Abstract: Computer-based natural language understanding of input and output for a computer interlocutor is improved using a method of classifying conversation segments from transcribed conversations. The improvement includes one or more methods of splitting transcribed conversations into groups related to a conversation ontology using metadata; identifying dominant paths of conversational behavior by counting the frequency of occurrences of the behavior for a given path; creating a conversation model comprising conversation behaviors, metadata, and dominant paths; and using the conversation model to assign a probability score for a matched input to the computer interlocutor or a generated output from the computer interlocutor.

Abstract: Disclosure includes selecting a merchant from a plurality of merchants, enabling a trial mode for the merchant, during the trial mode, receiving an indication of a first order for the merchant, forwarding the indication of the first order to the merchant, allocating a first payment for the first order to the merchant, requesting an acceptance of a membership status from the merchant, and receiving an indication of the payment for the first order.

Abstract: Systems and methods are disclosed for settling futures contracts that are based on virtual currencies. A clearing counter-party operates a clearing counter-party computer that may oversee physical delivery of virtual currency between a buyer and seller. The clearing counter-party computer does not take possession of the virtual currency and monitors a publicly viewable ledger to confirm that transactions have taken place.

Abstract: Systems and methods are provided for credit dispute processing, resolution, and reporting. Credit dispute resolution requests may be received, processed, and sent to a credit bureau for submission to creditors. Status of credit dispute resolutions may be reported to consumers. If a creditor's response time is longer than its average response time or if a creditor does not respond to a credit dispute resolution request within a regulatory response period, alerts and reports may be sent to consumers to provide consumers with further options.

Abstract: Certain embodiments provide a block placing tool for building a user-defined algorithm for electronic trading. Certain embodiments provide for receiving by a block placing tool a selection of one or more blocks. Certain embodiments provide for receiving by a block placing tool a mapping definition including a mapping between block types and/or attributes. Certain embodiments provide for placing blocks based on a selection of blocks and a mapping definition.

Abstract: Systems and methods for digital property collateral protection are disclosed. For example, a pre-underwriting analysis may be performed to ascertain the quality of a given borrower and the intellectual property associated with the borrower. If the borrower passes the pre-underwriting analysis, an underwriting analysis including an intellectual property valuation may be performed. If the borrower passes the underwriting analysis and the terms of a loan and insurance policy are otherwise agreed upon, a lender may issue a loan to the borrower with the intellectual property as collateral, and an insurer may issue an insurance policy to the lender to insure against covered events.

Abstract: A system and method for remunerating a display of a cognate substitute image sequence is disclosed. Images sequences in received video content are examined for sequences that are cognate to known image sequences. When detected, such sequences are replaced with cognate substitute image sequences to create a modified video image stream that is displayed on a display screen. A reasonable remuneration for displaying the cognate substitute image is automatically calculated. This monetary charge reflects the nature of the image sequence, the time it was displayed for, the time at which was displayed and the number of electronic devices within viewing range of the display at the time of display. This remuneration is accumulated, and equivalent digital assets automatically transferred between client and provider accounts at an appropriate time.

Abstract: Placing an event into a particular cluster can allow various inferences about the event. A new payment transaction that looks similar to a previously identified cluster of mostly fraudulent payment transactions, for example, may be higher risk. The present disclosure includes structural data improvements to the way that online clustering of events (which may include web events and not just payment transactions) occurs. A new event can be classified into a particular segment very quickly using feature table searching, which can allow for better decision making when a short timeframe is required (e.g. transaction processing, online advertising, etc.).

Abstract: A system, method and computer program product for computer based open innovation, includes an asset valuation device receiving asset information regarding one or more tangible or non-tangible assets, and generating a valuation signal, based on the asset information; a self-executing code device receiving the valuation signal, and generating a self-executing code signal, based on the valuation signal; an air router device having both a low band radio channel, and an internet router channel for redundant internet communications, and a malicious code removal device for scrubbing malicious code from data received, receiving the valuation signal, and generating a node voting request signal, based on the valuation signal; and a mesh network having a plurality of node devices receiving the node voting request signal, and generating vote confirmation signals, based on the node voting request signal.

Abstract: In one aspect, a method for managing a patient-provider relationship, includes the step of providing a tiered structure for patient specific financial support. The method includes the step of providing a tailored patient financial workflows for pre-care financial commitment, approvals and post-care claims adjudication. The method includes the step of providing a multiple financial support options ranging from one off patient payment commitments, revolving options for multiple commitments or a fixed monthly amount determined by the patient. The method includes the step of providing a unified master servicing agreement that coordinates and manages the patient support experience and integrates the often-disparate servicing aims for payers, providers, credit underwriters.

Abstract: This invention provides a distributed energy transaction matching method based on energy network constraints and multiple knapsack model. First, it considers the matching between financial market transactions and actual energy network scheduling, then generates security constraints on the results of distributed transactions. Next, it designs a multiple knapsack model for peer-to-peer distributed transactions, which can meet the common quotation needs of users or producers who issue transactions and achieve efficient matching under energy network security checks. Finally, the model is verified based on the blockchain Ethereum smart contract test verification. This method provides new ideas for the connection between distributed energy trading and actual physical dispatch, proposes an inclusive and efficient matching model for the point-to-point distributed trading market, which has great reference value for the connection between distributed energy trading and actual conditions.

Abstract: Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.

Abstract: A computer implemented method for aggregating quantities associated with messages includes: generating an implied message for an object based on two constituent messages, wherein the implied message is associated with a value based on the values of the constituent messages, a priority that is equivalent to the lower of the priorities of the constituent messages, and a quantity that is equivalent to the lesser of the quantities of the constituent messages, receiving third and fourth messages, increasing the quantity of the implied message based on the received messages, and upon an occurrence of a match event involving the implied message, automatically allocating all of the quantity of the implied message for matching during the match event before allocating any of the quantity associated with the third message for matching during the match event.

Abstract: A method for providing a content using the first screen of a portable communication terminal is provided. The method comprises the steps of: registering a first content as a content of interest; and providing a second content in the first screen displayed on a display unit when the communication terminal is switched from an inactive state to an active state. Here, the second content, which corresponds to a content related to the first content, is determined on the basis of the first content.

Abstract: Methods, systems and computer-readable storage media disclosed herein provide visual depictions of warnings and errors. An example method includes detecting, using a computing device, a change in a design of a trading algorithm. The trading algorithm is defined by a user-specified arrangement of blocks representing trading functionality. The example method includes determining, using the computing device, whether the trading algorithm complies with a trading algorithm rule. The example method includes facilitating, using the computing device, at least one of warning handling or error handling when the trading algorithm does not comply with the trading algorithm rule. Facilitating warning handling or error handling includes displaying a warning or an error to the user in connection with the trading algorithm before the trading algorithm is available for execution.

Abstract: In some embodiments a distributed computing system is provided that includes a plurality of different feature modules and a matching engine. The different feature modules each provide different processing for handling parent requests and submitting, to the matching engine, commands for child data transaction requests that are associated with the parent request.

Abstract: Disclosed embodiments include computer-implemented methods and systems that permit a market participant to automatically trade a relatively large order block order to accumulate or distribute securities as multiple, relatively smaller, component orders based on order parameters and subject to conditions for the placing and/or execution of such component orders. The component orders may continue automatically, without the need for further intervention from the market participant, until the total quantity specified by the market participant is accumulated or distributed.

Abstract: A computer system is provided that allows participants to submit agent data structures for processing. The computer system performs a dual sided evaluation process to determine when contra-sided agents match with one another.

Abstract: A system and method may determine the carbon emissions risk to an institution through its lending and investment activities to a plurality of counterparties by, for example, determining carbon emissions data for a number of counterparties and, for each counterparty, determining the carbon emissions risk to the institution. A system and method may determine the proportion of total capital of a counterparty that is being financed by a bank, and multiply this by a carbon emissions measure for the counterparty. Embodiments may be applied to determine optimal investment strategies for managing an institution's exposures to carbon risk over time.

Abstract: A computer server may receive an indication of a selected potential relationship and retrieve, from a use case configuration data store, an electronic record for that relationship. The first entity may then construct computer system configurations in accordance with use case parameters. The computer server may be used to evaluate the constructed computer system configurations, and an entity score result for the first entity may be stored into the use case configuration data store. The computer server may also retrieve, from a quality function deployment data store, an electronic record associated with the first entity and update a uniform scoring matrix by assigning weighted score values for the first entity in connection with a set of platform capabilities. An entity selection tool may be executed to automatically select a recommended entity based on the score results and scoring matrixes, and an indication of the recommended entity may be transmitted.

Abstract: A smart order router for quantitative trading and order routing and corresponding methods and computer readable media are described. The smart order router includes a machine learning prediction engine configured to, responsive to a control signal received from an upstream trading engine including at least a maximum quantity value and an urgency metric, process input data sets through one or more predictive models to generate the one or more potential combinations of child orders and their associated fill probability metrics, toxicity metrics, and expected gain (loss) metrics and an order placement optimization engine configured to receive the one or more potential combinations of child orders and their associated fill probability metrics, toxicity metrics, and expected gain (loss) metrics and to identify an optimum combination of child orders that maximize an objective function.

Abstract: Versatile Financial Mechanisms and Transactions Generators and Interfaces (VFMTGI) involve the creation of effective apparatuses, methods, and systems for solutions to create and/or leg complex versatile financial mechanisms. The VFMTGI facilitates user removal of significant transactional risk exposure as the methods, systems and apparatuses facilitate user data entry into spreads that represent alternative futures. Aspects of an implementation of the VFMTGI facilitate investor execution and completion of multiple financial transactions, simultaneously, as a single transaction. The methods, systems and apparatuses facilitates simplification of complex transactions.

Abstract: There are described herein methods and systems for managing access rights to events. The access rights are allocated through a two-step process, whereby a first step comprises a real-time bidding procedure and a second step comprises a real-time seat allocation procedure. The system grants to users of successful bids an access right and an opportunity to select a seat for the event in accordance with a priority level associated with the successful bid. The priority level may be time related (selection of a seat before users having a lower priority level), seat-category related (selection of seats in a higher seat category than users having a lower priority level), or both, and is set in accordance with a monetary value associated with a given bid.

Abstract: A computer-implemented method comprising receiving a set of rules that define assigning tax codes for a first entity based on a plurality of parameters, and storing the set of rules in a first data repository in association with an entity record of the first entity; receiving invoice data that defines an invoice directed to the first entity; automatically determining a commodity type applicable to the invoice data by digitally cross-referencing line items in the invoice data representing goods or services to community transaction data stored in a second data repository, the community transaction data comprising a plurality of different line item data for different invoices of other entities different from and unrelated to the first entity; automatically assigning tax codes to the invoice data based on the commodity type and the set of rules; and causing to display the commodity type and the tax codes in a graphical user interface.

Abstract: The disclosed systems and methods make derivatives contracts based on an underlying virtual currency available for trading. Certain derivatives contracts have a settlement value based on the transaction fees associated with recording and/or performing transactions for the selected virtual currency. The contracts can be used, for example, by virtual currency miners against certain risks associated with mining virtual currency.

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: Disclosed herein are an apparatus, non-transitory computer readable medium, and method for minimizing network traffic and maintaining synchronous state information between systems.

Abstract: Systems, apparatuses, processes, methods, and operations for enabling an observation campaign to be defined and executed. As part of that design and execution, a user's or prospective user's rating may be accessed and used to decide whether to make a specific opportunity or set of opportunities available to a specific user, and/or to process the data received from a certain user in a certain way.

Abstract: A system and method for facilitating goods or service related activity is disclosed. The system for facilitating goods or service related activity may comprise a database storing goods or service related information which is provided by at least one provider; and a processor operable to receive a request associated with the goods or service related activity from a requester; wherein the processor is operable to analyse a plurality of routes that the at least one provider can provide the goods or service to the requester, using the goods or service related information, in order to select at least one route among the plurality of routes; and match the requester with a provider associated with the selected route.

Abstract: Some aspects provide: analyzing data exchange database records of a first entity; determining a sector with which the first entity is associated by at least one of the analyzing and first entity input identifying the sector; analyzing data exchange database records of second entity(ies) different from the first entity to determine which involve other entities associated with the sector; analyzing the records of the other entities associated with the sector; determining a benchmark index for the sector and an index for the first entity based on factor(s) of the other entities and the first entity; comparing the first entity index to the sector benchmark index and ranking the first entity against the other entities based on the comparing; determining a level of risk for the first entity based on the rank; and determining an amount of a contribution to the first entity based on the level of risk.

Abstract: In various embodiments, methods and apparatuses for generating and operating a swaps execution facility (SEP) compliant swaps trading platform comprises (i) generating a swaps trading platform, where the generated swaps trading platform is configured to operate in accordance with a plurality of predefined rules associated with swaps execution facility (SEP) requirements; (ii) establishing one or more communication channels with respective one or more clearinghouses for transmission of clearinghouse information concerning one or more trade requests; and (iii) establishing one or more communication channels with respective one or more swaps data repository (SDR) providers for transmission of SDR information concerning the one or more trade requests.

Abstract: In some embodiments a distributed computing system is provided that includes a plurality of different feature modules and a matching engine. The different feature modules each provide different processing for handling parent requests and submitting, to the matching engine, commands for child data transaction requests that are associated with the parent request.

Abstract: A trading platform for transacting financial instruments, and in particular the derivatives having an execution date and a later maturity date. The trading platform combines the advantages of derivatives trading and virtual currency to increase earnings.

Abstract: In an electronic supply chain finance system, a method of enabling a supplier to obtain funds includes receiving information from a buyer defining a payment obligation, receiving an offer to sell the payment obligation, and creating an electronic negotiable instrument on behalf of the buyer as obligor, to the supplier as payee, having a payable date based on a maturity date of the payment obligation and a payment value based on a payment amount of the payment obligation.

Abstract: A method in a database system is disclosed. The method comprises generating a task template object from a platform entity with polymorphic lookup capability that can map to multiple tenant domains wherein the task template object contains one or more task completion storage records for storing task-specific information, converting the task template object into a work-type object by storing task-specific information in the one or more task completion storage records wherein the work-type object comprises a work-type object identifier (ID), a first record for recording the database ID of one or more work order objects mapped to the work-type object, and a first task completion storage record for storing a first type of task-specific information. The method further comprises generating a work order object for a task and providing the work order object with access to the task-specific information by linking the work-type object to the work order object.

Abstract: Methods and servers for generating a modifiable portion of a digital document which has message slots for placement of digital messages are disclosed. The generating being performed during a first selection-round of a plurality of selection-rounds. The method includes, during the first selection-round: providing access to a first combination of originators that are to bid for message slots during the first selection-round. The first combination is selected by limiting (i) the number of originators that are to bid for message slots, and (ii) which combination of originators are to bid for message slots. The method includes acquiring bidding data for the first selection-round. The method includes triggering placement of digital messages in the message slots of the modifiable portion based on the bidding data, and updating data about the first combination of originators for performing a subsequent selection-round.

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: Systems, methods, and computer-readable instructions are configured to calculate an aggregated significance score for consumer goods or website interactions by aggregating historical significance scores and calculating a reference significance score for a benchmark. A relative significance score is derived for each of the consumer goods or website interactions based upon the significance score for each of the consumer goods or website interactions and the relative significance score. A consumer priority index is derived indexed to a relevant measure based on the aggregated significance scores and the reference significance score.

Abstract: An apparatus for providing a bundled set of individually redeemable healthcare services in a purchase data record, determining a Good Faith Estimate (GFE) for the at least one healthcare service of the bundled set, associating the purchase data record with user debt for purchase of the healthcare services, providing a digital health asset token representing the purchase data record identified by and with a unique confirmation number, said purchase data record comprising the associated user debt of the at least one bundled set of healthcare services, and providing marketplace access to the token to finance the debt. The marketplace may use the token for buying, selling or trading the bundled set of healthcare services to finance the debt. The token and a Good Faith Estimate (GFE) may be provided to an Independent Dispute Resolution (IDR) process for resolving a dispute under the No Surprises Act.

Abstract: Data valuation leveraging techniques in a sensor data environment are provided. For example, a method obtains, at a gateway, at least one value computed by at least one data valuation algorithm for at least one sensor data element generated by at least one sensor associated with a set of one or more sensors operatively coupled to the gateway. The method then leverages, by the gateway, the at least one value computed for the at least one sensor data element.

Abstract: Systems and methods for an electronic transaction platform that enables receiving a session request for an electronic communication session over a computing network to facilitate a financial instrument transaction. The electronic transaction platform receives session attributes for the electronic communication session, which define rules and/or permissions. Based on the session attributes, a stack software object is configured for the electronic communication session to control a stack graphical user interface (GUI) during the electronic communication session to selectively operate according to a set of participation levels. An invitee selection list is received indicating selected invitees to participate in the electronic communication session, and the electronic communication session is established based on the stack software object.

Abstract: Systems and methods for determining implied spreads are provided. More particularly, implied spread financial transactions are generated using information from requests for quotes (RFQs). An RFQ processor module may focus the calculations performed by an implied spread determination module. A financial instrument associated with an RFQ may be provided to the implied spread determination module to trigger the determination of whether implied orders exist related to that particular financial instrument.

Abstract: A system is presented for predicting the amount of energy required by a manufacturing plant over a period of time, and then providing a recommendation on the best amount of energy to sell at each period, taking into consideration the energy requirements based on the production schedule, the price of energy, possible penalties for over selling energy, and other factors. A user interface is provided to present relevant information to a user, allow the user to plan the use of energy, and determine the energy offering for sale in each period. Based on a known future production schedule of a steel mill, implementations provide a forecast of electrical energy usage per hour over the same time horizon as the production schedule. Based on the forecast and electricity selling and billing rules, a recommended amount of energy to be sold to the market by the hour is presented with the corresponding offer price.

Abstract: A disclosed system, method and computer readable storage medium includes mechanism for controlling cascade price movements in an electronic trading system. Price limits control the prices at which traders can place orders. An upper price limit prevents traders from placing orders above the upper limit and a lower price limit prevents traders from placing orders below the lower limit. The gap between the upper limit and the indicative marked price as well as the gap between lower limit and the indicative market price is controlled so as to cause a breaking effect on very rapidly changing market price.

Abstract: A method of optimizing transmission of requests for updated content from external data sources includes: storing a data object containing initial content received from at least one of the external data sources and associated with an expiry time; storing a set of optimization parameters; obtaining an instruction to request updated content corresponding to the data object; in response to obtaining the instruction, determining, based on the optimization parameters and the expiry time, whether to request updated content from the external data sources; when the determination is affirmative, transmitting at least one update request to at least one of the external data sources based on the initial content and the optimization parameters; and in response to transmitting the at least one update request, receiving and storing respective sets of updated content from the external data sources.

Abstract: A balance and control system may write a data file transfer confirmation from a transmitter system to a blockchain in response to the transmitter system transmitting a data file to a receiver system with the confirmation including a transmitter system address, a receiver system address, and a first hash of the data file. The system may also write a data file transfer acknowledgement from a receiver system to the blockchain with the acknowledgement including the transmitter system address, the receiver system address, and a second hash of the data file. The blockchain may execute a smart contract to compare the first hash of the data file to the second hash of the data file to identify an out-of-balance file transfer event. A monitoring device of the B&C system may read the out-of-balance file transfer event from the blockchain.

Abstract: Methods and systems are provided that include an order and/or quote engine that automatically adjusts bid, ask, or any other type of order prices to reflect some or all of the costs associated with a trade in an underlying item between a particular party receiving the order or orders accounting for specific costs associated with the party receiving the orders and in certain instances specific costs between the party receiving the order and the party submitting the order.

Abstract: Aspects of distributed ledger technology are leveraged to verify subrogation settlements. In particular, two parties to a subrogation claim provide cryptographic hashes to a subrogation demand smart contract stored at an address on a blockchain. The subrogation demand smart contract determines that the parties have reached an agreement by determining that the cryptographic hashes match. A settlement amount from the subrogation claim may be appended to a set of settlement amounts to determine a net settlement amount to facilitate a single payment between the parties on a periodic basis, such as daily, to alleviate the need for the parties to send or receive a payment for each individual settlement amount.

Abstract: The invention comprises a computer-implemented method and system for controlling an exchange process, such as a loan, conducted between at least two parties via a blockchain such as the Bitcoin blockchain. A method according to the invention may comprise the step of generating a first blockchain transaction which includes a redeem script. The redeem script comprises a cryptographic public key associated with an initiating party and metadata which includes a hash of an exchange-related document; a redeem address; and an amount of digital currency. A second blockchain transaction is generated and published to the blockchain so as to spend the digital currency to the redeem address. This provides the advantage that the further transaction will be publically available and thus detectable by other parties once it has been published. The further transaction can provide the information necessary to trigger a response e.g. an offer from another (responding) party who publishes their response on the blockchain.

Abstract: The systems and methods described herein relate to managing transportation of loads of items within a retail supply chain. A unified load tracking system aggregates information from multiple supply chain computing systems for presentation on a user interface accessible by multiple users. One user interface provide access to a multitude of information that is interconnected by a common, unique identifier for each movement of a load between an origin and destination. A load board is also provided which automates the spot market auction process and load tender process between carriers and a retail enterprise transportation management system.