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: A method is provided for of operating an intelligent cash holding unit in communication with a remote management terminal via a Wide Area Network (WAN) or Internet Area Network (IAN). The method comprises determining an indication of the cash held in the cash holding unit; transmitting the indication of the cash held in the cash holding unit to the remote management terminal; storing indications of the cash held in the intelligent cash holding unit that are transmitted to the remote management terminal; and in response to receiving a request signal to transmit one or more stored indications transmitting or re-transmitting one or more stored indications to the remote management terminal. An intelligent cash holding unit is also provided, which is operable to carry out the method, retransmitting lost data in response to the request signal. A method of determining when data is lost and requesting that missing data is also provided, as is a remote terminal operable to carry out the method.

Abstract: Machine learning techniques can be used to train a classifier, in some embodiments, to accurately detect similarities between different records of user activity for a same user. When more recent data is received, newer data can be analyzed by selectively removing particular sub-groups of data to see if there is any particular data that accounts for a large difference (e.g. when run through a classifier that has been trained to produce similar results for known activity data from a same user). If a sub-group of data is identified as being significantly different from other user data, this may indicate an account breach. Advanced machine learning techniques described herein may be applicable to a variety of different environments.

Abstract: Aspects of the disclosure describe systems and methods for handling a loss involving an insured vehicle. A total loss evaluation and handling system receives vehicle telematics data from a vehicle telematics device that monitors the vehicle. The total loss evaluation and handling system determines that a loss involving the vehicle has occurred, and a total loss evaluator selects a set of total loss rules configured to determine whether the loss is a total loss. The total loss evaluator applies the total loss rules selected to the vehicle telematics data received and determines whether the loss is a total loss based on the total loss rules applied. A total loss handler obtains an estimated value of the vehicle and generates a settlement amount based on the estimated value. The total loss handler initiates a payment corresponding to the settlement amount as settlement for the total loss.

Abstract: The disclosure herein relates to business content analysis. In particular, the disclosure relates to systems and methods of an expense management system operable to perform automatic business documents' content analysis for generating business reports associated with automated value added tax (VAT) reclaim, Travel and Expenses (T&E) management, Import/Export management and the like. The system is further operable to provide various organizational expense management aspects for the corporate finance department and the business traveler based upon stored data. Additionally, the system is configured to use a content recognition engine, configured as an enhanced OCR mechanism used for extracting tagged text from invoice images and also provides continuous learning mechanism in a structured mode allowing classification of invoice images by type, providing continual process of improvement and betterment throughout.

Abstract: Techniques are provided for community threat intelligence for operational technology networks. For a plurality of OT networks, at least one monitoring device processes OT network traffic and collects telemetry data, and a telemetry sanitization system applies a sanitization process to the telemetry data to generate sanitized telemetry data that does not include sensitive data. A computer system receives sanitized telemetry data from the telemetry sanitization systems provided for the plurality of OT networks, maintains threat intelligence data generated based on the sanitized telemetry data, and provides access to at least one of the threat intelligence data and the sanitized telemetry data to a plurality of users.

Abstract: A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. The consumer may select requestees with whom to split the transaction. The transaction account issuer may transmit instructions via APIs to peer-to-peer payment systems to request payment from the requestees. The peer-to-peer payment systems may transfer the payment to the transaction account issuer, and the transaction account issuer may apply to payment to the consumer's transaction account.

Abstract: A computer-implemented method for facilitating identification of object coverage information using prior acquisition data, that includes detecting an object acquisition, determining a grouping of the object acquisition from a plurality of groupings, and identifying a corresponding object acquisition within the same grouping as the object acquisition. The method further includes determining the corresponding object acquisition includes coverage protection, and transmitting an alert of the corresponding object acquisition and the coverage protection.

Abstract: This document presents devices, systems, and their methods of use for authenticating, evaluating, adjusting, and/or submitting a claim to a third-party obligator. The system may include a client computing device such as a cellular phone, having a downloadable application running thereon. The application running on the client computing device may be configured for generating an interface into which a characterization of treatment to be provided from a healthcare provider to a patient having a third party obligation agreement may be entered, where the obligation agreement includes terms defining coverage for treatments to be provided that will be covered by the agreement. As such, the system may be used to generate a claims submittal packet on behalf of the health care provider for reimbursement from the third party obligator for the treatments provided to the patient by the healthcare provider.

Abstract: Embodiments herein disclose systems, methods, and computer-readable media for quality control of an object relational mapping (ORM) application and correction of problematic cast functions in the context of a relational database management systems. In embodiments, source code is parsed and portions of source code are identified when those portions of source code include a problematic casting between data types or a mapping between a field and a source table. In embodiments, the source code portions are marked or flagged and a report is generated. The report identifies the marked or flagged source code and further specifies the location of the marked or flagged source code, in embodiments.

Abstract: Certain aspects of the present disclosure provide techniques for determining query intent and complexity based on text input. One example method generally includes receiving, from a user device, a text query and preprocessing the text query to generate a query vector. The method further includes providing the query vector to an intent model configured to output a user intent of the text query and providing the query vector to a complexity model configured to output a complexity of the text query. The method further includes receiving the user intent of the text query from the intent model and receiving the complexity of the text query from the complexity model. The method further includes determining, based on the user intent and the complexity of the query, a routing target for the text query and routing the text query to the routing target.

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: Methods, systems, and computer-readable storage media for providing, by a machine learning (ML) platform, a first binary classifier, processing, by the first binary classifier a super-set of invoices to provide a plurality of sets of invoices based on matching pairs of invoices in the super-set of invoices, providing, by the ML platform, a second binary classifier, processing, by the second binary classifier, a bank statement and the plurality of sets of invoices to define two or more super-invoices based on aggregate features of invoices in the plurality of sets of invoices, and match the bank statement to a super-invoice of the two or more super-invoices, and outputting a match of the bank statement to the super-invoice.

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: A method for detecting fraud rings involves clustering unknown users into unknown user clusters based on a grouping attribute. The method further involves, for each of the unknown user clusters, determining aggregated features including at least one quantification of at least one homogeneity attribute across the unknown users in the unknown user cluster. The method also involves, for each of the unknown user clusters, determining a predictive suspiciousness score based on the aggregated features, determining that at least one of the unknown user clusters is suspicious based on the determined predictive suspiciousness scores, and taking a protective action for the at least one suspicious unknown user cluster.

Abstract: A system for performing data trend analysis is disclosed. The disclosed system categorizes a number of transaction records based on their associated merchant IDs. For each of the merchant ID, the system determines whether the determined number of transaction records exceeds a pre-determined threshold. In response to identifying a merchant ID with the determined number of transaction records that exceeds the pre-determined threshold, the system identifies a location associated with the merchant ID and generates a trending notification indicating a transaction burst. The system then identifies a set of users located in the location that have a transaction history with the merchant ID and sends the trending notification to the set of users.

Abstract: A universal fare payment and collection system configured to allow users to purchase tickets and/or passes for a plurality of public transport authorities using a single account or device. The system is configured to detect a first ticketing technology of a first nearby transportation system, configure the traveler's electronic device for authorizing at least one of a ticket and a pass via the first ticketing technology, detect a second ticketing technology of a second nearby transportation system, the second ticketing technology being different from the first ticketing technology, and configure the traveler's electronic device for authorizing at least one of a ticket and a pass via the second ticketing technology.

Abstract: A system is disclosed for managing waste services. The system may have a provider portal, a locating device configured to generate a location signal indicative of a location of a service vehicle, and a central processing unit in communication with the provider portal and the locating device. The central processing unit may be configured to determine a total amount of fuel consumed by the service vehicle and to determine, based at least in part on the location signal, a portion of the total amount of fuel consumed by the service vehicle when the service vehicle is not traveling on public roadways. The central processing unit may be further configured to cause an indication of the portion of the total amount of fuel to be displayed on the provider portal.

Abstract: In an aspect, upon a user connecting a charging cable connector of a charging station to a vehicle charging connector of her vehicle, the vehicle will via wireless communication acquire an identifier of the charging station operator, which is transmitted to a server of for instance a car manufacturer. The car manufacturer server can identify the charging station operator from the identifier and register charging session information such that a particular subscription associated with the vehicle or user is charged for the battery charging session and that the charging station operator is duly remunerated.

Abstract: A method, apparatus, system, and computer program product for creating a forecasting model for payroll records. Payroll records are received for a group of employers. The payroll records comprise granular data parameters about employees of the group of employers. A forecasting model is created that aligns the payroll records to high-level employment data. Creating the forecasting model includes identifying predictor variables from the granular data parameters of the payroll records. Creating the forecasting model includes generating a set of basis functions from the predictor variables. Creating the forecasting model includes combining the set of basis functions to create the forecasting model.

Abstract: A receipt capture tool residing on a customer mobile device may be initiated when a customer completes an in-store or online purchase. The receipt capture tool may prompt the customer to capture an image of a receipt detailing a purchase and an item (e.g., product or service) purchased. For instance, the photo of a physical receipt may be taken by the mobile device, or an electronic receipt or email detailing the purchasing transmitted from a physical merchant or online merchant server may be stored. Receipt information may be extracted and saved with other information pertinent to the item purchased, including warranty information. If the customer needs to return or repair the item purchased at a future date, the receipt and warranty information may be subsequently accessed via their mobile device. The receipt and warranty information may also be stored in a searchable database to facilitate easy retrieval by the customer.

Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.

Abstract: A facility for conveying accrual amounts through an intermediary service is described. The facility permits vendors to each upload unbilled amounts for one or more matters for a client according to vendor-specific matter identifiers. The facility maps the vendor-specific identifiers for the uploaded unbilled amounts to client-specific identifiers. When the facility receives a request from the client to be you unbilled amounts for one or more matters, the facility displays to a client user the unbilled amounts for the requested matters according to the client-specific identifiers associated with the requested matters.

Abstract: Example implementations are directed to eliminating or reducing the invoicing business process by using replicated states as single truth for sub-groups participating in a supply chain network involving a large number of transient partners in a low trust ecosystem. All activities of the business process such as invoicing are shared as single truth of replicated states for the subgroup. The confidential data involving terms of reference for business process is shared separately as single truth of replicated states among such partners. The validations for business process such as invoicing can be derived by executing smart contracts on such replicated states that have single truth about transactions among different sub-groups/channels in supply chain, thereby reducing/eliminating need for invoice generation that need to be manually verified, validated and acknowledged among supplier and customers for payments.

Abstract: A method for use in a hybrid network ecosystem comprising an enterprise network and a reconciliation network, the method comprising generating, by at least one first computing node in the enterprise network or the reconciliation network, a first digital facilitator, wherein the first digital facilitator enables a first device to use a private key to access data associated with a distributed ledger operation. The method also comprises transmitting, via the reconciliation network, the data from the first computing device to a second computing device, wherein the first computing device and the second computing device are connected via the reconciliation network.

Abstract: Embodiments include apparatuses, methods, and systems for an example token provisioning process. In embodiments, a server computer device may receive over a payment transactions network, a request from an issuer for a private label (PL) token associated with a primary account number (PAN) of a payment card and a partnership offer between a partner merchant and the issuer. In embodiments, the server computer device, may generate and/or activate the PL token. In embodiments, the PL token is provisioned at a first level according to, at least, product characteristics associated with the PAN and at a second level according to, at least, product characteristics associated with the partnership offer. Other embodiments may also be described and claimed.

Abstract: The invention relates to a production planning method using a plurality of manufacturing devices (INTMA) according to which tasks (TD) of a work plan (BOP) are compared (MA) with manufacturing capabilities (SD) of the manufacturing devices (INTMA) and, depending on the one or more results (MAQ) of said comparison (MA), at least one or more manufacturing devices (INTMA) are commissioned to match their manufacturing capabilities (SD) with the task(s) (TD).

Abstract: Novel tools and techniques are provided for implementing accounting platform functionalities. In various embodiments, a computing system might access a data file(s) associated with a first entity from a first accounting software system among a plurality of accounting software systems, each operating based on corresponding one of two or more commercial accounting software that are different from and/or incompatible with each other. The computing system might autonomously extract transaction data corresponding to a transaction entry for each individual transaction. The computing system might autonomously generate a transaction-based trial balance based on the extracted transaction data, the generated transaction-based trial balance serving as a living trial balance that is continually updated based on updated or new transaction data that is accessed from the first accounting software system.

Abstract: Certain aspects of the present disclosure provide techniques for intelligent grouping of travel data for review through a user interface. In one example, a method for providing grouped travel data to a user interface of an application includes receiving travel data from an application running on a remote device; generating one or more travel data-based features from the travel data thereby creating featurized travel data; applying a pattern mining technique to the featurized travel data to detect a plurality of patterns in the featurized travel data; for each trip record in the featurized travel data: determining a plurality of trip record groups in which the trip record falls based on the plurality of patterns; and adding the trip record to a trip record group of the plurality of trip record groups according to a prioritization scheme; and transmitting the trip record group to the application running on the remote device.

Abstract: The data input support apparatus in the present disclosure acquires item information relating to a combination of an item name and an item value described in a business form image based on character recognition results of the business form image, and displays an item value display area and an image preview display area having an overview image display area and an enlarged image display area. The item value display area displays an item value of an item name corresponding to a specific item type from the item information. The overview image display area displays the entire business form image or an overview image in which the displayed item value and the item name are highlighted. The enlarged image display area displays an enlarged image including the displayed item value. The display unit switches and displays display contents in the image preview display area in accordance with the acquired item information.

Abstract: A system and method for grouping and organizing structured responses in a communication application at a computing device. A structured question in a plurality of messages can be detected based on a structured question model trained via machine learning. A structured question can be a question predicted by the structured question model to have a number of possible answers fewer than a threshold. A user interface element, corresponding to the structured question, can include a structured summarization that includes one or more answers to the structured question present in the plurality of messages from the plurality of users, and/or a structured response template in which at least a subset of possible answers are presented and are selectable. A command to include the generated graphical user interface element in a record of the communication session in a graphical user interface corresponding to the communication application.

Abstract: A process integrity evaluation system ensures integrity of unstructured processes. The process integrity evaluation system handles structured, semi-structured, and unstructured data at massive and large scale. The system provides scalability, secure storage, indexing, knowledge storage, and visualizations of processes by information retrieval, natural language processing, cloud computing, large scale machine learning, knowledge discovery, and other artificial intelligence techniques. Self-provided data, systematically gathered data, and potentially related data from additional sources are incorporated in the process integrity evaluation system which provides the core capabilities of data integrity checking, entity extraction, entity resolution, entity categorization, entity relationship extraction, processes extraction and reconstruction based on knowledge storage, such as knowledge graphs, inference functions, and evaluation computations.

Abstract: Aspects of the present invention disclose a method for detecting textual inputs of a user of a social media application and derives personality characteristic insights of a user. The method includes one or more processors identifying a textual data entry to an interactive internet-based application. The method further includes determining a tone of the textual data entry. The method further includes identifying a posting account corresponding to the textual data entry. The method further includes generating a personality profile corresponding to the posting account based on the textual data entry associated with the posting account. The method further includes determining a context of the textual data entry based on semantic features of the textual data entry. The method further includes classifying the personality profile corresponding to the posting account.

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 method comprises receiving, by a computing device, a selection of at least one product to initiate for a customer, determining, by executing a first bot, a product initiation system compatible with a second format and configured to initiate the at least one product, and retrieving, via the first bot, the customer information from a set of previously collected customer information within a product selection form stored in a first format. The method further includes enqueuing, via first bot, the customer information in a workflow queue, and providing, via at least one second bot, the customer information to the product initiation system in the second format, the at least one second bot being associated with the at least one product. The method further includes receiving, from the product initiation system, a notification indicating whether the at least one product has been initiated.

Abstract: A computer-implemented method includes: receiving, by a computing device, a plurality of journal entries from a plurality of transactional systems; determining, by the computing device, association scores for a plurality of pairs of journal entries selected from the plurality of journal entries; generating, by the computing device, a reconciliation graph including a plurality of nodes representing the plurality of journal entries and a plurality of edges based on the determined association scores; recommending, by the computing device, actions to apply to at least one journal entry of the plurality of journal entries to minimize a number of nodes not connected by the plurality of edges in the reconciliation graph; receiving, by the computing device, feedback regarding the recommended actions to apply to the at least one journal entry; and updating, by the computing device, the reconciliation graph based on the feedback.

Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform: receiving one or more objectives and one or more constraints from a user electronic device of a user; generating a combined objective using the one or more objectives; calculating, using the combined objective, a return per click for an advertisement campaign; determining one or more bids based on (a) the return per click for the advertisement campaign and (b) a return on advertising spend for the advertisement campaign; estimating, using a first predictive algorithm and the one or more bids, an average cost per click; estimating an expected number of clicks for the advertisement campaign based on the average cost per click; determining a total amount used of the one or more constraints for the one or more bids based on the expected number of clicks for the advertisement campaign; and when the total amount used of the on

Abstract: Systems, methods, and computer program products are provided for increasing the return from a pool of loans for a company involved in the guarantee and securitization of such loans. In one exemplary embodiment, a computer-implemented method comprises creating a plurality of sub-pools in which to place loans from the pool of loans; determining, using one or more processors, an external value assessment for one or more loans from the pool and an internal value assessment for the one or more loans; identifying a difference between the external and internal value assessments; and selecting a sub-pool from the plurality of sub-pools to place the one or more loans based upon the identified difference.

Abstract: A system for automated origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor generates prices for capital product offers to subscribers of a point-of-sale (POS) subscription service, where the prices are generated by employing probability of default (PD) values that are derived from historical POS data corresponding to each of the subscribers. The revenue forecaster is coupled to the rate processor and is configured to employ the configured to employ the historical POS data and locations of establishments corresponding to the each of said subscribers to predict future POS data for the establishments corresponding to the each of the subscribers, and to employ the future POS data to generate predicted total revenues corresponding to the each of the subscribers over a payback period.

Abstract: The disclosed embodiments relate to a system that provides a selective encryption technique that encrypts all of the fields in a profile, and selectively enables consumers of the profile information to decrypt specific fields in the profiles. This is accomplished by encrypting each field in the profile using a randomly generated symmetric key, and then encrypting the symmetric key for each field with public keys belonging to individuals who are authorized to access each field. These encrypted public keys are stored in a header of the profile to enable individuals to use their corresponding private keys to decrypt symmetric keys for the specific fields that they are authorized to access.

Abstract: Technology is directed to tools for providing tax related services for virtual currency holdings, e.g., bitcoin holdings. The tax related services can include computation of taxes such as income tax, sales tax, and payroll tax for virtual currency holdings. The services can also include facilitating filing of the taxes with the concerned department. The tool can include a computing device configured to execute a tax application for computing the taxes on virtual currency holdings. The user provides information on a source of virtual currency transactions, e.g., an address of a bitcoin wallet, to the tax application, and the tax application retrieves the transactions from the source. The tax application categorizes the transactions into various transaction types and identifies the taxable and/or non-taxable transactions. The gain/loss and the associated tax are computed for the taxable transactions using one or more cost-basis methods.

Abstract: A master data management (MDM) computing device may determine that a first composite data entity that includes a first transaction member record assigned with a first source identifier for a first user by a data source is linked with a second transaction member record assigned with the first source identifier for a second user by the data source. The MDM computing device may flag the second transaction member record as a suspect record for corrupting the first composite data entity when a comparison between first information contained in the first transaction member record and second information contained in the second transaction member record exceeds a predetermined threshold. The MDM computing device may create an overlay task for the second transaction member record, thereby preventing the second transaction member record from corrupting the first composite data entity.

Abstract: A heuristic engine includes capabilities to collect an unstructured data set and detect instances of transaction fraud in a financial account. By providing a heuristic algorithm with unstructured transaction sets and indications of particular instances of transactions that correlate with past fraudulent activity allows prevention of future occurrences of fraud. Such heuristic algorithms may learn from past indications of fraudulent activity and improve accuracy of detection of future fraud detections.

Abstract: A system may receive, from first computer systems, data sets via a first different data encapsulations; obtain the data sets from the first different data encapsulations; produce second different data encapsulations that include the data sets; and provide the second different data encapsulations that include the data sets to second computer systems that subscribed to receive the data sets. The data sets may be included in one or more data streams. The system may store at least two of the data sets. For example, at least two of the data sets may be stored until they are requested by one or more computer systems. One of the data sets may be duplicated and provided to multiple computer systems.

Abstract: A system for advertisement space recommendation and a checkout process is provided. The system includes an advertisement space recommendation module determines an expected network traffic for each product. The advertisement space recommendation module determines expected profits corresponding to merchants based on expected network traffic and generates a recommendation corresponding to a set of advertisement space to the merchants for selling the products. The system includes an auction module enables the merchants to bid for the set of advertisement space to exhibit the corresponding products. The system includes a checkout URL generator module creates a distinctive URL for the set of advertisement space and enables one-click checkout process for the products displayed on the set of advertisement space on an advertisement platform based on URL for each product across merchants.

Abstract: Various examples described herein are directed to systems, methods, and computer-readable medium for providing a tactile response. A document that includes visual data is received. Change data for the visual data that indicates changes in data values of the visual data from a previous time is received. The visual data is rendered. An indication that a section of the document is selected is received. The section includes a first visual data. A change of the first visual data is determined front the change data. A tactile response unit is controlled to provide a tactile response based on the change of the first visual data.

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: A system for controlling prepaid delivery of utilities includes a utility meter with a cutoff device for enabling or disabling delivery of a utility; and a server connected to the utility meter via a network. The utility meter receives a usage limit from the server, measures usage of the utility by the load, and when the usage limit is exceeded, activates the cutoff device. The utility meter transmits the measured usage to the server at configurable intervals. The server maintains an account balance associated with the load, receives the measured usage from the utility meter, and decrements the account balance based on the measured usage. When the account balance is exhausted, the server sends a command to activate the cutoff device to the utility meter. Otherwise, the server generates a further usage limit based on the account balance, and sends the further usage limit to the utility meter.

Abstract: Selectable payroll amounts for instant payroll deposits are described. A service provider can receive employee payroll information indicating an employee account at which an employee is to receive payroll payments from an employer. Additionally, the service provider can receive compensation information indicating compensation to be received by the employee for performing work for the employer. The service provider can leverage a data model to determine that the employee is eligible to receive at least a portion of the compensation via an instant deposit transfer. The service provider can determine, based on a reliability of the employee and/or a level of risk associated with the employer, an amount of the compensation to pay to the employee via the instant deposit transfer and can facilitate the instant deposit transfer of funds associated with the amount to pay the payroll payments to the employee account.

Abstract: An apparatus and method for administering and/or managing an employer sponsored retirement plan such as a 401(k) plan can include a host system that supports a graphical user interface (GUI) that is displayable to a user communicating with the host system via a user computer device. The use can manipulate one or more input devices connected to the user's computer device for facilitating the communication of data to the host system and updating of displays of the GUI. The GUI can be configured to permit employee participants to enroll and manage their retirement accounts. The GUI can also be configured for employers that sponsor a retirement plan to communicate with the host system to manage their retirement plan and oversee administration of the plan. Displays of the GUI can be generated and updated by a user computer device display based on communications with the host system.