Abstract: The disclosed embodiments facilitate efficient calculation, determination, generation, management, analysis and/or communications relating to volatility indexes used to measure volatility of a market parameter, such as interest rates. More particularly, the disclosed embodiments relate to a type of futures contract whose underlier is a strip of options contracts whose underlier is another futures contract. Referred to as a “Premium over Parity” (“POP”) futures contract, the underlying strip of options contracts are characterized by strike prices defined in terms of a relationship with the market price of the options contracts valued at the settlement/expiration of the POP futures contract, e.g. +/?1, 2, 3, and 4 bp from the options contract value at expiration. This POP futures contract is then used as a single input to a volatility computation which enables rapid computation thereof.

Abstract: Systems, methods, and apparatuses for implementing machine learning models for smart contracts using distributed ledger technologies in a cloud based computing environment are described herein.

Abstract: Aspects for international remittances are disclosed herein. A sender initiates a request to remit funds to a recipient. The sender has an account with a first financial institution and the recipient has an account with a second financial institution. The request is communicated to specific bidders that have accounts with both the first and second financial institutions. The bidders submit bids for satisfying a request. When a bid is selected, funds are transferred from the sender's account with the first institution to the bidder's account with the first institution, and from the bidder's account with the second institution to the recipient's account with the second institution.

Abstract: In one embodiment, transferring payment between a first user and a second user of a communication system includes displaying a contact list in a user interface of a client executed at a user terminal of the first user, the contact list including the second user. The client retrieves and displays at least one page from a payment provider responsive to the first user selecting the second user from the contact list. The client transmits, to the payment provider, information related to the payment entered into the page by the first user, which causes the payment provider to transfer the payment from an account of the first user to an account of the second user.

Abstract: The present invention provides a method, system and software that provide a predictive model responsive to the correlation of news articles to stock price movement. The invention analyzes the derivative or ratio of events to drive predictions in a responsive manner. The invention considers derivatives or ratios of news meta-data within a small window in the past relative to a larger window of news items in the past. The invention may use a sentiment engine and apply the derivative of sentiment to predict volatility and/or trend direction of price of a security. The invention may look to the content, context, and derivative of sentiment to weigh news stories according to a predetermined taxonomy factoring in recency, criticality, repeatedness, trustworthiness, etc. to predict stock price behavior. Also, the invention may be used to forecast events given stock price movement and news to predict an impending story or release of significance.

Abstract: A method for displaying a service object, a method for processing map data, a client, and a server are disclosed by the embodiments of the present disclosure. The method for displaying the service object includes: providing a filtering interface, wherein the filtering interface comprises a map display area and a dimension-divided display area, the dimension-divided display area displays at least one divided dimension and description information corresponding to a plurality of sub-dimensions, a map of a target city is displayed in the map display area, and the map of the target city displays regional scopes corresponding to the plurality of sub-dimensions; receiving information of a divided dimension and a sub-dimension selected by a user; and displaying a service object associated with the sub-dimension selected by the user according to an association relationship between the service object and the sub-dimension. The methods can provide more rich filtering information to a user.

Abstract: A method for providing social network payments includes receiving a request to make a payment. The request is associated with a social network payer and a social network payee. It is determined that the social network payer is associated with a first payment provider identifier and an authorization token, and a second payment provider identifier for the social network payee is then retrieved using the authorization token. An instruction to make a payment from the social network payer to the social network payee is then transmitted to a payment service provider. The instruction includes a payment amount, the first payment provider identifier, and the second payment provider identifier. A payment alert is also adapted for a payee social network associated with the social network payee, and the payment alert is send to a social network provider device associated with the payee social network.

Abstract: In one or more embodiments, one or more loan origination systems can obtain, from a credit reporting system, credit report data for a mortgage loan applicant. The one or more loan origination systems can determine that the mortgage loan applicant does not qualify for a mortgage loan product based on the credit report data obtained from the credit reporting system. The one or more mortgage loan origination systems can obtain data representing a non-mortgage loan product for which the mortgage loan applicant qualifies based on the credit report data. The one or more loan origination systems can generate a modified version of the mortgage loan applicant's credit report data based on the non-mortgage loan product and determine that the mortgage loan applicant would qualify for the mortgage loan product based on the modified version of the credit report data.

Abstract: A system and method for generating a submittal register for various construction projects or other items is disclosed. Among other things, the system and method include inputting the construction project specifications in a file format, such as PDF, into a web application interface to convert the same to a text file, applying an algorithm to the text file, identifying all required submittals into a spreadsheet, running a quality control check of the generated spreadsheet, applying an analysis program to the spreadsheet, generating final submittal register by the program, and delivering the final submittal register.

Abstract: A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device. The program logic may further include interface logic coupled to the account management logic and the data storage device, the interface logic configured to connect the data processing system to computing systems associated with the plurality of users by way of the Internet, the interface logic providing the plurality of users with web access to an on-line banking area of a website of a financial institution.

Abstract: A method and system for tracking potentially fraudulent activities associated with one or more web sites is disclosed. The system includes a fraud tracking server connected to a fraud tracking database. The fraud tracking server includes a communications module to facilitate the exchange of data between the server and multiple client devices. The fraud tracking server receives data from one or more client devices that identifies a potential spoof site. The fraud tracking server also includes control logic to generate a spoof site tracking record in the fraud tracking database. The spoof site tracking record includes the data identifying the potential spoof site. After the spoof site tracking record has been created, the fraud tracking server notifies an administrator of the potential spoof site by communicating the data received and stored in the fraud tracking database to an administrator.

Abstract: Methods and systems for a crypto-machine learning enabled blockchain based profile pricer are described herein. In one example, computer-readable instructions are stored in memory, and one or more processors execute the instructions to determine requested information for a user that can be displayed on a user interface in real-time or near real-time of the user's request. In addition, the provided data can be customized for the user based on a user profile stored in the memory as well as based on third party data stored in a database of related information. The data is communicated to the user using blockchains. At least some advantages of such an arrangement are providing requested data to a user, for display on a user interface, in a transparent, secure, and timely manner.

Abstract: Aspects of the disclosure relate to high-security digital payment systems with instant activation. The systems may include multiple stages of authorization. The multiple stages of authorization may include increasing thresholds of criteria. The system may also include multiple payment instruments with seamless digital wallet integration.

Abstract: A system and computer-implemented method for approving a dynamic mortgage application. The method includes determining a customer is approved for a mortgage, including calculating an amount in which the customer is approved for a mortgage loan based upon the information about the customer retrieved from a memory storage location. The method further includes determining a real estate property is mortgage ready, including calculating an appraisal value for the real estate property based upon the information about the real property retrieved from the memory storage location. The method still further includes comparing the calculated amount the customer is approved for a mortgage loan with the calculated appraisal value of the real estate property, and approving the mortgage application of the customer for the real estate property when the calculated amount the customer is approved for the mortgage loan meets or exceeds the calculated appraisal value of the real estate property.

Abstract: Techniques are provided that produce a risk profile consisting of a risk score and trends of risk scores across devices and sensors in a machine-to-machine (M2M) or Internet of things (IOT) environment. For example, a device is assigned a risk score which is based on baseline factors such as expected network packets between two devices, normal network packets, access to critical devices, authorized access requests from one device to another device, normal communications to a device and the critical ports of a device; access to and conflicts across physical, logical, and operational systems; historical and current usage of these systems, data from public sites, and anomalies from normal behavior patterns. Techniques encompass risk management by computing a risk score in a timely fashion in accordance with an architecture that enables achieving the required scaling necessitated by the huge number of devices in the machine-to-machine (M2M) or Internet of things (IOT) environment.

Abstract: An information processing system includes an object information acquiring unit, a receiver information acquiring unit, and an authentication information issuing unit. The object information acquiring unit acquires delivery object information of an object from a deliverer of the object. The object is stored in an interior space of a vehicle and of which delivery is desired. The receiver information acquiring unit acquires receiver information on a receiver of the object. The authentication information issuing unit issues authentication information for locking and unlocking a door of the vehicle based on the delivery object information and the receiver information and transmits the authentication information to a terminal of the receiver.

Abstract: A search device updates positions and momentums of a plurality of virtual particles, for each unit time from an initial time to an end time. The search device, for each unit time, calculates, for each of the particles, a position at a target time of a corresponding particle, calculates, for each of a plurality of nodes, a first accumulative value by cumulatively adding positions at the target time of two or more particles corresponding to outgoing two or more directed edges, calculates, for each of the nodes, a second accumulative value by cumulatively adding positions at the target time of two or more particles corresponding to incoming two or more directed edges, and calculates, for each of the particles, a momentum at the target time of a corresponding particle based on the first accumulative value and the second accumulative value.

Abstract: A method for collecting and processing user input. In some embodiments the method includes presenting a first user with a prompt for eliciting a first response, the first response including a numerical portion including one or more numbers, and an explanatory portion; receiving, from the first user, the first response; receiving from each of a plurality of other users, a respective response of a plurality of other responses; and displaying, to the first user, an ordered list of other responses. Within the ordered list, a second response, of the plurality of other responses, may be earlier than a third response, of the plurality of other responses, the second response being, according to a measure of distance, more distant, than the third response, from the first response.

Abstract: Embodiments of the present invention relate to the field of diagnostic technologies of a vehicle, and specifically disclose a diagnostic method for a vehicle. The method includes: receiving, by a diagnostic server, a connection request message sent by a terminal, the connection request message being used to request address information of a diagnostic server corresponding to a to-be-diagnosed vehicle; determining the corresponding diagnostic server according to the connection request message; and sending the address information of the diagnostic server to the terminal, so that the terminal establishes a communication connection with the diagnostic server according to the address information. According to the foregoing technical solutions, in the embodiments of the present invention, a plurality of vehicle can be diagnosed by using the terminal, improving diagnostic efficiency and achieving relatively high user experience.

Abstract: A method for identifying merchant trade areas for search result filtering includes: storing a plurality of merchant profiles, each profile including data related to a merchant including a merchant identifier and merchant geographic location; storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific merchant identifier and merchant geographic location associated with a merchant involved in the transaction, a consumer primary geographic location associated with a consumer involved in the transaction, and a travel distance based on a distance between the merchant and consumer primary geographic locations; identifying, for each merchant profile, merchant trade area data, the data including trade distances based on the travel distance included in transaction data entries where the included specific merchant identifier corresponds to the merchant identifier included in the respective merchant profile; and updating merchant profiles to include th

Abstract: Certain aspects involve optimizing neural networks or other models for assessing risks and generating explanatory data regarding predictor variables used in the model. In one example, a system identifies predictor variables. The system generates a neural network for determining a relationship between each predictor variable and a risk indicator. The system performs a factor analysis on the predictor variables to determine common factors. The system iteratively adjusts the neural network so that (i) a monotonic relationship exists between each common factor and the risk indicator and (ii) a respective variance inflation factor for each common factor is sufficiently low. Each variance inflation factor indicates multicollinearity among the common factors. The adjusted neural network can be used to generate explanatory indicating relationships between (i) changes in the risk indicator and (ii) changes in at least some common factors.

Abstract: A computer-implemented method may include retrieving, using at least one processor, a goal associated with a user from a user profile; generating, using the at least one processor, based in part on contextual information associated with the user, a plurality of metrics for the goal; based on the plurality of metrics and using the at least one processor, generating an action recommendation with respect to completion of the goal; and presenting the action recommendation to a user device of the user.

Abstract: A method and system may detect and correct errors in consumer reporting. A secure data file such as a Metro 2® formatted file may be obtained for a consumer that includes the consumer's credit information. A consumer reporting server may generate a non-sensitive private information (non-SPI) consumer identifier that references non-SPI consumer credit information included in the Metro 2® formatted file. Then a member of the organization may access the non-SPI consumer credit information to review the non-SPI consumer credit information and detect and correct errors. Errors may be detected by training a machine learning model using a first set of non-sensitive private information (non-SPI) consumer credit information from statements including errors and a second set of non-SPI consumer credit information from statements that do not include errors. The non-SPI consumer credit information for the consumer may be applied to the model to identify errors.

Abstract: A system and method for managing data share requests. An electronic form processing module receives a request to share data relating to an organization with an entity not affiliated with the organization. The request includes responses to questions presented in an electronic form. At least some of the questions presented in the electronic form are presented based on a response to a previously asked question in the electronic form. A score calculation module calculates a score based on the responses to the questions presented in the electronic form. A risk analysis module determines whether to approve, deny or escalate the request to share data based on the score.

Abstract: A system and method for third-party food and dining ordering control, comprising at least one device capable of accessing the internet which may be a mobile device or personal computing device such as a laptop or desktop, a web application, and a point-of-sale system at a restaurant or retailer, wherein users of the web application may deposit funds into an account and set regulations on what they may purchase with the deposited funds, or have an administrator set up an account for them such as a parent setting up an account for a child or a doctor setting up an account for a patient, allowing the parent or doctor or other administrator to regulate what the sub-user such as the child or patient may purchase, in keeping with budget, diet, and lifestyle restrictions, and which may utilize zero-step authentication to allow for seamless use of the service at certain establishments.

Abstract: Techniques are described for characterizing and summarizing seasonal patterns detected within a time series. According to an embodiment, a set of time series data is analyzed to identify a plurality of instances of a season, where each instance corresponds to a respective sub-period within the season. A first set of instances from the plurality of instances are associated with a particular class of seasonal pattern. After classifying the first set of instances, a second set of instances may remain unclassified or otherwise may not be associated with the particular class of seasonal pattern. Based on the first and second set of instances, a summary may be generated that identifies one or more stretches of time that are associated with the particular class of seasonal pattern. The one or more stretches of time may span at least one sub-period corresponding to at least one instance in the second set of instances.

Abstract: Techniques for monitoring and optimizing Monte Carlo simulations within a provider network are described. A metric representing a similarity between a first data distribution associated with a Monte Carlo simulation template and a second data distribution associated with a data source is generated and evaluated against a condition based on a threshold. A new Monte Carlo simulation template is generated based on the Monte Carlo simulation template. A Monte Carlo simulation is run based on the new Monte Carlo simulation template using a plurality of virtual machines (VMs).

Abstract: Methods, systems, and computer-readable media for deploying and implementing centralized trading and tracking computing platforms to support tri-party trading are presented. In some embodiments, a central trading computing platform may receive, from a discretionary and managed accounts administration computer system associated with a financial institution, trade information defining one or more trades in one or more mutual funds for one or more accounts administrated by the financial institution. Subsequently, the central trading computing platform may validate the trade information and create order information based on the trade information. Then, the computing platform may send the order information to a clearing entity computer system.

Abstract: An artificial intelligence system for managing a consumer relationship is provided. The artificial intelligence system includes: one or more client entities; a storage device configured to store data related to actions and characteristics of the one or more client entities, the actions and characteristics relating to payment of accounts receivable; one or more machine learning server devices configured to generate and update a machine learning model based on previous actions and characteristics of said one or more client entities; and predict future actions of the one or more client entities with respect to the payment of accounts receivable, based on the machine learning model.

Abstract: The present disclosure relates to methods and systems for integrating disparate data feeds and providing unified data monitoring to identify entities and/or transactions associated with the data for further investigation. Embodiments provide a system including at least one data feed with data having a first structure, and a common data layer configured to map the data to a common data model specifying a second structure common within the system. The system also includes a factor component configured to define a plurality of Factors and their inter-dependencies for deriving information from the mapped data, a model repository to run a selected set of Factors against a selected set of mapped data, according to a specified Model to identify data in the mapped data to evaluate, and to generate an alert based on Model parameters applied to the identified data, and an alert component to format the alert for external consumption.

Abstract: An example operation may include one or more of a computer deriving a first set of metrics from processing a first and second set of data analytics, the sets associated with a subject matter. The operation further comprises the one or more computer deriving a second set of metrics from processing a third and fourth sets of data analytics, the third and fourth sets associated with the subject matter. The operation further comprises the one or more computer publishing the first and second set of metrics. The operation further comprises the one or more computer receiving a first plurality of requests for processing of analytics using the first set of metrics. The operation further comprises the one or more computer receiving a second plurality of requests for processing of analytics using the second set of metrics. The operation further comprises the one or more computer maintaining tallies of the requests.

Abstract: Example embodiments provide item notifications. A networked system receives, from a device of a user, a selection of an item from a list for monitoring. The network system also receives, from the device of the user, a condition that triggers the reporting of news for the selected item. The network system monitors for news for the selected item. A determination is made as to whether the condition that triggers the reporting of the news is satisfied. In response to determining that the condition that triggers the reporting of the news is satisfied, the networked system transmits a notification to the user indicating the news for the selected item.

Abstract: Systems and methods for securities claims identification, optimization and recovery are disclosed herein. The disclosed system may maximize returns on security claims assets arising from alleged fraud in the purchase or sale of securities in a securities portfolio. In one embodiment, the disclosed system monitors data, including unstructured data, relating to a plurality of entities' securities, and creates an aggregated data set to which machine learning may be applied to identify characteristics indicative of an event of interest, such as fraud. The systems and methods of the present invention may be used to monitor an investor portfolio using analytic tools to identify asynchronous activity or movements in portfolio securities associated with the event of interest, and perform loss and damages valuation analysis, and assist with identifying securities claims and optimize recovery of revenue associated with the securities claims.

Abstract: A device may comprise a memory and a processor coupled to the memory. The processor may receive transaction information and entity information for a plurality of entities and may generate a first model based on the transaction information, the entity information, and information identifying an event, a theme, or a transaction parameter. The processor may process, using the first model, the transaction information and the entity information to identify a set of related entities and a type of relationship associated with the set of related entities. The processor may determine, using a second model, one or more modifications to a first set of accounts and a second set of accounts associated with the first and second entities based on the type of relationship and may perform one or more actions based on the one or more modifications.

Abstract: Systems and methods for launching an instance of a virtualized operating system using an infrastructure as code (IaC) script and an IaC build file image are provided. For example, the system may determine the IaC build file image that defines a parameter of a virtualized operating system. When launched, the virtualized operating system satisfies an industry security standard. The operating system image may comply with the industry security standard without patching from the user after the virtualized operating system is launched.

Abstract: Embodiments provide a computer-executed method, a computing device, and computer program product for enabling indication of a relevance of an item. The method includes displaying a consumer interface on a visual display of a computing device associated with a consumer, the consumer interface rendering representations of one or more items. The method also includes receiving, at the computing device, an indication of consumer input with respect to at least one of the items. The method also includes, based on a determination that the consumer input corresponds to a relevance command, adjusting the display of the representations of the one or more items on the consumer interface. The method further includes, based on the relevance command, determining a relevance indication of a characteristic of the at least one item to the consumer.

Abstract: A customer risk trigger associated with a customer may be identified. A response to the customer risk trigger may be detected. First risk analysis data related to the customer risk trigger may be gathered, based on the response, from a first datastore. Second risk analysis data related to the customer risk trigger may be gathered, based on the response, from a second datastore. A customer risk profile to model risk attribute(s) of the customer may be gathered. The risk attributes may represent a risk correlation between the customer and a prohibited act. Customer risk visualization tool(s) configured to facilitate visual user interaction with the customer risk profile may be gathered. The customer risk visualization tools may be rendered in a display of the computing system. The customer risk visualization tools provide a customer-centric view of risk for various applications, including anti-money laundering applications.

Abstract: Systems and methods for transforming an electronic portfolio. A system includes an electronic crossing platform that receives data defining trade orders of the electronic portfolio during an initial time period; compares portions of the data to determine an imbalance of the trade orders remaining after the initial time period and receives, during a final time period, a final trade order from a fund agent device to offset the remaining imbalance. The platform receives, after the final time period, a benchmark value of the electronic portfolio from a fund device; compares the final trade order with the remaining imbalance to determine an adjustment value; converts the benchmark value to a final value by applying the adjustment value to the benchmark value; and transforms the electronic portfolio into the transformed portfolio by creating paired buy and sell orders among the trade orders received during the initial time period at the final value.

Abstract: A vehicle dispatch device is configured to dispatch a vehicle having an autonomous driving function to a user, the device includes: a search unit configured to search for a first alternative moving object when the vehicle cannot continue the autonomous driving to the destination during the autonomous driving of the vehicle on which the user is boarded, the first alternative moving object to which the user can transfer at a boarding position which is within a predetermined distance from a position on a route to an end position of the autonomous driving of the vehicle, within a predetermined time from alighting from the vehicle; and a grant unit configured to grant a reward to the user when the first alternative moving object does not exist.

Abstract: A management device includes a manager that is configured to manage information related to a price of securities, which is obtained by securitizing a part of a monetary value of a secondary battery provided to a user, a price assessor that is configured to access the price of the securities, and a provider that is configured to provide the price of the securities assessed by the price assessor.

Abstract: Embodiments of a data processing system comprises a first database including first records and a second database including second records. The data processing system may also comprise a processor configured to execute instructions to receive a first filter item comprising a first criterion and a second filter item comprising a second criterion and identify, in the first and second records, at least one record that meets the first criterion of the first filter item. The instructions may update the at least one record to include a unique identifier and generate a third database including third records by identifying, in the first and second records, records that include the unique identifier. The instructions may cause a comparison of a rubric of historical linkage features with the third records to identify an element of historical linkage between the at least one record and the third records and generate an event notification including the element of historical linkage.

Abstract: The disclosed embodiments relate to systems and methods for generating an optimal solution for determining a value for one or more base data objects. A plurality of solutions include one or more composite data objects transacted by a transaction system processor. The composite data objects include the one or more base data objects. An optimal solution is generated by using data indicative of a level of activity and a number of sources for each of the plurality of composite data objects.

Abstract: The system and methods described herein allow users to give their applicant information when seeking to purchase a good with financing from multiple potential lenders, and may be pre-screened by one or more rule sets implemented by a marketplace client in an eligibility analysis to ultimately submit applicant information to a subset of the multiple potential lenders which are found to be suitable for lending to an applicant based on the applicant information, wherein lender microservices are then run in a jailed, firewalled, and self-contained, autonomous environment, and the results of said lender microservices are reported to the user and may be used to change the one or more rule sets implemented by the marketplace client for future pre-screening of applicants.

Abstract: This disclosure describes techniques for determining whether to approve or deny a borrower's lending-product request by selectively using a heuristic and statistical model. More specifically, a borrower may submit a lending-product request to a Heuristic-Statistical Risk Management (HS-RM) system, and in doing so the HS-RM system may analyze relationship attributes of the borrower to determine a likelihood of borrower repaying a loan over a predetermined time period, and avoid being charged off. In some examples, the HS-RM system may execute a plurality of statistical models to determine a charge-off probability score. Each statistical model may be based on a set, or subset of historical lending-product data. A subset of historical lending-product data may be based on a selection bias of shared characteristics within a set of historical lending-product data. The selection bias may be based on characteristics of a lending-product request or relationship attributes of a borrower.

Abstract: Computer-implemented systems and methods enhance a user's sophistication as she/he reviews complex information sources using specialized detective tools provided by a user interface of the computer system. The specialized investigative inquiries are stored in a database and are particularly tailored a priori by a subject-matter content designer for the type of documents being reviewed for risk and opportunity. The investigative scripts are organized into to a path of risk-related subjects or topics, and within each path of subjects/topics the investigative scripts are organized into a specialized inquiry or flow chart.

Abstract: Embodiments of the present invention are directed to systems and methods for providing a central entity that can provision mobile payment applications on mobile communication devices and personalize the mobile payment applications with consumer and account information. The personalization of the mobile payment application on the mobile communication device may include provisioning a payment account on the mobile payment application. The central entity may provision the account on the mobile payment application without interacting with the issuer during the provisioning of the account. The central entity may provision the account on the mobile communication device by decrypting, using a secure element key, encrypted payment account information received from the mobile communication device. The payment account information may be encrypted by a secure element of the mobile communication device using the same secure element key.

Abstract: A computer implemented method for controlling operational states of a hardware matching processor includes monitoring, by a circuit breaker, incoming electronic data transaction request messages to the hardware matching processor; dynamically defining a range of values as a function of values included with electronic data transaction request messages received during a rolling lookback window; detecting that an incoming electronic data transaction request message contains a value outside the range of values; transitioning the electronic data transaction processing system into a pre-open state for a predetermined period, thereby preventing the hardware matching processor from matching incoming electronic data transaction request messages; calculating a pre-open value at an end of the pre-open state; and re-opening the electronic data transaction processing system at the calculated pre-open value, thereby allowing the hardware matching processor to match incoming electronic data transaction request messages.

Abstract: Methods and systems are disclosed that identify and locate debt settlement candidates based on credit data associated with the consumer. For example, candidacy may be based on a debt score, generated by an assessment of the consumer's credit data. Credit data may include the consumer's credit score rank, credit score, revolving credit to debit ratio, credit available, delinquent accounts, negative accounts, instances of negative information on their credit report, public record data, average account age, debit, or a combination thereof.

Abstract: An authentication server computing device is provided. The authentication server computing device is configured to receive a transaction request from an audio interface device, generate a first audio file including a first audio transmission, wherein the first audio transmission includes a primary security artifact and at least one secondary security artifact and the primary security artifact is an encoding of a one-time password, store a reference data file including the first audio transmission, transmit the first audio file to a verified user computing device associated with the account identifier, receive a second audio file from the audio interface device, wherein the second audio file includes a second audio transmission, verify the second audio transmission by comparing the second audio transmission to the reference data file including the primary security artifact and the at least one secondary security artifact, and authorize the transaction based on verifying the second audio transmission.

Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring.