Abstract: Various examples are directed to systems and methods for interfacing between a user and a computing device. The computing device may receive data describing a projected periodic savings amount and first expense data describing a first expense of the user. The first expense data may indicate an amount of the first expense and a first expense time when the first expense will be incurred. The computing device may display a graphical user interface at a display. The graphical user interface may comprise a savings shape having a size based at least in part on the projected periodic savings amount and a first expense shape having a size based at least in part on the first amount. The computing device may receive an instruction to place the first expense shape in the savings shape and may determine that the projected periodic savings amount is sufficient to fund the first expense at the first time.

Abstract: Systems and methods are provided to process payments for subscribership within a membership platform. Exemplary implementations may: obtain benefit information for content creators of a membership platform; obtain payment processor information characterizing payment processing entities; obtain transaction information characterizing requested transactions between the content creators and the subscribers; determine which of the payment processing entities should process the requested transactions; execute the requested transactions using the payment processing entities; and/or perform other operations.

Abstract: A method for managing payment submissions includes receiving, at an acquirer computing system, an authorization request submitted by a merchant computing system for a transaction of a predefined amount, the merchant computing system being associated with a merchant, and the authorization request identifying account information for an account that is associated with a payment card network and an issuer processor; and re-transmitting the authorization request for less than the predefined amount and greater than a configurable threshold value, until the authorization request is approved by the issuer processor or until the authorization request falls below the configurable threshold value.

Abstract: Systems and methods for improving the liquidity and distribution network for luxury and other illiquid items are provided. These systems and methods preferably include the trading of futures and options contracts, which will provide the liquidity and distribution network for luxury items. Possible embodiments of these systems and methods include the trading of futures and options contracts for diamonds and wine. Another embodiment of this invention preferably includes generating indexes for diamond prices, wine prices, luxury item prices, housing values, mortgage prepayments, privately-held companies or for anything with from sufficiently liquid points of value. Another embodiment of this invention preferably includes a centralized data base for retrieving closing and current auction prices for determining the value of, and best method for the auctioning of various items. The data provided by this data base would improve liquidity by creating greater price transparency.

Abstract: 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.

Abstract: A system for implementing and managing network-based, variable authentication protocols receives information relating to a digital monetary transaction. Additionally, the system accesses an initial authentication protocol dataset. The system also generates a variable authentication protocol dataset. The system then communicates the variable authentication protocol dataset to the point-of-sale computer system. The system also receives, from the point-of-sale computer system, authentication tokens. Further, the system validates the authentication tokens in view of the variable authentication protocol dataset. Further still, in response to the validation of the authentication tokens, the system processes the digital monetary transaction.

Abstract: A computer-implemented method includes providing an electronic loan application form to the graphical user interface displayed in the client device, receiving loan application data from the client device, and pre-approving a user for a lending product to form a pre-approved lending product. The loan application data includes user inputs provided via the electronic loan application form. The computer-implemented method further includes providing selectable lending product features via the graphical user interface displayed in the client device, where each of the selectable lending product features relates to one or more lending products. At least one of the one or more lending products is the pre-approved lending product.

Abstract: A method for authorization of multiple transactions using a single authentication process is described. The method includes determining that a user is an authorized user based on user credentials associated with the user; authorizing a transaction device identified by the authorized user for future electronic transactions with one or more restrictions; and providing previously stored payment card information associated with a user account of the authorized user for electronic transactions initiated at the authorized transaction device in accordance with the one or more restrictions.

Abstract: A system and method are provided for settlement and delivery of cash settled futures contracts overlying open-ended mutual fund shares with optional delivery of mutual fund shares when physical settlement is elected. On the last date of the contract, a party which has an open position in the contract tenders the clearing organization a request to elect optional physical settlement of a specified number of shares of the mutual fund in additional to the standard cash settlement of those contracts. The clearing organization, upon acceptance and when it is certain of the requestor's final position in the futures contract, it processes the election request against the requestor's final position and possibly submits an order on behalf of the requestor to the investment company which manages the mutual fund to purchase or redeem shares of the open-ended mutual fund in a quantity roughly the size of the requestor's final contract position.

Abstract: There is provided systems and method for unified payment account establishment and incorporation in a main payment account. A service provider, such as a payment provider, may offer merchants with a development kit that unifies payment methods between various merchants and the service provider so that users are provided with more easily established payment accounts with the merchants. The development kit may include an account establishment interface that may be utilized in a merchant ordering and payment application for a merchant. The interface may provide for establishment of a payment account with the merchant. When initially establishing the payment account, the user may generate a provisional account, which may be synchronized to a payment account the user has with the service provider. When synchronizing the two accounts, the user may transfer information to the merchant, which may be redacted to prevent the merchant from receiving sensitive information.

Abstract: A computer-implemented system and method for performing social network secure transactions is provided. A message with a hashtag associated with a recipient of payment and payment information including at least a payment source for a payment from a payor to a recipient is received. The message is intercepted from the social network platform for transfer to a separate payment platform. The payment information of the payor is validated and the recipient associated with the hashtag is identified using the list of recipients. The payment information is processed on behalf of the recipient associated with the hashtag using the payment source in the message from the payor.

Abstract: Commission mappings for a content producer party are generated based on tracked interactions with distributed content by content consumer computers operated by a content consumer party. The distributed content originates from content producer computers operated by the content producer party. The tracked interactions are indicative of engagement with the distributed content by the content consumer computers. The commission mappings are transformed into an aggregated commission mapping for the content consumer party and the content producer party by correlating the commission mappings to the content consumer party and the content producer party and by processing correlated tracked interactions of the commission mappings into a quantified engagement of the content consumer party with the distributed content produced by the content producer party. The aggregated commission mapping is sent via a computer network to one or more computers operated by the content consumer party or the content producer party.

Abstract: Described herein is an Internet of payments, i.e., a loosely coupled, federated architecture for electronic payment in which payers and payees interact through an Internet-based store-and-forward payment bus to complete an electronic payment. Merchants may use any payment service or gateway and any device to place a payment request on the payment bus; similarly, payers may use any payment service or gateway from any device to make a payment toward the payment request. Embodiments describe how this invention addresses different types of payments including contactless physical payments, online payments and vending machine and kiosk payments, with scenarios illustrating voluntary donations, paying a restaurant check with tips from a mobile device, automated actions at the completion of a payment (e.g., issuing a ticket by a ticketing kiosk) etc.

Abstract: A method for fraud control of a transaction account based on geolocation includes: storing, in an account database, an account profile including data related to a transaction account including a first profile rule associated with a first geographic area and a second profile rule associated with a second geographic area different from the first; receiving an authorization request for a first transaction involving a first payment card, the request including a first geographic location; receiving an authorization request for a second transaction involving a second payment card, the request including a second geographic location; determining validation for each authorization request, wherein each is determined to be valid if the geographic location is in a geographic area corresponding to the first geographic area or the second geographic area; and transmitting the determination of validation for each authorization request to a payment network for processing of the associated payment transaction.

Abstract: A sensor device for conducting electronic transactions from a vehicle including a housing including an RFID circuit operably connected to an RFID antenna, a short range communication device, the RFID circuit and short range communication device operably connected to a processor, and a power supply. The sensor device is wirelessly connectable to a mobile communication device via the Bluetooth chip and the mobile communication device runs a software application. The RFID antenna is adapted to receive a wireless signal from a transmitter. Responsive to the wireless signal, the processor causes the short range communication device to wirelessly communicate with the mobile communication device to initiate a transaction.

Abstract: A system allows for a user to notify an insurance provider or other third-party with a button press. The button can notify of an emergency situation. An event determiner may analyze information of events surrounding the button click. This information may include the time of day, location, identifying information for the insured, recent locations of the button, information from similar button presses and information from previous insurance claims. Based on this information, the event determiner may provide a high percentage estimate of an abnormal condition: home break-in, car accident, flat tire, etc. The system may automatically take action, depending on the event, such as contacting the police, sending a tow truck, or starting an insurance claim.

Abstract: A touchless method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to collect channel state information associated with a person as they pass through a sensor zone and identify a biometric signal for the person. The system detects whether there is a match between the biometric signal and any biometric signals previously collected and stored in a database. If there is a match, the system verifies an identity of the person and can be configured to automatically grant the person access to one or more services, features, or locations for which he or she is authorized based on the authentication.

Abstract: A merchant system structures communications among merchants, partners, and customers. The merchant system may include a messaging component that organizes messages so that a manager can quickly navigate and understand the content of incoming messages. The messaging system also may categorize a user's profile so that a user may share profile information established at a first merchant with a second merchant.

Abstract: Disclosed herein are system, method, and computer program product embodiments for authenticating a mobile user via an authentication method determined based on a token level associated with the action being completed. An authentication token is created corresponding to the token level and the authentication token is sent to the mobile device. This authentication token may be used to authenticate subsequent actions and engage various services to complete the actions using application programming interfaces. The authentication token stored on the mobile device obviates the need for a user to authenticate multiple times to complete actions requiring a similar token level. The system may authenticate the identity of the mobile user using various authentication methods.

Abstract: Advantageously, the invention is a competitor to money transfer systems. Conventional digital transactions facilitate electronic payment, such as money transfers, payment card charges, e-commerce transactions and other types of transactions. However, payees may be unbanked people (e.g., children) or people with no payment card (e.g., may have lost card), and payment card fund transfers may be expensive, time consuming, and cumbersome for financial institutions. Thus, there is need for an improved approach.