A method and system for managing financial risk through the use of postpaid processing during use of wireless services is presented within the scope of the following invention. The present invention uses credit card authorization to pre-reserve credit card funds for wireless services in excess of planned usage. Authorizations eliminate the credit risk associated with overages and payment timing, and also maintain a customer experience identical to postpaid processing. The authorizations are invisible to the customer and no charge is brought to a customer's credit card until the monthly bill is settled. Separating the authorization and settlement stages of retail wireless payment processing allows the branded wireless provider to avoid inherent areas of credit risk during the tenure of a customer's wireless service, while maintaining a familiar customer experience.

A method and system for managing financial risk through the use of postpaid processing during use of wireless services is presented within the scope of the following invention. The present invention uses credit card authorization to pre-reserve credit card funds for wireless services in excess of planned usage. Authorizations eliminate the credit risk associated with overages and payment timing, and also maintain a customer experience identical to postpaid processing. The authorizations are invisible to the customer and no charge is brought to a customer's credit card until the monthly bill is settled. Separating the authorization and settlement stages of retail wireless payment processing allows the branded wireless provider to avoid inherent areas of credit risk during the tenure of a customer's wireless service, while maintaining a familiar customer experience.

Transaction-enabled systems and methods for royalty apportionment and stacking are disclosed. An example system may include a plurality of royalty generating elements (a royalty stack) each related to a corresponding one or more of a plurality of intellectual property (IP) assets (an aggregate stack of IP). The system may further include a royalty apportionment wrapper to interpret IP licensing terms and apportion royalties to a plurality of owning entities corresponding to the aggregate stack of IP in response to the IP licensing terms and a smart contract wrapper. The smart contract wrapper is configured to access a distributed ledger, interpret an IP description value and IP addition request, to add an IP asset to the aggregate stack of IP, and to adjust the royalty stack.

Transaction-enabled systems and methods for royalty apportionment and stacking are disclosed. An example system may include a plurality of royalty generating elements (a royalty stack) each related to a corresponding one or more of a plurality of intellectual property (IP) assets (an aggregate stack of IP). The system may further include a royalty apportionment wrapper to interpret IP licensing terms and apportion royalties to a plurality of owning entities corresponding to the aggregate stack of IP in response to the IP licensing terms and a smart contract wrapper. The smart contract wrapper is configured to access a distributed ledger, interpret an IP description value and IP addition request, to add an IP asset to the aggregate stack of IP, and to adjust the royalty stack.

The present disclosure describes transaction-enabling systems and methods. A system can include a facility including a core task including a customer relevant output and a controller. The controller may include a facility description circuit to interpret a plurality of historical facility parameter values and corresponding facility outcome values and a facility prediction circuit to operate an adaptive learning system, wherein the adaptive learning system is configured to train a facility production predictor in response to the historical facility parameter values and the corresponding outcome values. The facility description circuit also interprets a plurality of present state facility parameter values, wherein the trained facility production predictor determines a customer contact indicator in response to the plurality of present state facility parameter values and a customer notification circuit provides a notification to a customer in response.

Media, methods, and systems are disclosed for applying a computer-implemented model to a table of computed values to identify one or more anomalies. One or more input forms having a plurality of input form field values is received. The input form field values are automatically parsed into a set of computer-generated candidate standard field values. The set of candidate standard field values are automatically normalized into a corresponding set of normalized field values, based on a computer-automated input normalization model. An automated review model controller is applied to automatically identify a review model to apply to the set of normalized field values, based on certain predetermined target field values. The automatically identified review model is then applied to the set of normalized inputs, and in response to detecting an anomaly, a field value is flagged accordingly.

A method, apparatus and computer program product are provided for validating electronic distribution transactions and reducing non-compliant electronic distribution transactions. A distribution application enables users to enter details relating to a retirement account distribution. A tax service integrated with the distribution application provides scenario-specific tax withholding information, and enforces relevant tax withholding rules. A user provides withholding information and the system ensures compliance by validating the transaction against the withholding rules. The system displays to the user any errors that need to be corrected, and a breakdown of the proceeds from the transaction. The tax service is implemented remotely from the distribution application so that changing tax regulations may be implemented into the tax service without impacting the distribution application. The tax service may utilize a customer's state of residence, age (and/or date of birth), and citizenship status to calculate and validate tax withholding information and required minimum distribution rules.

A method, apparatus and computer program product are provided for validating electronic distribution transactions and reducing non-compliant electronic distribution transactions. A distribution application enables users to enter details relating to a retirement account distribution. A tax service integrated with the distribution application provides scenario-specific tax withholding information, and enforces relevant tax withholding rules. A user provides withholding information and the system ensures compliance by validating the transaction against the withholding rules. The system displays to the user any errors that need to be corrected, and a breakdown of the proceeds from the transaction. The tax service is implemented remotely from the distribution application so that changing tax regulations may be implemented into the tax service without impacting the distribution application. The tax service may utilize a customer's state of residence, age (and/or date of birth), and citizenship status to calculate and validate tax withholding information and required minimum distribution rules.

A post-trade aggregation system for financial instrument trading systems, wherein a trader manages a plurality of trade orders to be executed by one or more executing brokers on behalf of customers via a data interface system. The plurality of trade orders includes at least one wrap block order and at least one institutional block order. The plurality of trade orders are merged into a single merged block order, apportioned into a plurality of smaller electronic trade orders, and transmitted to a plurality of order destinations. One or more computer systems are in electronic communication with the data interface system and with a clearing system, and configured to compress individual executions from the plurality of order destinations corresponding to the plurality of smaller electronic trade orders into a single net marked-up step-out for wrap orders and a single average-priced block for institutional orders.

The present disclosure describes transaction-enabling systems and methods. A system can include a controller and a fleet of machines, each having at least one of a compute task requirement, a networking task requirement, and an energy consumption task requirement. The controller may include a resource requirement circuit to determine an amount of a resource for each of the machines to service the task requirement for each machine, a forward resource market circuit to access a forward resource market, and a resource distribution circuit to execute an aggregated transaction of the resource on the forward resource market.