the device during a temporal period, and perform an operation consistent with the provisioned service in accordance with the generated usage parameter.

Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.

Abstract: A system comprises a non-transitory machine readable storage medium storing instructions and a database identifying a plurality of assets and a state of each asset. The instructions configure a processor for receiving updates to a distributed electronic ledger managed by plural peer processors. Each update includes an event or change affecting one of the assets. The peer processors verify portions of the ledger describing each event or change. At least one of the updates has not yet been recorded in the ledger at a time of the receiving. The processor computes a state of each asset, based on the updates, receives a request for a state of one of the assets; and responds to the request, reflecting each event and change affecting that asset. The response is performed without waiting for the peer processors to verify an update that has not yet been recorded in the ledger.

Abstract: The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.

Abstract: A processor receives a signal representing data including event information detailing an event involving an entity having a registered ownership interest in a product and loads a portion of a distributed electronic ledger for tracking ownership information associated with the product. The distributed electronic ledger includes, within a block thereof and associated with the product, an event trigger list including entity data associated with each entity having a registered ownership interest in the product and a rules engine including rules associated with event triggers in the event trigger list. The processor determines whether a triggering event corresponding to the event is stored in the event trigger list and, when the event has a corresponding triggering event, determines the associated rule within the rules engine. The processor updates and saves the distributed electronic ledger by performing an action specified by the determined associated rule.

Abstract: An apparatus maintains a segregated database in a multiple distributed ledger system. The apparatus includes a storage device that stores software instructions for controlling a processor that when executed by the processor configure the processor to: create distributed ledgers, each created distributed ledger being associated with a respective individual profile; maintain a segregated database apart from the distributed ledgers including, for each individual profile, profile balance data; and process a data exchange between exchanging profiles.

Abstract: The disclosed embodiments include computerized methods and systems that automatically verify an identity of a user based on social media messaging. In an embodiment, an apparatus identifies a first social media message associated with a social networking account of a user and generated by a device of the user. The apparatus may generate may extract authentication data from the first social media message, and may verify an identity of the user based on a correspondence between the extracted authentication data and at least a portion of stored user profile. In response to the verification, the apparatus may generate one or more electronic commands to initiate an action involving one or more securities.

Abstract: An apparatus for use in a digital asset tracking system includes a storage device and a processor coupled to the storage device. The storage device stores software instructions for controlling the processor that when executed by the processor configure the processor to receive a signal representing a request comprising a first transfer from a first digital container associated with a first client to a second digital container associated with a second client. A value of the first transfer is compared to a total value in one or more accounts associated with the first client. At least one of the one or more accounts associated with the first client has a value in a first currency. A first draft is generated from a first account to an account associated with the second client. The first draft comprises a value in a second currency equivalent to the value of the first transfer.

Abstract: A system includes a first client device that is coupled to a second client device. An apparatus, coupled to the first and second devices, includes a storage device coupled to a processor. The storage device stores software instructions for controlling the processor that when executed configures the processor to generate a listing of expected values and referral events associated with a tracked matter. Each referral event corresponds to a different expected value and the distributed listing includes a sequence of units corresponding to different expected values and corresponding referral events. The processor receives a notification from one of the first or second device that is representative of a referral operation between the first and second location. The processor determines an outcome value for the referral operation and identifies whether the determined outcome value is accurate based on the distributed listing.

Abstract: A system includes devices and sensors associated with a construction site for a project. A computing apparatus, communicates with the devices and the sensors, includes a storage device and a processor. The storage device stores software instructions for controlling the processor that when executed by the processor configures the processor to obtain a predetermined construction schedule with terms for the project. The processor obtains sets of data that each corresponds to a different term. The processor generates a distributed listing for the project, which includes a sequence of a plurality of units corresponding to different terms and sets of data. The processor receives a signal from one of the sensors, wherein the signal is representative of a progress event. The processor identifies whether the progress event at the site corresponds to one of the terms in the schedule and updates and saves the distributed listing when a correspondence is identified.

Abstract: Methods and devices for controlling display of a user interface. A computing device configured to enable data exchanges in connection with accounts, including a credit account, determines whether a requested data exchange with the credit account will result in the credit account exceeding a utilization threshold. If not, a standard interface for completing the data exchange is displayed. If the data exchange will result in exceeding the threshold, then a modified interface is displayed. The modified interface enables completion of the data exchange within a minimum time period longer than the minimum time period within which the data exchange may be completed through the standard interface. Example modifications include adding an input element or field, adding delay to display or rendering of graphics, adding pop-ups, or removing pre-populated selections or values, among others.

Abstract: A system, method and computer readable medium provide a gesture-based graphical user interface to determine allocation information to instruct an allocation. A gesture-based I/O device displays a graphical user interface having: an amount region configured to define an allocation amount; a plurality of source regions each configured to define an allocation source; and a plurality of destination regions each configured to define an allocation destination. Input is received via the gesture-based I/O device as a swipe gesture having at least two directions, the swipe gesture interacting with the amount region to define the allocation amount and interacting with at least one of a source region of the plurality of source regions and a destination region of the plurality of destination regions to define an allocation source and an allocation destination for the allocation amount.