Abstract: Systems and methods disclosed herein for the client-side management of recurring payment transactions. An account holder can interact with a consumer computing device, such as a smart phone or tablet computer, to provide billing parameters for recurring payments to a merchant. The billing parameters can be updated over time by the account holder.

Abstract: Systems and methods are provided for training a machine learning model to use comments entered by a user submitting an expense to determine a correct expense type. The trained machine learning model is used to predict an expense type by analyzing submitted text comments corresponding to a submitted expense. The expense can be flagged if a mismatch is determined between the expense type of the submitted expense and the predicted expense type, or the submitted expense can be automatically updated to the predicted expense type.

Abstract: The purpose of the present invention is to provide a system, a storage medium, and a determination method capable of appropriately determining whether or not a delivery person is near a store where the delivery person receives a product.

Abstract: An electronic receipt system according to example embodiments includes: a code issuance server configured to issue a code in response to a request from a mobile terminal and to transmit the code to the mobile terminal; a POS terminal configured to read the code displayed on a screen of the mobile terminal, to transmit the code to the code issuance server for inquiry, and when it is confirmed that the code is one that is issued by the code issuance server, to associate the code and electronic receipt information generated when performing transaction processing with each other; and an electronic receipt management server configured to save the code and the electronic receipt information that are associated with each other received from the POS terminal and when the mobile terminal transmits the code, to transmit the electronic receipt information that is associated with the code to the mobile terminal.

Abstract: A computerized system and method for management of leased real property comprises various modules which enhance system operations and the user interface for such system. A property management system may receive and process information, such as digital images, whether still or video, both in conjunction with managing the inspection of units after being vacated by a previous tenant, such as for purposes of maintenance and repair, but likewise may make use of some or all of such property management information in the creation of promotional collateral for use by potential residents in a customer-facing graphical user interface.

Abstract: A payment processing system according to an aspect of the present disclosure includes: at least one memory configured to store instructions; and at least one processor configured to execute the instructions to: associate a plurality of customers; specify a product acquired by each of the plurality of customers in a store; and perform at least one of: processing of collective payment by a customer who is a payer among the plurality of customers when it has been determined that all of the plurality of customers have left the store, for products acquired by the plurality of customers, or processing of separate payment by the customer who is the payer when it has been determined that each of the plurality of customers has left the store, for products acquired by the customer.

Abstract: A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

Abstract: A computing system acquires a plurality of gig-income models for a plurality of gig-workers, and each of the plurality of gig-income models includes a corresponding expected income for a respective gig-worker of the plurality of gig-workers over a period of time. The computing system identifies groups of gig-workers to join an income float pool based on the gig-income models of the gig-workers. The computing system transfers funds into or out from an account associated with a gig-worker in the income float pool in response to detecting, from one or more data sources, a difference between an actual income and an expected income of the gig-worker during an additional period of time. Thus, the gig-worker receives a relatively stable income.

Abstract: Certain aspects of the present disclosure provide techniques for processing transactions in a computing system. An example method generally includes receiving a request to perform an operation with respect to an object included in the request. A system identifies an archetype defining properties of the object included in the request. Based on the identified archetype, the system identifies data repositories to commit data to in order to perform the requested operation and rules for performing the operation with respect to the object. One or more actions are executed against the identified data repositories according to the identified rules.

Abstract: A blockchain-based workflow node certification method includes a certification party establishing a general workflow template. The general workflow template includes a plurality of workflow nodes each having an audit attribute for indicating whether the workflow node needs to be certified. The certification party establishes a general data template based on the general workflow template, and the general data template and the general workflow template are instantiated. A current workflow node is acquired in the instantiated general workflow template, and whether the current workflow node needs to be certified-is determined, based on the audit attribute. Certification, if needed, is performed by a centralized certification party, and users can create and modify transaction processes as needed to meet the needs of changeable transactions. By combining central certification with blockchain certification deposition, the security of workflow node process implementation and the privacy of specific data are ensured.

Abstract: Systems and methods of the disclosure include: broadcasting, by a cloud resource provisioning component, to a cryptographically-protected distributed ledger, a first transaction comprising a cloud resource request for provisioning a cloud resource; transmitting, to one or more cloud providers, the cloud resource request; receiving, from a first cloud provider of the one or more cloud providers, a first cloud resource offer responsive to the cloud resource request; and broadcasting, to the cryptographically-protected distributed ledger, a second transaction comprising the first cloud resource offer.

Abstract: A context-aware account management system is described. The system receives a partial request and parses the partial request to identify one or more characters in the partial request. The system determines a plurality of valid requests that include the one or more characters, for instance in response to querying one or more data structures and/or generating the valid requests using a trained machine learning model. The system generates a suggested request by selecting one of the plurality of valid requests, and in some cases, by identifying valid values for variables within the selected one of the plurality of valid requests by querying one or more data structures and/or generating the valid values using a trained machine learning model. The system outputs the suggested request and receives a confirmation in response. The system performs an action indicated by the suggested request using a user account indicated by the suggested request.

Abstract: A mobile banking reconciliation application allows a user to reconcile a business's records with banking records associated with one or more accounts of the business. The mobile banking reconciliation application can access an accounting system to obtain business records and banking records associated with the business. The banking records and business records may be displayed as a set of cards that a user can scroll and/or flip through (e.g., using the touch screen of a mobile device). The related business records displayed may be a suggestion that is based on a determination that the banking record likely matches the business record. The user may identify the appropriate business record for the particular bank record being reconciled from existing business records, or the user may create a new business record.

Abstract: Methods and computer systems for providing access providing access to representations of computing events. Identifying, from a plurality of computing events, a set of computing events corresponding to a computing event category. The identification of the set of computing events including identifying a respective first category of each particular computing event in the set of computing events; and determining that each respective first category matches with a respective category defined in a list of categories maintained by a third-party server. Transmitting, to a computing device associated with a second category of a particular computing event of the set of computing events, an interface providing access to representations of computing events in the set of computing events.

Abstract: A method and system of classifying documents is disclosed. The method includes determining line-text data for each of a plurality of lines of the document image using a text extraction technique. A set of unique keywords in the document image is determined based on a predefined list of keywords in the line-text data for each of the plurality of lines. For each keyword, two forward nodes are determined as next two subsequent keywords in the set of unique keywords based on determination of a shortest distance between the corresponding keyword and the next two subsequent keywords and based on the pre-defined reading sequence. Weights of each of the two forward nodes are determined based on the shortest distance and an angle of each of the two forward nodes with the corresponding keyword. A cluster is determined based on the feature matrix using a machine learning clustering model.

Abstract: This disclosure describes techniques for performing batch processing using a custom batch processing routine (e.g., a custom filtering routine) that calls a native batch processing routine (e.g., a native filtering routine) associated with a batch processing system as well as a rule database for one or more additional filtering rules. In some cases, a custom filtering routine may be configured to: (i) receive a batch of data, (ii) call a native filtering routine to process the received batch data, and (iii) apply one or more additional filtering operations on the output of the native filtering routine. For example, the custom filtering routine may be configured to: (i) make a query to the rule database to extract one or more filtering rules, and (ii) apply the extracted filtering rules to the output of the native filtering routine to perform the additional filtering operations.

Abstract: A method, a system, and a computer program product for generating an interpretable set of features. One or more search parameters and one or more constraints on one or more search parameters for searching data received from one or more data sources are defined. The data received from one or more data sources is searched using the defined search parameters and constraints. One or more first features are extracted from the searched data. The first features are associated with one or more predictive score values. The searching is repeated in response to receiving a feedback data responsive to the extracted first features. One or more second features resulting from the repeated searching are generated.

Abstract: A system, method, device, and data platform for generating a tax return utilizing a data platform. Client data is aggregated for a client from available source to generate a client profile. A relevant tax return strategy is determined based on the client data. A template tax return is automatically created based on the relevant tax return strategy. The template tax return is populated with the client data to generate the tax return for the client.

Abstract: A system, method, and process improving the efficiency of the current workers compensation information supply chain, logistics and claims adjudication process and capture of data capture and analysis of work-related incidents. Employees, employers and insurance companies are legally, financially, ethically and morally compromised when unnecessary delays take place in the claims reporting process. Late reporting of an accident, injury or illness reduces the projected time line that it takes for an injured employee to return to full or partial health and the ability to return to work. Reducing lag time reporting reduces the financial exposure to the employee, employer and a workers compensation risk transfer facility also known as an insurance company. There is need for a fiduciary of claims information to have greater speed, reliability and accuracy of the information initiated through mobile devices and web portals through computers with Internet access.

Abstract: A method and apparatus is described for performing transaction tracing. The method may include mapping one or more funds flow transactions into each account to one or more funds flow transactions out of said each account based on a first-in-first-out ordering. The method may also include generating an initial graph from the mappings of the transactions for each said account. Furthermore, the method may include transforming the initial graph to a function graph, wherein the functional graph is a directed pseudoforest where each node has an out degree of at most one. Then, the method may include for a node in the functional graph, performing a trace of the transaction generating a set of transactions that contributed to the transaction.

Abstract: Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.

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 identifying previously unknown counterparties by registering distributed ledger public keys and/or addresses associated with specific business entities and/or individuals. The system and method are configured to provide tools for administering public facing distributed ledger identifiers using cryptographic proof messaging and transactions made on the Distributed Ledger. It also provides queries and lookups to discover public keys associated with entities and allows users to link identifiers on competing Distributed Ledgers to a disambiguated entity, thereby enabling cross Ledger transactions to occur.

Abstract: Provided is an electronic cash-based offline transaction method and system. The method includes: receiving, by a back-end server from a smart card, an anti-replay factor generated by the smart card; determining, by the back-end server in accordance with a predetermined algorithm, whether an abnormal transaction occurs on the smart card, generating, by the back-end server when no abnormal transaction occurs, a security information signature by signing security information with a private key of the back-end server, and transmitting, by the back-end server, the security information and the security information signature to the smart card (S2).

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: In some implementations, a system may identify a mitigation record in a record log associated with an account of an application. The system may append a message prompt to the mitigation record that causes the application to request, during a user session associated with the account, an indication of whether there is an association between the mitigation record and an event record. The system may receive, from a user device associated with the user session, feedback associated with the message prompt that indicates whether the mitigation record is associated with the event record. The system may perform, based on the feedback, an action associated with indicating whether the mitigation record and the event record are associated.

Abstract: An aspect of the disclosed invention provides a network apparatus for a network function, the network apparatus comprising: at least one processor; and at least one memory comprising code that, when executed by the at least one processor, causes the network apparatus to: in response to a request from a service consumer, determine a first network service function for providing services to the service consumer; determine an identity of a second network service function, wherein the second network service function is an alternative or backup network service function to provide the service to the service consumer; and provide the service consumer with the identity of the second network service function.

Abstract: Methods and apparatus are provided herein. For example, a method for maintaining a power conversion system can include transmitting, to a computing apparatus in operable communication with the power conversion system, an alert message indicating non-working microinverters and which of the non-working microinverters are under warranty and eligible for replacement; receiving, from the computing apparatus, a request for replacement for the non-working microinverters; and transmitting, to the computing apparatus, an acknowledgment message indicating that the request has been successfully received and replacements for the non-working microinverters are being shipped.

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: 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 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: 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: 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: 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: 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.