Abstract: A system may detect an outstanding account of a borrower having an outstanding amount. The system may also display a loan-request interface associated with the outstanding account with the loan-request interface activated in response to the outstanding amount being within the dynamically calculated loan capacity. The system may receive an input via the loan-request interface to request a loan based on the outstanding amount. A request for the loan may be transmitted in response to the input.

Abstract: The present teaching relates to methods, systems, and programming for reconciling or merging real time data with bulk data. In one example, a first attribute value is obtained. The first attribute value characterizes an aspect of a data item. A second attribute value related to the first attribute value is obtained. The second attribute value characterizes the aspect of the data item. A scheme is selected to be used to determine a third attribute value to characterize the data item. The third attribute value is determined in accordance with the selected scheme as well as the first and second attribute values.

Abstract: A payment service is configured to support purchase transactions generated by merchant point-of-sale (POS) devices. As transactions are conducted, the payment service evaluates, for each transaction, the risk of subsequent chargeback. The payment service then notifies the merchant that expedited payment is available for transactions having low risks of chargeback. The merchant can select a user interface element to initiate expedited payment of the transactions via a debit card linked to the merchant's bank account. Other transactions are settled in a non-expedited manner, using a batch funds transfer.

Abstract: Installing digital wallet assets is disclosed. A distribution channel is received. A notification message indicating that a digital wallet asset is available for installation is generated. The notification message is distributed based at least in part on the distribution channel. A callback is received. The digital wallet asset is provided. The digital wallet asset is constructed based at least in part on an associated digital wallet asset logical instance.

Abstract: Methods, nodes, computer programs, computer program products and a mobile network for adapting a mobile network are described. In such a method for adapting a mobile network (800), a terminal (802) is connected to a first access node (804) of the mobile network (800) via a first connection and to a second access node (808) via a second connection. The first access node (804) controls a data transmission for the terminal (802) and the second access node (808) assists in the data transmission for the terminal (802). The method comprises determining (7) whether a quality of at least one of the first connection and the second connection is degraded, acquiring (7) quality degradation information about the degradation of the quality of at least one of the first connection and the second connection based on the step of determining, and adapting (896, 8, 898, 899, 10, 11) the mobile network (800) based on the step of acquiring.

Abstract: In some examples, a payment processing system may receive, from merchant devices of a plurality of merchants, transaction data of transactions performed between the merchants and customers. The system may provide financing to an account of a first merchant with repayment terms based on one or more attributes of the first merchant determined from the received transaction data. The system may receive service information from at least one service performed for a business of the first merchant and may determine a state of the business of the first merchant. Based on the received transaction data and the state of the business of the first merchant, the system may determine that the first merchant is expected to have a decrease in sales. The system may determine a deferral period based on the expected decrease in sales and may refrain from taking repayment of the financing for the deferral period.

Abstract: A system for transmitting and receiving vehicle, insurance, and financial information comprises a communication beacon, a vehicle control system, and a mobile electronic device. The communication beacon is associated with one of a plurality of vehicles and transmits information about the associated vehicle. The vehicle control system is associated with one of the vehicles, and configured to transmit information about the associated vehicle after a trigger event occurs.

Abstract: A system for transmitting and receiving vehicle, insurance, and financial information comprises a communication beacon, a vehicle control system, and a mobile electronic device. The communication beacon is associated with one of a plurality of vehicles and transmits information about the associated vehicle. The vehicle control system is associated with one of the vehicles, and configured to transmit information about the associated vehicle after a trigger event occurs.

Abstract: Tandem transactions facilitated through automatic application of a tandem transaction limit are provided. A system includes a group manager that identifies a group including respective identifications indicative of a first user and a second user. A transaction limit manager establishes a first transaction limit for the first user, a second transaction limit for the second user, and a third transaction limit for a combination of the first and second user. A transaction manager dynamically applies the third transaction limit based on a determination that the first and second user are performing a joint transaction. The transaction manager revokes the third transaction limit after a threshold time and applies the first transaction limit to first user transactions and the second transaction limit to second user transactions. Incentives are provided if a user remains at a location for a threshold amount of time or causes other users to visit the location.

Abstract: A system for transmitting and receiving vehicle, insurance, and financial information comprises a communication beacon, a vehicle control system, and a mobile electronic device. The communication beacon is associated with one of a plurality of vehicles and transmits information about the associated vehicle. The vehicle control system is associated with one of the vehicles, and configured to transmit information about the associated vehicle after a trigger event occurs.

Abstract: The present invention provides a hardware acceleration method and a related device. The hardware acceleration method includes: determining, by a functional entity, a requirement of a to-be-accelerated virtualized network function VNF; determining, by the functional entity, a target virtualized infrastructure manager VIM; and deploying, by the functional entity, the to-be-accelerated VNF onto a target host in a management domain of the target VIM by using the target VIM. In the present invention, the functional entity deploys the to-be-accelerated VNF onto the target host whose hardware matching resource meets the requirement in the to-be-accelerated VNF, so that the type of the hardware acceleration resource required in the to-be-accelerated VNF can match a type of the hardware matching resource of the target host, and the hardware matching resource of the target host can meet an acceleration requirement of the to-be-accelerated VNF, thereby effectively improving performance of the to-be-accelerated VNF.

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: There are provided systems and methods for payment profile migration. A migration service provider computer may receive an indication to transfer a first set of payment profiles from a third-party service provider computer to the migration service provider computer. The migration service provider computer may download from the third-party service provider computer, in response to the indication, a first set of payment profiles and extract payment information from the first set of payment profiles. The first set of payment profiles may correspond to a first file format. The migration service provider computer may generate, based on the extracted information, a second set of payment profiles according to a second file format that is different from the first file format.

Abstract: A method for processing a security authorization is disclosed. The method comprises capturing biometric data with a scanning apparatus of the authentication system and comparing the biometric data to authentication data. The authentication data comprises an identification profile configured to authenticate a previously identified individual. The method further comprises authenticating the previously identified individual based on the identification profile thereby identifying an authorized user and accessing a plurality of occupant parameters in response to the authentication profile. The occupant parameters are then communicated to the vehicle control system. The vehicle control system is configured to load the occupant parameters to customize one or more operational settings of a vehicle.

Abstract: Various examples provide for solutions that use an artificial neural network to adjust a cloud-based execution environment for an application based on a set of metrics associated with the cloud-based execution environment, including a Quality-of-Service (QoS) metric and a cost metric. The adjustment may be based on a mapping, determined by the artificial neural network, between the application and a cloud-based infrastructure utilized by the cloud-based execution environment.

Abstract: Systems and methods are provided for managing a cash advance service associated with a payment account of a user. An exemplary method may include providing, to a device of the user, instructions to display an application interface, the application interface receiving user requests to enable and disable the cash advance service. The method may also include receiving, through the application interface, a request to enable the cash advance service. The method may further include associating a transaction rule with the payment account, the transaction rule defining a condition upon which approval of a cash advance transaction is permitted. The method may further include receiving a cash advance transaction authorization request associated with the payment account. The method may further include approving the cash advance transaction authorization request when the condition is met and declining the cash advance transaction authorization request when the condition is not met.

Abstract: The present disclosure generally relates to the use of loyalty accounts, private label payment accounts, and general payment accounts using an electronic device with an electronic wallet. Various accounts are linked to the electronic device. In some examples, the electronic device is NFC-enabled. The electronic device may be used to provide loyalty account information and payment account information to a payment terminal, such as an NFC-enabled payment terminal.

Abstract: A method and computer program product for electronically filing a financial document with an agency on behalf of a client. The document is received from a first computing device operated by an electronic filing entity. A first request is received from the first computing device to collect an electronic signature from the client on an authorization form authorizing electronic filing of the document with the agency on behalf of the client, and to collect electronic payment from the client. An electronic envelope is received from a second computing device, which is then sent to the first computing device. An authorization form may be attached to the electronic envelope and sent to the second computing device. The second computing device collects the electronic signature from the client and facilitates electronic payment from the client to a third computer. The document is then electronically filed with the agency.

Abstract: A virtual management system comprises video cameras, and various other sensors that acquire event data indicative relating to the processing of stock. This data is passed to a local data collection device that aggregates the event data and passes it via a network to a number of remote data processing modules. The event data is allocated to each of the data processing modules based upon their assigned tasks by a virtual manager agent. A data processing module receives the aggregated event data from the local data collection device via a network and processes the event data according to a set of pre-defined rules. The data processing module generates an alert in response to the processing of the event data indicating that a pre-defined event has occurred, and transmits the alert to a remote device associated with an employee.

Abstract: A secure electronic mailbox is provided to a customer having an electronic account. The electronic account links the secure electronic mailbox to a physical address of the customer. The customer can send and receive secure and non-secure messages via the secure electronic mailbox. The customer can also access electronic services such as electronic bill presentment and payment using the secure electronic mailbox.

Abstract: A mobile electronic device corresponding to the present invention communicates with a point-of-sale terminal using near field data communications when making a purchase, prompting an offer regarding a warranty on an item purchased before the purchase is complete.

Abstract: A method for filtering a product transaction data file involves receiving, by a computer, a query including one or more groups of attribute conditions for filtering the product transaction data file. The attribute conditions in the query are applicable to product attribute data records split across a set of vertically split attribute data files. The method further includes determining which of the product attribute data records split across the set of vertically split attribute data files satisfy all of the one or more groups of attribute conditions in the query, identifying product keys associated with the product attribute data records that satisfy all of the one or more groups of attribute conditions in the query, and using the so-identified product keys to filter product data records in the transaction data file.

Abstract: One method for transferring funds includes receiving at a web server computer a request to transfer funds from a sender to a receiver. The request includes information identifying the sender and a payment vehicle for providing funds to transfer. The payment vehicle is validated and a transaction identifier is generated or assigned. The transaction identifier may be transmitted from the web server computer to the sender. When ready to receive the funds, the transaction identifier is entered into an ATM. If the transaction identifier is validated, the funds are dispensed from the ATM.

Abstract: A device, system, and method for conducting a secure transaction over a network includes receiving from a merchant a price amount associated with a purchase selection made by a user and an identification of a stored-value financial instrument having been issued to the user, and participating in a user-free electronic dialogue with a non-integrated financial institution, the user-free electronic dialogue including a request to transfer funds from the non-integrated financial institution to satisfy the price amount associated with the purchase selection. The device, system, and method further includes determining whether there are sufficient funds associated with the stored-value financial instrument. The participation in the user-free electronic dialogue to request the funds transfer from the non-integrated financial institution occurs as a result of determining that there are insufficient funds.

Abstract: According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).

Abstract: The techniques disclosed herein generally relate to providing insurance via an integrated investment and insurance account. An integrated account may have an owner, and may include an investment vehicle portion and an insurance policy portion. The investment vehicle portion may include or be associated with one or more investment vehicles via which the account owner may invest money and, based on the invested funds, the insurance policy portion may provide insurance for which the account owner is designated as the insured party. Premiums for the insurance policy portion may be borne by the operating expenses of the investment vehicle portion. Additionally, a payout or benefit amount of the insurance provided by such integrated accounts may be based on the value of accumulated assets under management of the investment vehicle portion at the time of the payout.

Abstract: A system is provided for selecting content for a user of a wearable apparatus based on the user's behavior. In one implementation, the system may include a memory storing executable instructions and at least one processing device. The at least one processing device may be programmed to execute the instructions to analyze a plurality of images captured by a wearable image sensor included in the wearable apparatus to identify one or more of the plurality of images that depict a behavior of the user; determine, based on the analysis, information associated with the one or more images depicting the behavior of the user; and select, based on the information associated with the one or more images depicting the behavior of the user, at least one content item.

Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data using smart contracts executed by a distributed network system. Sharing session data may be stored using a smart contract. A second system may obtain the sharing session data and verify the sharing session based on the execution of the smart contract. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two systems and/or a number of systems. Smart contracts may provide a variety of functions for authorizing the sharing of data between systems. Additionally, encrypted data may be stored and/or obtained using a smart contract.

Abstract: Embodiments are directed to systems and methods for performing consumer authentication in a tokenized transaction. The token in the authentication request may be resolved to corresponding credentials before the consumer authentication process is initiated. As part of an authentication system, the merchant computer may include a merchant plug-in module as a proxy between the merchant computer and an issuer access control server. The merchant plug-in module may communicate with the issuer access control server by sending verification and authentication messages to the issuer access control server via a directory server. The token may be resolved to corresponding credentials before the authentication request reaches the issuer access computer for authentication. The merchant plug-in module, the directory server or a token router coupled to the issuer access control server may each be in communication with one or more token service providers to de-tokenize the token provided by the consumer's user device.

Abstract: Targeted Content solutions can be provided using a variety of techniques. Targeted Content can be provided in place of generic advertisements on a first device or on personal computing devices. Targeted Content can be presented during, or in place of, generic advertisements in Content (e.g., television content, streaming content, etc.). Targeted Content can be provided in individual and/or group environments. In a group environment, Users and/or Devices can be grouped into a shared advertising group and Targeted Content can be selected based on Profiles of one or more members of the group. Feedback can be received regarding Targeted Content and payout amount can be determined.

Abstract: A system for matching entities comprising a contributor parameter system operating on a processor and configured to generate a plurality of contributor selection controls, each contributor selection control associated with one or more user-selectable parameters. A recipient parameter system operating on the processor and configured to generate a plurality of recipient input controls, each recipient input control associated with one or more user-selectable parameters. A recipient bundling system operating on the processor and configured to receive the user-selected parameters from the contributor selection controls and the user-selected parameters from the recipient input controls and to select a plurality of recipients as a function of the user-selected parameters from the contributor selection controls and the user-selected parameters from the recipient input controls.

Abstract: A subscription identifier is communicated between the billing server and subscription server. The billing server receives a subscription identifier text message from the user device. The billing server identifies a carrier server from the subscription identifier text message. The billing server receives an authorization text message from the user device in response to an authorization request text message and charges an account of the carrier server that has been identified. If the charge has been successful, then the billing server transmits a renewal notification text message to the subscription server. The subscription server updates an account having the subscription identifier to reflect a new expiration.

Abstract: Systems and Methods for telecommunication expense management are provided. A distributed platform including a user support site, multiple user databases and customized user applications is provided to enable organizations to better manage their telecommunication services and expenses. In an embodiment, a method for electronically processing telecommunication invoices includes importing the telecommunication invoices, extracting elements from the imported invoices and performing reasonability tests on the imported invoices. The reasonability test includes conducting an automated comparison against established criteria that may be customized by users. The method includes generating one or more interactive reports that enable an organization to effectively manage its telecommunication services.

Abstract: A method, apparatus, and computer readable storage to implement a lending or cash advance system that can be (but is not required to be) integrated with an online commerce site. Sellers on the online commerce site can click a button or tab in their web browser that is visiting the online commerce site and information known to the online commerce site is automatically shared with a potential cash provider. The information can include sales data related to the seller's business on the online commerce site that can be applied to a formula used by a cash provider to evaluate the risk associated with lending the seller cash. A financial account used by the seller can rapidly receive the cash loan (if approved) and payments received by the seller from buyers would go into this financial account which is then used to automatically pay the cash provider back at agreed upon terms.

Abstract: Techniques for content item instance access control are described herein. A computing service provider may host execution of a plurality of instances of an interactive content item, such as a video game. Each content item instance may be accessible to a respective set of one or more authorized clients that are associated with the respective content item instance and that are authorized to access the respective content item instance. Additionally, in one embodiment, each content item instance may be inaccessible to one or more unauthorized clients, such as clients that are not associated with the respective content item instance and that are not included in the set of authorized clients. By limiting access to a content item instance to authorized clients, the content item instance may be protected from malicious users, such as hackers, DoS and DDos attackers, and other malicious users.

Abstract: A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.

Abstract: Various embodiments of a hosted payment service are disclosed. In some embodiments, a merchant can enable customer use of the payment service by adding a line or sequence of widget code to a web page, such as a shopping cart page, of the merchant's site. Thereafter, a user who is registered with the payment service can invoke the payment service and complete a purchase transaction directly from the merchant site. For example, while viewing a shopping cart page, the user may be able to securely interact with the payment service and complete the purchase transaction via a transaction display object that is incorporated into the shopping cart page. In some embodiments, the transaction display object prompts the registered customer to enter a secondary authentication input, and the payment service uses this input in combination with a browser cookie to authenticate the user.

Abstract: An information processing system, computer readable storage medium, and a method for managing computer memory. The method includes initializing at least one memory allocator within a computing system; deploying the at least one memory allocator on a multi-user or cloud system where users are charged a monetary fee based on consumption of at least one memory resource; determining, by the at least one memory allocator, a consumption of the at least one memory resource; determining a cost associated with the consumption that has been determined; and determining a monetary fee to charge the user based on the cost that has been determined.

Abstract: A payment system reduces transaction costs for online merchants. The payment system receives a transaction amount for the purchase of goods or services by a consumer from an online merchant. The payment system receives bank identification numbers for a plurality of accounts of the consumer that could be used by the consumer to pay for the good or services. The payment system determines transaction costs associated with processing a payment transaction with an acquirer processor using each of the consumer accounts. The payment system determines a recommended consumer account to use for the purchase of the good or services based at least in part on the transaction costs. Tender steering information is generated and sent to the consumer. Tender steering information includes the recommended consumer account information and one or more incentives to incentivize the consumer to use the recommended consumer account for the payment of the goods or services.

Abstract: Systems, methods and apparatus for in-store preview of jewelry items that comprise detecting that a RFID tag that is coupled to a jewelry item is within a threshold vicinity of a RFID reader. The information about the jewelry item is transmitting to an electronic device that is located proximately to the jewelry counter. Beacon technology is employed to communicate with a customer's mobile device. Pass application technology is employed to transmit records to and from a customer and local retailer.

Abstract: An integrated bill presentment and payment system and an associated method are disclosed which can accomplish the entire process of bill presentment and payment directly with billers, customers, and their respective financial institutions, but which are also capable of interfacing with independent biller service providers, independent customer service providers, independent consolidators, and/or independent payment providers. The integrated bill presentment and payment system and method of the present invention can link directly to billers and customers, and can also access and distribute billing information from third party biller service providers or consolidators and participate in the distribution of the billing information to customers through third party customer service providers and consolidators.

Abstract: A method for transferring funds includes: 1) receiving, from a first user, a request to transfer a stored value to a second user; 2) identifying, based on a first user token and from a user database, a first entry containing information of a payment account of the first user; 3) causing a payment server to transfer funds corresponding to the stored value from the payment account of the first user to a stored-value account that is associated with a stored-value token; 4) associating the stored-value token with a second entry identifying a second user; 5) receiving a payment request initiated by the second user; 6) identifying the second entry based on a second user token included in the payment request; 7) updating funds in the stored-value account based on the payment request; and 8) transmitting at least a portion of the stored value to a merchant based on the update.

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: The present invention provides apparatuses and methods for analyzing patterns and generating rules related to actions taken in auditing cargo air waybills. Various embodiments of the invention may receive one or more user actions applied to an air waybill and analyze the user's actions to determine if a pattern of behavior is consistent in the user's actions. When one or more patterns are determined, one or more rules may be generated based on the patterns and the actions. If a generated rule is approved by a user, the generated rule may be applied to any future air waybill sent to an accounting system for auditing. The integration of pattern analysis and rule generation may ease some or all of the burden of manually auditing thousands of air waybills daily and reduce the temporal costs of internal audit staff and the financial costs of employing an outside company to audit cargo air waybills.

Abstract: Various examples are directed to systems and methods for directed customer support. An analytics system may receive support communication data describing a support communication regarding a user account received from a user computing device and determine a subject of the support communication. The analytics system may select a response medium based at least in part on the subject and generate a response message based at least in part on the subject.

Abstract: The embodiments herein focus on improving recognition accuracy of these fields on credit card bills by detecting and identifying critical fields on a credit card, extracting the data from the critical fields and comparing the data with known data on a payor, payee and biller.

Abstract: A method for processing transactional data, via a payment terminal. The method includes capturing at least one datum representing a bill to be paid, called a consolidated datum, from a pre-existing support; formatting the consolidated datum by a collection application of the payment terminal, delivering a digital invoice; displaying the digital invoice by the collection application; transmitting to a payment application of the payment terminal at least one datum, called a transactional datum, representing an amount to be paid according to at least one element of the digital bill.

Abstract: Methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.

Abstract: A system and method of validating an upgrade of authentication credentials includes authenticating a first user being associated with a first entity, receiving input identifying a customer name for the online account, receiving input indicating a type of identification to be presented at the validation event, receiving input indicating a transaction code associated with the validation event, and receiving input indicating a location of the validation event, and further includes authenticating a second user being associated with a second entity, providing to the second user a list of validation events for a location, receiving input selecting a validation event in the list of validation events, presenting one or more of the customer name, transaction code, and type of identification associated with the selected validation event, and receiving input indicating a result of the validation event, where a credential or token is created and assigned based on the validation event.

Abstract: When able to communicate with a control server 15, the tablet terminal 13 of a transaction processing system 1 communicates with the control server 15 and executes a process using server-side data stored by the control server 15. When unable to communicate with the control server 15, the tablet terminal 13 communicates with a recording control device 16, and executes a process using control device-side data stored by the recording control device 16. If the recording control device 16 is not on, the tablet terminal 13 sends to the recording control device 16 a start command causing the recording control device 16 to start.