Abstract: A processor-implemented method for providing merchants business advice, the method including: providing a merchant with a dashboard, the dashboard including information related to the merchant's business and a communication link to the merchant's financial institution; receiving a request from the merchant via the dashboard, the request being for a service provided by the merchant's financial institution; processing the request from the merchant by using data about the merchant's business; and providing a response to the request for viewing at the dashboard by the merchant.

Abstract: A shared ledger of transactions may be used for various purposes and may be later accessed by interested parties for ledger verification. Authenticity of transactions requires active measures to ensure transaction participants including parties to the transactions, observers to the transaction, etc., are providing accurate information for each transaction.

Abstract: Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application).

Abstract: Disclosed are a service request system and method using a service request device for a multiple language supported room, more particularly, a service request system and method using a service request device for a multiple language supported room, for allowing a user to make a request for a service selected by the user in the room in a language selected by the user. Here, an efficient operating process is provided by making a request for a service selected by a user in a room in a language selected by the user to remove a language barrier and to differentiate and call a service desired by a user according to an accurate intention, a service is immediately processed by calling a service to a corresponding employee when a service is called through a service request system, and convenience of a service is provided to allow a user to easily recognize a processing result when the service is requested.

Abstract: A hand held computer based device includes expense transaction software equipped with an electronic (near field) communication device to receive an electronic signal and wherein the expense transaction software obtains transaction information data in the electronic signal for either storing locally on the hand held computer based device or transmitting the transaction information data to a remotely located processor.

Abstract: Embodiments of the present disclosure relate to a database system for dynamically and automatically accessing and storing data items from multiple data sources. The system may, for example, determine data sources to access, and ways of accessing data items from those data sources, based on an indication of an analysis level and/or other analysis criteria. Further, the system may selectively and efficiently integrate data items from the multiple data sources. Selective integration of data items may be based, for example, on the indication of the analysis level and/or other analysis criteria. The system may further generate outputs of the selective integration of data items. These outputs may, for example, include specialized reports and/or user interfaces. The outputs of the system, in some implementations, may be interactive and dynamically updated in response to user inputs, for example.

Abstract: A method and system for payment processing comprises receiving sender information, receiving a fund transfer request that includes an identifier for a recipient, accessing an information directory based on the identifier to obtain account information for the recipient, and sending funds according to the fund transfer request to the recipient. The identifier may be in the form of non-sensitive/publicly available information, such as an E-mail address, a phone number, or other information. The information directory can correlate the identifier with a recipient owned bank account. The fund transfer may occur from two accounts within a bank or may occur from bank accounts at different banks.

Abstract: Disclosed methods and systems provide domain-specific incremental search results for search query terms with a customer self-service system for a financial management system, according to one embodiment. Incremental search results are search results that are generated for search query terms, as a user enters the search query terms as part of a search query to a customer self-service system, according to one embodiment. The customer self-service system receives search query terms (e.g., a partial search query) in a search text box, searches user content (e.g., business transactions, personal transactions, etc.) and customer self-service system content for content that is relevant to the search query terms, and provides incremental search results navigation links within a results text box to enable users to easily see search results (e.g., transaction records) and to enable users to navigate to transactions records or other user content, from the results text box, according to one embodiment.

Abstract: Described herein are systems and methods that efficiently search for documents related to chemical structures of interest to a user. In certain embodiments, text data and chemical structure data provided in a user query are simultaneously searched with a text-based search method to efficiently produce search results. Subsequent structure-based searching on the results of the text-based search produces precise results for a particular user query. This approach increases the speed of the structure-based search by reducing the amount of data the structure-based search searches over. Additionally described herein are systems and methods for indexing document data in order to facilitate this efficient searching.

Abstract: Systems, methods and articles of manufacture for preparing a tax return in which tax questions may be generated and presented to a user in an ad hoc manner. A tax system includes a computing device executing a tax program. The tax program can display a plurality of user interface presentations, such as interview or question screens, with tax questions asking the user to provide tax data related to a taxpayer for preparing a tax return for the taxpayer. The tax program allows the user to skip a tax question on a user interface presentation, and proceed with subsequent user interface presentations. When the tax program determines that a response to the skipped tax questions is required, the tax program dynamically generates a skipped tax question user interface presentation with the skipped tax question and presents it to the user.

Abstract: Systems and methods are provided for use in responding to purchase behaviors of participants of disbursement programs. One exemplary method includes accessing transaction data associated with a payment account, where the payment account is associated with a participant and a disbursement program and where the transaction data is representative of a number of transactions made to the payment account. The method also includes identifying, for each of the transactions, a classification based on at least one classification criteria and calculating a behavior score based on at least one behavior parameter and the classification of at least one of the transactions. And, when the behavior score satisfies a remedial threshold, causing a remedial response to be provided to the participant, whereby the remedial response indicates to the participant to alter one or more purchase behaviors.

Abstract: A system and method for producing products based upon demand are disclosed. In some cases, the products include containers and the contents therein. The containers are disposed on vehicles and are independently routable along a track system and are deliverable to at least one unit operation station. A control system: receives demand for finished products; determines a route for vehicles based upon the status of one or more unit operation stations; and causes a vehicle to progress along a determined route to create one or more of the demanded finished products. The system may be used to produce the same fluent products, different fluent products, and other types of products including assembled products.

Abstract: Systems and methods that facilitate user savings through a graphical user interface (GUI) are described. A savings account for a desired item is created based on input received from a user through the GUI. After a purchase, the user can add a percentage of the purchase or a set amount to the savings account. The price of the desired item is monitored, and the user is informed of price reductions and other incentives on the desired item. Users can be offered credit at various times, such as when the user is not on track to meet a savings goal or a low price for the desired item is being offered for a limited time.

Abstract: An indicator associated with a financial card to tender payment for a transaction is received from a point of sale device. A storage device stores independent sets of information associated with the financial card. The sets of information indicate different actions to be performed and settings corresponding to the actions. The indicator received from the point of sale device is associated with one of the independent sets of information. The actions associated with the received indicator are performed in accordance with the corresponding settings in response to conducting a transaction with the financial card.

Abstract: Embodiments of present disclosure discloses system and method for conversion of structured database into unstructured database. Initially, structured database and database descriptor is retrieved in distributed environment. Structured database comprises data fields, and each of the data fields corresponds to financial transaction. Optimized target data model is generated for storing data in the unstructured database, based on at least one of database objects extracted from data fields of structured database, and pre-defined conversion rules. Further, a Blockchain comprising blocks corresponding to each financial transaction of structured database. Each of the blocks comprise at least one of extracted database object.

Abstract: An indicator associated with a financial card to tender payment for a transaction is received from a point of sale device. A storage device stores independent sets of information associated with the financial card. The sets of information indicate different actions to be performed and settings corresponding to the actions. The indicator received from the point of sale device is associated with one of the independent sets of information. The actions associated with the received indicator are performed in accordance with the corresponding settings in response to conducting a transaction with the financial card.

Abstract: Various embodiments are generally directed to techniques and apparatuses to present a dynamic formula bar in a spreadsheet application. Some embodiments are particularly directed to presenting a dynamic formula bar in a spreadsheet application that may improve usability in particular with large display sizes and/or touchscreen interfaces. In one embodiment, for example, an apparatus may comprise a processor circuit and a spreadsheet user interface (UI) component executing on the processor circuit to present a grid comprising cells arranged in rows and columns. The spreadsheet UI component may include a formula bar interface component operative to display a formula bar UI element adjacent to a first cell in response to receiving a control directive selecting the first cell. Other embodiments are described and claimed.

Abstract: Implementations of the present specification include storing a data item in a consortium blockchain; generating a first data digest based on the stored data item; sending the first data digest to verification nodes to cryptographically signs it and stores the signed first data digest in a public blockchain; receiving a request to retrieve the stored data item; retrieving the requested data item from the consortium blockchain; generating a second data digest based on the retrieved data item; sending the second data digest to verification nodes so that each verification node signs the second data digest; receiving the signed second data digests from the plurality of verification nodes; retrieving the signed first data digests from the public blockchain; determining that the signed first data digests match the signed second data digests; and sending a response indicating the stored data item is unchanged to the request to retrieve the stored data item.

Abstract: A computer implemented method of generating a graphical interface including receiving and displaying a selection of elements among a plurality of graphical and/or data entry elements, each element having at least a property among a plurality of graphical and/or activation and/or content properties; receiving and displaying formulas, each formula linking at least two properties of one element or several elements of the selection; and determining from the selection of elements and the formulas a separate graphical interface program, the execution of the separate graphical interface program resulting in the display of the selection of elements, the properties of which are linked by the formulas.

Abstract: A method for facilitation of installments for an electronic transaction includes: receiving a transaction message for an electronic transaction including an account identifier, transaction identifier, transaction date, and transaction amount; storing a transaction record for the transaction including the transaction identifier, transaction amount, transaction date, and a due date based on the transaction date; receiving an installment request, the request including the transaction identifier and installment options; calculating installment terms based on the installment options, transaction amount, transaction date, and due date, wherein the installment terms and/or options including an installment amount and number of installments; generating a plurality of transaction records, each related to an installment including the transaction identifier, installment amount, and a payment date based on the due date and number of installments, the number of transaction records being equivalent to the number of installm

Abstract: A method, system and program product comprise accessing a transaction records database. Unmatched records are collected into a first set. The first set at least comprises events and transactions. Probabilities of event matches of transactions originating from an event are calculated. The calculating uses at least defined features and stored probability distributions. A quality value for each of the event matches is calculated. The quality value is at least in part being determined by the probability of the event match. A second set of optimized event matches is determined using at least the quality values. Each of the optimized event matches at least comprises transactions deemed to have been generated by the event.

Abstract: Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

Abstract: A method for systems integration to create an end-to-end view includes obtaining a status of an invoice from an accounting data repository, generating a visualization for the invoice showing the status, and obtaining, from a payment system and based on the status indicating a payment on the invoice, monetary transaction records that match the invoice. The method further includes aggregating the monetary transaction records to update the status of the invoice after the status indicates the payment on the invoice, and updating the visualization with the status of the invoice to show the end-to-end view of the invoice.

Abstract: The present invention is directed toward networks and more particularly to a method and system for providing information related to context-oriented billing in such networks. In one more embodiments, a computer implemented method provides for billing invoices in response to one or more of a customer's network elements which have been correlated with detailed network data, classified into one or more billing event categories, and rated in accordance with a predetermined hierarchy.

Abstract: A computer-implemented schema-independent method of modeling data from a plurality of diverse sources. A server transmits to a client a blueprint for visualizing and interacting with data, wherein the blueprint defines an application, for visualizing and interacting with data that runs on the client. The application may operate on the client within a web browser and may include program code or scripts that operate within the web browser and transmit data and commands to and from the server. In response to receiving a data fetch message from the application running on a client computer, the server receives data from a selected one of a plurality of domains. The server then transforms the received data into a semantic data format. The transformed data is then stored by the server as a first data set. The first data set can then be transmitted to the client computer for further processing and visualization by the application on the client using the blueprint.

Abstract: During operation of a system, a financial transaction of an individual is associated with one or more predefined categories based on scores that indicate the likelihood of association. For example, a given predefined category may include a merchant name (such as the name of a potential counterparty in the financial transaction) and/or an attribute associated with one or more merchants. The score for a given predefined category may be determined based on a number of occurrences of the given predefined category in financial-transaction histories of a subset of a group of individuals who have common spending patterns in their financial-transaction histories. Moreover, the spending pattern may be based on values of financial transactions in the financial-transaction histories.

Abstract: Location-aware fitness monitoring program products, systems, and methods, and applications thereof, are disclosed. In an embodiment, a method for providing information about an athletic activity includes the steps of displaying to a user via a computer performance parameter information regarding an individual's performance during the athletic activity as a function of time, and displaying to the user via the computer the title of a music track that was played for the individual by a portable fitness monitoring device during the athletic activity, wherein the display of the title of the music track occurs in response to the user specifying via the computer a particular point in time during the athletic activity.

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 system and method for transaction bitcoin is described. Bitcoin can be sent to an email address. No miner's fee is paid by a host computer system. Hot wallet functionality is provided that transfers values of some Bitcoin addresses to a vault for purposes of security. A private key of a Bitcoin address of the vault is split and distributed to keep the vault secure. Instant exchange allows for merchants and customers to lock in a local currency price. A vault has multiple email addresses to authorize a transfer of bitcoin out of the vault. User can opt to have private keys stored in locations that are under their control. A tip button rewards content creators for their efforts. A bitcoin exchange allows for users to set prices that they are willing to sell or buy bitcoin and execute such trades.

Abstract: A distributed processing control device includes a process accepting unit that accepts processes, a relevance acquisition unit that acquires relevance between the processes accepted by the process accepting unit; and a distributed processing instruction unit that distributively instructs a plurality of processing nodes to execute the processes accepted by the process accepting unit, based on the relevance between the processes acquired by the relevance acquisition unit.

Abstract: A transaction device is provided for (1) paying in and paying out a first currency. The transaction device includes (2) a display section to display transaction content, and a transaction processing section to perform a transaction using the display section and an inserted medium. (3) In cases in which a second currency corresponding to the medium is to be used to perform a pay-out transaction in the first currency, the transaction processing section performs settlement selection processing to receive selection of whether to use a settlement rate at the time of payout or a settlement rate subsequent thereto as an exchange rate between the first currency and the second currency.

Abstract: A system and method for determining credit for a sale is provided. The system determines a location of the electronic communication device at the time of the sale. The system determines, for each of a plurality of retailers, a distance between (a) the location of the electronic communication device at the time of the sale and (b) a location of the respective retailer. The system determines the credit based at least partially on the determined distance between the location of the electronic communication device at the time of the sale and the location of each respective retailer. The system provides the credit to the one or more retailers.

Abstract: A computer-implemented method including: receiving data representing updates to transaction entries in a ledger of an accounting system, each transaction entry identifying an account that corresponds to the transaction, at least some of the updates a) each changing the identified account from a first account to a second account and b) having been submitted by multiple users of the accounting system; analyzing the updates to infer a correlation between the first account and the second account; generating a rule defining a modification of transaction entries, wherein the rule, if applied to transaction entries received by the accounting system, would modify transaction entries identifying the first account to identify the second account; and storing the rule in a storage system such that the stored rule can be accessed and executed by a computer program executing on one or more computer systems, the execution of the rule causing the modification of the transaction entries defined by the rule.

Abstract: The disclosed technology includes a distributed ledger system that can include one or more transaction blocks that are associated with one or more transaction records of an account corresponding to the primary account number. The system may allocate a first type block in a first distributed ledger, and the first type block may be utilized to identify a classification type associated with the first primary account number. The system may receive, at the first node, a first transaction indication associated with the first primary account number. Responsive to receiving the first transaction indication, the system may bind a first transaction block to the first distributed ledger. Transaction blocks may be configured for selective control and/or selective replicated to other nodes of the system. In response to an end-of-cycle indication, the first transaction block may be locked to prevent further modification.

Abstract: Methods and systems for detecting host community include modeling a target host's behavior based on historical events recorded at the target host. One or more original peer hosts having behavior similar to the target host's behavior are found by determining a distance in a latent space that embeds the historical events between events of the target host and events of the one or more original peer hosts. A security management action is performed based on behavior of the target host and the determined one or more original peer hosts.

Abstract: Disclosed herein are embodiments for providing finite state machine driven workflows. In an embodiment, a workflow template is defined for a type of task. The workflow template may represent a finite state machine. The workflow template may be linked to an external party and an asset type, which may be stored in a workflow database. An asset may be received from the external party including an external party attribute identifying the external party, an asset type attribute, and an owner attribute. The owner attribute may be associated with an application end user. A determination may be made whether the external party attribute and the asset type attribute of the asset match the external party and the asset type linked to the workflow template. If a match is determined, instances of the task and the one or more actions of the workflow template may be created.

Abstract: A multiplicity of participants comprising utility operators, distributed energy resource (DER) providers, vendors/aggregators, energy customers, and utility financial officers, are communicatively connected to a platform. The platform provides interactive interfaces for each type of participant to access the platform over communication network. Utility operators are enabled to view and control DER in a certain area via an interface for utility operators. DER providers are enabled to interconnect DER packages to a utility grid via an interface for DER providers. Vendors/aggregators are enabled to view and manage their portfolios via an interface for vendors/aggregators. Energy customers are enabled to view energy information, shop for new products or services, and manage rate plans via an interface for marketplace. Utility financial officers are enabled to view revenue streams from the platform to a utility via an interface for financial settlement.

Abstract: Various embodiments are directed to systems and methods for monitoring and compiling weather information/data for a plurality of identified locations along a route. A central computing entity 100 may store and retrieve a weather information/data inquiry template from memory, and may populate the weather information/data inquiry template with relevant information/data identifying locations for which weather information/data is requested. The central computing entity 100 may utilize the populated inquiry template to retrieve weather information/data from one or more weather information/data sources by transmitting the populated weather information/data inquiry to the one or more weather information/data sources to cause the weather information/data sources to provide weather information/data to the one or more computer processors; and to compile the retrieved weather information/data from the one or more weather information/data sources.

Abstract: Systems and methods to communicate information are described. The system receives a query and retrieves a set of data items from a database based on the query. The system generates a distribution based on a count of data items from the set of data items that were retrieved for each domain in a set of domains and a count of requests to view data items from another set of data items for each domain in the set of domains. The system identifies whether the distribution exhibits a type of a distribution by comparing the distribution with at least one of a peak distribution and a hills distribution. Finally, the system generates interface information based on the type of distribution.

Abstract: Some embodiments of the invention provide a method for gathering data for logical network traffic analysis by sampling flows of packets forwarded through a logical network. Some embodiments are implemented by a set of network virtualization controllers that, on a shared physical infrastructure, can implement two or more sets of logical forwarding elements that define two or more logical networks. In some embodiments, the method (1) defines an identifier for a logical network probe, (2) associates this identifier with one or more logical observation points in the logical network, and (3) distributes logical probe configuration data, including sample-action flow entry data, to one or more managed forwarding elements that implement the logical processing pipeline at the logical observation points associated with the logical network probe identifier.

Abstract: Some embodiments provide a non-transitory machine-readable medium that stores a program. The program receives from a system data comprising a set of expense entries. The program further determines, for each expense entry in the set of expense entries, an entry use case. The program also processes, for each expense entry in the set of expense entries, the expense entry based on the determined entry use case. The program further generates a document based on the processed set of expense entries.

Abstract: Enforcing payment card policies using a financial institution agent coupled to a payment processing network. The advisory device intercepts messages directed to an authorization element at an authorizing bank, modifies the intercepted messages in response to a set of financial policy rules, and forwards the intercepted messages to the authorization element. The authorization element responds to any modifications made by the financial institution agent, and issues a grant or a denial of of authorization in response. The financial policy rules include a set of policy limits for use of the payment card, responsive to card usage type, merchant type and location, amount per transaction (or for a selected duration), number of transactions, and combinations thereof Financial policy rules can include side effects, including notifications or two-step authorization (with the cardholder or a monitoring party), transaction records, and combinations thereof.

Abstract: A network communication interface and a memory device storing an anomaly application and a resource application are provided. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine the existence of an anomalous situation for a user; initiate the anomaly application to acquire aggregated metrics from third parties associated with the anomalous situation; and analyze the anomalous situation using the aggregated information. The aggregated metrics may be obtained from the entity system and/or from a third party system. The aggregated metrics may comprise the historical financial record of a plurality of third parties. The aggregated metrics may be obtained by searching a datastore of the entity system for relevant information from a historical record of unrelated individuals.

Abstract: A portable device is configured to obtain an image of a document, the document being of no predefined format and containing numerical data. The numerical data is extracted and automatically organized into a report in a predefined or customized format and stored into a database. The database is accessible and searchable by a user to obtain either the numerical data of the image or the report.

Abstract: A system may perform steps such as receiving a bank card transaction authorization stream including a URL originating from the merchant computing system, the URL received in a discretionary field in the authorization stream for a bank card purchase. The system further perform the step of retrieving information at a location referenced by the URL, wherein the information includes at least a merchant identifier and line item data related to a purchase. The system may additionally attaching the retrieved data to the transaction to create a complete description of the transaction analyze the complete description of the transaction for creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

Abstract: Systems and method for managing a construction payment process. When instructions are executed by a processor, an application server determines a date on which a draw is to occur for a construction project and generates a notification. The notification includes an indication of the date on which the draw will occur and an invitation to initiate a request for payment to be included in the draw. The application server then determines a plurality of participants associated with the construction project to be included in the draw and transmits the notification to the determined plurality of participants. The application server initiates the draw on the determined date and at least one participant of the determined plurality of participants receives a payment in the draw.

Abstract: The present invention provides an accounting software application and related system and method for generating and presenting unfileable tax documents to clients for review and upon approval and payment converting the unfileable tax document into a final, fileable document for filing with a tax entity by either the service provider or the client. Watermarks, obscuring text, and other techniques may be employed to render draft tax documents unfileable so as to promote payment of services when presenting work product, such as tax returns, electronically to clients and confirming payment by the client prior to presenting or making accessible a fileable version of the document.

Abstract: A generation technique and an analysis technique of a large number of explanatory variables to derive effective measures by using various data are provided. Specifically, a factor which lurks in a large amount of data and affects business performance is identified by automatically generating a large number of explanatory variables and performing correlation analysis between the explanatory variables and an objective variable. Three operators representing condition, target, and arithmetic which are variable generation conditions are defined in advance for data inputted into an analysis system and a large number of explanatory variables are automatically generated by these operators.

Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.

Abstract: The present invention provides an improved docket search and analytics engine for determining the outcome of a case for a particular entity or party, for predicting the outcome of a case for a particular entity or party, or for predicting the time to resolution of a case for a particular entity or party. More specifically, the present invention provides a system and engine for accessing and retrieving docket and other data from a plurality of databases and applying by one or more engines a set of models to the retrieved data to make a determination or prediction as to the outcome of a case for an entity or party involved in the case.