Abstract: A computer-implemented method and system are provided to utilize machine learning technology to process user financial transaction data to predict a personalized payment screen architecture. A plurality of feature datasets associated with transaction data of a plurality of electronic invoices are obtained by a computing device. Each feature dataset comprises a plurality of features, a payment screen and a payment method configured to be presented on at least one payment screen. The computing device is configured to train a machine learning model with the feature datasets to produce a probability matrix with probabilities of each payment method used to pay the invoices through each payment screen. The computing device may weigh the probability matrix to generate a recommendation matrix and determine a prediction of a payment screen based on the recommendation matrix.

Abstract: An email payment gateway having electronic commerce (e-commerce) system may send advertisement emails to customers that are registered with the e-commerce system. The advertisement emails may include mailto hyperlinks. Each mailto hyperlink may be associated with a product that is being offered for sale, and each mailto hyperlink describes an email message that may be generated when that hyperlink is selected. When a mailto hyperlink is selected, the generated email message may include one or more parameters related to the product associated with the hyperlink, such as an identifier of the product. The generated email message may then be transmitted to the e-commerce system. The e-commerce system may receive the message and, based on the parameters in the received message, execute a transaction to purchase the identified product on behalf of the customer.

Abstract: A system for consolidating and reconciling invoices includes: an input port receiving benefits information related to insurance benefits recipients and invoices from one or more benefits vendors; a rules engine enforcing rules on the benefits information, the rules engine being configured to monitor the benefits information for determining exceptions based on the rules; a processing unit including a consolidation module and reconciliation module; the reconciliation module analyzing and comparing each invoice against the benefits information to detect inaccuracies in each invoice, the inaccuracies being designated as exceptions; and the consolidation module merging the invoices into a single bill. During merging, the processing unit calculates an adjusted invoice amount for the invoice which has the exception and incorporates the adjusted invoice amount into the single bill. An output port transmits the single bill to a client device for making a single deposit of funds to settle the invoices.

Abstract: A Zero Knowledge Proof (ZKP)-based privacy protection method and system for authenticated data in a smart contract wherein initialization is performed. Inputting a security parameter obtains a public parameter. A Data Authenticator (DA) generates a public/private key pair. A key pair is generated using the public parameter and a verification circuit as inputs, the key pair including a proof and a verification key. Authentication on private data of a Decentralized App (DApp) User (DU) is performed using the private key of the DA, and generates a signature. A DU prover terminal inputs private data as an input value and a calculation result and hash value as output values. The DU generates a ZKP using the proof key. A validator verifies whether the ZKP is correct. If verification passes, the calculation result is correct; otherwise the calculation result is wrong. The validator executes a smart contract based on the verification result.

Abstract: According to embodiments of the present disclosure, a method, device and computer program product for job management are proposed. The method comprises: receiving, at a first device, status information of a first job sent by a second device at a first sending time, the first job running on the second device, the status information indicating a completion status of the first job; in accordance with a determination that the status information indicates the first job has not been completed, determining a send distribution period related to at least one second job different from the first job, the send distribution period covering respective sending times when devices running the at least one second job send status information of the at least one second job to the first device; and providing the second device an indication on a second sending time in the send distribution period, to instruct the second device to send further status information of the first job to the first device at the second sending time.

Abstract: A message tracking computing device for identifying anomalous activity in real-time is provided. The message tracking computing device includes a memory in communication with a processor. The processor is programmed to receive a transaction dataset including a plurality of transaction records, each transaction record associated with a payment transaction. The processor is further programmed to compute, for a subset of transaction records of the plurality of transaction records, a normalized velocity score by computing a streaming mean, computing a streaming standard deviation, and computing the normalized velocity score based on the streaming mean, the streaming standard deviation, and a transaction ratio. The processor is further programmed to analyze the at least one computed normalized velocity score to detect anomalous activity, automatically generate an alert message identifying the anomalous activity, and transmit the alert message to a remote computing device.

Abstract: A technique is provided that transforms account number data received from the consumer into one or more forms based on use by specific processes. Further provided is a technique for establishing payees using these account numbers such that remittances can be routed via the most cost effective means, e.g. which remittance processor is determined and/or which processor among internal processors within an enterprise is determined, and such that, when available, electronic bills can be successfully requested for on-line presentation. The technique to transform account number data can be applied by systems in industries other than banking and for account numbers from sources other than a customer.

Abstract: System and method embodiments are provided for using different storage formats for a primary database and its replicas in a database managed replication (DMR) system. As such, the advantages of both formats can be combined with suitable design complexity and implementation. In an embodiment, data is arranged in a sequence of rows and stored in a first storage format at the primary database. The data arranged in the sequence of rows is also stored in a second storage format at the replica database. The sequence of rows is determined according to the first storage format or the second storage format. The first storage format is a row store (RS) and the second storage format is a column store (CS), or vice versa. In an embodiment, the sequence of rows is determined to improve compression efficiency at the CS.

Abstract: A wallet system includes a terminal having a first processor and the first server having a second processor. The first processor is configured to transmit a reloading method registration request to a first server, transmit a reloading request to the first server, and transmit a settlement request to the first server via a terminal of a settlement recipient. The second processor is configured to register a payment method as the reloading method, increase a balance of electronic money in the wallet based on reloading amount information included in the reloading request, and reduce the balance of electronic money in the wallet based on settlement amount information included in the settlement request. The payment method is included in the reloading method registration request.

Abstract: When a loan payment failure occurs, a loan server can retry a payment from a client's financial institution sources rather than immediately charging the client for the payment failure. The payment retry is scheduled on a Friday that is at least three days after the payment failure. If a payment failure from the financial institution sources to the loan server occurs between a Friday and the following Monday the payment retry by the loan server to the financial institution sources will occur on the first following Friday and if the payment failure occurs on Tuesday, Wednesday or Thursday, the payment retry will occur on the second following Friday which is the Friday of the following week from the failure date.

Abstract: Systems, devices and methods for adaptive compression of stored information includes a memory management computing device programmed to monitor a size of a plurality of data structures stored in a data repository. The computing device compares the size of each of a plurality of data structures to a predetermined threshold. When a size of an uncompressed data structure meets the threshold, the memory management computing device calculates a value of a first compression parameter based on a value of a first parameter and a value of a second parameter of each data element of the uncompressed data structure, calculates a value of a second compression parameter based the value of the first parameter of each data element of the uncompressed data structure, generates a compressed data structure based on the value of the first compression parameter and the second compression parameter; and replaces, in the data repository, the uncompressed data structure with the compressed data structure.

Abstract: Blockchain-based methods and devices for pre-exchanging available resource quotas are disclosed. An example of method comprises: selecting, by a management node of a blockchain network, an object node as a pre-exchange node according to a pre-selection rule; determining, by the management node for the pre-exchange node, a resource quota; generating, by the management node, a target smart contract based on the resource quota, wherein the target smart contract is executable to deduct virtual resources corresponding to the resource quota from future increments of virtual resources of the pre-exchange node stored on a blockchain that is on the blockchain network; and storing, by the management node, the target smart contract on the blockchain.

Abstract: A blockchain method generates data on a new blockchain by linking a new block to data on a blockchain including a plurality of blocks linked together each being a set of data containing given information. The blockchain method may further includes: in generating a second block following a first block included in the data on the blockchain, identifying, among branch blocks approved prior to the generating of the second block, one or more blocks capable of being approved in parallel with the first block, and generating and registering, in a memory, the second block following the first block and the one or more blocks capable of being approved in parallel with the first block.

Abstract: The present invention relates to a spare change saving system and a method therefor and, more particularly, to a spare change saving system for enabling a user to save, in an allocated user account of a saving server, spare change remaining after using money, wherein the saving server receives deposit information when the spare change is put into a saving device, the user receives, from the saving server, a saving code corresponding to the deposit information and can save spare change in the allocated user account using the saving code anytime and anywhere, and spare change remaining after using money is saved as cyber money and can be freely converted into the type of currency desired by the user and used in future.

Abstract: The present disclosure relates to systems and methods that use an artificial intelligence (AI) model to generate outputs that can be evaluated to predict which logged entry items match entry request record line items of an entry request record. Additionally, the present disclosure relates to systems and methods for intelligently detecting anomalies within data sets.

Abstract: A plurality of water-related sensors may each include an environmental characteristic detection element, a power source, and a communication device to transmit data associated with water-related data at a site. A water impact data store may contain electronic records associated with prior water-related events at other sites along with water-related sensor location data for those sites, and a third-party information interface may receive third-party information. An enterprise analytics platform may automatically analyze the electronic records in the water impact data store to create a predictive analytics algorithm. The data associated with potential water-related data at the site and the third-party information may then be automatically analyzed, in substantially real-time, using the predictive analytics algorithm, and a result of the analysis may then be transmitted (e.g., to a party associated with the site and/or an on-site water shut-off valve).

Abstract: To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, the electronic device determines a unique transaction identifier for the financial transaction based on financial-account information communicated to the other electronic device. The financial-account information specifies a financial account that is used to pay for the financial transaction. Moreover, the unique transaction identifier may be capable of being independently computed by one or more other entities associated with the financial transaction (such as a counterparty in the financial transaction or a payment network that processes payment for the financial transaction) based on the financial-account information communicated by the portable electronic device.

Abstract: Computer systems and methods for managing resources are described.

Abstract: Systems and methods are provided for automatically making a decision as to whether or not to over an installment payment (IP) option to a customer at checkout at an online retailer for goods or services. The IP decision is made, at least in part, based on the specific product or products being purchased. In some cases, it is also based on merchant-specific information and/or customer specific information.

Abstract: Systems and methods for providing a payment system includes processing, by a first payment service provider device, a payment request received from a user device and associated with a first funding instrument. A payment request failed message associated with the payment request is received. A second funding instrument associated with a second payment service provider device is retrieved. First sub-payment request of the payment request associated with the second funding instrument is processed and a first sub-payment successful message associated with the first sub-payment request is obtained. The payment request is determined to be successful based on the first sub-payment successful message. A payment request successful message is provided to the user device indicating that the payment request was successful.

Abstract: A request for a refund is received relative to a payment transaction implemented in a real-time payment system. The request is transmitted to an issuer financial institution that maintains an account for the payer in the payment transaction. A response is received from the issuer financial institution. The response is transmitted to an acquirer financial institution that provides financial services to the recipient of the payment transaction. A first transfer message is transmitted to the issuer financial institution directing the issuer financial institution to credit a refund amount to the payer's account and to debit a settlement holding account maintained by the issuer financial institution. A second transfer message is transmitted to the acquirer financial institution to debit the refund amount from the recipient's account. The refund amount is settled from the acquirer financial institution to the issuer financial institution via a payment card account network settlement system.

Abstract: One or more implementations of the present specification provide an invoice invalidation method and apparatus based on a blockchain, and an electronic device. The method includes: receiving an invalidation request that is initiated by an invoice invalidation party for a target invoice recorded in the blockchain; in response to the invalidation request, determining whether the invoice invalidation party has authority to invalidate the target invoice; and in response to that the invoice invalidation party has the authority to invalidate the target invoice, invoking an invoice invalidation logic provided in a smart contract deployed in a blockchain network of the blockchain to invalidate the target invoice.

Abstract: A method that can allow for aggregated authentication and authorization of future actions is disclosed. The method may aggregate authentication and authorization based at least in part on automatically and periodically scanning data at a client computer. The client computer can display an aggregated set of deadlines and prompt the user operating the client computer to approve of further actions. Once approved, the client computer can transmit a single authentication message to a service computer in order to initiate a plurality of actions.

Abstract: A computer system and a transaction machine, such as an automated teller machine (ATM), can provide any payor to make a payment to a payee at the transaction machine. The transaction machine provides the payor a user interface to enter a passcode that uniquely identifies the payment transaction. The passcode can be generated by a provider computing system associated with the transaction machine and provided directly to the payee or through the payor prior to the transaction. The transaction machine provides the payor a user interface to enter an amount. The transaction machine also provides the payor the ability to make a payment at the transaction machine using various modes of payment such as cash, credit card, or cryptocurrency. The transaction machine verifies that the payment matches the user selected amount, and sends a payment notification to the payor.

Abstract: A method and apparatus for correcting missing values in data are provided. A method of correcting missing values in basic data according to an embodiment includes a data extraction step, a prediction model configuration step, a first correction step, and a second correction step. The method corrects missing values in data by repeating the steps of generating a prediction model for correcting the missing value and correcting the missing value with the use of the prediction model.

Abstract: In some examples a payment processing system processes transactions between a merchant and customers during a time period, and may determine financing terms including a redemption amount to offset discounts given by the merchant for the transactions during the time period. The payment processing system may identify an amount of the discount given by the merchant to respective customers for the transactions and payment amounts received from the respective customers. In addition, the payment processing system may deposit an amount in an account associated with the merchant. For instance, the amount may be based at least on the redemption amount determined based on the discounts given by the merchant for the transactions during the time period.

Abstract: Some embodiments of the invention provide a convenient system and method of displaying payment device specific functions. In other words, systems and methods are provided that allow different functions to be displayed and used for different payment devices provisioned on a communication device. These embodiments allow users to perform certain allowed functions on one payment device, and other, potentially different functions on another payment device.

Abstract: A computer-implemented method for using network data in an automated delivery system is provided. The method is implemented using a delivery validation server in communication with a memory. The method includes receiving an online order originating from a user computer device. The online order includes a delivery address and network information associated with a wireless network associated with the delivery address. The method also includes configuring a delivery device based on the network information and the delivery address, and receiving a delivery confirmation message transmitted from the delivery device through the wireless network associated with the delivery address. The delivery device is connected to the wireless network based on the network information.

Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for optimizing user experience with respect to sequences of electronic messages to drive user engagement. For example, a method may include determining a set of messages including at least a first message and a second message; transmitting the first and second messages as an initial message to a first plurality of devices and a second plurality of devices, respectively; determining a first and second performance indicator at least based on one or more responses to the first and second messages transmitted as the initial message, respectively; comparing the first performance indicator and the second performance indicator; and sorting a sequence of the set of messages based on the comparison of the first performance indicator to the second performance indicator.

Abstract: ANNOUNCED ROAMING LOCATION (ARoL) SERVICE is a telecom service that permits a better management of received calls when travelling abroad. The ARoL service main idea is to inform a caller—calling an ARoL subscriber—where he is roaming and the local time there. This service is proposed with two levels: Basic ARoL Level—where the caller is simply informed about the country where the called ARoL subscriber is roaming and the local time there. Advanced ARoL Level—where the caller is further offered the option of assuming roaming charges. By offering this service, a Mobile Operator aims further enhancements of its customers' retention and loyalty, and creation of a new revenue stream.

Abstract: The disclosure herein describes scheduling an automatic payment based on a recommended payment schedule that is generated based on a cashflow pattern. Cashflow data associated with a plurality of invoices is received, the cashflow data including data associated with past paid payments, past received payments, accounts receivable, and accounts payable. A cashflow pattern is determined based on the past paid payments and the past received payments. Then, a payment pattern associated with the accounts payable is generated based on the cashflow pattern and the accounts receivable, wherein the payment pattern indicates a pattern of payments that optimizes a net present value of funds associated with the set of accounts payable over an associated period. A recommended payment schedule based on the payment pattern is then provided via a user interface and, based on receiving input in response to the provided recommended payment schedule, at least one automatic payment is scheduled based on the payment pattern.

Abstract: According to some embodiments, an invoice data store contains electronic records for invoices associated with customers and an enterprise, including an electronic record identifier and a set of attribute values. An electronic invoicing system computer server may receive invoice data (associated with a customer of the enterprise) from remote invoice platforms, and the server may create invoice documents in first and second formats based on information in the invoice data store. It may be determined that the invoice documents represent “work in process” and, as a result, the system may prevent the invoice documents from being transmitted to a customer device. An adjustment to the invoice document in an intermediate format is received and the invoice document in at least one of the first and second format is automatically updated. When it is later determined that the invoice documents no longer represent “work in process,” the system electronically transmits the invoice documents to the customer device.

Abstract: Methods and systems are provided for facilitating shared mobile payments. According to an embodiment, a user can initiate a purchase using a mobile device. The mobile device can display a total price for the purchase. The first user can cooperate with one or more second users to share the cost of the purchase. The cooperation can be facilitated via the first and second users' mobile devices.

Abstract: A computer-implemented method performed by a mobile device of a user having a mobile wallet includes: receiving a log-in credential to access a mobile wallet client application; receiving an indication of a default account for mobile wallet transactions through the mobile wallet client application; receiving a credential as part of authenticating a mobile wallet transaction using the default account; generating an optical code for scanning as part of the mobile wallet transaction via the mobile wallet client application, wherein the optical code includes information relating to a geographic location of the mobile device specific to the mobile wallet transaction; and providing a display with a map having an indicator showing the geographic location of the mobile wallet transaction.

Abstract: Various embodiments herein each include at least one of systems, devices, methods, and software for automated session closing upon location-sensed departure. Some such embodiments may be implemented at retail outlets (e.g., restaurants, salons, stores, etc.) to automatically charge a customer account for ordered items upon an automated detection of a customer retail outlet departure. One embodiment, in the form of a method performed on a server-based system, includes receiving, via a network from a mobile device associated with a customer account, first data indicating the mobile device has departed a retail outlet. The method then generates, from stored retail session data, a final bill including an amount payable and then charges an amount payable from the final bill to a payment account associated with the customer account.

Abstract: Examples can include an optimizer that dynamically determines where to place virtual network functions for a slice in a distributed Telco cloud network. The optimizer can determine a slice path that complies with a service level agreement and balances network load. The virtual network functions of the slice can be provisioned at clouds identified by the optimal slice path. In one example, performance metrics are normalized, and tenant-selected weights can be applied. This can allow the optimizer to prioritize particular SLA attributes in choosing an optimal slice path.

Abstract: In accordance with an embodiment, described herein is a system and method for semantic analysis and use of song lyrics in a media content environment. Semantic analysis is used to identify persons, events, themes, stories, or other meaningful information within a plurality of songs. Example use cases include the selection and delivery of media content in response to input searches for songs of a particular nature; the recommendation or suggestion of media content in social messaging or other environments; or the delivery of an advertisement content based on a matching of song lyrics with advertisement topic words.

Abstract: A system and a method are disclosed for generating financial goal packages. Personal and financial information is received from a user. Multiple budgeting strategies are generated based on the received personal and financial information. The budgeting strategies specify an amount of money to be saved by the user every set time period. A selection of a budgeting strategy is received from the user. Multiple goal packages specifying an allocation for the money saved by the user are generated. The multiple goal packages are scored based on the selected budgeting strategy. A goal package is selected based on the scores of each of the goal packages. The selected goal package is displayed to the user via a graphical user interface.

Abstract: A system and method for facilitating electronic commerce over a network, according to one or more embodiments, includes communicating with a user via a user device and an issuer of payment media via an issuer device over the network, the payment media being issued to the user by the issuer, receiving user instruction over the network to link the payment media to a user account related to the user, prompting the user over the network to input a secure password known only by the issuer and the user, receiving the secure password from the user over the network, verifying that the payment media is owned by the user over the network via a secure protocol, returning a response to the user related to verification of the payment media, and storing payment media verification information.

Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Abstract: Various embodiments herein each include at least one of systems, devices, methods, and software for automated session closing upon location-sensed departure. Some such embodiments may be implemented at retail outlets (e.g., restaurants, salons, stores, etc.) to automatically charge a customer account for ordered items upon an automated detection of a customer retail outlet departure. One embodiment, in the form of a method performed on a server-based system, includes receiving, via a network from a mobile device associated with a customer account, first data indicating the mobile device has departed a retail outlet. The method then generates, from stored retail session data, a final bill including an amount payable and then charges an amount payable from the final bill to a payment account associated with the customer account.

Abstract: Systems and methods for virtualizing edge node functionality as a service for handling content delivery are described herein. An edge node receives a packet and determines if it associated with an established session and if it should be offloaded for processing. An offload status indicator and/or session context information can be added to the offloaded packet and it is transmitted to a subsequent edge node.

Abstract: Systems and processes are provided for instantly creating a user account with a payment service provider at a point of sale. The system and processes may include a computerized payment processing system for receiving personally identifiable information from a payment card of a customer provided at a merchant terminal and creating a user account based on the personally identifiable information. A personal identification number (PIN) associated with the user account may be generated and electronically delivered to the customer via an electronic messaging system for verification.

Abstract: Dynamic web content personalization may be used to alter a web page such that two different people who view that web page do not see the exact same content on that page. The present disclosure includes techniques that allow a web page to be structured, via underlying source code, so that content can be dynamically generated based on a user transaction history. Further, dynamic content customization can effectively change the layout and functionality of a web page in ways not previously contemplated. For example, different control elements may become accessible based on a particular contextual user profile assigned to a user based on a transaction history. Modular content modules may also have a different appearance for different users.

Abstract: Systems and methods for operatively coupling a payment card to a customer database are disclosed. A financial institution computing system includes a customer database, a network interface circuit enabling the financial institution computing system to exchange information over a network, and a data circuit. The customer database stores financial information and non-financial information received from at least one merchant computing system. The data circuit receives non-financial information associated with a customer from at least one merchant computing system and updates the non-financial information in the customer database. The data circuit receives a transaction request generated by the customer at a transaction terminal using a payment card corresponding to a payment card account.

Abstract: A method and apparatus for differentiated service offerings based on a geo-location are disclosed. In one embodiment, the method comprises: receiving geo-location information from a plurality of remote devices; generating one or more events in response to determining that the geo-location information for each remote device of the plurality of remote devices indicates that said each remote device has entered or exited one of a set of one or more geo-fences; and triggering an action with respect to said each remote device, the action for managing at least one service for said each remote device based on geo-location of the one or more remotes, including determining a level of service and/or type of service for said each remote based on its respective geo-location.

Abstract: Disclosed are various approaches performing actions on data items in a third-party service with a network-accessible application programming interface from an email client. The email client can perform an action as specified by an email service profile, which specifies how to identify the email message, the data item and how to interact with the network-accessible application programming interface.

Abstract: In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.

Abstract: A system configured for managing a split transaction is disclosed. The system receives a request from a first user device associated with a first user to initiate a split transaction session between the first, second, and third users. A first user device associated with the first user includes second contact information associated with the second user. A second user device associated with the second user includes third contact information associated with the third user. The system receives an API request from the first user device to retrieve a third user profile. The system sends a request to the second user device to retrieve the third user profile. The second user device retrieves the third user profile and sends it to the system. The system retrieves the second and third user profiles and adds them to the split transaction session. The system conducts the split transaction session.

Abstract: A gateway device providing and managing interactive user voice-controlled home automation services over at least endpoint devices associated with the gateway device is described. Interfaces enable communications of the gateway device with at least one endpoint device located within a user premises and data networks. A processor coupled to the interfaces and programming in storage in the server operate a communications program for configuring the gateway to communicate with endpoint devices, associate endpoint devices with the gateway, and communicate with a remote serve to access service management center applications. A home automation control program provides operation via a home automation controller configured in the gateway with voice automation messaging protocols based on the voice commands to enable interactive voice-controlled control of endpoint devices using voice commands and automate functions associated with the endpoint devices.