Some aspects relate to technologies for probabilistic account linking, for instance, to perform fraud detection on online transaction platforms. In accordance with some configurations, linking strategies are defined for linking accounts based on account attributes. An average linking probability is generated for each linking strategy using account data for accounts on an online transaction platform, and the average linking probabilities are stored. To determine whether to link two accounts, linking strategies shared by the two accounts are identified, an account linking probability for the two accounts is generated using the average linking probabilities for the linking strategies shared by the two accounts, and the account linking probability is compared against a threshold. If the account linking probability satisfies the threshold, the accounts are linked and an action is taken based on the account linking.

Systems and methods relate to an automated teller machine (ATM) associated with a provider institution computer system. The ATM system includes a processor and a memory having instructions thereon that cause the processor to: receive, via an input device and in a first instance, a first user input from a user of the ATM regarding a first transaction; identify at least: one or more factors associated with the user, and user account data; in a second instance subsequent to the first instance, provide a second transaction including one or more products, the products determined based on at least the factors associated with the user and the user account data; and cause a graphical user interface (GUI) of the ATM to display the products. The ATM may also include a storage repository to store non-monetary media and a card preparation apparatus to convert the non-monetary media into a transaction media.

A system and method for facilitating cross-border financial transactions through a money movement transaction marketplace. The system allows users to trade cross-border transaction requests, matching complementary payment needs to enable conversion into domestic equivalents. It includes a matching engine for identifying transaction pairs, a conversion module for domestic settlement, and a compliance framework supporting Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols. The marketplace reduces costs by enabling peer-to-peer trading of transactions, bypassing intermediaries and standard currency conversion processes. The system supports dynamic exchange rate determination, multi-currency operations, and integration with financial institutions via standardized Software System's Interfaces (e.g., APIs). Secure communication, encrypted data handling, and fraud detection mechanisms ensure compliance and reliability. By addressing inefficiencies in traditional cross-border systems, the invention promotes financial inclusion and aligns with global goals to provide accessible, cost-effective solutions for underserved populations while ensuring transparency and scalability in cross-border payments.

A Universal Decentralized Banking, Wallet, Vault and BEISIGN Secure Clearing System is disclosed, integrating AI Governance, Asset Tokenization, and an Integrated Domain Ecosystem. This system establishes a robust blockchain-based financial architecture for individuals, institutions, and governments, ensuring infinite scalability, dynamic growth, and enhanced security. A Master AI Protocol autonomously manages financial operations, including risk assessment, dynamic asset valuation, anomaly detection, and governance proposals. The system supports comprehensive asset tokenization into NFTs for diverse real-world and digital assets, enabling fragmentation and use as collateral. Crucially, a novel BEISIGN Secure Clearing System replaces traditional SWIFT/switch codes by providing a privacy-preserving dual confirmation layer for transactions, enhancing security, privacy, and efficiency in clearing and settlement. An Integrated Domain Ecosystem binds curated domain names (e.g., BEISIGN.com, ATMS.com) to core smart contracts, digital identities, and tokenized assets, serving as trusted operational entry points and enhancing brand protection. This invention delivers a highly secure, private, scalable, and autonomous banking solution with significant cost reduction and enhanced trust.

Systems and methods may generally include creating a notification scheme for alerting delegates for a user. An example method includes creating a data store including one or more delegates associated with one or more intervention alert trigger events. Transaction data may be received and based on the transaction data and the trigger events, one or more triggered events may be determined. Based on the triggered events(s), notification messages may be transmitted to one or more particular delegates and response message(s) may be received. In some examples, priority data may be received setting how individual delegates receives notifications or setting how notification messages are transmitted to multiple delegates associated with the same triggered event.

The present invention discloses a system and method for processing trade finance documents and performing automated compliance screening. The system comprises a computing device, and a database for storing trade finance documents. The system processes documents using OCR to extract text and positional data, generating structured document representations via a layout-aware AI model. An AI classifier module categorizes documents based on content, layout, and domain-specific roles, while a semantic verification module aligns document data with master Letter of Credit templates. A rule management module validates compliance against international trade standards, and a financial crime risk control module performs real-time checks against external sanctions, vessel, and dual-use goods databases. The system further determines and reports discrepancies, anomalies, and compliance issues. The system supports heterogeneous layouts, multi-language documents, and integration with banking APIs.

Various examples, systems and methods are disclosed relating modeling exchanges. One system is a data processing system including memory and processing circuits configured to maintain an operating account data structure including a plurality of funds of a recipient provider. The processing circuits further configured to receive, from a sender provider computing system, a signed exchange package for an exchange of funds. The processing circuits further configured to model the signed exchange package using a first controlling framework to generate an exchange flag, the exchange flag is generated based on a detection of a discrepancy. The processing circuits further configured to freeze the funds by routing the signed exchange package from the operating account data structure to an escrow wallet. The processing circuits further configured to monitor the funds within the escrow wallet. The processing circuits further configured to process a controlled release of the funds.

A method may include: receiving a request to deposit an encrypted amount of deposit tokens from an institutional investor; generating a stealth address for the institutional investor; encrypting claims for the institutional investor; posting the encrypted claims to an encrypted claims result smart contract, wherein the encrypted claims are mapped to the stealth address on a privacy-preserving blockchain; establishing the encrypted amount of deposit tokens on-chain at the stealth address; receiving an encrypted amount of a first fund and an encrypted amount of a second fund from the stealth address; and atomically transferring the encrypted amount of the first fund and the encrypted amount of the second fund to the stealth address, and deposit tokens for the encrypted amount of the first fund and the encrypted amount of the second fund to a fund manager for the first fund and a fund manager for the second fund, respectively.

A system includes one or more processors to generate a node graph; determine a first node of the node graph comprises a fraudulent flag indicating a first entity of the first node facilitated a fraudulent transaction; responsive to the determination, identify a set of nodes of the node graph responsive to each node of the set of nodes having a direct transaction edge connection with the first node within the node graph or an indirect transaction edge connection with the first node via at least one node directly connected with the first node; generate a fraudulent flag in a subset of the set of nodes responsive to determining each node in the subset satisfies a matching policy; and generate a record identifying the first node and each node of the subset of nodes.

Methods and systems for responding to prompts related to financial events are described herein. A method performed by a server system includes determining, by a Large Language Model (LLM) associated with the server system, a prompt intent based, at least in part, on a prompt from a user. The method includes determining a prompt type of the prompt based, at least in part, on the prompt intent. The method includes identifying, by the LLM, prompt attributes associated with the prompt. The prompt attributes indicate information describing financial events associated with an entity. The method includes extracting relevant information associated with the entity from a database based on the prompt intent, the prompt type, and the prompt attributes. The method includes generating, by the LLM, a prompt response based, at least in part, on the relevant information and the prompt intent. The method includes transmitting the prompt response to the user.