Abstract: An evaluation device according to the present application includes an acquisition unit and an evaluation unit. The acquisition unit acquires information related to an enterprise among information which is based on user behavior on a communication network. The evaluation unit evaluates credit of the enterprise based on the information acquired by the acquisition unit. For example, the acquisition unit acquires, as the information which is based on user behavior on the communication network, information transmitted from a user in utilization of a service which is provided by various websites and which is related to the enterprise.

Abstract: Systems and methods are presented for providing a psychological analysis of financial products in an investor's financial portfolio. In some example embodiments, a method is presented. The method may include accessing, in a device comprising one or more processors, a psychometric data of a financial product, the psychometric data quantifying a decision-making tendency used in managing the financial product.

Abstract: Methods and systems are disclosed that generate life scores for individuals based on various information associated with the individuals. For example, life scores may be based on data associated with several aspects of the individual's life, such as work, family, hobbies, education, etc. The life scores may be generated in realtime and/or periodically and provided to the individual and/or shared with others in various formats.

Abstract: A communications system enabling a first wireless subscriber in need of an instant credit line to use a creditee module on a portable wireless communication device to request credit from a second subscriber that has available credit at a financial institution. The second subscriber uses a creditor module on their device to generate rules for the extension of a credit line guaranteed by the financial institution of the second subscriber. If the rules are met, a credit authorization code is generated by the system and forwarded to the creditee module of the first subscriber's device such that the code can be subsequently used to complete a transaction initiated by the first subscriber to pay a vendor. The vendor may employ a vendor's module to access the issued credit as prescribed by the creditor module.

Abstract: The system and method allows a vehicle loan organization to generate multiple, customized vehicle loan offers to an applicant for different types of vehicles in an automated fashion. The system and method calculates an acquisition score to better determine the riskiness of offering a vehicle loan to a potential applicant. Additionally, the system and method automates underwriting decisions by automatically approving, denying, or referring vehicle loan applications. For vehicle loan applications that are referred for manual underwriting, the system determines the appropriate credit analyst to use based on the application's complexity, the analyst's expertise, and the analyst's availability. Further, the system uses credit data to calculate a maximum term, amount, and LTV ratio for potential vehicle loans. Also, the system considers the applicant's collateral before approving a vehicle loan. For qualified, approved applicants, the system generates multiple, customized vehicle loan offers for the applicant.

Abstract: An apparatus including an in-network transfer processor configured to receive a transfer request, a sender token, and a receiver token, to identify an institution associated with a sender based on the sender token, and to identify an institution associated with a receiver based on the receiver token. The in-network transfer processor is configured to facilitate an internal transfer to the sender when the sender and the receiver are the same user and to facilitate an internal transfer to the receiver when the sender and the receiver are different users. The in-network transfer processor is configured to facilitate a transfer to the receiver using service network resources when the membership for the institution associated with the receiver indicates an in-network institution and to facilitate a transfer to the institution associated with the receiver using secondary network resources when the membership for the institution associated with the receiver indicates an out-of-network institution.

Abstract: A token-based routing system that includes an out-of-network transfer processor configured to receive a transfer request, a sender token, and a receiver token and to identify an institution associated with a sender based on the sender token. The out-of-network transfer processor is configured to determine a membership for an institution associated with a receiver based on the receiver token. The out-of-network transfer processor is configured to facilitate a transfer from the institution associated with the sender to the receiver using service network resources in response to determining that the membership for the institution associated with the receiver indicates an in-network institution.

Abstract: A computer implemented system and method are disclosed involving technological advancements in the processing of electronic transaction processing results. The system may comprise a computer apparatus implementing a checking account system, a savings account system, a merchant account and investment account on a funds management system, and one or more computer systems and mobile devices including a communication interface, processor, memory storing computer-executable instructions, and savings modules. Reward amounts may be calculated based on various techniques.

Abstract: A payment device and method and system for using the payment device is described capable of utilizing a pre-authorized amount on existing infrastructure, including POS terminals or for using offline pre-paid products on this infrastructure. The updates for the pre-authorized or offline prepaid products can be sent by the issuer and applied by the card contemporaneously with the card's processing of the issuer authentication data but without requiring any additional bytes in the issuer authentication data. The updates performed by the issuer can be larger and more extensive than could be achieved by using any available space in the issuer authentication data.

Abstract: A user conducts activities, such as researching a product online or visiting a store that sells the product. A user then utilizes a risk analysis system to receive and store user activity data for the user's activities. When a purchase attempt is made with the user's financial account, a merchant sends a transaction request to the risk analysis system. The risk analysis system locates a record for the user and determines whether the product is identified in the user activity data. If the product is identified, the risk analysis system provides a risk score to the merchant indicating that the transaction is unlikely fraudulent. Alternatively, identification of the product provides a positive factor among multiple factors considered in a transaction risk analysis. An absence of the product in the activity can be used as a neutral or negative factor among multiple factors considered in a risk analysis of the transaction.

Abstract: Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics.

Abstract: A system and method for identifying incoming ACH transactions involving subscriber accounts at a financial institution, comparing the ACH transaction details with preset notification criteria, suspending any ACH transaction that satisfy the preset criteria so that the transaction does not post to the account, notifying the subscriber of the incoming ACH transaction, providing the subscriber with the option to either authorize or dispute the ACH transaction, and facilitating the dispute process according to applicable banking rules by requesting further information from the subscriber and forwarding the dispute information to the ACH operator.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating and using a block chain distributed network for facilitating the conversion of an instrument into a verified secured instrument. The block chain database comprises a distributed ledger that is updated with resource availability based on database node communication. The resource availability is compared to a distribution amount associated with an instrument presented to a receiver for resource distribution. Prior to resource distribution the block chain distributed network confirms the resource availability and marks the resources as unavailable. As such, the invention converts instrument into a verified secure instrument based on an identification of sufficient resources available in association with the instrument.

Abstract: Systems and methods for alerting a user of deal emails are provided. Emails that contain deals are analyzed to determine which emails will be expiring soon and are of interest to a user. Deal alerts containing hyperlinks to relevant deal emails are sent to the user, and the user can view the deals by clicking on the hyperlinks. If the user decides to delete the deal alert, the deal email is deleted from the user's inbox as well.

Abstract: A method and system for handling data field tasks, the system comprising a database containing records and data fields associated with real estate ownership expense insurance policies that reimburses for increases in property ownership expenses including increases in maintenance fees and assessments from non-covered losses, an underwriting server communicatively coupled to one or more client devices and data sources over a communications network, the underwriting server comprising a processor that configures processes to the data sources and generates data source connections to receive information from the data sources, and a scheduler that allocates threads within the processes to at least one of the data fields associated with premium for coverage, expenses, and reimbursement of the real estate ownership expense insurance policies, and assigns the threads to tasks for performing operations on the at least one of the data fields based on the information from the data sources.

Abstract: A method is disclosed. The method includes receiving transaction data relating to a plurality of commercial transactions conducted by a plurality of buyers and sellers conducting commercial transactions using a transaction processing system, and then receiving a request for transaction information relating to the received transaction data from an entity, wherein the transaction information also relates to a commercial transaction between a buyer and a seller. The method further includes providing the transaction information to an entity, wherein the entity thereafter makes a decision about further interacting with the buyer or the seller.

Abstract: A device for providing hierarchical threat intelligence includes a non-transitory machine-readable storage medium storing instructions that cause the device to receive, a plurality of calculated threat scores for a plurality of threat management devices, wherein the threat scores are respectively associated with context information, determine a first threat scores for a first entity based on a first subset of the calculated threat scores, determine a second threat score for a second entity based on a second subset of the calculated threat scores, receive update information of one of the calculated threat scores of the first subset from a listener of the threat management devices, and update the first threat score based on the update information.

Abstract: A node associated with an organization may receive a storage identifier for new credit data associated with an individual. A distributed ledger and distributed data sources may be used to share the new credit data with a network of nodes. The node may update a smart contract with the storage identifier for the new credit data. The node may receive, from a particular device associated with the organization, a request for the new credit data. The node may obtain the storage identifier for the new credit data from the smart contract. The node may obtain the new credit data by using the storage identifier to search the distributed data sources. The node may provide the new credit data to the particular device. The node may perform actions to obtain additional new credit data from the distributed data sources or provide the additional new credit data to the distributed data sources.

Abstract: A method for treating information technology (IT) risk of an organization including identifying a plurality of IT risks, where each of the plurality of IT risks is based on a known problem and is associated with an IT asset classification and an IT consequence classification, calculating a plurality of IT risk exposure indices, where each of the plurality of IT risk exposure indices is associated with at least one of the plurality of IT risks, adjusting each of the plurality of IT risk exposure indices based on a business impact factor to obtain a business impact index, prioritizing the plurality of IT risks by adjusting the business impact index based on a risk treatment factor to obtain a prioritized risk treatment index, and selecting at least one of the plurality of IT risks for treatment based upon the prioritized risk treatment index.

Abstract: A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective clients, comprising a balance of funds of the client; a distribution percent value, Xi, for tranches; information for each of multiple government backed-insured aggregated time deposit instruments holding a tranche of client funds, comprising: a rate; an identification of the depository institution; a term; and determining a given client available distribution amount, Di; determining an amount of a client tranche to be deposited in each of Ni depository institutions based at least in part on the percentage, Xi, in order that the client tranches are approximately equal and are insured; determining Ni depository institutions to distribute the client tranches; allocating substantially equally respective client tranches to the Ni depository institutions; generating data for instructions to transfer the respective client tranch

Abstract: A streaming video playback system is provided to generate locally a manifest file associated with a streaming video for a media player of a client device. The locally generated manifest file helps reduce startup time for the media player and the manifest file is locally generated based on streaming metadata associated with the streaming video and the manifest files includes HTTP Live Streaming (HLS) based master playlists and media playlists. The locally generated manifest file also provides better adaptive bit rate control by enabling pre-fetching of video segments of a streaming video and caching during playback. The streaming video playback system reduces the size of media playlist transmitted to a content sharing service using index of the last video segment and makes it practical to have DVR-able live video streaming with a larger seek window.

Abstract: Systems and methods are provided for creating and using versions of a shared virtual card. In one example, a system for sharing stored value is provided. The system may include a virtual card manager configured to manage one or more shared virtual cards and a first computing device including a virtual card engine executable by a processor to manage the shared virtual card. The first computing device may be communicatively coupled to the virtual card manager via a network. In the example, stored value of the shared virtual card may be split between a first version and a second version. The first version may receive a first portion of the stored value and the second version may receive a second portion of the stored value; the first version available for use on the first computing device and the second version available for use on a second computing device.

Abstract: Techniques described herein relate to generating and managing digital credentials using a digital credential platform in communication with various digital credential template owners and digital credential issuers. In some embodiments, a digital credential platform server may receive and coordinate requests and responses between the digital credential template owners and a set of digital credential issuers, to determine which digital credential issuers are authorized to issue digital credential based on which digital credential templates. The digital credential platform server may provide the authorized issuers with access to particular digital credential templates and the functionality to issue digital credentials to users based on any of the particular digital credential templates. Additional techniques described herein relate to tracking, analyzing, and reporting data metrics for issued digital credentials.

Abstract: Examples disclosed herein relate to assignment of a machine-readable link to content as a payoff. Examples include acquisition of an email message specifying an external link identifier, and identification of a machine-readable link to which the external link identifier is assigned in a linking service. Examples further include, based on the email message, a linking platform being caused to assign the machine-readable link to content as the payoff for the machine-readable link.

Abstract: Providing a property replacement loan offer to a customer that has lost property in a total loss event where the offer is provided automatically in response to an indication of the total loss event. The invention includes computer-based processes that collect customer-specific data for the customer whose property is involved in the total loss event and using this data to prequalify the customer for the property replacement loan. The processing includes accessing a credit bureau to receive data related to the customer's credit.

Abstract: Systems, methods, and computer-readable media are disclosed for calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period. The second time period may be subsequent to the first time period. The property value data may be processed to identify the first values and the second values, and time intervals between dates of the first values and dates of the second values may be calculated. Value changes of the real estate properties over the time intervals may also be calculated, based on the first values and the second values. A volatility measure for the real estate properties may be determined based on the value changes of the real estate properties over the time intervals, and the volatility measure may be output to a user.

Abstract: According to some embodiments, account information may be received in connection with a potential insurance policy. A premium indication portal processor may receive, from a risk score model application, an account score matrix for the potential insurance policy, including grade values comparing the account information with other insured policies in a risk database, along with a benchmark premium value calibrated to a target return on equity based on the account information and information in the risk database. The account score matrix may be displayed on an underwriter device, and guide indication adjustments may be received from the underwriter device for the potential insurance policy. The premium indication portal processor may then automatically calculate an adjusted premium value calibrated to the target return on equity based at least in part on the guide indication adjustments.

Abstract: Systems, methods, and computer-readable media are disclosed for calculating a housing volatility index. An exemplary embodiment includes accessing stored property value data reflecting first values of real estate properties during a first time period and second values of the real estate properties during a second time period. The second time period may be subsequent to the first time period. The property value data may be processed to identify the first values and the second values, and time intervals between dates of the first values and dates of the second values may be calculated. Value changes of the real estate properties over the time intervals may also be calculated, based on the first values and the second values. A volatility measure for the real estate properties may be determined based on the value changes of the real estate properties over the time intervals, and the volatility measure may be output to a user.

Abstract: Information related to tasks and resources is leveraged in a computer system to assign one or more new tasks to one or more resources. The approach relies upon historical and predictive data associated with the tasks and resources of a system to assign tasks to resources in a manner which seeks to optimize one or more qualities of task handling. Tasks can then be distributed to their respective resources according to a task assignment so that they may be handled.

Abstract: A system, method, and computer program product are provided for a database associating a plurality of device vulnerabilities to which computing devices can be subject with a plurality of remediation techniques that collectively remediate the plurality of device vulnerabilities. Each of the device vulnerabilities is associated with at least one remediation technique. Each remediation technique associated with a particular device vulnerability remediates that particular vulnerability. Further, each remediation technique has a remediation type are selected from the type group consisting of patch, policy setting, and configuration option. Still yet, a first one of the device vulnerabilities is associated with at least two alternative remediation techniques.

Abstract: Systems, methods, and computer program products are provided for creating and using a common, generic, data/object model to represent information grids or lookup tables, such as a mortgage asset pricing information grid, mortgage asset re-pricing grid, and credit risk pricing grid. The common model allows a common software representation for logically different attributes.

Abstract: The program controls access to data objects stored on a tangible device of a computer system within an enterprise. A user request to access a data object identifies a user role by looking up the user identification in an enterprise directory. The program determines whether the role of the user is permitted access to a system and also determines a risk score representing a risk of dissemination of the requested data object. The program compares the risk score of the requested data object to a pre-configured threshold value of the requested data object and controls access to the requested data object, based on the role of the user, and the risk score associated with the risk of disseminating the requested data object.

Abstract: A system, method, and computer program product are provided for a database associating a plurality of device vulnerabilities to which computing devices can be subject with a plurality of remediation techniques that collectively remediate the plurality of device vulnerabilities. Each of the device vulnerabilities is associated with at least one remediation technique. Each remediation technique associated with a particular device vulnerability remediates that particular vulnerability. Further, each remediation technique has a remediation type are selected from the type group consisting of patch, policy setting, and configuration option. Still yet, a first one of the device vulnerabilities is associated with at least two alternative remediation techniques.

Abstract: Techniques for estimated compound probability distribution are described. An apparatus may comprise a configuration component, perturbation component, sample generation controller, an aggregation component, a distribution fitting component, and statistics generation component. The configuration component may be operative to receive a compound model specification and candidate distribution definition. The perturbation component may be operative to generate a plurality of models from the compound model specification. The sample generation controller may be operative to initiate the generation of a plurality of compound model samples from each of the plurality of models. The distribution fitting component may generate parameter values for the candidate distribution definition based on the compound model samples. The statistics generation component may generate approximated aggregate statistics. Other embodiments are described and claimed.

Abstract: Computer-implemented methods and systems for processing of online payment transactions are provided. An example method comprises registering a merchant with a payment service to create a merchant account and registering a user with the payment service to create a user account. The merchant can registers an entitlement with the payment service to receive a payment service entitlement identifier. A payment request associated with the entitlement is received from a user. The payment request includes the entitlement identifier associated with the payment service or with the merchant and a payment amount. A database is queried to validate the entitlement identifier and a price and, upon successful validation, the user account is credited with purchasing the entitlement, and the payment amount is transferred from the user account to the merchant account.

Abstract: A method and system for forecasting the conditions of locations is provided. The method includes receiving in real time from a user in a specified location, a specified future timeframe associated with a future condition of the specified location. Multiple condition data sets associated with an element of the specified location are simultaneously retrieved and a best fit polynomial equation associated with predicting a future condition of the element is selected. Condition score values associated with future conditions of the element are calculated. An overall condition score value associated with an aggregation of individual condition score values is calculated and presented.

Abstract: A system, method and computer program product for receiving information relating to a financial account of an individual from at least one first data provider; receiving information relating to at least one of an identity theft expense reimbursement insurance policy of the individual, a public information relating to the individual, an identity theft risk score of the individual, a credit card registry of the individual, a backup data relating to the individual, a background information of the individual, and a business report relating to the individual, from at least one second data provider; and preparing a report relating to the individual's identity theft based on the information.

Abstract: A method and system of controlling telephony sessions, the method comprising the steps of providing a platform server operated by a service provider, the platform server programmed to perform the steps of, providing an interface for use by a developer associated with a first client for specifying at least one interactive telephony (IT) application in a scripted language that includes application program interface (API) extensions associated with different IT functions, receiving input via the interface selecting and ordering the IT functions to specify at least a first IT application, storing the at least a first IT application in a database, receiving a call from a first customer, running the first IT application to elicit information from the first customer independent of the first client and in response to input received from the first customer, linking the first customer to a specific phone extension associated with the first client.

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: A set of attributes of a particular asset of a computing environment is identified that are determined from data collected by one or more utilities in the computing environment. A criticality rating is automatically determined for the particular asset based at least in part on the set of attributes. A security activity is caused to be performed relating to the particular asset based on the automatically determined criticality rating of the particular asset.

Abstract: A method of using an interactive voice response system, the method including: from a trunk interface, receiving an inbound communication from a caller, the inbound communication received at the interactive voice response apparatus; at the interactive voice response apparatus, receiving a number associated with the inbound communication, the number indicative of a location of the caller; playing, as at least one interactive voice response by the interactive voice response apparatus, a recorded message to the caller; querying a memory containing call referral data for each of a plurality of services, using the number, to obtain a phone number for one of the services associated with the location of the caller, the querying carried out by the interactive voice response apparatus; and connecting, by the interactive voice response apparatus, the inbound communication to an outbound communication line to connect the caller with the phone number for the one of the services associated with the location of the caller.

Abstract: A system and method for preventing illicit use of a telephony platform that includes enrolling a plurality of accounts on a telecommunications platform, wherein an account includes account configuration; at a fraud detection system of the telecommunications platform, receiving account usage data, wherein the usage data includes at least communication configuration data and billing configuration data of account configuration and further includes communication history of the plurality of accounts; calculating fraud scores of a set of fraud rules from the usage data, wherein at least a sub-set of the fraud rules include conditions of usage data patterns between at least two accounts; detecting when the fraud scores of an account satisfy a fraud threshold; and initiating an action response when a fraud score satisfies the fraud threshold.

Abstract: An electronic device for receiving an account identifier is described. The device includes display; one or more processors; and memory storing one or more programs. The device displays a user interface that includes an area for receiving an account identifier and a first set of candidates for a first set of characters. The device detects a selection of a first candidate of the first set of candidates. In response, the device displays characters in the first candidate in the area. The device, subsequent to detecting the selection of the first candidate, receives a manual input of each character in one or more sets of characters; and displays, in the area, characters in the one or more sets of characters concurrently with at least the characters in the first candidate. A corresponding method and a computer readable storage medium storing one or more programs for execution by the electronic device are also described.

Abstract: A dynamic computer system assists users in selecting insurance coverage types and levels appropriate for their present financial circumstances. The computer system includes a graphical user interface (GUI) representative of a user's financial data and coverage recommendations. The system may further access third party data to validate and enrich coverage determinations.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for order routing. One of the methods includes receiving a request for quote from a user, the request for quote indicating that the first user is to be anonymous during the negotiation. The method also includes selecting counterparties to receive the request for quote. The method also includes sending the request for quote to the selected counterparties absent revealing the identity of the user. The method also includes receiving prices from the counterparties, each price associated with a counterparty. The method also includes presenting the prices to the user.

Abstract: A system and method of supporting controlled access to multimedia information and media-related services via a broadband access gateway is disclosed. A plurality of user manageable tiers of access privilege may be implemented by the broadband access gateway, that may support communication using, for example, a wireless personal area network and a broadband network. A different degree of user authentication and/or identification may be established for each of the tiers, and users may be restricted in their access to multimedia information and services by their current tier of access privilege. The multimedia information and services may be provided by a variety of access devices via the personal area network, and from providers accessible via the broadband network connected to the gateway. Examples of access devices include mobile multimedia handsets, personal digital assistants, personal computers, digital cameras, and printers.

Abstract: Methods and systems for an exchange to handle variable derivative product order prices are disclosed. The price of a derivative product order (bid or offer) is updated based on changes in the price of a related underlying product. Price determination variable(s), such as delta and gamma, are used to determine the price of the order. The exchange may periodically recalculate the price without requiring the trader to transmit additional information to the exchange.

Abstract: A state of network connectivity of a network interface can be determined by transmitting, via a network interface, requests having respective destinations. A computing device can determine that respective results corresponding to the requests include at least some inconsistent results. A further request can be transmitted having a respective destination. A state of network connectivity of the network interface can be determined based at least in part on a result corresponding to the further request and at least one of the inconsistent results. Destinations can be selected based on respective priority values. An indication can be transmitted of a destination that does not correspond to the state of network connectivity.

Abstract: A data distribution system, method and a computer program product therefor. Computers provisioned with operations centers supporting individual locations share resources with organizations in multiple locations. Each operations center receives and evaluates local information for the supported location and selectively provides evaluated information for reuse by other locations. A data exchange agent in each operations center publishes information available from a supported location to a publication subscription unit. The operations center also subscribes to the publication subscription unit for information available from other locations. The publication subscription unit identifies matches between subscriptions and publications. A negotiation unit negotiates matched information transfers between operations centers.

Abstract: Credit utilization of a plurality of credit lines associated with a consumer may be stored and/or determined for multiple points in time. Credit utilization at each point in time may be used to indicate a relationship between a total credit limit and an available credit amount for respective credit lines at respective points in time. A computer system may determine one or more thresholds for respective credit lines, which may indicate levels at which a credit score of the consumer may be affected by credit utilization above the respective thresholds. The levels at which a credit score of the consumer may be affected may be determined based on information accessed from one or more credit bureaus and one or more credit score formulae used by the one or more credit bureaus.