Abstract: A transmission pairing system may include a transmission pairing stored in a secure database. The system may generate a transmission pairing by receiving a selection of a destination for the secure information from the secure database and determining a transmission type corresponding to the selected destination. The system may populate a list of available sources of the secure information based on the transmission type. A selected source may be received and paired with the selected destination to generate the transmission pairing. The transmission pairing may be used to initiate an electronic transmission based on a parameter that is modifiable to determine the secure information transmitted from the source to the destination.

Abstract: The present disclosure relates to optimizing one or more database tables that may include one or more redundant records. Records are clustered and assigned stable identifiers. In this manner, the underlying records within a cluster are not removed or deleted. As updates to the database are made, new clustering analyses are performed using the underlying records and any updates made. Newly identified clusters are reassigned stable identifiers.

Abstract: Particular embodiments of a payment service system (PSS) may receive, from a mobile device, an indication of a request of a payer to engage in a transaction with a payee. The PSS may identify a set of parameters associated with the payee. The parameters may include a payee type that specifies a type of service or good that the payee provides. The PSS may generate, based on the payee type, a customized transaction flow for making a payment to the payee in association with the transaction. The PSS may then provide instructions to present the customized transaction flow on the mobile device for completing the transaction with the payee.

Abstract: Systems and methods for secure payment processing are disclosed. An issuer vault generates payment items, which correspond to consumer account information and which replicate the structure of the account information but do not include consumers' actual account number. The payment items, rather than the actual account information, are communicated to on-line and mobile payment services for use by consumers in payment transactions. When a consumer uses a payment item in a payment transaction and the transaction undergoes authorization processing, the payment authorization network uses the payment item to request and receive the actual account information from the issuer vault. The authorization network uses the actual account information for the limited use of authorizing the transaction. Once the transaction has been authorized using the actual account information, the processing of the transaction continues using the payment item information rather than the actual account information.

Abstract: A method of performing a real-time non-inquiry electronic transaction is provided. The method includes receiving, by a paying bank computing system associated with a paying bank, a posting of a transaction from an account verification service, the transaction corresponding to a transfer of funds from the paying bank computing system to a depository computing system associated with a depository bank. The method further includes sending, by the paying bank computing system, an acknowledgement of the transaction to the account verification service, wherein the transaction is determined to be a non-inquiry transaction such that the transaction is posted at the depository bank computing system without performing an initial inquiry regarding the transaction at the account verification service.

Abstract: A method includes generating a private key associated with a distributed ledger. The private key is stored on a secure memory. A storage device is manufactured and includes an onboard computing device having the secure memory integrated therein. The onboard computing device is configured to sign one or more ledger operations with the private key.

Abstract: An information processing apparatus includes a management unit configured to manage setting data relating to remittance for paying at least a part of a price associated with a settled transaction from a payer to a payee associated with the settled transaction. The apparatus further includes a generation unit configured to generate instruction data containing instructions to display a screen requesting remittance from the payer based on the setting data, and an output unit configured to output the instruction data generated by the generation unit. The screen requesting remittance displays information identifying the settled transaction associated with the setting data.

Abstract: One embodiment provides a computer implemented method, including: receiving billing information related to a billing contract of a customer of a seller, wherein the billing contract identifies amounts of invoices and an invoice frequency; identifying, utilizing one or more artificial intelligence agents, one or more risk factors associated with generation of a pending invoice based upon the billing information; and recommending, utilizing the one or more artificial intelligence agents, a generation date for the pending invoice based upon the one or more risk factors, wherein the recommending includes selecting a generation date to facilitate timely payment of the pending invoice by the customer.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for automatic account protection. A method includes detecting a trigger indicating one or more of a potential and an actual security breach at one or more websites where a user has an account that is accessible using electronic credentials. A method includes logging into the one or more websites for the user using the electronic credentials. A method includes performing one or more actions at the one or more websites associated with the electronic credentials to protect the user's account.

Abstract: A mobile banking system and method allows an unbanked individual to engage in banking practices that would otherwise not be available to the individual due to the individual not having a bank account and not being able to cash checks, make deposits, etc. The mobile banking system allows the unbanked individual to create a registered system account and become a customer of the system. This system account allows the customer to make deposits at credit unions and merchants who are part of the mobile banking system. The customer can also withdraw funds from a merchant or make purchases from a merchant. The customer can also make donations to a desired donation receiver and create a wallet that allows the customer to allocate funds to cards in the wallet and allow individuals access to the cards and money associated with a card.

Abstract: Disclosed herein are systems and methods for performing online payment transactions from any web page being accessed on a client device by automatically generating a payment application icon on the web page through which a user can make payments. The content of the web page may be analyzed to determine if the user is conducting a payment. When a payment request is identified, a payment application icon is displayed on the web page. When the user interacts with the payment application icon, a payment prompt is displayed where the user can input payment information. Upon the user providing payment information, a payment server transmit a payment to an account associated with the web page, based on the user's payment information.

Abstract: An email payment gateway may be configured to send emails to potential donors. The emails may include mailto hyperlinks. Each mailto hyperlink may be associated with one or more fundraising campaigns, and each mailto hyperlink describes an email message that may be generated when that hyperlink is selected. When a mailto hyperlink is selected, the generated email message may include one or more parameters related to the fundraising campaign associated with the hyperlink, such as an identifier of the fundraising campaign, donor identity or donation amount. The generated email message may then be transmitted to the email payment gateway. The email payment gateway may receive the message and, based on the parameters in the received message, process the donation on behalf of the donor.

Abstract: Smart locking devices, systems and methods are provided. A user mobile device can transmit a wireless signal to an electronic locking device. The electronic locking device includes a power sensor to sense the harvested power, and a controller to process the communication component to determine an algorithm to operate the electronic locking device. The mobile device is connected to a network environment where user authentication and encryption data can be generated, stored, and relayed to multiple user mobile devices for wireless key management for authentication.

Abstract: A computer system and a transaction machine (such as an automated teller machine (ATM)) of the same financial institution, can provide a third party customer the ability to pay bills, issued by the third party, at the ATM. The third party computing system provides the third party customer a user interface to provide a user selected amount that the third party customer plans on depositing at the ATM. The ATM provides the third party customer a user interface to enter a passcode. The ATM provides the third party customer the ability to make a payment at the ATM. The ATM verifies that the payment matches the user selected amount, and sends a payment notification to the third party computing system.

Abstract: Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant-stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.

Abstract: This disclosure relates to methods and systems for automatically securing and validating multi-server electronic communications over a plurality of networks, without requiring additional physical or programmatic infrastructure on the intermediary servers. A processor-executable component can be transmitted from a first server to a compute device, where it generates a pair of asymmetric cryptographic parameters. The first server uses one of those parameters to verify subsequent communications from the component and respond with tagged privacy communication strings, which the component can provide to a second server as part of a secure communication exchange. The first server can then receive secure communication exchange approval request from a third server and analyze the request to determine a validity metric.

Abstract: A publishing user identifies a product offered by the user to an online system by providing multiple images of various products viewed at different angles to the online system. The online system applies an identification model to content items obtained from other users to identify one or more of the products in various content items. From a number of content items obtained from other users that include products offered by the publishing user, the online system compute trends. The trends may be for a specific product or products having one or more common attributes. The online system transmits information about the trends to the publishing user or to other users. The trends may also be used to rank recommendations for products to a specific user, where the trends from numbers of content items including products are weighted by the specific user's preferences.

Abstract: A computer system and a transaction machine (such as an automated teller machine (ATM)) of the same financial institution, can provide a third party customer the ability to pay bills, issued by the third party, at the ATM. A third party computer system communicates with the financial institution computer system to register the third party customer and obtain a first passcode associated with the third party customer. The financial institution computer system communicates the passcode and an associated bill amount to the ATM. The ATM accepts and verifies a second passcode received from the third party customer. The ATM communicates with the third party computer system to verify the bill amount. Responsive to receiving the verification, the ATM communicates with the third party user to accept a payment. Upon successfully receiving the payment, and verifying the payment amount, the ATM sends a payment notification to the third party computer system.

Abstract: Embodiments of the invention are directed to methods, systems, and devices for tracking recurrence across computer systems. One embodiment of the invention is directed to a method including processing, by a transaction processing computer, a plurality of transactions and then storing, by the transaction processing computer, data relating to the plurality of transactions. The transaction processing computer may be configured to use the data to determine a recurrence value indicating at least a frequency or number of interactions between a resource provider computer and a user, and the transaction processing computer may further initiate an action based on the recurrence value.

Abstract: Systems and methods are disclosed for detecting a suspicious and/or a non-suspicious activity during an electronic transaction performed by a user device. One method comprises identifying, by a monitoring and detection component, a starting check point in the electronic transaction. The monitoring and detection component may then receive contextual data from one or more sensors of the user device. Based on the contextual data and a machine learning model, the monitoring and detection component may determine whether an expected behavior occurred. Entry of user credentials may be enabled in response to determining that the expected behavior occurred, whereas the electronic transaction may be terminated in response to determining that the expected behavior did not occur.

Abstract: The invention relates to a computer-implemented system and method for receiving at a business an electronic person to business (P2B) payment from an individual. The method may comprise the steps of contacting an individual having a demand deposit account (DDA) to request the P2B payment in an amount that is due to the business; providing a designated electronic address for the business for receiving the P2B payment; identifying a reference number that is associated with the P2B payment; requesting the individual to use a P2B payment server to make the P2B payment from the individual's DDA account to the designated electronic address, wherein the P2B payment is associated with the reference number; monitoring the P2B payment server in real time to confirm receipt of the P2B payment; and using the reference number to apply the received P2B payment to the amount that is due to the business.

Abstract: Systems and methods are provided for use in implanting and/or modifying account controls based on conditional states of users associated with the accounts. One exemplary method general includes receiving, by a computing device, status data for a user where the status data is indicative of a current conditional state of the user. The method also includes accessing, by the computing device, at least one account control rule for an account associated with the user, where the at least one account control rule is associated with a sleeping state of the user, and activating, by the computing device, the at least one account control rule when the current conditional state of the user is the same as the sleeping state associated with the at least one account control rule.

Abstract: A management system includes an information processing apparatus that stores management information about cartridges that store consumables and is configured to update the stored management information, and an image forming apparatus configured to print an image on a sheet using the consumables stored in an attached cartridge, storing cartridge information about a cartridge that has been previously attached to the image forming apparatus, and configured to, when a cartridge is attached, retrieve cartridge information from the attached cartridge as first cartridge information and the stored cartridge information as second cartridge information, and transmit the first and second cartridge information to the processing apparatus. Upon receipt of the cartridge information, the processing apparatus determines whether the attached cartridge is a refilled cartridge, and if so, updates the management information so that the cartridge is identified as a refilled cartridge.

Abstract: Secure multi-party computations may be used to get attribution results without compromising user privacy. A content provider and an advertiser may each sign a calculation indicating that they wish to share data using a secure multi-party computation. A measurement company may sign the calculation indicating that the measurement company has evaluated the computation and that the computation will protect user privacy. A user device may confirm with the verification service that all parties have signed the calculation. The user device may transmit one-time identifiers to the measurement company, which allows impression data and conversion data stored by the content provider and the advertiser to be linked. The content provider, the advertiser, and the measurement company may perform the secure multi-party computation, which allows the advertiser to evaluate attribution results without accessing the user data stored by the content provider.

Abstract: A method for billing device usage through a data storage system and aggregation includes: receiving, in a device controller, user credentials for one of a plurality of users; detecting, by the device controller, usage parameters of a hardware device; submitting, by the device controller, a new usage transaction for usage of the hardware device to a data storage system including the user credentials and a usage fee based on the usage parameters; receiving, by an aggregator node, a plurality of usage transactions from the data storage system including the new usage transaction where each usage transaction includes user data and a fee amount; generating, by the aggregator node, an aggregated bill for each of the users including based on the fee amount included in each usage transaction associated with the respective user; and transmitting, by the aggregator node, each aggregated bill to a computing device associated with the respective user.

Abstract: A method for supporting hospital visits on a social network platform includes: detecting a user input for registering a visit at a hospital using a social network client application of the social network platform; in response to detecting the user input: obtaining a registration number for the visit, wherein the registration number indicates an ordinal position of the user in a hospital queue of multiple visitors to the hospital; and displaying a group chat interface for a group conversation including a social network identity of the user and a public social network identity of the hospital; and displaying a payment request for the visit in the group chat interface.

Abstract: A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.

Abstract: A delivery management system includes a client user terminal, a lock/unlock device, a delivery user terminal, and a processor. The client user terminal is used by a client user who submits a request to deliver the package to a predetermined compartment of a vehicle. The processor makes an electronic payment for a fee when a request to pay for the fee associated with a package has been made from the client user terminal. The processor issues authentication information to a delivery user terminal when the processor has made the electronic payment in a case where there is specification that the client user pays for the fee at the time of delivery of the package. The delivery user terminal makes a request of a lock/unlock device to lock or unlock the predetermined compartment with the authentication information. The lock/unlock device locks or unlocks the predetermined compartment.

Abstract: A technique to identify and distinguish flow sessions begins by capturing a flow record indicating an initiation of a network flow. A unique session identifier associated with the captured flow record is computed by applying a given function over data comprising a set of information (e.g., a tuple) captured in the flow record, together with a time value associated with collection interval having a start time. The given function may be a hash function. The unique session identifier is associated with one or more additional network flows captured during the collection interval, e.g., from another network flow device that computes the same identifier for at least a second flow record captured during the collection interval. In one embodiment, the flow records are captured by distinct data collectors and comprise portions of a same flow session. The distinct data collectors may utilize the same or different flow record types or protocols.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for allocating resources are provided. One of the methods includes receiving a first request from a first client for accessing a server, wherein the first request includes token information corresponding to resource information of a second client; determining, according to the token information included in the first request, the resource information of the second client corresponding to the token information; receiving resource allocation information from the first client; and allocating resource according to the resource allocation information from the first client and the resource information of the second client.

Abstract: Transaction address data is received at a point of interaction (POI) device, from a payment-enabled mobile device. The transaction address data includes first address data and second address data. The first address data identifies a wallet service provider that is associated with the payment-enabled mobile device. The second address data indicates an internet address for a server function present in the payment-enabled mobile device. The first address data is used to dispatch the second address data from the POI device to the wallet service provider.

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: Systems and methods for blending a plurality of swaps may include determining a fixed rate for use in blending a plurality of swaps, each of the plurality of swaps having matching economics and a different associated fixed rate. A computing device may determine a first remnant swap for blending fixed rate components of the plurality of swaps using the fixed rate. In some cases, the computing device may determine second remnant swap for blending floating rate components of the plurality of swaps based on the first remnant swap.

Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for managing transactions by consolidating associated transactions. For instance, a method may include receiving transaction information for a transaction. The transaction information may include an identifier and a transaction amount associated with the transaction. The method may further include comparing the transaction amount to a threshold to determine whether the transaction amount is equal to or above the threshold, or whether the transaction amount is below the threshold. The method may include, in response to determining that the transaction amount is below the threshold, obtaining pending transaction information, analyzing the pending transaction information to determine whether there is at least one associated transaction associated with the transaction, and performing at least one processing action to resolve the transaction.

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: The invention concerns a process for carrying out transactions which includes issuing electronic tokens marked by a first unique identification code and a monetary value, assigning electronic tokens having a reference code associated with the consumer addressee stored inside to a consumer, and using electronic tokens to carry out transactions such as purchasing goods and/or services at merchants. At the end of each transaction, the consumer reference code is deleted from the tokens used in the transaction and a reference code of the merchant who received the tokens in the transaction is stored in the electronic tokens.

Abstract: In some examples, methods and systems may process one or more payment transactions between a payee and a payor by establishing a short-range communication channel between a first computing device associated with the payee and a second computing device associated with the payor.

Abstract: A computer-implemented method, non-transitory, computer-readable medium, and computer-implemented system is provided for obtaining a real-name electronic bill. In response to an association operation initiated by a user for a target electronic bill, an association transaction is published that includes an identifier of the target electronic bill, where the association transaction causes a network node on the blockchain to return identity association prompt information when determining that the target electronic bill stored in the blockchain is not associated with user identity information (UII). The UII is collected when receiving the identity association prompt information. The UII is sent to the network node, where the network node verifies whether the UII matches identity information of a payment user in the target electronic bill, and after verification succeeds, publishes an association relationship between the UII and the identifier of the target electronic bill to the blockchain for storage.

Abstract: A method for determining a utilization-based fee for storing data includes determining a number of write operations for writing a quantity of data to a solid state drive (SSD) and determining an amount of a fee based on the number of write operations for writing the quantity of data to the SSD. A lifetime of the SSD can be determined based on, for example, the number of blocks in the SSD and the maximum number of write operations per block. A utilization factor for a particular workload can be determined by dividing the number of write operations in the workload by the lifetime. The value of the utilization factor can then be used to determine the amount of the fee. A bill based on the amount of the fee can be generated and transmitted.

Abstract: A network of collection and distribution machines may collect, charge and/or distribute portable electrical energy storage devices (e.g., batteries, supercapacitors or ultracapacitors). Electric vehicles available for sharing, renting or otherwise available for temporary use may be located at such collection and distribution machines or other designated areas. Users may request temporary use of such electric vehicles via a user interface of the collection and distribution machine, the user's mobile device or that of the electric vehicle itself. During temporary use, the user may exchange depleted portable electrical energy storage devices of the vehicle being used for charged portable electrical energy storage devices at the collection and distribution machines and may be offered the opportunity to terminate the temporary use session or continue the temporary use session in conjunction with the portable electrical energy storage device exchange.

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 approach is proposed to support typed payment graph-based electronic payment processing. First, schemas for one or more typed payment graphs used for a plurality types of electronic payment processing are defined declaratively. Upon receiving an electronic payment request from a client, a payment processing engine retrieves a schema of a typed payment graph corresponding to the request and processes the electronic payment by traversing states and edges in an instance created from the schema of the typed payment graph. The electronic payment only transitions from one state to another if a valid edge exists between them and a precondition on the edge is met by the processing results of the electronic payment at the state. While processing the electronic payment, the payment processing engine automatically generates an audit trail for the electronic payment based on its states and transitions for real time recovery and/or analysis.

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: Systems and methods include a database maintained by a financial institution that stores transaction data associated with a previous financial transaction performed via a financial account of a respective account holder, wherein the transaction data comprises a transaction location and a transaction timestamp, a spend memory processor of the financial institution that retrieves the transaction data from the database, interacts with a social linking application programming interface (API) to receive, via a network, social data from a social networking site, wherein the social data comprises a social location and a social timestamp, compares the social data to the transaction data, and creates a spend memory record based on one or more similarities between the social data and the transaction data, and a communication interface of the financial institution that provides the spend memory record to a mobile device associated with the account holder.

Abstract: Systems and methods are provided for authenticating users to accounts in connection with network transactions. An exemplary method includes receiving an authentication request associated with a transaction where the authentication request includes a credential associated with the account, and transmitting an authentication assertion request to an entity associated with the account other than an access control server (ACS) associated with an issuer of the account. The method also includes providing an authentication confirmation, in response to the authentication request, when the entity provides an authentication assertion for the transaction based on a prior authentication of the user, whereby the transaction proceeds based on the authentication confirmation and without authentication specific to the transaction.

Abstract: An easy authentication or payment is made by creating an account associated with a particular web browser or device that accesses an on-line page. Payments are made, such as for full-access viewing of an article or viewing content without visible ads, by selecting a payment button on the on-line page. Selection can be with a specific swiping motion or device motion previously defined for the user. Once selected, the payment is made without the user having to authorize or authenticate. The motion can be used independently to authorize or authenticate the user through the device.

Abstract: A method of implementing collaborative funds transfer includes receiving, by a host computer system, from an entity a collaborative funds transfer request for a relief effort to be executed within a collaborative environment. The methods further includes verifying, by the host computer system, validity of the entity, receiving funds provided to the entity via the collaborative environment, reviewing services offered within the collaborative environment, reviewing communications regarding the funds transfer within the collaborative environment, and transferring the funds to the entity.

Abstract: Among other things, embodiments of the present disclosure may be used to enable multiple entities having interests in an event (such as a transaction) to receive and view information related to the event. Entities may receive alerts and status information related to different aspects of a transaction or other event.

Abstract: Embodiments of the disclosure can include systems, methods, computer-readable media, techniques and methodologies for transactional document processing. Users can utilize documents to complete transactions. A user device, such as a point of sale (POS) device may be used to enter user information as well as capture an image of a check. A financial service server, in communication with the POS device, may forward the request to a document analysis server. The document analysis server may use the information received from the POS device to determine whether the document is approved to be used in a transaction. The document analysis server may obtain financial information from an image of the check. The document analysis server may use the user information and financial information to obtain additional information (e.g., credit history, transaction history, etc.).

Abstract: Systems and methods for enabling payment of invoices are provided. A method of creating an electronic payment transaction includes receiving location information of a user device; obtaining billing information of a user associated with the user device from a retailer according to the location information; sending a request to the user to confirm a payment amount; and in response to receiving confirmation from the user of a confirmed payment amount, creating an electronic payment transaction to deduct the confirmed payment amount from an account associated with the user and to provide a payment to an account associated with the retailer for the confirmed amount.