Fmr Corp.

Jonathan Hromi

John C McDonough

Hadley Rupert Stern

Seth Warren Brooks

Robert C Toole

Xinxin Sheng

Dmitry Bisikalo

Raghav Chawla

Amanda Chiu

Thomas Stephen McGuire

John C Mcdonough

Thomas Stephen Mcguire

The Computationally Efficient Transfer Processing, Auditing, and Search Apparatuses, Methods and Systems ('SOCOACT') transforms smart contract request, crypto currency deposit request, crypto collateral deposit request, crypto currency transfer request, crypto collateral transfer request inputs via SOCOACT components into transaction confirmation outputs. Also, SOCOACT transforms transaction record inputs via SOCOACT components into matrix and list tuple outputs for computationally efficient auditing. A blockchain transaction data auditing apparatus comprises a blockchain recordation component, a matrix Conversion component, and a bloom filter component. The blockchain recordation component receives a plurality of transaction records for each of a plurality of transactions, each transaction record comprising a source address, a destination address, a transaction amount and a timestamp of a transaction; the source address comprising a source wallet address corresponding to a source digital wallet, and the destination address comprising a destination wallet address corresponding to a destination virtual currency wallet; verifies that the transaction amount is available in the source virtual currency wallet; and when the transaction amount is available, cryptographically records the transaction in a blockchain comprising a plurality of hashes of transaction records. The Bloom Filter component receives the source address and the destination address, hashes the source address using a Bloom Filter to generate a source wallet address, and hashes the destination address using the Bloom Filter to generate a destination wallet address. The Matrix Conversion component adds the source wallet address as a first row and a column entry to a stored distance matrix representing the plurality of transactions, adds the destination wallet address as a second row and column entry to the stored distance matrix representing the plurality of transactions, adds the transaction amount and the timestamp as an entry to the row corresponding to the source wallet address and the column corresponding to the destination wallet address; and generate a list representation of the matrix, where each entry in the list comprises a tuple having the source wallet address, the destination wallet address, the transaction amount and the timestamp.

Computationally efficient transfer processing and auditing apparatuses, methods and systems

The Social Aggregated Fractional Equity Transaction Partitioned Acquisition Apparatuses, Methods and Systems, ('SAFETPA') transforms fractional equity ownership purchase request inputs via SAFETPA components into transaction confirmation outputs. A Fractional Order Generation component receives a purchase request for a fractional order of an equity via a data communication network interface from a client terminal of a client having a source of funds and having a public encryption key, determines a purchase price for the fractional order of the equity by retrieving a quote for a price of a share of the equity, confirms that the source of funds contains at least the purchase price; and generates a trade order for the share of the equity. A Fractional Order Placement component obtains the trade order from Fractional Order Generation Component, transmits the trade order to a trade execution server via the data communication network, and receives a confirmation of an execution of the trade order from the trade execution server via the data communication network. A Blockchain Recordation Component receives the confirmation from the Fractional Order Placement Component, records the confirmation, the fractional share and the public key of the client in a block data structure, records the block data structure in a blockchain, wherein each block data structure of the blockchain comprises a hash of a prior block data structure in the blockchain in order to secure the blockchain from tampering, and transmits the confirmation to the client terminal via the data communication network for display to the client.

Social aggregated fractional equity transaction partitioned acquisition apparatuses, methods and systems

A computer-implemented method is provided for opening an expedited account for a user. The method includes receiving a request from the user to make a trade associated with at least one financial instrument, in the absence of an account being opened for the user. The method includes determining a plurality of factors in response to the request, the plurality of factors including 1) a credit worthiness score of the user; 2) a source of capital identified by the user to cover the trade; and 3) a type of the at least one financial instrument associated with the trade. The method also includes opening the expedited account for the user with limited trading privileges, in which an amount of fund for trading is advanced to the user based on the plurality of factors. The method further includes allowing the user to make a trade up to the amount of fund advanced.

Methods and systems for expedited trading account funding

Methods and apparatuses are described for secure video conferencing. A server computing device receives a request to establish a video conference for a sensitive transaction from a first device associated with a user. The server authenticates the first device. The server establishes a conference between the first device and a second device of a second party to the sensitive transaction. The server transmits video images associated with cameras coupled to the first device to the second device, the images comprising a view of the user and an area surrounding the user. The server determines whether persons other than the user are present in the area surrounding the user. The server transmits an alert to the second device if persons other than the user are present, where the alert includes a prompt on the second device for the second party to confirm with the user whether the other persons are authorized.

Secure video conferencing to conduct sensitive transactions

A computer-implemented method comprising: receiving, from a device used by a user, a request to access a resource hosted by a computer system; identifying, by the computer system, a level of risk associated with the user requesting access to the resource; adjusting, by the computer system an authentication standard for access to the resource, adjusting based on the identified level of risk; determining values for authentication factors used in authenticating the user's access to the resource; applying weights to the values for the authentication factors; and determining, based on a comparison of the weighted values to the adjusted authentication standard, whether the user is authorized to access the resource.

Risk adjusted, multifactor authentication

Methods and apparatuses, including computer program products, are described for authentication using a video signature. A computing device receives a request to access a secure resource, and the request includes a first video segment comprising a plurality of visual and audio elements. The computing device analyzes one or more of the plurality of visual and audio elements in the first video segment to determine a value associated with each of the one or more analyzed elements. The computing device calculates a total score for the first video segment based upon the value associated with each of the one or more analyzed elements. The computing device compares the total score for the first video segment to a score associated with a second video segment associated with the computing device. The computing device determines whether access to the secure resource is permitted based upon the comparison step.

Authentication using a video signature

Methods and apparatuses, including computer program products, are described for secure video conferencing to conduct financial transactions. A server computing device receives a request to establish a video conference from a first client device associated with a user of the first client device. The server computing device authenticates the first client device using credential information. The server computing device establishes a video conference between the first client device and a second client device associated with a customer representative of a financial institution. The server computing device transmits video images associated with one or more cameras coupled to the first client device to the second client device, the video images comprising a view of the user and an area surrounding the user. The server computing device determines whether any persons other than the user are present in the area surrounding the user.

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Watertown, MA, United States of America

Jonathan Hromi