Abstract: A system, method, and non-transitory computer-readable information recording medium allows a user or trader to prepare, and send to an exchange, a trade order using a trading device. The trading device receives market data from an exchange and displays the received market data on a display unit of the trading device. The trading device also receives a trade order instruction via an input device at the trading device and detecting an occurrence of a market update as a function of the received market data within an established trade order time period associated with a time at which the trade order was received. If the occurrence of the market update was detected during the established trade order time period, the execution of the trade order is prevented.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for conducting cardless payment transactions. One of the methods includes receiving, in association with a payment transaction, a message from a customer device that includes data from an optical scan of a code displayed at a merchant point-of-sale. A request to authorize a payment for the payment transaction is received from a merchant computer. Customer and merchant accounts are identified and payment data previously associated with the customer account is accessed. The payment is authorized using the payment data, and notification of authorization is sent to the merchant device or customer device.

Abstract: Systems, computer-implemented methods, and computer program products that can facilitate sensitive data policy recommendation are provided. According to an embodiment, a system can comprise a memory that stores computer executable components and a processor that executes the computer executable components stored in the memory. The computer executable components can comprise an extraction component that can employ an artificial intelligence model to extract compliance data from a data source. The computer executable components can further comprise a recommendation component that can recommend a sensitive data policy based on the compliance data. In some embodiments, the recommendation component can further identify one or more sensitive data entities of a sensitive data dataset that are affected by actionable obligation data of the data source.

Abstract: Systems and methods for optimizing order placement in an electronic trading environment are provided. Global queue holder orders are placed in a tradeable object to reserve quantity for traders. Traders may submit order requests for quantity at price levels at which a global queue holder order is holding quantity. When a trader submits an order for a quantity at a price level at which quantity is being held, a gateway compares the order to the global queue holder order information stored in a database. If the trader's order coincides with a price level at which quantity is held, then the gateway virtually transfers ownership of that quantity to the trader, who then assumes the advantageous queue position. When the quantity associated with the order is filled, the fill information is sent to the gateway, which to the database to determine which trader is associated with the filled order quantity.

Abstract: An electronic exchange computing system is provided that includes a computer storage system, at least one transceiver, and a processing system. The storage system stores an electronic order book. The transceiver receives data transaction requests and transmits messages of an electronic data feed. The processing system generates an identifier, which may be referred to as a transaction identifier, for received data transaction requests. The identifier may be generated in a non-sequential and increasing manner such that it is greater than previously generated identifiers. The processing system will process the data transaction request and generate an electronic data feed message based on how data transaction request is handled. The electronic data feed message is sent to client computing system and includes the generated identifier.

Abstract: A data exchange that provides self-service data provisioning is provided. The data exchange may include a raw data layer, a model data layer, a plurality of workspaces and a testing environment. The raw data layer may be a landing zone for raw data records received from systems of record. The raw data layer may receive a plurality of raw data records, model and process the data records and transfer the data records to the model data layer. The model data layer may be a data layer that includes data modeled to data exchange specifications and enables queries to be executed on the data included in the model data layer. Each workspace may be allocated to a consumer. The consumer may query the plurality of data records within the model data layer. The testing environment may test scripts to ensure that the scripts conform to a predetermined set of testing specifications.

Abstract: The invention relates to a computer-implemented system and method for providing data science as a service (DSaaS) using a real time data prediction contest. Participants in the real time data prediction contest are permitted to execute and submit algorithms, utilize third party data sources, and utilize sub-contests to generate data predictions for the data prediction contest. The participants in the data prediction contest may be humans or software robots. A category of sponsor confidential information related to the data prediction is defined and maintained as confidential by the sponsor, while various methods are implemented to obtain relevant algorithms and data for the data prediction. The sponsor receives data predictions from the participants on a real time or near real time basis, calculates a score for the data predictions, and compensates participants according to their score.

Abstract: Systems and methods are disclosed herein that compute trading signals with low latency and high throughput using highly parallelized compute resources such as integrated circuits, reconfigurable logic devices, graphics processor units (GPUs), multi-core general purpose processors, and/or chip multi-processors (CMPs). For example, a liquidity indicator that indicates a presence of a hidden order for a financial instrument can be generated based on processing of streaming financial market data that operates to detect the existence of hidden orders within the financial market data.

Abstract: A system and method for isolating electronic data and generating enhanced data. A data subscription unit receives data having plural data formats from data source devices. The data may be received pre-filtered or filtered by the data subscription unit. A modeling unit may receive the filtered data from the storage databases, may determine eligibility of the stored data based on eligibility criteria, sort the eligible data based on at least one sorting parameter, adjust and/or normalize the eligible data based on at least one adjustment parameter and/or an aggregate value for a data attribute, generate data metrics over a defined set of time periods based on the eligible data, generate further data metrics based on the data metrics, and derive specified values from these metrics. A data distribution device may transmit or make available the data metrics, further data metrics and values to remote devices.

Abstract: Transaction authorization systems may include a transaction processor and an authorization server system. The transaction processor obtains transaction requests authorizations for those requests from the authorization server system. The transaction processor may require an authorization be provided within a threshold time; otherwise, the transaction may be processed without authorization. The authorization server system may be hosted using one or more nodes in a distributed system. Degradation of the performance of the distributed system may cause the performance of the authorization server system to fall below the required performance threshold and transactions may not be authorized before automatic processing. Transaction authorization systems may monitor the health of the individual nodes and/or the distributed system and automatically adjust the routing of authorizations based on current and/or future performance degradation.

Abstract: An electronic trading system including various rules is described herein. Many of the rules relate to implementing periods of exclusive priority in trading. For example, in one of the rules, an exclusive period of trading may be controlled by an aggressor and a designated passive participant. The aggressor may have exclusive rights on his side of the trade at a particular price point for a particular time. The aggressor may elect to change the price point at which he controls the trade to a new price point which is more favorable to him. Thereafter, another participant may assume the exclusivity of the trade by entering the trade on the same side of the aggressor at the old price point. In so doing, the other participant also preferably truncates the aggressor's exclusivity at the new price point.

Abstract: Aspects of the disclosure relate to a cognitive automation based compliance management system. A computing platform may receive, via a network, an alert notification indicative of a change to a legal framework applicable to an enterprise organization. Subsequently, the computing platform may, in response to the alert notification, detect a task that may be impacted by the change. Then, the computing platform may, upon detecting the task, identify at least one task parameter associated with the task. Then, the computing platform may compare the at least one task parameter with the change to determine whether the task is impacted by the change. Subsequently, the computing platform may, upon a determination that the task is impacted by the change, recommend, via the network, one or more actions associated with the task.

Abstract: Aspects of the disclosure relate to enhanced tracking of processed events. A computing platform may receive event processing identifiers corresponding to a particular event. Using the event processing identifiers, the computing platform may generate event linkage information corresponding to the particular event, and may store the event processing identifiers along with the event linkage information. The computing platform may receive a request to access event lifecycle information corresponding to the particular event. Using the event linkage information, the computing platform may identify a plurality of event processing systems performed actions associated with the particular event. The computing platform may request and receive, from each of the plurality of event processing systems, system-specific event lifecycle information corresponding to the particular event.

Abstract: In accordance with the principles of the present invention a non-biased, computer-implemented financial instrument electronic trading system and electronic central clearinghouse are provided. The electronic trading system and electronic central clearinghouse operate to provide electronic trading of financial instruments that are non-biased in that the electronic trading system and electronic clearing house address at least one of two effects that result from the difference between variation margin on a cleared financial instrument and collateral posted on an uncleared financial instrument, the first effect being a systematic advantage of being short the financial instrument when there is a correlation between the value of the financial instrument and interest rates, referred to as a convexity bias, and the second effect being a distortion in the financial instrument when an underlying asset value of the financial instrument changes, referred to as a net present value (NPV) effect.

Abstract: A method includes receiving a consensus agreement rule (“CAR”) comprising identities of a first party and second party; receiving a first SignedData message comprising first content and a first digital signature; creating a second SignedData message comprising a second digital signature of the second party on a hash of the second content and an acceptance indication; verifying, based on the acceptance indication and based on the identities on the CAR matching the identities on the signatures, that the second party accepted the terms of the agreement; and transmitting the second SignedData message to a trusted party for posting to a distributed ledger, wherein the terms of the agreement are kept private while the second SignedData message is posted to the distributed ledger, and wherein the terms of the agreement are formatted as a smart contract whose execution causes a transfer of value in response to a fulfillment of a condition.

Abstract: Systems and methods are disclosed for ensuring execution of multiple inter-dependent transactions in an electronic data transaction processing system in which a plurality of data items are transacted by one or more hardware matching processors associated therewith that match a combined electronic data transaction request comprising a conditional execution instruction and a plurality of component electronic data transaction request messages, each for transaction of a different data item of the plurality of data items.

Abstract: Systems, methods, and apparatus for confirming trade actions are disclosed. An example method includes displaying a trade action cell corresponding with a trade action, receiving an initiation command, determining that the trade action was initiated based on the initiation command, receiving a confirmation command, wherein the confirmation command is a selection of the same trade action cell, and executing the trade action based on reception of the confirmation command.

Abstract: The present invention generally relates to systems, methods and program products for use with Exchange-Traded Funds (“ETF”) holding one or more secured notes backed by one or more precious metals.

Abstract: The disclosed embodiments relate to implementation of a trading system, which may also be referred to as a trading system architecture, having improved performance which further assures transactional determinism under increasing processing transaction loads while providing improved trading opportunities, fault tolerance, low latency processing, high volume capacity, risk mitigation and market protections with minimal impact, as well as improved and equitable access to information and opportunities.

Abstract: A computing system can establish asynchronous network communications with exchanges to facilitate cross-medium transactions between originating and recipient clients. Such communications can result in filtering out errant responses that would otherwise cause an open transaction to fail.

Abstract: Various methods are provided for determining transactional networks using transactional data. One example method may comprise receiving a set of transactional data associated each of a plurality of customers, the set of the transactional data comprising a plurality of ordered lists of elements, each ordered list of elements defining a transaction of a plurality of transactions, the ordered list of elements comprising information identifying a particular customer from the plurality of customers, a merchant, and a timestamp, for each particular customer from the plurality of customers, generating a network, each generated network comprising one or more merchant nodes, a plurality of customer nodes, one or more merchant-customer edges between at least one of the one or more merchant nodes and at least one of the plurality of customer nodes, and one or more customer-customer edges between two or more customer nodes.

Abstract: Example methods, apparatus, and computer readable storage media are described and disclosed. An example method includes depicting a strategy node in a graphical user interface presented by a computing device. The strategy node represents a trading strategy associated with two or more tradeable objects. The example method includes generating a graphical connector between the strategy node and one of a plurality of contract nodes including at least a first contract node and a second contract node. Each contract node represents a contract associated with one of the tradeable objects. The example method includes repositioning, in response to an input received via the graphical interface, an endpoint of the graphical connector from the first contract node specified by the trading strategy to the second contract node. The example method also includes generating an updated trading strategy based on the trading strategy and the second contract node.

Abstract: An automatic supplier recommendation engine for suggesting a product supplier from outside of an existing merchant network is disclosed. A set of optimization solutions may include pricing, performance, shipping, duties, trust score and other inventory or manufacturing factors. The set of optimization solutions are run on a processor to determine optimal fulfillment for products in an e-commerce platform. A set of heuristics may include geographic location, quality, sizing of purchases, similarity of supplier offerings, supplier positioning and other attributes may be created for merchants and suppliers. The set of optimization solutions are run, and the set of heuristics for each merchant and for each supplier are compared, to determine whether a match exists. A prospective merchant-supplier relationship may be communicated and established via an e-commerce platform.

Abstract: This disclosure relates to systems and methods for constructing a customized debt reduction plan for a user. In some implementations, a customized debt reduction system obtains a plurality of financial attributes of the user and a plurality of other users, where the plurality of financial attributes are indicative of credit card debt, and identifies users from the plurality of other users who successfully repaid their credit card debt based on their respective financial attributes and one or more repayment techniques that resulted in successful repayment of their credit card debt. The customized debt reduction system correlates the plurality of financial attributes of the user with the plurality of financial attributes of a number of the identified users and determines a personalized score for the user, using a trained machine learning model, based on the correlation to determine a customized debt reduction plan for the user based on the personalized score.

Abstract: The disclosed embodiments relate to regulation of a rate of incoming orders by buffering or otherwise batching orders together as they are received and subsequently forwarding batches of orders to a match engine for processing thereby in a manner which may equalize orders from traders having varying abilities to rapid submit orders or otherwise capitalize on market events. The disclosed embodiments further relate to prioritizing the matching of resting orders against an incoming order. In particular, the disclosed embodiments alter the priority of a given resting order to match against an incoming order, relative to other suitably matching resting orders, as a function of how long the orders have been resting on the order book.

Abstract: A system and method may manage traffic to software applications that ingest operations into an asynchronous queue when those operations are required to execute in a synchronous manner. An identifier may be retrieved from data corresponding to each client operation. A process distribution module may be placed in front of the two incompatible systems/applications to inspect each data payload and intelligently distribute the transactions to each instance based on a well-defined algorithm (e.g., even/odd, last digit, etc.). Synchronous execution may then occur according to a timestamp for each operation.

Abstract: A computer system is described that is configured to enable customers of an organization to self-monitor account activity and modify account access settings via a contact center of the organization. The contact center control system is configured to provide an interactive call history associated with the customer's accounts with the organization. Using the call history, the customer may perform self-monitoring of calls into the contact center that access the customer's accounts, and notify the organization if any of the calls appear suspicious. The contact center control system is configured provide a user interface through which the customer may modify account access settings including changing which types of authentication methods are enabled to access the customer's accounts, and blocking account access by callers from certain phone numbers. The contact center control system may allow the customer to turn off all access to the customer's accounts via the contact center.

Abstract: A donation facilitation system that can allow a donor, such as a customer, to challenge another entity, such as a provider, to make a provider contribution to a portfolio of charities set up by the donor upon, for example, the purchase of a good or service from the provider. The provided portfolio donation facilitation system can allow the other entity such as a provider to create its own provider portfolio of charities and make a provider contribution to a customer's portfolio of charities when at least one component of the provider's portfolio of charities matches at least one component of the customer's portfolio of charities.

Abstract: A processing apparatus according to the present invention includes a screen output unit that generates and outputs an inventory status screen on which an inventory status at each of a plurality of inventory checkpoints in a supply chain is displayed. On the inventory status screen, a plurality of objects respectively corresponding to the plurality of inventory checkpoints are displayed so that an appearance order of the inventory checkpoints in the supply chain can be identified. An image of a container having a size corresponding to an optimal inventory quantity or an optimal inventory value, and an image of a content having a size corresponding to a current inventory quantity or a current inventory value are displayed in the object.

Abstract: Sum of bid quantities (across price bands) placed by generators in energy markets have been observed to be either constant OR varying over a few finite values. Several researches have used simulated data to investigate desired aspect. However, these approaches have not been accurate in prediction. Embodiments of the present disclosure identified two sets of generators which needed specialized methods for regression (i) generators whose total bid quantity (TBQ) was constant (ii) generators whose total bid quantity varied over a few finite values only. In first category, present disclosure used a softmax output based ANN regressor to capture constant total bid quantity nature of targets and a loss function while training to capture error most meaningfully. For second category, system predicts total bid quantity (TBQ) of a generator and then predicts to allocate TBQ predicted across the various price bands which is accomplished by the softmax regression for constant TBQs.

Abstract: System and computer-implemented method of permitting or arbitrating encrypted electronic transactions to occur among an intermediary and an author in an electronic data system only when an interaction occurs between the author and a candidate who was exposed by the intermediary to data published by the author. The author publishes criteria about a candidate, and the candidate posts information about the candidate, which is ingested and married to personally identifiable information about the candidate. A score is calculated indicating a correlation between the candidate and the published criteria, and an intermediary exposes the candidate to the criteria, which is tracked. When the candidate completes an interaction with the author, an encrypted transaction is permitted to occur between the author and the candidate through a proxy, without the author knowing the identity of the intermediary who facilitated the introduction.

Abstract: Systems and methods for controlling access to wireless gaming devices and networks are provided. For example, access is controlled through one or more levels of security check, such as a hard security check instead of or in addition to a soft security check. In a hard security check, the user employs an apparatus such as a card or other physical token that can be used to access the wireless gaming device. Such an apparatus may communicate information that identifies the user to the device or may simply be used to produce a signal without which the device is locked to users.

Abstract: Systems and methods are provided for monitoring a plurality of chat messages. Values are extracted from multiple chat messages between a first party and a second party. Context is determined for the values and/or messages. The context is used to determine the relationship between the values, messages, and one or more transactions. Once all values of a transaction are identified, an order ticket is generated.

Abstract: A metadata extraction machine accesses an image that depicts an item. The item depicted in the image may have an attribute that describes a characteristic of the item and an attribute descriptor that corresponds to the attribute of the item and specifies a value of the attribute. The metadata extraction machine performs an analysis of the image. The analysis may include identifying the attribute descriptor corresponding to the attribute based on image segmentation of the image. The metadata extraction machine transmits a communication to a device of a user based on the identifying of the attribute descriptor corresponding to the attribute of the item depicted in the image.

Abstract: The disclosed systems and methods relate to allowing trading of over the counter (“OTC”) foreign exchange (“FX”) contracts on a centralized matching and clearing mechanism, such as that of the Chicago Mercantile Exchange's (“CME”'s) futures exchange system (the “Exchange”). The disclosed systems and methods allow for anonymous transactions, centralized clearing, efficient settlement and the provision of risk management/credit screening mechanisms to lower risk, reduce transaction costs and improve the liquidity in the FX market place. In particular, the disclosed embodiments increase speed of execution facilitating growing demand for algorithmic trading, increased price transparency, lower cost of trading, customer to customer trading, and automated asset allocations, recurring trades as well as clearing and settlement efficiencies.

Abstract: An escrowing system for cross-blockchain third-party settlement and a method thereof are disclosed. In the escrowing system, an initiating-end host and an accepting-end host escrow digital assets in smart contracts in different blockchains, respectively, and based on a result of delivery of trading entities outside the blockchain, the digital assets escrowed by the smart contracts are transferred or returned, and the arbitration host is permitted to perform trading arbitration, without managing the trading entities, to determine whether the delivery outside the blockchain succeeds. When the arbitration host determines that the delivery outside the blockchain succeeds, the arbitration host can transfer the digital assets escrowed by the initiating-end host and the accepting-end host without consent of the initiating-end host, so as to achieve a technical effect of improving reliability of escrow.

Abstract: Devices and methods for providing alert notifications. The device includes an input module, a display, and memory having instructions. The device receives, via the input module, a first signal representing a command to set an alert condition associated with an identifier and, in response, generates the alert condition. The device transmits a second signal representing the alert condition to a monitoring system for setting up a targeted notification. The device receives a third signal representing an asserted alert indicating that the alert condition is satisfied and displays on the display, based on the third signal representing the asserted alert, an alert notification including the identifier and a first selectable option associated with a first application interface. In response to receiving, via the input module, a fourth signal representing selection of the first selectable option, the device displays the first application interface and auto-populates a first field based on the identifier.

Abstract: Systems and methods provide for integrating a wallet client with federated directory services are disclosed herein. By integrating merchant services, such as directory services with a wallet service provider, wallet clients on mobile devices can have access to all merchant listings without having to manually add each directory service. The system disclosed herein integrates Chamber of Commerce directory service listings with the wallet client, such that when a request for a merchant directory service is received from a device associated with the wallet client, the request is forwarded to a federated directory service wallet system interface operated by a Chamber of Commerce site. Supply chain data that matches the request, and location information that is included in the request, is then fetched from the federated directory service wallet system interface and forwarded to the device that sent the request.

Abstract: A method and apparatus for improving the management of cash and liquidity of an organization utilizing a plurality of currency accounts is described. The improvements optimize the interest earnings for the cash balances in each currency account, and minimizes the expenses related to funding the currency accounts. Machine learning techniques are incorporated to forecast payments, receipts, interest rates and currency exchange rates, and then cash is transferred or borrowed or loaned to fund the payments and utilize available cash.

Abstract: In various example embodiments, a system and method for providing dynamic bidding notifications and price guidance for buyers are presented. The system receives a selection of a present item listing and accesses historical auction data for a set of historical item listings. The system generates a dynamic bidding model for bidding on the present item and generates one or more bidding notifications based on the dynamic bidding model. The system then causes presentation of the one or more bidding notifications on a client device.

Abstract: A method and apparatus for improving the management of cash and liquidity of an organization utilizing a plurality of ledger accounts and a plurality of currency accounts is described. One improvement in the accuracy of the forecasts comes from the uses of individual ledger accounts. The improvements optimize the interest earnings for the cash balances in each currency account and minimizes the expenses related to funding the currency accounts. Machine learning techniques are incorporated to forecast payments, receipts, interest rates, and currency exchange rates, and then the cash is transferred or borrowed or loaned to fund the payments and utilize available cash.

Abstract: A server automatically generates a response on behalf of second users to a request received from a first user. A first stage of matching is performed that includes determining which of the second users match a requested location and request type. A second stage of matching is performed for each second user that includes computing a value that quantifies a likelihood of the first user selecting that second user to fulfill the request, and determining a capacity of the second user to fulfill the request. Some of the second users are selected based at least in part on the computed value and the determined capacity of each of the second users. A response is automatically generating for each of the selected second users. The generated responses are transmitted to the first user.

Abstract: The present invention provides a system and method that enables users, such as institutional investors and financial institutions, to interactively engage in capital market transactions, including the trading of Over-the-Counter financial products, via the Internet (including the World Wide Web). The system includes a variety of servers, applications, and interfaces that enable users to interactively communicate and trade financial instruments among one another. Interactive communications supported by the system include: requesting price quotes, monitoring and reviewing quote requests, issuing price quotes, monitoring and reviewing price quotes, negotiation between users, acceptance of price quotes, reporting, portfolio management, analysis of financial information and market data, and communications among users via an automated processor.

Abstract: An electronic trading system utilizes a Match Engine that receives orders, stores them internally, calculates tradable combinations and advertises the availability of real and implied orders in the form of market data. New tradable items defined as combinations of other tradable items may be included in the calculation of tradable combinations. A technique is disclosed for suppression of the calculation and/or subsequent listing of an implied order when the order is either undesired or unnecessary in the market therefore.

Abstract: A system and method for processing of transaction orders includes a strategy matching venue configured to process strategy orders having respective strategies identifying a reference rate or a range of reference rates. Strategy orders are matched to contra strategy orders having a compatible but possibly different strategy. A single match can generate a stream of executions at maximum rate compatible with the strategies for the matched orders. Additional systems operate to generate strategy orders from conventional algorithmic orders and to coordinate filling of the algorithmic order relative to favor filling of the strategy order by the strategy matching venue.

Abstract: Embodiments of the present invention provide a system for building intelligent data communications. The system is configured for performing frequency based extraction of data from at least one entity data source, indexing the data extracted from the at least one entity data source, in response to indexing the data, correlating the data extracted from the at least one entity data source, receiving a data input from a user, in response to receiving the data input, generating at least one data output based on indexed and correlated data, and presenting the at least one data output to the user.

Abstract: Wireless receivers in 5G and 6G are generally configured to discard faulted messages and request retransmission of the entire message. Disclosed is a procedure enabling the receiver to determine which specific message elements are faulted, and then to request only the faulted portion be retransmitted. Substantial time and wasted power can thereby be saved. The receiver can identify the faulted message element(s) by calculating a modulation quality of each message element and specifying only that portion of the message containing those message elements. For example, the receiver can determine the modulation quality by comparing a difference between the message element's amplitude or phase modulation and the closest predetermined amplitude or phase level of the modulation scheme. A deviation larger than a threshold value strongly suggests that the message element is wrong. The SNR and other factors can also be included in a formula to identify faulted message elements.

Abstract: The technology disclosed relates to creation and operation of a marketplace among trusted small and medium sized banks for participation in commercial loans too large for an individual participating bank to undertake on its own. This technology can be applied to formation of other marketplaces in which trust matters and controlled dissemination of opportunity information, as in layers or rounds, proceeds manually. Aspects of the technology disclosed can be used by initiators and participants to syndicate loans once a marketplace is established, whether the market is established applying the technology disclosed or otherwise. This technology also can be applied to syndicate other opportunities or to resell participations in syndicated loans that have closed and been funded.

Abstract: The disclosed embodiments relate to ensuring that a selected value, selected, for example, via interaction with a graphic user interface, of a dynamically changing parameter, such as a price, is used when generating an electronic data transaction request message in a data transaction processing system, such as an electronic trading system. The data transaction processing system being a system in which data items, such as financial contracts, e.g., futures contracts, are transacted or otherwise traded by a hardware matching processor that attempts to match electronic data transaction request messages with electronic data transaction request messages counter thereto for the same one of the data items based on multiple transaction parameters. A selected value is temporarily buffered allowing the represented value to update wherein a subsequently generated transaction may be based on the buffered value rather than an updated value.

Abstract: A device includes one or more NFC chips that are preprogrammed to provide a payee's identification and information for launching any of several P2P cashless payment applications to which the payee is subscribed, to a mobile phone of a payor. When a mobile device of a payor is brought to the vicinity of an NFC chip of the device, the mobile device launches a corresponding P2P cashless payment application. The P2P cashless payment application shows the payee's information and the payor may proceed to make a payment to the payee. The device may include an NFC chip that is preprogrammed to provide the payee's identification and the information for launching a single application on the mobile device of the payor to display the P2P cashless payment applications to which the payee is subscribed. The payor may then proceed to make a payment to the payee using the payor's mobile device.