Systems and methods are provided for efficiently processing withholding payments for constructive dividends. A party that receives constructive dividend payments also has a corresponding short position in a withholding financial instrument. A clearing house computer system adjusts the value of a withholding financial instrument in response to receipt of constructive dividend payments. The clearing house computer system determines a variation margin amount for the short party and processes a variation margin payment from the short party to a withholding account through the variation margin settlement system.

Systems and methods are disclosed herein relating to payment processing systems. Payment processing systems facilitate financial transactions between customers and vendors. Cash-enabled payment processing systems facilitate transactions by those without bank accounts or who choose to use a cash-based system. Communication between vendors and customers simplifies invoicing and encourages payment.

A method including receiving a request based on a sender initiating a funds transfer, wherein the funds transfer is for the sender to make a payment to a non-financial institution. The sender has a sender account at a sender financial institution. The method also can include obtaining sender identifying information from the sender. The method additionally can include sending at least a recipient public identifier and a payment amount for the payment to the sender financial institution to cause the sender financial institution to send a funds transfer request to a computer-implemented funds transfer network to initiate the payment from the sender account at the sender financial institution to a recipient account at a recipient financial institution. The funds transfer request does not include an account number of the recipient account. The computer-implemented funds transfer network is operated by an entity that is different from the recipient financial institution and the sender financial institution. Other embodiments are disclosed.

A method for facilitating identification of duplicate data from substantially similar datasets is disclosed. The method includes receiving transaction data from a source, the transaction data including a transaction record that relates to substantially similar electronic fund transfers; marking the transaction record based on a first criterion; retrieving, based on a result of the marking, information that correspond to the transaction record, the information relating to historical data for a predetermined period of time; tagging the transaction record based on a second criterion and the retrieved information; and determining whether the transaction record is marked and tagged.

Systems (100, 900), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110′, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.

Tracking account positions in a real-time payments system is provided. Each of a plurality of participants is linked to a funding agent account via an ACH network, thereby creating a plurality of linked participants. Each of the plurality of linked participants is provided access to a current prefunded position of the funding agent through the ACH network. An unsettled financial position of each of the plurality of participants is compared to the current prefunded position of the funding agent. A determination is made whether to perform a financial settlement for a corresponding one of the plurality of participants based on the comparison. The financial settlement for the corresponding participant is performed when it is determined that the unsettled financial position of the corresponding participant is not greater than the current prefunded position of the funding agent.

Electronic transfers of value may be secured via verification of locations of parties, and/or progressive trust building, while maintaining privacy of sensitive personal information of parties via separate communications by parties with a payment network server. Locations may be fixed geolocations, proximities, and/or positions relative to markers/beacons that are in motion. Transfers may be made from party to party, party to place and place to party, and/or party to a virtual point-of-sale at a place. Transferred items may be electronic funds in fiat and/or crypto currencies, Non-Fungible Tokens (NFTs)/data associated NFTs, electronic data, and/or securities/financial instruments, for example. Transactions may be multiparty and may comprise multiple exchanges of value.

A payment processing system includes a user terminal, a merchant terminal, an account institution, a settlement institution and an acquiring institution. The user terminal is configured to send transaction information; the account institution is configured to generate a transaction order and send it to the settlement institution, and the settlement institution is configured to forward it to the acquiring institution; the acquiring institution is configured to process the transaction order and send the order processing result to the settlement institution, and the settlement institution is configured to forward the result to the account institution; the account institution is configured to deduct user funds according to the result and send payment result notification information to the settlement institution, and the settlement institution is configured to forward the notification to the acquiring institution; and the acquiring institution is configured to send a payment result to the merchant terminal.

Through the present invention, game players can auction or transact game objects under their game accounts, such as roles, props, services, etc. The management of game account trading through the trading platform will also protect the safety of game object transactions. In addition, players can also take advantage of the functions of the present invention to manage their auctions and negotiate prices.

Systems and methods for generating one or more comparative features for machine learning based classification are disclosed. A system may be configured to obtain time series data and forecast one or more predicted values based on the time series data. The system may also be configured, for each predicted value of the one or more predicted values, to compare an actual value of the time series data to the predicted value and generate a comparative value of a comparative feature based on the comparison. The comparative feature is to be provided to a machine learning model for a classification task associated with the time series data. The classification task may include determining whether one or more data values in the time series data is fraudulent based on the comparative feature.