Abstract: Apparatus and methods for providing an electronic environment for enabling straight through processing (“STP”) of an advisor/client-adopted-illustration are provided. The environment includes a workstation. An interface screen is located on the workstation. The interface screen displays multiple illustrations. The interface screen may distinguish the differences between the two illustrations from like portions of the two illustrations. The interface screen may juxtapose, on the display, like portions of the two illustrations. An environment condition may include a requirement that each of the two illustrations includes a signature from the client. The environment may also include a communications module for transmitting an illustration request to a remote server, which may determine whether an advisor-selected characterization of the illustration is correct.

Abstract: Systems and methods discussed herein relate to a system for detecting and preventing fraudulent transactions through collecting requests for website access, stored-card trades and sales, and transactions using physical or electronically issued credit, debit, stored-value, and other cards. The fraud detection system not only flags individual transactions, but is also configured to dynamically track and update banned/watch lists associated with request artifacts and cards in order to catch and prevent individual actors as well as BOTs, at least by adjusting the thresholds used to evaluate risk scores and what is placed on the banned/watch lists based upon requests received as well as information from financial institutions, merchants, government agencies, and watchdog groups. The system is also configured to provide information to those groups.

Abstract: Certain embodiments of the disclosure relate to methods and systems that support automated, targeted polling of consumers via an e-commerce promotions platform for administering e-commerce promotional activities, such as, for example, sweepstakes, contests, giveaways, and/or instant wins.

Abstract: An intelligent shelf management system and operating method are revealed. The system includes an operating and display device by which users input their demands of goods; an information module electrically connected to the operating and display device and comprising a database of goods and an analysis module which receives and analyzes the demands of goods input and finds out product information matched after comparison with information in the database; a content management system electrically connected to the information module and receiving the product information from the analysis module; and a point-of-sale system having a plurality pieces of related sales information and electrically connected to the content management system or the information module. The content management system compares the product information with the plurality pieces of related sales information to collect and send the related sales information matched to the operating and display device.

Abstract: In accordance with various embodiments, described herein are systems and methods for use with an analytic applications environment, for ranking of database tables for use in controlling extract, transform, load (ETL) processes. In accordance with an embodiment, the system uses a ranking algorithm or process to rank database tables and/or table columns associated with a set of data. The table/column rankings can then be used to prioritize ETL processing of a customer's data for use with a data warehouse or other data analytics environment. In accordance with an embodiment, the method includes determining a global rank; a business rank; and a tenant or customer-specific rank, for a plurality of tables and columns in a customer's database; and aggregating or otherwise using the determined rankings to control the ETL process for a particular customer (tenant), to load their data into the data warehouse.

Abstract: A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. The system further includes a data store for storing configuration information for enabling the operating system to interface with available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations is stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources.

Abstract: A method, a system, and computer program product for offline document editing. A request to download a document stored at a remote database is received. The document is accessible through an online application. A structure of the document is generated by using metadata associated with the document. The document is generated by filling entries of the structure using data retrieved from the remote database. The document is transmitted to be downloaded for offline editing. An updated document generated by modifying the document using offline editing is received. The remote database is updated using the updated document.

Abstract: In general, this disclosure involves systems, software, and computer implemented methods including receiving a workflow defining (1) a plurality of parameters to be defined during completion of a digital applications, (2) a sequence of operations, and (3) one or more evaluation rules, the workflow having been defined by an external system and received at an integration platform. An application service generates a digital application based on the workflow, the digital application including a reference to the workflow. The integration platform can cause a locked workflow to be immutably stored in a repository at the integration platform. The integration platform sends the digital application to a client device, the digital application configured to be presented on the client device in accordance with the sequence of operations.

Abstract: A computer-implemented method includes: generating a GUI including a first button selectable to register identity information and a second button selectable to request identity information; receiving, in response to the first button being selected, pieces of identity information regarding a customer; receiving a preference for each piece of identity information from the customer that governs distribution of identity information to requesting parties; generating a customer-specific key; provisioning the key to an identification chip of a customer computing device; transmitting the graphical user interface to a computing device of a requesting party other than the customer; receiving, in response to the second button being selected, the key, a request for identity information, and an identity of the requesting party; identifying the customer based on the key; determining that a preference for the requested piece of identity information is met; and providing the requested piece of identity information to the req

Abstract: A vehicle repair estimate platform for collecting vehicle repair data from a depth and dimension measuring camera and generating a manipulatable three-dimensional model of the vehicle damage. An estimate is generated based on insured claim attributes and predefined vehicle damage parameters, and the estimate tagged for periodic selection for inclusion in a wide area repair estimate matrix.

Abstract: In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.

Abstract: A heuristic money laundering detection engine includes capabilities to collect an unstructured data set, such as a transaction record, and detect indications of money laundering activity. By detecting money laundering activity and feeding back indications of money laundering transactions, the heuristic algorithm may continue to learn and improve detection accuracy. Such indications may include correlations to sets of transaction activity among a number of financial accounts and past indications of money laundering activity. Indications of money laundering may allow generation of audit reports for reporting to regulatory authorities.

Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.

Abstract: A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.

Abstract: A toolbox application presents a user interface on a client device, and receives a natural language search query provided by a user of the client device that identifies a desired functionality to be performed for the user. The toolbox application determines whether any of a plurality of accessible utility components accessible is capable of performing the desired functionality specified in the search query. Responsive to determining that none of the accessible utility components is capable of performing the desired functionality, the toolbox application sends a request comprising the natural language search query to a server that maintains library of a plurality of utility components.

Abstract: One or more graphical user interfaces (GUIs) and/or a console management, modeling, and analysis system is described. In some embodiments, the GUI and/or management system can be used to analyze investment purchases and/or sales. In some embodiments, users may be allowed to enter data used to produce dynamic models. In some embodiments, data may be aggregated from various users and/or sources to provide adaptive, dynamic models and/or projections.

Abstract: Methods and systems for scheduling modifications to online stores. Scheduling a modification, to an online store, to occur at a first time. Monitoring requests, associated with the online store, received from user devices. Determining, based on the monitored requests, a metric indicating a level of customer activity associated with the online store. Comparing the level of customer activity with a threshold level of customer activity associated with the modification and, based on the comparison, determining a second time for scheduling the modification.

Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.

Abstract: Disclosed in some examples, are methods, systems, devices, and machine-readable mediums that use one or more images (e.g., Quick-Response (QR) codes) displayed by a first application to both provide the location to obtain a second application and to copy a session from the first application to the second application once downloaded. In some examples, a session comprises an authentication session such that, when the session is copied, the user is logged into a network-based service within the second application with a same account as the user is already logged into with first application.

Abstract: Methods and systems for translating events for use by business objects. In one embodiment, a method is provided that includes receiving a scheming via a discovery function. The schema may correspond to a data source with a business object environment and may describe properties of the data source. A business object may be created within the business object environment and may include an inbox to receive events and a translation function. An event may be received from the event source at the inbox. The event may be translated according to the translation function into a business object event that corresponds to a property of the data source. The business object event may be provided to at least one business object within the business object environment.

Abstract: A system to allocate resources via information technology infrastructure is described. A server includes processors to provide to a plurality of devices, an electronic benefits account transaction application programming interface (“API”) configured to receive transaction requests from a plurality of heterogeneous electronic funding sources. The server can receive a request to initiate a single transaction to fund an electronics benefit account. The server can transmit data in an alert format indicating a denial of the single request responsive to a comparison of a value to one or more threshold limits.

Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for transaction processing using a smart device. In one embodiment, a system and method are introduced which enable the use of a third-party provider in conjunction with the smart device. The third-party provider can enable transaction processing and offloading, eliminating the need for processing via an application server. In another embodiment, a dynamic machine-readable code is further introduced for providing the communication between the third-party provider and the smart device.

Abstract: Systems and methods are disclosed in assessing and determining the health of social tokens associated with certain events. More specifically, but not by way of limitation, this disclosure relates to determining dynamic scores associated with social tokens for senders and receivers in those events and using those scores to assess whether to allow or reject the event.

Abstract: Disclosed are a method and system for generating a behavior profile for a new entity. The method is performed in response to and immediately after a new entity is added to a fraud detection system. The method includes generating a doppelganger behavior profile for the new entity based on feature data of the new entity and pre-existing entities. Generating the profile includes determining a similarity score for each pre-existing entity, ranking the plurality of pre-existing entities based on the score, selecting pre-existing entities based on the ranking, and combining behavior profiles of the preexisting entities to produce the profile. The method also includes assigning the profile to the new entity and monitoring the new entity. The method further includes detecting fraud, an anomaly, and/or malicious intent based on the profile, and automatically suspending an aspect of the new entity in response to the detection.

Abstract: A technique for dynamically adjusting a digital advertising campaign during an active campaign flight is discussed. Using feedback from a digital survey over an exposed audience of user populations, brand lift may be calculated on a per ad creative and/or per site basis. User characteristics derived from content consumption patterns may be used to optimize ongoing campaigns and formulate target audiences and target creative formats for new campaigns.

Abstract: An example computing device obtains financial data corresponding to a user and based on the financial data, determines an initial risk score for the user that represents an estimate of financial risk of the user. The computing device receives, from a computing system associated with a gaming platform, wagering activity data corresponding to wagers placed by the user. Based on the wagering activity data, the computing device determines an updated risk score for the user that indicates an increased estimate of financial risk. Based on determining the updated risk score, the computing device transmits (i) a first message that causes a user device to display (a) a notification that wagering activity has been suspended and (b) a request for user-input data and (ii) a second message that causes the computing system associated with the gaming platform to suspend user wagering activity via the gaming platform.

Abstract: Embodiments described herein disclose methods and systems for authorizing a payment card transaction using a dynamic code accessed from a first device and a presence of a second device. The dynamic code can be accessed on a first device when the second device is within a proximity of the first device (e.g., electronically paired using a short-range communication protocol, on the same local area network). The system can receive a request for authorization of a transaction using the payment card and can include a verification code associated with the payment card and an identifier of the payment card, and the payment card can have the associated dynamic code. The verification code can be compared with a value of the dynamic code at the time of the transaction. In response to the verification code matching the dynamic code at the time of the transaction, the system can authorize the transaction.

Abstract: A defect detection and ranking system for a vehicle assembly line is provided. The system includes an image capture device that captures a plurality of images of a vehicle on the vehicle assembly line. The system also includes a defect detector that analyzes the plurality of captured images and, based on the analysis, detects a plurality of defects on the surface of the vehicle. Each of the plurality of defects has an associated x-y-z coordinate location, a defect type, and a defect severity. The system also includes a datastore containing a vehicle specification, for the vehicle on the vehicle assembly line, and a defect priority based on the vehicle specification. The system also includes a defect prioritization generator configured to: receive the plurality of defects from the defect detector, retrieve the vehicle specification and the defect priority, and apply the defect priority to the plurality of defects, and output a prioritized list of defects, wherein the prioritized list of defects.

Abstract: A method and system addresses the circumstance where a lack of confidence in the impairment rating has arrested the impairment rating process and additional data collection is no longer possible. One or more incomplete data sets are compared to and corrected with a high accuracy database containing reviewed historical impairment data. An analysis of the data outputs a temporary impairment rating and a recovery score index, which yields a corrected and substantially accurate impairment rating report which can be used within the managed impairment repair process as the worker's compensation claim moves toward claim closure.

Abstract: A credit card recommendation system for recommending credit cards to a user can be based on the consumer's estimated monthly spend, estimated spend across a plurality of categories, and user credit data. The credit card recommendation system can filter credit cards based on a likelihood of approval for the user. The credit card recommendation can determine a reward valuation and an adjustment valuation by assessing user spend and the characteristics corresponding to the credit card. The credit card recommendation can train a model to score credit cards for users, and apply specific user data to the model to determine a credit card score particular to the user.

Abstract: Disclosed are systems and methods for conducting an open conversation user interface and more particularly, to a channel-agnostic user interface experience which can utilize automated background intelligence to simplify the exchange between a software system or member service representative (MSR) and a member, and avoids the need for web-based free form inputs.

Abstract: Aspects of the disclosure relate to systems for processing transactions between two entities. A transaction control platform may determine attributes associated with different transfer channels between the two entities. Based on the determined attributes, the transaction control platform may determine a transfer channel to be used for transmitting a message corresponding to the transaction. The transaction control platform may use machine learning algorithms to identify an optimal transfer channel that meets particular desired factors.

Abstract: A computer-implemented method that includes receiving a user command including one or more criteria characteristics in association with an account and detecting an occurrence of a transaction from the account. The transaction is associated with one or more purchase characteristics. The method includes determining whether the one or more purchase characteristics of the transaction match the one or more criteria characteristics, and recording a modified version of the one or more purchase characteristics of the transaction on a ledger of the account in response to determining the one or more purchase characteristics match the one or more criteria characteristics. The method includes recording an unmodified version of the one or more purchase characteristics of the transaction on the ledger in response to determining the one or more purchase characteristics do not match the one or more criteria characteristics.

Abstract: A candidate data determination unit acquires a result of estimation of a score representing a likelihood of a label being added as an annotation to target data. A label candidate input unit receives designation of a candidate label from a user. The candidate data determination unit determines candidate data, from a plurality of pieces of labeled data included in a feature space, the candidate data representing a plurality of pieces of labeled data distributed in respective quadrants into which the feature space is divided, wherein the label is added to the labeled data as the annotation, and wherein the feature space is defined using the score, which represents a likelihood of a label being added as an annotation, as an axis. The candidate data determination unit determines, for each of the plurality of quadrants, candidate data based on the labeled data included in each of the plurality of quadrants.

Abstract: An exchange computer system configured to continuously, securely, dynamically, and efficiently generate cliquet combos includes a trading engine that receives related data from one or more remote user computing devices, determines various parameters for the cliquet combos from the received data, and generates the cliquet combos from those parameters. The trading engine then securely transmits data related to the generated cliquet combos to the one or more remote user computing devices via a computer network, each of those devices being configured to display that data within a graphical user interface. The same system is further configured to handle transactions involving generated cliquet combos, based on orders received from the devices.

Abstract: The present disclosure relates to methods, systems, and storage media for detecting events based on updates to node profiles from electronic activities. Exemplary implementations may access an electronic activity transmitted or received via an electronic account associated with a data source provider; generate a plurality of activity field-value pairs; maintain a plurality of node profiles; identify a first state of a first node profile of the plurality of node profiles; update the first node profile using the electronic activity; identify a second state of the first node profile subsequent to updating the first node profile using the electronic activity; detect a state change of the first node profile based on the first state and the second state; determine that the state change satisfies an event condition; and store an association between the first node profile and an event type corresponding to the event condition.

Abstract: A computer-implemented method includes receiving position data from a mobile device associated with a user, determining a location of the mobile device based on the position data, wherein the location is within a geographic location of a merchant, monitoring a position of the user within the geographic location based on the position data, determining movements of the user within the geographic location based on monitoring the position of the user within the geographic location, identifying an action performed by the user based on the movements of the user, wherein the action is indicative of a purchase of a good from the merchant, determining the user exiting the geographic location, and transferring payment from an account associated with the user to an account associated with the merchant for the purchase of the good via a payment network based on determining the user exiting the geographic location.

Abstract: A method may include receiving at a receiving system an electronic request to transfer assets, included in an account of a user at a delivering system, to the receiving system; generating an electronic transaction record, the electronic transaction record identifying the user, the assets, and transfer information related to the assets; adding the electronic transaction record to a shared ledger data structure; in response to the adding: transmitting an indication to the delivering system that the electronic transaction record was added; and transmitting a notification to computing nodes associated with the shared ledger data structure that the shared ledger data structure was updated; after transmitting the indication, receiving confirmation from a third-party system that the assets were successfully transferred; and in response to the confirmation, updating an account database at the receiving system indicating a transfer of the assets.

Abstract: Embodiments of the present disclosure relate to methods and systems for authenticating and authorizing mobile-One Time Password (m-OTP) based transactions. A cardholder (101) can generate the m-OTP in an issuer mobile application (301) and enter in a checkout page for completing the transaction. Once the m-OTP is entered, a merchant system (104) generates a transaction message comprising the m-OTP and a unique identifier indicating that the transaction message comprises the m-OTP. Is submitted to a directory server (106) which sends the transaction message to an issuer system (107) for authentication and authorization. The issuer system (107) generates a response message comprising a result of authentication and authorization of the transaction message. The directory server (106) routes the response message to the merchant system (104) via the acquirer system (105).

Abstract: A computer method for establishing a commodity price index includes receiving, via a web server, transactions for a plurality of first electronic currency denominated commodity or commodity future contracts, and recording, with the web server, settlement prices for the plurality of the first electronic currency denominated commodity or commodity future contracts on a distributed ledger. The computer method includes reading, with the server computer, from the distributed ledger, at least a portion of the first electronic currency denominated commodity or commodity future contracts settlement prices and determining a current electronic currency index price from the at least a portion of the first electronic currency denominated commodity or commodity future contracts settlement prices. The computer method includes displaying the current electronic currency index price on an electronic display.

Abstract: A method for dynamically allocating transaction-bound attributes associated with at least one member account by generating a personalized waiting period of the transaction-bound attributes using a machine learning model is provided.

Abstract: A system can include a first financial account data system that may include first account data. The first financial account data system can perform a function according to a first process using the first account data. The system can include a second financial account data system that can include second account data that is unintegrated with the first account data. The second financial account data system can perform a function according to a second process, which can be different than the first process, using the second account data. The system can include a server with an application programming interface. The server can determine a data system among the first and second financial account data systems with which to execute a requested function received via a common user interface. The server can execute the requested function. The server can provide a result of the execution via the common user interface.

Abstract: The present disclosure generally relates to user interfaces for managing peer-to-peer transfers. In some examples, a device provides user interfaces for initiating and managing transfers. In some examples, a device provides user interfaces corresponding to completed transfers. In some examples, a device provides user interfaces for providing visually distinguishable message object appearances based on message designation. In some examples, a device provides user interfaces for activating accounts for accepting and sending transfers. In some examples, a device provides user interfaces for exchanging accounts for use in a transfer. In some examples, a device provides user interfaces for splitting transfers between two or more accounts. In some examples, a device provides user interfaces for generating and displaying a transfers history list. In some examples, a device provides user interfaces for voice-activation of transfers.

Abstract: A system and method for a risk management visualization system having a computer comprising a processor and memory and configured to model a supply chain network as a supply chain planning problem, one or more key process indicators (KPIs) of the supply chain planning problem is based, at least in part, on the one or more input variables, model an impact on the one or more KPIs from each of the one or more input variables at a selected confidence interval using a Bayesian optimization process comprising an exploration phase and a learning phase, and display a visualization of the risk profile for the one or more KPIs, the visualization indicating a probability that an actual KPI value differs from a predicted KPI value.

Abstract: Computer systems and methods for generating portable and data-agnostic annuity datasets are disclosed where a central server generates multiple instructions to receive annuity dataset data records, participant attributes, and annuity attributes for a plurality of annuity datasets from employer servers and recordkeeper servers; integrates different annuity datasets by mapping the data fields of each respective annuity dataset and creating uniform data-agnostic annuity datasets; continuously monitors a performance value for each data-agnostic annuity dataset; and dynamically modifies recordkeepers when the performance value of annuity datasets do not satisfy a pre-determined threshold by modifying recordkeeper data records.

Abstract: Systems and methods for authenticating a user in an authentication system using a computing device configured to capture authentication biometric identity information. The authentication biometric identify information captured during an authentication session. The authentication biometric identify information may comprise or be derived from one or more images of the user being authenticated. The authentication biometric identify information is compared to root identify biometric information. The root identify biometric information is captured from a trusted source, such as trusted devices located at trusted locations, such as a government entity, financial institution, or business. Identity verification may occur by comparing the trusted root identify biometric information to the biometric identify information captured during an authentication session. Liveness determination may also occur to verify the user is a live person.

Abstract: In certain embodiments, image-feature malicious-activity detection and access prevention may be facilitated, where an activity notification associated with a transaction triggers feature detection for at least one image related to a different transaction. In some embodiments, a first image (received in connection with a first transaction) may be associated with the first transaction, and a second image (received in connection with a second transaction) may be associated with a second transaction. In response to a malicious activity notification associated with the first transaction, an identifying characteristic (e.g., a facial feature) detected in the first image may be used to determine whether to prevent access to an account related to the second transaction. As an example, in response to determining that the identifying characteristic is present in the second image, access to the account related to the second transaction may be prevented.

Abstract: Methods, systems and apparatus for using blockchain distributed ledgers to build and maintain infrastructure projects utilizing smart meters and smart contracts to increase information flow in the securitization of digital securities which are issued to fund and administer the infrastructure projects and to provide transparent and predictable returns to investors and efficient capital formation and infrastructure management to the digital security Issuers.

Abstract: A system is disclosed for dynamically assigning a predetermined user experience displayed in a graphical user interface based on one or more parameters associated with user login information that includes identifying information associated with a user and based on the type of interaction a user has requested to initiate. The system receives the user login information and automatically determines whether to display a first format or a second format in a first window within the graphical user interface based on the identifying information associated with the user. While the first window is displaying either the first format or the second format, the system may receive a request to initiate an interaction. Based on determining whether the interaction is a first type or a second type, the system automatically displays a second window in either the first format or the second format based on the type of interaction requested.

Abstract: In various embodiments, a system, method, and computer readable medium of the present disclosure comprises authenticating, by a processor of a computing device, credential information of a user of the computing device; releasing, by a processor of the computing device and in response to authenticating the credential information, a first secret element to a secure element processor of the computing device; verifying, by the processor of the computing device from the secure element processor of the computing device, that the user is an authorized user of a first transaction account by comparing the first secret element with an issuer element associated with the first transaction account; and activating, by the processor of the computing device, the first transaction account for a transaction on the computing device.