Abstract: Various examples are directed to providing portfolio management tools. For example, a system may generate a portfolio management user interface comprising a first table and a first rebalancing button. The first table may comprise an asset class name column; a model portfolio column indicating asset class weights in a model portfolio; a test portfolio column indicating asset class weights in a test portfolio; a modification column indicating modifications to asset class weights; a modified portfolio column indicating asset class weights in a modified portfolio; and a plurality of rows comprising a first row for a first asset class of the asset classes and a second row for a second asset class of the asset classes. The system may receive an indication that the user selected the rebalancing button and generate a first set of modifications to asset class weights to reduce a difference between the test portfolio and the model portfolio.

Abstract: A computer-implemented system and method for providing a dynamic execution environment. In an embodiment, the system and method comprises receiving a base user interface from a server, creating and storing one or more intermediate representations (IRs) which represent a mapping between the base user interface and a modified user interface, executing the one or more IRs to intercept network communication from the server, map between the base user interface and the modified user interface, and send the modified user interface to one or more clients, and executing the one or more IRs to intercept network communication from the one or more clients to the server with user data, map between the modified user interface and the base user interface, and send the base user interface and the user data to the server.

Abstract: A system for strategy-based exit planning comprises a processor and a memory. The processor is configured to receive an indication to create an exit plan; and create an exit plan for a strategy, wherein the strategy comprises one or more instruments. The memory is coupled to the processor and configured to provide the processor with instructions.

Abstract: A device receives image data associated with an environment of an individual and identifies verifiable content by processing the image data. The device processes the verifiable content to determine a likelihood that the individual is an employee or agent of an organization and to determine a set of likelihoods of the environment being a work environment. The device determines, based on the likelihood and the set of likelihoods, a number of verifiable hours worked by the individual during a given time period. The device identifies wages data that specifies a number of hours worked that has been credited to the individual for the given time period, determines that an amount of wages paid to the individual is an incorrect amount of wages, and provides an alert to another device that indicates that the amount of wages paid to the individual is the incorrect amount of wages.

Abstract: In an embodiment, a computer-implemented method comprises receiving supplier invoice data comprising one or more supplier payment objects corresponding to a supplier to a customer of a supplier-customer transaction. A match determination is made between the supplier payment object and a verified payment object. In response to a no-match determination, a customer transaction system is queried to validate the supplier, and in response to the supplier validation, a validation payment object is created, validating the supplier. A match determination is made between the supplier payment object and the verified payment object, and the supplier invoice is automatically generated. In response to receiving subsequent supplier invoice data corresponding to the supplier of subsequent supplier-client transactions, for each subsequent supplier-client transaction, the subsequent supplier invoice is automatically generated with the verified payment object.

Abstract: The present application relates to the technical field of cruising taxis and online appointment vehicles, and in particular relates to an order processing method and apparatus, a server and a storage medium. The method includes: receiving an order request sent by a user, the order request including information of a requested vehicle model set by the user; selecting a target vehicle according to the order request so as to send order distribution information; and if the requested vehicle model set by the user is an online appointment vehicle model, sending an operating state change instruction to the target vehicle. According to the order processing method not only avoids the order acceptance and dropping behavior of cruising taxi drivers and ensures that the user may travel conveniently, but also ensures that the vehicle that accepts the order may meet user demands, improving the user experience.

Abstract: A method and system assist users of an electronic bookkeeping system to sort financial transactions into accounts representing bookkeeping categories. The method and system generate vectors representing the accounts and the merchants known to the bookkeeping system. The method and system generate compressed versions of the vectors by compressing the vectors. The method and system assist users to sort the financial transactions by analyzing the compressed vectors.

Abstract: A system and method for using financial instruments to provide investment incentive to fund disaster mitigation projects and/or ecosystem restoration projects triggered by real world events detected at set points by sensors and analyzed by computing devices. The detection of events results in the computational analysis and determination of a characteristics of a resilience bond or ecosystem-service bond to be issued or returned to investors. Examples involve sensors used to detect events, including flood damage mitigation, earthquake damage mitigation, or air quality improvement. In one preferred embodiment of the disclosure an investor may make an initial payment into a financial instrument being a resilience bond used to fund a mitigation project, said financial instrument pays phases to the mitigation project developer at the completion of phases of the project that occur prior to the occurrence of a disaster.

Abstract: A device communicates with a parking meter associated with a parking space to be used for parking by an electric vehicle, where the electric vehicle is associated with the device. The device receives vehicle power information, vehicle profile information, and vehicle location information, and determines parking payment options based on the vehicle power information, the vehicle profile information, and the vehicle location information. The device receives a selection of a particular parking payment option of the parking payment options, where the particular parking payment option includes an option to pay for parking by providing power to the parking meter from the electric vehicle. The device causes the electric vehicle to connect to the parking meter based on the particular parking payment option, and causes the electric vehicle to provide power to the parking meter based on the particular parking payment option.

Abstract: A flexible advance system allows users to request and receive advances. The flexible advance system processes advances such that short-term advances are repaid through a wage deduction from the user's next regularly scheduled compensation period. The flexible advance system provides a user interface that allows users to request to receive compensation for a portion of time worked. Responsive to a request, an entry in a database associated with the user is accessed to determine a total amount of available advance compensation available for request by the user. In response to the requested amount being less than the total amount of available advance compensation, a transfer of compensation is executed to an account of the user. The flexible advance system also modifies the entry in the database by subtracting the compensated amount of time from the total amount of uncompensated time.

Abstract: Implementations for providing event processing services for a plurality of services are described. An example method may comprise receiving, by a payment processing service, data indicative of a payment event associated with an ordering service. The method may comprise causing, based on an accounting rule specific to a payment option associated with the payment event, a first entry associated with a handover account and the payment event to be added to a data store. The method may comprise sending, to the ordering service, handover information indicating the handover account and the payment event. The ordering service may cause, based on the handover information, a second entry associated with the handover account and the payment event to be added to the data store. The handover account may facilitate satisfying accounting rules for payment events without the ordering service having to manage satisfaction of the accounting rules.

Abstract: The present invention provides a system and method for managing operations in an enterprise application. The invention includes predicting a dataset characteristic such as an incident or outage in the enterprise application based on analysis of the dataset received from distinct data sources. The invention includes data cleansing, feature extraction based on probability data analysis and classification of dataset based on data models trained on historical dataset characteristic data. The invention includes linkedchain based architecture with configurable components structuring the enterprise application.

Abstract: Payment solutions that allow a user to pay for an order in a store using a user device typically only pass the total payment amount to the user device. One way of displaying other order information on a user device involves the user device sending, to the server, a URL containing instructions for building an online page to display the order. However, this introduces the risk that a malicious user may modify the URL to remove an item from the order or change a price of an item without informing the merchant. The present application relates to systems and methods for preventing malicious activity by users when modifying order information. According to some aspects of the present disclosure, items entered into a merchant's point of sale device are sent to a server for storage in order information which can be retrieved by a user device using an identifier.

Abstract: The present disclosure describes image analysis techniques that identify the source of a document. Once the source of the document is determined, the image analysis may locate one or more anchor fields in the document. The anchor fields may identify one or more additional fields that contain time-sensitive data and/or information. The image analysis performed herein may identify the time-sensitive data and/or information and process the data and/or information to schedule due dates and reminders.

Abstract: Simplification of complex input strings is utilized for user convenience, such that the user may input a complex input string in lieu of performing an external calculation and inputting the result thereof. The simplification identifying at least one operator in the complex input string indicative of a mathematical operation, identifying a first sub-string and a second sub-string in the input string, comparing the first sub-string to an expectation identification associated with the input field to determine a significance of the first sub-string, comparing the first sub-string to a range expectation associated with said significance to determine if the first sub-string meets the range expectation, and calculating a simplified input string by performing the mathematical operation on the first sub-string and the second sub-string.

Abstract: A method and system are provided for matching database records. According to one embodiment, the method includes receiving a record from a first database, and selecting a sequence of characters within the record. The method also includes identifying a key associated with a second, dissimilar database by comparing the selected sequence with a number of historical records. The comparison is performed using one or more analytical processes, where at least one analytical process is a machine-learning (ML) process. The method further includes matching, using the key, the record from the first database with another record from the second database, where the other record includes the identified key.

Abstract: Provided, in an aspect, is a system for managing transactions from a financial services computer network. The system has a scalable architecture, and includes a database, one or more processors, a plurality of experience matchers, and a transaction hub. Each experience matcher is associated with a different experience set type, and can receive a transaction list and return an identified experience set. The transaction hub can communicate with multiple experience matchers, and can receive experience sets from the matchers after sending them a list of transactions.

Abstract: Example embodiments provide a multi-currency cart and checkout. In example embodiments, a currency accepted and a payment option for each item in a multi-currency cart is identified. A plurality of currency groups is generated based on the currency and payment options, whereby each currency group comprises one or more items having a same payment option and accepting a same currency. A multi-currency checkout user interface (UI) is presented on a client device that presents the plurality of currency groups and a pay selector for each of the plurality of the currency groups. An updated multi-currency checkout UI is presented in response to processing payment for a selected one of the plurality of currency groups. The updated multi-currency UI comprises a confirmation for payment for the selected one of the plurality of currency groups and remaining currency groups of the plurality of currency groups.

Abstract: A computer-implemented method includes providing first access rights to a bank account to a first user account of a first user, providing second access rights to a second user account of a second user, establishing a connection between the second user account and a server hosting a website for accessing information for the bank account, providing a user interface displaying a plurality of budget categories for categorizing at least one transaction via the website and according to the second access rights, determining a first subcategory and a second subcategory of the plurality of budget categories based on data associated with the at least one transaction, receiving a user input from the second user account comprising a selection of at least one of the first or second subcategory, and displaying to the user interface responsive to receiving the user input a summary section of the selected first subcategory or second subcategory.

Abstract: Methods, storage systems and computer program products implement embodiments of the present invention for controlling execution of automations that are associated with a table in a database. To implement these embodiments, respective bypass flags are defined in the automations, and an input indicating a bypass setting is received. In response to initiating execution of process for managing the table, the bypass flags are compared to the bypass setting so as to determine whether to permit or to bypass each given automation. Finally, during execution of the process, execution of the permitted automations is allowed, and execution of the bypassed automations is prevented.

Abstract: Disclosed herein are methods and systems of visually representing and tracking transactions on a graphical user interface to identify fraudulent or money-laundering entities. A server may receive data corresponding to a plurality of transactions for display on the graphical user interface as a set of graphical nodes linked by a set of graphical components. When the server receives a selection of a graphical node from a user, the server may display on the graphical interface a first subset of graphical nodes directly linked by a first subset of graphical components to the selected graphical node, a visual attribute of each of the first subset of graphical components directly linked to the selected graphical node, and a second subset of graphical nodes indirectly linked by a second subset of graphical components having at least one degree of separation from the selected graphical node.

Abstract: A method for adjusting electrical energy flow schedules of a utility handling a plurality of distributed energy resources. The method comprising the steps of providing information regarding energy flow of the energy resources and storing said information on a distributed ledger; transferring energy schedules from the utility to the distributed ledger; transferring said information regarding the energy flow and the energy schedules from the distributed ledger to a computing means and computing proposed corrections for the energy schedules; transferring said proposed correction to the distributed ledger; transferring said proposed correction to the utility which decides to use or not to use the proposed correction. By deciding to use the proposed correction, the schedules are corrected and information is transferred from the utility to the computing means.

Abstract: A verification method includes: acquiring, in response to XBRL data, data of an optional title from the XBRL data as target data to be verified; specifying, with reference to definition information of the XBRL data, attribute values assigned to data of the same title as the target data; and verifying validity of the target data by using an algorithm that determines that the target data is valid when the specified attribute values are associated with or not associated with the target data, and determines that the target data is not valid when attribute values other than the specified attribute values are associated with the target data, wherein the verifying is configured to determine that the target data is not valid when the specified attribute values include attribute values of a predetermined type, and none of the attribute values of the predetermined type is associated with the target data.

Abstract: A method, apparatus, system, and computer program for verifying benefit information for an employer-provided benefit plan. A computer system verifies employee enrollments in the benefit plan. Verifying employee enrollments includes receiving an employee identifier in a first panel of a graphical user interface, identifying an employee associated with the employee identifier, identifying employee enrollments of the employee, and displaying the employee enrollments in the first panel. The computer system verifies plan benefits for the benefit plan. Verifying plan benefits includes receiving a plan identifier in a second panel of the graphical user interface, identifying the plan benefits based on the plan identifier, and displaying the plan benefits in the second panel. The computer system verifies plan membership.

Abstract: Systems and methods are provided for processing multi-dimensional orders. A data transaction request message is received at a data transaction system. The data transaction request message includes data representative of at least a first function for a first attribute of a commodity and a second function for a second attribute of the commodity. The data transaction system identifies a set of solutions described by the first function and the second function. The set of solutions including values for different variations of the object that the participant who submitted the data transaction request message is willing to offer or receive for the respective variation. The data transaction system attempts to match one or more of the values from the set of solutions to previously received but unsatisfied electronic data transaction request messages counter thereto stored in an order book data structure.

Abstract: Systems and methods that may be used to provide a predictive tax loan or other monetary advance before the loan recipient (e.g., a taxpayer) prepares and files its tax return. A risk of providing a predictive tax loan or monetary advance is modeled separately from a machine learning model used to determine the anticipated tax refund amount and tax loan. The disclosed systems and methods may also predict accurate tax withholdings based on multiple machine learning models from multiple services, including non-payroll related services.

Abstract: A processing system may obtain usage volume information for endpoint devices for at least one cell site of a cellular network, determine at least one earning value of the at least one cell site based upon a summation of an earning metric of each of the endpoint devices for the at least one cell site, the earning metric comprising for each of the endpoint devices in a given time period: a total earning for the cellular network from the endpoint device times a ratio of the usage volume via the at least one cell site divided by the total usage volume via the cellular network, train a prediction model to predict an earning value of a new cell site, based upon geospatial features of the at least one cell site as predictor factors, and determine a predicted earning value of the new cell site via the prediction model.

Abstract: A system and method for processing requirements in an enterprise resource planning (ERP)/human resources information system (HRIS)/human capital management (HCM) are disclosed. The system comprises a computing device having a processor and a computer-readable medium to store a set of instructions executed by the processor, a database for storing a plurality of requirements from the documents or spreadsheets, and a user virtual machine device to perform different tasks across different modules of ERP/HRIS/HCM. The processor maps the configuration requirements to an ERP/HRIS/HCM instance and provides ability to configure, validate, compare against different environments/instances, and test at the speed, frequency, and precision provided the scale of complexity within configuration requirements and instances. Further, Robotic process automation (RPA) is configured to process the requirements in the ERP/HRIS/HCM systems for automation.

Abstract: Disclosed is system that determines tax liability of entity. The system comprises server arrangement and database arrangement coupled in communication with server arrangement.

Abstract: An example apparatus includes a profile manager to determine whether a user of a vehicle has a corresponding profile stored in memory based on a personalized vehicle key associated with the user, in response to determining that the profile for the user is not available, receive one or more inputs from the user via a display, the one or more inputs including a loading condition threshold and a corresponding response to exceeding the loading condition threshold, and generate the profile for the user based on the one more inputs from the user; and a vehicle feature modifier to modify a feature of the vehicle when a load condition of the vehicle satisfies the loading condition threshold to limit or disable operation of the vehicle based on the corresponding response to exceeding the loading condition threshold, the feature modified based upon the profile.

Abstract: In some implementations, a system may receive interaction data indicating an interaction time and amount. The system may categorize the interaction in a category of a plurality of categories. For each category, the system may compare a total category amount with an average category amount. The system may determine, for each category, a proportion of the total category amount relative to a total account amount. The system may transmit, to a user device, user interface data associated with a ring-shaped user interface element that includes a plurality of segments corresponding to the plurality of categories. The user interface data indicates a width of a particular segment that is based on the comparison of the total category amount for a corresponding category with the average category amount, and an arc length that is based on the proportion of the total category amount for the corresponding category to the total account amount.

Abstract: A transfer request is received from a terminal, in which the transfer request carries a user identity (ID) of a first user, a user ID of a second user, and a virtual card ID of the first user; the virtual card is transferred from user account of first user to user account of second user, based on the user ID of the first user, the user ID of the second user and the virtual card ID; an image for transferring the virtual card is obtained; an image library of the virtual card is obtained; an image ID and the image are stored into the image library of the virtual card.

Abstract: A computer implemented application and system for providing accurate and remotely facilitated certifications of tenants eligible to participate in an affordable housing program, including federally funded and other government types affordable/low-income housing programs. The computer implemented application and system facilitates completion of all steps and elements required for multiple types of certifications, including move in certifications, interim certifications, transfer certifications, annual certifications, and move out certifications. The computer application facilitates remote certification to minimize the difficulties that have been experienced by tenants in providing documents, verifications, and correct answers to affordable housing program forms and questionnaires in person as well as any type a change occurs related to income, status, or household makeup about which the tenant has to notify the affordable/low-income housing program.

Abstract: Disclosed herein are systems and methods for a system for authorizing proxy number token requests. The system may comprise a memory storing instructions and at least one processor configured to execute instructions to perform operations. These operations may comprise receiving a first request to use a proxy number token to complete a first action associated with a first entity; authorizing the first request; receiving a second request to use the proxy number token to complete a second action associated with a second entity; determining a modifiable relationship data binding associated with the first and second entities, the modifiable relationship data binding comprising multiple parameters; determining that the second request satisfies the parameters; and authorizing the second request based on a determination that the second request satisfies the parameters.

Abstract: A data processing method according to an embodiment acquires data including a plurality of records, divides the data based on external condition identification information such as a user ID to generate data sets Di for respective external conditions, divides each of the data sets Di based on label information indicating whether the record corresponds to a positive label indicating that a predetermined event has occurred or a negative label indicating that the predetermined event has not occurred to generate two data sets Di+ and Di? for the respective label information, generates difference data for a combination of a record included in one data set of the two data sets and a record included in the other data set, combines the generated difference data to generate integrated data Dnew, performs statistical analysis using Dnew, and outputs a result of performing the statistical analysis.

Abstract: Embodiments of the present methods and systems are directed to a system and method for managing and editing accounting periods. Particularly, the embodiments are directed to a financial management system that allows for the recordation of financial transactions without first requiring the creation of a user-defined accounting period, and that further allows for the creation, modification, and closure of defined accounting periods.

Abstract: A processor may identify a plurality of data sets subject to upcoming update processing in a next update cycle. For each of the plurality of data sets, the processor may determine a probability that data included in the data set has changed since a most recent update processing. The processor may exclude a first subset of the plurality of data sets having respective probabilities below a threshold value from the upcoming update processing until the respective probabilities are determined again in a subsequent update cycle. The processor may perform the upcoming update processing on the plurality of the data sets not included in the first subset, where the upcoming update processing may include obtaining updated data from at least one external data source.

Abstract: Determining solar panel placement enables sales representatives and homeowners to modify a solar power system by adding or removing solar panels or arrays of solar panels, or changing module type. The user sees the corresponding solar energy production update instantly in a user interface. Determining solar panel placement includes receiving data corresponding to an installation location. A maximum solar panel design is determined based on the installation location. Energy production is determined for a solar panel on each section of a roof of an installation location, and the energy production and energy offset are dynamically displayed in real time when any solar panel or array is selected or deselected.

Abstract: When a loan payment failure occurs, a loan server can retry a payment from a client's financial institution sources rather than immediately charging the client for the payment failure. The payment retry is scheduled on a Friday that is at least three days after the payment failure. If a payment failure from the financial institution sources to the loan server occurs between a Friday and the following Monday the payment retry by the loan server to the financial institution sources will occur on the first following Friday and if the payment failure occurs on Tuesday, Wednesday or Thursday, the payment retry will occur on the second following Friday which is the Friday of the following week from the failure date.

Abstract: Methods and apparatus, including computer program products, implementing and using techniques for providing a customized representation of a business process involving one or more organizational entities that are accessible through a network. A user interface that can display a customized representation of a business process is provided. User information, including user privileges associated with the business process, is stored in a central repository that is accessible through the network. A request to view the business process is received from a first user through the user interface. The user privileges for the first user are retrieved from the central repository. A customized representation of the business process is displayed with the user interface. The customized representation is in compliance with the retrieved user privileges for the first user.

Abstract: A trusted data bank organizes and manages access to streams of personal data owned by users with their permission. The data bank accepts incoming streams of personal data from users (such as financial, utility account, medical, insurance, activity, hobby, life style, consumer preferences, commercial transactions, telematics or smart home data, etc.), and applies user-defined privacy directives. The data bank receives personal data stream criteria and offers for goods, services, discounts, or incentives from personal data consumers (end users). The data bank may compare available streams of personal data and associated privacy directives for potential matches with criteria specified by consumers of personal data, and display offers to qualifying owners of personal data streams. If the owner accepts the offer, the data bank facilitates supplying the personal data stream to the consumer of personal data, and retains the ability to discontinue access to the stream at the owner's request.

Abstract: Techniques described herein are directed to analyzing intellectual-property data according to provide various intellectual property related services to organizations. In particular implementations, information related to products and/or services may be obtained from a number of data sources. Additionally, information related to intellectual-property assets, such as patents, trademarks, copyrights, trade secrets, and know-how, may be obtained. In various situations, the intellectual-property assets may be mapped to respective products and/or services. The mappings between the products and/or services and intellectual-property assets may be used to provide intellectual property related services that correspond to the intellectual-property assets, such as valuation services, strategy-related services, or risk-related services.

Abstract: A method may include executing a baseline classifier on unreviewed transaction features of an unreviewed transaction record to obtain a baseline account identifier, and executing a comparison model on (i) an unreviewed transaction vector of the unreviewed transaction record and (ii) reviewed transaction vectors to obtain comparison scores. The reviewed transaction vectors may correspond to reviewed transaction records each having a user-approved account identifier. The method may further include selecting, using the comparison scores, a reviewed transaction record. The reviewed transaction record may correspond to a comparison score. The comparison score may correspond to a user-approved account identifier of the reviewed transaction record.

Abstract: A database management engine provides a user interface that allows users to access and modify employee information in a database. The database includes entries for employees, and each database entry includes identifying information about the associated employee. A user can request to modify data within database entries, for instance in order to update information associated with an employee. Responsive to the request, the database management engine identifies liabilities associated with the database modification stemming from associated tax laws. Based on the identified tax liabilities, the engine computes the aggregate tax liability owed by the employer and/or employee. Before modifying a database entry, the engine modifies the user interface to include interface elements detailing the computed aggregate tax liability. The user explicitly can be required to confirm the database modification in view of the aggregate tax liability.

Abstract: A system and method for domain aware document classification and information extraction from consumer documents are disclosed. A particular embodiment is configured to: establish, by use of a data processor and a data network, a data connection with at least one applicant platform; receive an upload of documents from the applicant platform via the data network; classify each document as being of a particular document type; determine an information extraction strategy based on a document type classification of a particular document; and extract information from the particular document based on the information extraction strategy.

Abstract: A system for data security includes a processor and a computer-readable storage medium having instructions stored thereon that cause the processor to perform operations including: (i) logging data access events initiated by a user; (ii) generating a user profile of the user, the user profile including a size and a type of data accessed by each data access event; (iii) receiving a new data access event initiated by the user including a size and a type of data requested by the new data access event; (iv) comparing the size and the type of the requested data of the new data access event to the user profile; (v) determining that the new data access event initiated by the user does not correspond to the data included in the user profile; (vi) restricting the requested data associated with the new data access event; and (vii) transmitting the restricted data to the user.

Abstract: Systems, methods and computer programs for transferring data in a communication system are described. The communication system has a first node arranged to send data to a plurality of second nodes using a first protocol. The first protocol allows the transfer of data of a first type. At least one of the second nodes additionally requires data of a second type, which is not included in the data sent according to the first protocol. First data, of the first type, is transferred to a plurality of the second nodes using the first protocol. Second data, of the second type, is stored in a memory. Subsequently, in response to a request, access to the second data is provided to the second node.

Abstract: Disclosed are a process parasitism-based branch prediction method and device for serverless computing, an electronic device, and a readable storage medium. The method includes: receiving a calling request of a user for a target function; when capacity expansion is required, scheduling a container executing the target function to a new server that has not executed the target function in a preset period of time, wherein a parasitic process is pre-added to a base image of the container; triggering the parasitic process when the container is initialized on the new server, the parasitic process being used for initiating a system call, and triggering a system kernel to select a target template function according to the type of the target function and copying the target template function N times; using execution data of the copied N target template functions as training data to train a branch predictor on the new server.

Abstract: A print management system includes a printing apparatus, a first acquisition section that acquires print information indicating a print status, a second acquisition section that acquires collection information indicating a collection status of waste paper, and a provision instruction section that gives an instruction to provide a benefit to a user of the printing apparatus based on both the print information and the collection information.

Abstract: Intelligent application of reserves to transactions are described. In an example, server(s) associated with a payment processing service receive, from a point-of-sale (POS) device operated by a merchant, transaction data associated with a payment transaction between the merchant and a customer. Based on a predictive model, the server(s) can determine a level of risk associated with the merchant and/or the payment transaction and can determine a portion of the transaction to withhold from a settlement amount of the payment transaction based at least in part on the level of risk. The portion can be deposited into a reserves account associated with the payment processing service to satisfy costs associated with chargeback requests.