Abstract: An electronic invoicing system includes an integrated method of searching both purchase order based electronic invoices and electronic invoices not associated with a purchase order or transaction receipt. A portal is provided. The portal has respective views for a supplier submitting purchase order based electronic invoices and electronic invoices not associated with a purchase order or transaction receipt, and a user of an enterprise submitting and/or reviewing electronic invoices. The supplier can search for both purchase order based and non-purchase order based invoices in a single criteria screen and interface in the portal.

Abstract: A user is provided with a GUI that may allow the user to change functionality associated with a non-battery-powered card, a battery-powered card, a payment sticker, or another device (e.g., a mobile telephonic device). Such functionality may cause a network entity to deliver transaction details to a processing facility. The processing facility may scrub personal information from the transaction details and provide sanitized information to third party applications that may utilize the sanitized information for value. An accounting programming language interface is provided to provide control input to a financial management system to provide accounting operations to track financial transactions initiated by third party applications.

Abstract: The disclosure herein describes systems and methods for object data storage. In some examples, the method includes generating a profile for an object in a directory, the profile including a first feature vector corresponding to the object and a global unique identifier (GUID) corresponding to the first feature vector in the profile; generating a search scope, the search scope including at least the GUID corresponding to the profile; generating a second feature vector from a live image scan; matching the generated second feature vector from the live image scan to the first feature vector using the generated search scope; identifying the GUID corresponding to the first feature vector that matches the second feature vector; and outputting information corresponding to the object of the profile identified by the GUID corresponding to the first feature vector.

Abstract: A method can include receiving a first request from a third party computing system. The method can include generating a passcode based the first request. The method can include transmitting the passcode to the third party computing system. The method can include receiving a second request for payment of a bill. The method can include generating a user interface to receive a passcode input and a cash deposit selection. The method can include receiving the passcode input and the cash deposit selection. The method can include receiving a user selected payment amount. The method can include initiating a cash deposit mechanism. The method can include receiving cash from the third party customer. The method can include counting the cash. The method can include determining that cash matches the user selected payment amount. The method can include transmitting a notification to the third party computing system.

Abstract: A method for identifying a funds transfer opportunity in an electronic media accessed by a mobile device may include monitoring the electronic media for the funds transfer opportunity, identifying the funds transfer opportunity in the electronic media, and outputting indication for the funds transfer opportunity in the electronic media. The method may further include receiving confirmation to instantiate a funds transfer based on the indicated funds transfer opportunity on the mobile device and instantiating the funds transfer based on the received confirmation.

Abstract: The validity of a mail item containing a monetary solicitation is determined. An image is received of the mail item and the image is analyzed to identify a plurality of data fields within the mail item. The validity or invalidity of the data within each of the plurality of identified data fields is then established, and a user-interactive image overlay is generated for the image of the mail item that includes a validity indicator for each of the plurality of identified data fields. The validity indicator is representative of the validity or invalidity of the data within each of the identified plurality of data fields. The user-interactive image overlay is sent to a user device to display the image of the mail item.

Abstract: A method, including receiving, from a consumer, a client device identification though an application running in a client device, is provided. The method includes matching the client device identification with a loyalty card for a retail store, identifying a shopping history for consumer, associated with the retail store, in a database, based on the loyalty card, and requesting, through the application, an information from consumer, based on the shopping history. The method further includes verifying the identity of consumer when at least a portion of the information matches the shopping history associated with the retail store, for consumer, and providing an offer to consumer, through the application running in the client device, of a product in the retail store. A system and a non-transitory, computer readable medium storing instructions to perform the above method are also provided.

Abstract: A labor marketplace exchange (LME) computing system and method are provided. The LME computing system communicates with communications devices of service providers and service users. The LME computing system receives service provider profile data from the service providers. Service users can submit service queries to the LME computing system. Based on the parameters of the service query, service providers are identified by the LME computing system. A service request is then sent to a service provider identified by the LME computing system and selected by the service user.

Abstract: In some examples, a payment processing system may receive an indication of a transaction between a customer and a merchant. The payment processing system may generate a notification indicating completion of the transaction between the customer and the merchant. Further, the payment processing system may transmit the notification to a device associated with the customer. For instance, the notification may include an offer for the customer to receive financing from the payment processing system for the transaction or a future transaction. The payment processing system may receive an acceptance of the offer to receive financing, and may transmit an instruction to cause a financed amount to be provided according to the acceptance of the offer.

Abstract: Systems, computer program products, and methods are described herein for the parallel testing of multiple data processing channels. The present invention may be configured to generate a data packet, send the data packet to a processing channel for processing at a send time, receive the processed data from the processing channel at a return time, determine the percent accuracy for the processed data from the processing channel, and record the send time, return time, and percent accuracy in an analytics system. The present invention may also be configured to determine the security of the processing channel and record the security in the analytics system.

Abstract: In one embodiment, a method includes receiving user identifying information in association with a checkout request for an order. The method includes determining that a user account with a transaction processing system associated with the user identifying information does not exist in a database associated with the transaction processing system. The method includes, subsequent to determining that the user account associated with the user identifying information does not exist, receiving payment information for the order from the user. The method includes concurrently receiving an order confirmation and authorization to create a new account with the transaction processing system corresponding to the user identifying information. The method includes facilitating authorization for the order. The method includes storing the received payment information in association with the user identifying information in the database.

Abstract: A real-time system and method for invoking a fraud alert notification to a bank prompted by an abandoned deposit following a denied accelerated funding request for a financial item.

Abstract: A method is disclosed. The method includes receiving, by a second entity computer associated with a second user from a first entity computer associated with a first user, a push transaction message comprising a value and link data for a transaction. The method also comprises transmitting, by the second entity computer to a directory computer in communication with a database storing supplemental data associated with the transaction and other transactions, a request for the supplemental data associated with the transaction, the request comprising link data. The method also includes receiving, by the second entity computer, the supplemental data from the directory computer, and providing, by the second entity computer to the second user via a second user device, the supplemental data along with a notification of an action caused by the push transaction message.

Abstract: An information processing system includes at least one information processing apparatus. The information processing system includes circuitry that outputs a list of ledger sheet management information items to a terminal apparatus. Each of the ledger sheet management information items is extracted from a ledger sheet recognition result of ledger sheet recognition executed on ledger sheet image data of a ledger sheet. Based on a combination of ledger sheet management information items included in the list of ledger sheet management information items and identified as meeting a certain condition, the circuitry causes the terminal apparatus to display a preview screen including respective preview images of a plurality of ledger sheet images corresponding to the ledger sheet management information items included in the combination of ledger sheet management information items.

Abstract: Disclosed are systems and methods for performing distributed, keyless authorized electronic transactions. The disclosed systems and methods provide an electronic transaction framework where hardware and/or software devices can be used to authenticate users and/or authorize transactions involving such users. The disclosed framework operates as a distributed system in that it can be built without an entity that all parties must trust. The framework relies entirely on one-way functions and avoids using both symmetric and asymmetric cryptography; therefore, the framework does not have secret keys that can be compromised. The framework provides a distributed, electronic authorization system that does not require a reference clock to which components are synchronized, thereby enabling dynamic, agile authorization with improved security for user and transactional data.

Abstract: A computing system that determines employee and organizational compliance includes one or more databases that store organizational data and one or more processors to execute instructions to perform various operations.

Abstract: Systems and methods for digital integration of financial features between a user and a service provider is provided. For example, if a user device is registered with the service provider, the user device may receive an electronic notification (e.g., calendar entry) related to outstanding account operations. The user device may be able to complete the outstanding account operations by accessing the electronic notification and embedded financial information.

Abstract: A certificate authority service receives a request to issue a short-duration digital certificate usable for authentication of a server of an entity. The request includes a long-duration digital certificate that is not usable for authentication of the server of the entity, the long-duration certificate being usable for validation purposes between the entity and the service. The service determines whether to issue the short-duration digital certificate based on a validity period that is specified in the long-duration digital certificate. Based on the determination, the service issues the short-duration digital certificate that includes a shorter validity period than the long-duration digital certificate. The short-duration digital certificate may enable a client to authenticate the entity and securely communicate with the entity.

Abstract: Systems, methods, and apparatuses for providing cash back to a customer from a linked ATM after a purchase transaction are described herein. A customer initiates the transactions using a payment check. A cash back amount is determined and an authentication passcode is created. Cash back information is then transmitted to the linked ATM. The cash back information includes the cash back amount and the authentication passcode. The authentication passcode is then provided to the customer. A cash back transaction is then authenticated using the authentication passcode, and the customer is provided with the cash back amount from the linked ATM.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a PIN to a payment processing network server computer. The payment processing network server computer may then determine which of a plurality of authentication processes to initiate.

Abstract: A facility for retrieving content. The facility invokes an API, as part of the invocation passing to the API: (1) information identifying one or more units of content to return; and (2) an indication that an entity on behalf of which the invocation is performed attests that the entity is compliant with a license that applies to the identified units of content. The facility receives a response to the API invocation that contains the identified units of content.

Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Abstract: The present disclosure generally relates to systems and methods that intelligently generate reassignment value conditions for reassigning access rights. The systems and methods include executing a trained contextual machine-learning model to generate predictions of value components of the reassignment value condition, which once satisfied, enables an access-right requestor to have an assigned access right reassigned to the access-right requestor.

Abstract: A computer-implemented method of completing a transaction comprises receiving, by one or more processors, a request to complete a transaction between a third party and a third party customer. The method comprises providing a first user interface to the third party customer via a customer device associated with the third party customer. The first user interface comprises a plurality of payment options to complete the transaction. The method comprises receiving a selection of one of the plurality of payment options to complete the transaction. The selection comprises a cash payment at a transaction machine. The method comprises generating a second user interface comprising a map that shows locations of a plurality of transaction machines in relation to a current position of the third party customer. The method comprises completing the transaction based on the cash payment being received by one of the plurality of transaction machines from the map.

Abstract: Systems and methods are disclosed embodying techniques directed to, in association with a transaction between a payor and a payee, determining a parameter associated with at least one of the payee, payor, or transaction. Methods and systems further include dynamically determining, based on the parameter, a customized transaction flow for the payee, wherein the customized transaction flow comprises a set of operations for completing the transaction. Method and systems are further directed to causing one or more user interfaces corresponding to one or more of the set of operations to be presented via a user device of the payor for execution of the set of operations.

Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.

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: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: A non-transitory processor-readable medium storing code representing instructions to be executed by a processor can cause the processor to receive an indication to load balance a group of sessions associated with a network node and a switch across a group of links between a gateway device and the switch at a first time. The code causes the processor to calculate at a second time, a load based on the group of sessions and associated with a first set of links in an active configuration before the first time. The code causes the processor to send a signal to cause a set of sessions from the group of sessions to re-establish themselves at a third time based on a threshold value calculated based on the load such that the set of sessions are load balanced across a second set of links in the active configuration at the third time.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for training a machine learning model. A method includes: maintaining a plurality of training sessions; assigning, to each worker of one or more workers, a respective training session of the plurality of training sessions; repeatedly performing operations until meeting one or more termination criteria, the operations comprising: receiving an updated training session from a respective worker of the one or more workers, selecting a second training session, selecting, based on comparing the updated training session and the second training session using a fitness evaluation function, either the updated training session or the second training session as a parent training session, generating a child training session from the selected parent training session, and assigning the child training session to an available worker, and selecting a candidate model to be a trained model for the machine learning model.

Abstract: Disclosed is a new intelligent forms automation solution for receiving a request or submission involving multiple types of non-native forms in a consistent manner. An engine locates a field in a non-native form, extracts a globally unique identifier (GUID) from the field and form data from data fields of the non-native form. The GUID is used by the engine to identify and retrieve a virtual copy of a native form identified. The engine fills the virtual copy of the native form with form data from the non-native form. Since the native form can have an associated workflow process, the form data from the non-native form is processed through the workflow. The native form and the non-native form can be created independently of one another. In some cases, a native form can be used to create a non-native form with a hidden field containing the GUID of the native form.

Abstract: Methods for configuring a monitoring device to communicate with a service server are provided. The method includes the monitoring device sending a message including a monitoring device identifier used by a control server to identify the service server associated with the monitoring device, receiving one or more service server addresses associated with the identified service sever from the control server, and establishing a service connection between the monitoring device and the identified service server using the one or more addresses received from the control server. A control server adapted to configure a monitoring device in a monitoring system and a method for configuring the control server are also provided.

Abstract: A real-time activity recommendation system receives an input from a user device regarding a targeted financial goal, such as a target credit score. Using machine learning models to evaluate patterns of user activity that contribute positively towards the goal, and to evaluate the limitations and opportunities of the user's financial circumstances and profile, the recommendation system makes an assessment in real time to determine user actions that can be taken to improve credit health based on a user's profile and activity data. A user-specific recommendation regarding an activity that should be performed to reach the goal is generated and transmitted to the user. User and third party activity is later monitored as the user's financial status changes over time, and the recommendations are updated accordingly.

Abstract: An apparatus for producing a target strategy comprising at least a processor and a memory communicatively connected to the at least a processor. The memory is configured to instruct the processor to receive a history datum. The memory also is configured to instruct the processor to identify a pattern datum using a quantitative field machine learning model. The quantitative field machine learning model is configured to train the quantitative field machine learning model using a quantitative field training data. The quantitative field machine learning model is also configured to identify the pattern datum as a function of the history datum. The memory then instructs the processor to generate a modified target as a function of the pattern datum. Finally, the memory instructs the processor to generate a target strategy as a function of the modified target.

Abstract: A computer system and a transaction machine, such as an automated teller machine (ATM), can provide for 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 5G Network Architecture uses virtualization and network slicing. The user equipment (UE) interacts with an underlay network that interacts with virtual network slices. The UE interacts with the underlay network (ULN) to establish a connection to a virtual network slice. Procedures are defined to assign a new slice instance to a UE (UE initiated and ULN initiated); to change a UE Profile (UE initiated and ULN Initiated); and to change a UE's assigned slice instance (ULN Initiated).

Abstract: A system for Augmented Reality (AR) document generation receives a request to generate an AR document with a particular amount directed to a particular receiver. The AR document comprises an AR check. The system generates a unique code for the AR check by converting a name of a sender, a name of the particular receiver, the amount, and a serial number associated with the AR check into a hexadecimal format. The system generates the AR check by taking the unique code as an input and writing the name of the sender, name of the particular receiver, the amount, and the serial number on the AR check extracted from the unique code. The system transmits an image of the AR check to a computing device associated with the particular receiver.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: A facility for estimating a value relating to an occurrence is described. The facility receives a first occurrence specifying a first value for each of a plurality of independent variables that include a distinguished independent variable designated to be monotonically linked to a dependent variable. The facility subjects the first independent variable values specified by the received occurrence to a statistical model to obtain a first value of the dependent variable. The facility receives a second occurrence specifying a second value for each of the plurality of independent variables (the second values varying from the first values in a first direction). The facility subjects the second independent variable values to the statistical model to obtain a second value of the dependent variable, the second value of the dependent variable being guaranteed not to vary from the first value of the dependent variable in a second direction opposite the first direction.

Abstract: Systems, apparatuses, and methods for the recognition and allocation of revenue generated by a subscription based pricing model or plan that is applied to a product or service. Embodiments respond to customer needs for a flexible and powerful revenue allocation engine to permit correct revenue distribution within a subscription economy and effectively trace changes to a revenue schedule and the resulting revenue recognition. Embodiments can efficiently react to changes to a subscription agreement and calculate a new distribution for a revenue schedule and its impact on revenue recognition and future revenue projections. In one embodiment, the systems and methods includes a revenue recognition/allocation engine that operates to evaluate the impact of “charge events” on revenue generation, taking into account relevant business rules and revenue recognition principles.

Abstract: A client application can be configured to render user interface cards, based on card data provided by a remote card engine. An API Response as Card (ARC) engine can intercept a communication between the client application and the card engine, and determine that the communication is associated with another backend system. The ARC engine can request that the backend system perform an account action associated with a user account. The ARC engine can provide information derived from a response from the backend system, reflecting a result of the account action, to the card engine. The card action can generate card data associated with the result of the account action performed by the backend system, and the client application can use the card data to render and display a corresponding card, even if neither the client application nor the card engine are natively configured to interface with the backend system.

Abstract: Embodiments provide methods and systems for facilitating scheduled payment transactions to users via an application provided by the server system, the application available on the user device. The method performed by the server system includes receiving a transaction request message from the user device, the transaction request message includes scheduled transaction instruction provided by the user in natural language format. The method includes authenticating the user based on a plurality of user authentication factors received from the user at pre-defined time intervals. In an embodiment, the server system is configured to train a data model using ML algorithms by learning the plurality of user authentication factors based on which the user is automatically authenticated by the server system. Upon successful authentication, the method includes parsing the transaction request message to determine a scheduled transaction instruction.

Abstract: Techniques described herein are directed to analyzing intellectual-property data according to provide various intellectual property related services to organizations. In particular implementations, information related to products and/or services may be obtained from a number of data sources. Additionally, information related to intellectual-property assets, such as patents, trademarks, copyrights, trade secrets, and know-how, may be obtained. In various situations, the intellectual-property assets may be mapped to respective products and/or services. The mappings between the products and/or services and intellectual-property assets may be used to provide intellectual property related services that correspond to the intellectual-property assets, such as valuation services, strategy-related services, or risk-related services.

Abstract: A method includes receiving a first ACH (automated clearing house) transaction at a local (domestic) sponsor bank. The first ACH transaction originates from a domestic originating bank. In response to the first ACH transaction, a second ACH transaction is executed from the local sponsor bank to a foreign sponsor bank. The second ACH transaction includes addressing messaging. The addressing messaging indicates a receiving bank in the same country as the foreign sponsor bank. The receiving bank is designated to receive a third ACH transaction from the foreign sponsor bank to benefit a recipient's account at the receiving bank. The addressing messaging contains an account number to identify the recipient's account.

Abstract: Systems and methods discussed herein relate to a system for detecting and preventing fraudulent transactions through collecting requests for website access, stored-card trades and sales, and transactions using physical or electronically issued credit, debit, stored-value, and other cards. The fraud detection system not only flags individual transactions, but is also configured to dynamically track and update banned/watch lists associated with request artifacts and cards in order to catch and prevent individual actors as well as BOTs, at least by adjusting the thresholds used to evaluate risk scores and what is placed on the banned/watch lists based upon requests received as well as information from financial institutions, merchants, government agencies, and watchdog groups. The system is also configured to provide information to those groups.

Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.

Abstract: An automated teller machine comprises a communications module; an image module; a processor; and a memory coupled to the processor storing instructions that, when executed by the processor, configure the processor to receive a first cheque for deposit; engage the image module to capture an image of the first cheque; send, via the communications module and to a server computer system, a signal that includes the image of the first cheque for acceptance; send, via the communications module and to an automated teller machine switch, a signal that includes a request for transaction authorization approval based on the first cheque; receive, via the communications module and from the server computer system, a signal that includes an indication of acceptance of the image of the first cheque; receive, via the communications module and from the automated teller machine switch, a signal that includes an indication of approval of the request for the transaction authorization based on the first cheque; and responsive to r

Abstract: Some implementations of the present disclosure provide a method that include: accessing a plurality of tables that describe a relational data model for a hierarch of exploration data assets, wherein the relational data model defines the hierarchy of exploration data assets and attributes at each level of the hierarchy, and wherein multiple databases encode the hierarchy of exploration data assets; querying the hierarch of exploration data assets according to one or more data quality rules capable of identifying defects in the hierarchy of exploration data assets; identifying instances of data records that fail to meet the one or more data quality rules; based on the identified instances, calculating one or more data quality metrics for the hierarchy of exploration data assets; and generating an alert that includes: the identified instances of data records, or the calculated one or more data quality metrics.

Abstract: Methods and systems are presented for facilitating sharing of tokens among different funding accounts linked to a digital wallet application to improve the computer resource efficiency of the mobile device. When a first funding account is linked to the digital wallet application is received, a token management system may determine whether a set of tokens have already been issued and stored on the mobile device for another related funding account. The token management system may cause a token service provider server to abort generating additional tokens for the first funding account. Instead, the token management system may modify characteristics of one or more of the set of tokens existed on the mobile device, to enable the one or more existing tokens to be usable in electronic payment transactions in association with the first funding account or the second funding account.