Abstract: A central database system allows entities to easily manage human resources functions. An entity requests that the central database system executes an employer function on its behalf, and the central database system determines a probability of the entity defaulting before the entity can finalize the employer function with the central database system. The central database system can train and apply a machine-learned model to dynamically determine the default probability for the entity. Based on the default probability, the central database system determines a risk tolerance associated with the employer function and determines whether to process or challenge the employer function based on the risk tolerance and the default probability.

Abstract: A log acquisition method and device, a terminal device, a server and a computer readable storage medium are disclosed. The log acquisition method, which is applicable to the terminal device, includes: receiving a log acquisition instruction sent by the server (S101); establishing a data stream path with the server in response to the log acquisition instruction (S103); collecting real-time log data of the terminal device, and sending the real-time log data to the server through the data stream path (S104).

Abstract: A computer-implemented method includes receiving an electronic enrollment request including identification information associated with a receiving financial institution holding a receiving financial account for a biller. The method includes displaying, on a user interface of a user computing device, an interactive control configured to collect user authentication data for the biller. The user holds an account with the biller. In response to receiving authentication data at the user computing device, the method includes transmitting the authentication data to a remote computing system associated with the biller, causing the remote computing system associated with the biller to generate an authentication token after validating the authentication data, generating a biller enrollment record, the biller enrolment record including the authentication token, and saving the authentication token relationally to information regarding a user and relationally to information regarding the biller.

Abstract: A controlled dispensing system includes a dispensing fixture and a server system coupled to the dispensing fixture and a mobile device via a communication network. The server system receives from the mobile device identification data of a user of the mobile device and verifies an identity or age of the user. In accordance with the verifying of the identity or age of the user, the server system transmits to the mobile device dispense approval data including an indication that the identity or age of the user is verified. The dispensing fixture obtains via an input peripheral a dispense code provided by the mobile device, the dispense code corresponding to the dispense approval data, and in accordance with the dispense code, causes a dispensing mechanism to dispense the controlled product.

Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.

Abstract: Methods and devices are provided for executing a data transfer based on one or more data transfer definitions. A signal representing a data transfer request is received from a first computing device. The data transfer request includes at least an identifier defining what is requested to be transferred. A notification of the data transfer request is sent to a second computing device. An interface including a plurality of interface elements for providing one or more data transfer definitions is sent to the second computing device. The interface includes at least one interface element that is pre-populated based on the data transfer request, and at least one interface element providing an option to define a time of day for a data transfer. The one or more data transfer definitions are received from the second computing device and the data transfer is executed based on the one or more data transfer definitions.

Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.

Abstract: A computer-implemented method for granting a user access to an on-line banking area of a website belonging financial institution responsive to receiving the valid user name and password. The method providing the user with account information regarding checking, savings, mortgage, home equity and/or loan accounts held by the user at the financial institution. The method grants the user access to a request tracking area of the web site of the financial institution, receive request related data from the user, the request related data including data relating to at least one expense or goal, calculate portions of each expense respectively owed by each of a plurality of participants in the request and track whether a participant has paid. The method includes sending a message to at least one participant, the message requesting payment for the portion owed by the participant and receiving the payment from the participant in various payment forms.

Abstract: Methods, systems, and computer-readable media for an e-commerce document framework with cross-source and cross-document validation are disclosed. A document framework system determines a document template associated with a request to generate a document comprising a record of one or more transactions. The document template indicates a plurality of data sources that store a plurality of data elements for the document and a plurality of validation tasks. The document framework system receives the plurality of data elements for the document from the plurality of data sources. The document framework system performs the validation tasks to determine the correctness of the data elements. The validation comprises cross-source validation and cross-document validation. The document framework system generates the document based (at least in part) on the data elements if the validation is successful.

Abstract: Systems and methods for online billpay using credit products are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for online billpay using a credit product may include: (1) receiving, from a customer, an identification of a merchant for online credit-based bill pay; (2) retrieving accepted payment mechanisms from the merchant; (3) selecting a payment mechanism from the accepted payment mechanisms; (4) receiving an invoice for a customer transaction with the merchant from the merchant; (5) conducting a payment transaction with the selected payment mechanism; and (6) charging the payment transaction to a credit account associated with the customer.

Abstract: In accordance with embodiments of the present disclosure, systems and methods for facilitating electronic commerce over a network include generating a transfer code for a client, associating the transfer code to a client account related to the client, providing the transfer code to the client over the network, receiving a fund transfer request from a trusted entity on behalf of the client over the network, the fund transfer request including the transfer code, extracting information from the fund transfer request including the transfer code associated with the fund transfer request, accessing the client account related to the client, extracting information from the client account including the transfer code associated with the client account, and verifying the transfer code of the fund transfer request by determining whether the transfer code associated with the client account matches the transfer code extracted from the fund transfer request.

Abstract: Apparatuses, methods, systems, and program products are disclosed for product order management. An apparatus includes a processor and a memory that stores code executable by the processor. The code is executable by the processor to receive an order for a product from a consumer. The order has a temporal element that begins upon delivery of the product. The code is executable by the processor to receive a notification that the product is delivered to the consumer. The code is executable by the processor to begin the temporal element of the order in response to receiving the delivery notification.

Abstract: Embodiments of the present disclosure provide a money transfer network system that improves the performance of money transfer services provided via the money transfer network system and improves the performance of the underlying devices utilized to provide money transfer services. In particular, disclosed embodiments of a money transfer network system provide money transfer services that enable multiple users to engage in money transfer transactions as either a sending party or a receiving party in a manner that is similar to money transfer transactions executed between two users individually. Disclosed embodiments further enable a receiving party to request payment from a sending party, which may include scheduling recurring payments to be made via money transfer transactions.

Abstract: The disclosed embodiments provide systems and methods for providing real-time warnings to merchants for data breaches. For example, the system may include one or more memory devices storing instructions and one or more processors configured to perform operations consistent with this disclosure. The operations may include collecting and storing transaction authorization requests from one or more merchants. The transaction authorization requests may include a virtual account number associated with an account, the virtual account number being previously bound to a merchant and reusable only for the bound merchant. The operations may further include detecting an event at the bound merchant based on, for example, a transaction authorization request having a mismatch between a transacting merchant and the bound merchant. The operations my further include communicating notification of the event through a communication interface with the bound merchant.

Abstract: Various examples described herein are directed to systems and methods for managing multi-party transactions. A payment management system may receive a premium payment message from a user computing device. The premium payment message may describe a premium payment towards a health insurance policy held by a user of the user computing device. The payment management system may initiate a deposit of the premium payment to a premium account associated with the user. The payment management system may also receive a payment instruction from a payer system of a payer associated with the health insurance policy. The payment management system may select a first patient payment source and initiate a transfer of a payment amount to a provider.

Abstract: Systems for helping a user manage external party-activity software objects by using machine-readable indicia. In one embodiment, an exemplary computer-implemented method may comprise receiving a first request to link a digital profile of the application end user associated with the entity with a third-party entity. In response to receiving the first request, the second request is sent to a second server associated with the third-party entity, and a third request is received from the application end user for accessing at least one user-related external party-activity software object via the first server by using machine-readable indicia.

Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.

Abstract: A method includes receiving a permission request from a user to perform an operation in a computer environment. Data elements of operations previously performed by a plurality of users are received. A set of operation types are generated by identifying data elements of operations previously performed by other users of the plurality of users having operation types performed by the user. The data elements in the set are mapped into a graph database. Permission messages are generated with a correct response identified from a data attribute from a specific operation type previously performed by the user, and wrong responses identified from the specific operation type previously performed by the other users. An accumulated probability based on the permission respond message is computed using the graph database. The user is tagged based on the accumulated probability as a permissioned user for performing the operation, or a non-permissioned violator user.

Abstract: Several credit score management user interfaces that may comprise a credit score thresholds user interface, a credit score alert settings user interface, and several credit score alert notification user interfaces, enable a consumer to set and/or adjust credit score goals and warnings, and credit score alert settings. The credit score threshold visual interface may present one or more credit score thresholds (for credit score goals and/or warnings) for the consumer on a line graph. The consumer may set and/or adjust the credit score thresholds based on touch input. The user interfaces may be updated automatically in real-time in response to the touch input. Alerts may be generated and provided to the consumer based on alert settings, changes to the consumer's credit information, the credit score thresholds, and/or macroeconomic events or factors.

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: An image display device includes a display that displays an executable function, an acceptor that accepts an input of a function to be executed and a setting selectable for the function, a storage that stores history information, the history information being a series of processing details associating the function to be executed based on the input with a setting used when the function is executed, and a controller that causes the display to display a batch button summarizing the series of processing details when the series of processing details satisfies a predetermined execution condition.

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the entails residing in both the sender and recipient email client.

Abstract: A computer server and method for payment processing are described herein. A server has a module for forming an encrypted connection with a payment terminal, and pairs a merchant sales terminal with the payment terminal. Communications between the payment terminal and merchant sales terminal are carried out through the server, which converts messages into the appropriate format for each terminal. After the transaction is carried out, the server returns receipt information to the sales terminal for receipt generation.

Abstract: A system that utilizes a mobile device to facilitate a first transfer of an amount of funds associated with a line of credit to a gaming establishment account and further to facilitate a second transfer of part or all of such an amount of funds from the gaming establishment account to a gaming device, such as an electronic gaming machine or a gaming table component associated with a gaming establishment gaming table.

Abstract: A system includes a memory and a processor coupled to the memory. The processor receives a voice command from a first user to transfer a first amount of data objects from a first data file of the first user to a second data file of a second user. The processor generates a voice signature of the first user and further generates a virtual device in the virtual environment, wherein the virtual device comprises metadata relating to the transfer of the data objects. The processor presents the virtual device and the voice signature to the second user in the virtual environment. The processor receives a selection from the second user of the voice signature and plays the voice signature on a second user device of the second user. The processor receives an acknowledgement from the second user and initiates the requested transfer of data objects to the second user.

Abstract: Provided is a method for operating an authentication server for authenticating a user who is communicating with an enterprise via a network. The method include receiving, via the network, a first authenticator including first information from a low energy wireless device received via a user device wirelessly, and storing the first authenticator. When the authentication service later receives, from the enterprise, a request to authenticate the user, the authentication server transmits an authentication request to the user device via the network requesting that the user read information from the low energy wireless device using the user device. The information received from the low energy wireless device in response to the authentication request is then used authenticate the user by comparing the information received from the low energy wireless device due to the authentication request with the stored first authenticator.

Abstract: Robot access control and governance for robotic process automation (RPA) is disclosed. A code analyzer of an RPA designer application, such as a workflow analyzer, may read access control and governance policy rules for an RPA designer application and analyze activities of an RPA workflow of the RPA designer application against the access control and governance policy rules. When one or more analyzed activities of the RPA workflow violate the access control and governance policy rules, the code analyzer prevents generation of an RPA robot or publication of the RPA workflow until the RPA workflow satisfies the access control and governance policy rules. When the analyzed activities of the RPA workflow comply with all required access control and governance policy rules, the RPA designer application may generate an RPA robot implementing the RPA workflow or publish the RPA workflow.

Abstract: A method and a system for providing event-driven billing that facilitates flexibility and customization for bill generation, payment scheduling, and account reconciliation in relation to consumer financial accounts are provided. The method includes: receiving, from a user, first information that relates to a schedule for generating the bill for the account; extracting, from the first information, at least one criterion for determining the schedule for generating the bill; determining the schedule based on the at least one criterion; and generating the bill based on the determined schedule.

Abstract: Various examples are directed to systems and methods for consolidation application access within a master mobile wallet. The master wallet may be activated using a master password. The master wallet may display a menu of the one or more mobile wallet applications and receive a selection of a particular mobile wallet application to add to the master mobile wallet application. The master wallet may receive a selection to use the master password for activating the particular mobile wallet application. After, the master wallet may receive a selection to activate an added mobile wallet application. The master wallet may activate the added mobile wallet application without requiring user input of an individual password for the particular mobile wallet application during the activating.

Abstract: Disclosed are various embodiments for automated document processing. A linked provider associated with a transaction record is identified. A submission template for the linked provider is then identified, the submission template specifying how to complete a submission using transaction data from the transaction record. Transaction data is then obtained from the transaction record. A submission is then completed based at least in part on the submission template and using the transaction data. Finally, the completed submission is then sent to a provider service associated with the linked provider.

Abstract: The systems and methods described include the ability to store resource transaction information in an immutable and distributed, verifiable fashion. The system includes enhanced means for retrieving, interacting with, and visualizing such information via user interface on a variety of user device types utilizing multiple information communication channels. The system is further configured to intelligently extract and analyze data to provide dispute identification information to an end user and further determine appropriate resolution actions based on historical data and extrapolated pattern identification.

Abstract: The subject technology receives a query, the query including a set of statements, the set of statements including a first statement comprising a first data manipulation language operation. The subject technology determines that the set of statements includes at least one statement defining a first constraint, and a second statement indicating that the first constraint is statement deferrable for performing validation of the first constraint. The subject technology generates a key value constraint check operator as a node in a query plan. The subject technology generates a key value DML operator as a second node in the query plan, the key value DML operator corresponding to the first DML operation. The subject technology performs, using the key value constraint check operator, a validation process of the first constraint based at least in part on a set of violating keys of each DML operation from the set of statements.

Abstract: A transaction is pre-staged by providing transaction preferences, such as a financial instrument, a transaction type, and a transaction amount, to a user device. The user device captures a visual code at a terminal, such as an ATM. The visual code includes terminal attributes, including a signed hash and call-back URI. The user device authenticates the visual code using the signed hash and requests the transaction through the issuer server. The issuer server creates and sends the card data to the call-back URI. The terminal uses the card data to create a transaction request it routes to through its acquirer server.

Abstract: Embodiments described herein disclose methods and systems for authenticating ownership of an account in real-time or near real-time so that a user can fund or open a new account without waiting for several days. The system enables an operator to select one or more methods for authentication from a group of candidate schemes. The candidate schemes include (1) a card-association-network scheme; (2) an account-aggregation scheme; and (3) a credit-bureau-integration scheme.

Abstract: Methods and systems for controlling a view of a virtual camera in a virtual world. A view of user viewing a virtual world may be controlled or changed while accounting for a user's head position. For example, a virtual camera may be wrapped in a container such that rotation of the container causes rotation of the virtual camera relative to a global coordinate system. Based on a position of a head-mounted display, an initial virtual camera rotation angle relative to a global coordinate system of the virtual world may be identified. An indication to change to view to particular direction may be received. A desired rotation angle relative to the global coordinate system for a view to correspond to the particular direction is then determined. The container is then rotated by a rotation value based at least on both the desired rotation angle and the initial virtual camera rotation angle.

Abstract: Disclosed are systems for dynamically routing a luggage item, including a system server for receiving and associating each of a set of unique identifiers of checked-in luggage items, with unique identifiers of their checking-in passengers. One or more luggage identifier acquisition devices, positioned along the routes of an arrival terminal's luggage handling system, acquire and relay to the system server the identifiers of luggage items mobilized through the luggage handling system, as they pass specific luggage identifier acquisition devices. The system server sends a notification to a passenger associated with a luggage item identifier acquired by a specific luggage identifier acquisition device, wherein the notification includes an indication relating to the position of the luggage item along the routes of the arrival terminal's luggage handling system, based on the known position of the specific luggage identifier acquisition device.

Abstract: A method for submission of payment transaction requests from a point of sale (POS) terminal to a financial institution includes reading payment information from a payment vehicle, reading financial institution routing information from the payment vehicle, reading a payment vehicle certificate from the payment vehicle, requesting consumer authentication information from a consumer, and submitting a payment transaction request to the financial institution using the financial institution routing information, a POS terminal certificate, and the payment vehicle certificate.

Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.

Abstract: Systems as described herein may visualization interest charges based on payment options. Transaction information associated with a plurality of recurring payment accounts may be received. A calendar view displaying an aggregated daily balance and an aggregated interest charge may be generated. Upon receiving a transaction request with a transaction amount, a projected aggregated daily interest charge may be generated in real-time. After detecting that the projected aggregated daily interest charge exceeds a threshold amount, an alert associated with the calendar view may be generated to recommend an alternative payment method to a user device.

Abstract: A network computing system to provide an account management service for guiding user actions and providing users with information to facilitate decision making. In providing the account management services, the network computer system makes predictive determinations about the actions of service providers, in connection with specific actions of individual users.

Abstract: A method for determining a hosting device of a network infrastructure of an operator for the installation of a virtualized function. The virtualized function contributes to transmission and processing of at least one item of information relating to a service. The method is implemented by a management entity of the infrastructure and includes: transmitting to a virtualization entity a compatibility request including at least one datum relating to a test of a resource of the hosting device; receiving from the virtualization entity at least one first variable derived from the test, relating to the transmitted datum, executed on the resource; and determining an aptitude of the hosting device to accommodate the virtualized function as a function of the at least one first variable received.

Abstract: Systems including purpose-configured controllers that securely separate—functionally, structurally, or physically—data acquisition, validation, and aggregation operations from data distribution operations associated with completing and distributing an insurance application to insurance carriers.

Abstract: Systems and methods are disclosed for dynamic routing of electronic transactions. One method comprises receiving a request message from a merchant system and determining a routing directive associated with the request message. Upon determining the routing directive, contextual data may be retrieved based on the routing directive. Then, a final destination payment processor may be determined based on the routing directive and the contextual data. The request message may be updated based on the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.

Abstract: A method for accessing an application on a mobile device in the absence of a network connection to a provider of the application, including the steps of presenting an identifier of the application at a user interface of the mobile device when a condition has been satisfied, receiving an input at the user interface requesting access to the application, presenting a license agreement at the user interface specifying a license fee, receiving another input at the user interface indicating user acceptance of the license agreement and fee, executing a pre-settlement action by the mobile device with reference to the license fee, storing information of the license agreement and fee-pre-settlement in the memory of the mobile device, and activating the application for access by the user subject to the license agreement. The condition to be satisfied is determined from a context analysis of actions by or conditions of the mobile device.

Abstract: An integrated backend and dynamic interface system can be provided for handling multiple transaction channels. In one example, a client device can receive a unique identification code corresponding to a guest at a physical location associated with an entity. The client device can forward the unique identification code to a backend system configured to analyze a history of the guest to determine a customized object previously obtained by the guest from the entity. The client device can receive information from the backend system about the customized object and configure a graphical user interface to indicate the customized object. The graphical user interface can also include a graphical option that is selectable by a user for adding the customized object to an object order for the guest.

Abstract: A payment service may receive interaction data from a plurality of entities and analyze interactions to identify one or more interactions eligible for expedited payment. The expedited payment comprises a near real-time transfer of funds to a financial account of an entity. A user interface may be presented via an entity device that includes a representation of the eligible interaction(s). A pop-up window may be overlaid on the user interface that includes a display element selectable to request the expedited payment of at least one of the eligible interactions. Based on receipt of an indication that the entity has selected the display element, an expedited payment may be initiated for the at least one eligible interaction. After initiating the expedited payment in near real-time, a non- expedited payment may be initiated for remaining interaction(s).

Abstract: In an example, a computer-implemented method includes determining a set of permissions that specifies types of account data of one or more financial accounts to share with a third-party, the one or more financial accounts being associated with a user and held by a financial institution, and generating authorization data that authenticates the third-party and authorizes the third-party to access the types of account data specified by the set of permissions. The method also includes transmitting the authorization data to the third-party, receiving a request for authorization that includes the authorization data and a request for account data of the one or more financial accounts that conforms to the types of account data specified by the set of permissions, authorizing the third-party based on the authorization data, and transmitting the account data that conforms to the types of account data specified by the set of permissions.

Abstract: An agricultural system, comprising: an agricultural machine having a communication network; a continuity identification system configured to generate continuity data, the continuity data relating to an operator and a mobile device on the communication network of the agricultural machine; and a control signal that generates a control signal based on the continuity data, the control signal configured to automatically logout the operator from an application on the mobile device when the mobile device is no longer connected to the communication network.

Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via a user interface displayed on a client device, a signal including a request to transfer data; identify, based on the request to transfer data, a particular data record for receiving the data; determine, based on the particular data record, that a real-time transfer protocol is available to complete the transfer; and in response to determining that the real-time transfer protocol is available to complete the transfer, send, to the client device, a signal enabling a selectable option on the user interface to complete the transfer using the real-time transfer protocol.

Abstract: A system for assisting a content consumer to select content services, the system including a processor that is configured to execute a matching algorithm. The matching algorithm comprises interviewing the content consumer for questions in a plurality of categories, determining a point system for answers obtained by the interviewing step, wherein the answers indicate entertainment interests of the content consumer; calculating a service score for each content service based on the point system, wherein the service score indicates an agreement between a content service and the entertainment interests of the content consumer; and selecting a pre-determined number of content services based on the service score.