Abstract: A computer-implemented method includes receiving a transaction initiation request from a first user via a first computing device. A first micro-location parameter relating to a micro-location of the first computing device is received. Approval of the transaction initiation request is requested from a second user via a second computing device. Approval of the transaction initiation request is received from the second user via the second computing device. A second micro-location parameter relating to a micro-location of the second computing device is received. The transaction is approved if the micro-locations of the first and second computing devices indicate that the first and second computing devices are at least a predetermined distance from each other.

Abstract: A computer implemented method performed by a global transaction processing system includes receiving a transaction request from an originator, the transaction request includes transactional data. The method includes validating the transactional data to determine one or more parameters associated with the requested transaction. The method includes dynamically generating a transaction information request form, the transaction request form including one or more requests for specific transactional data from the originator based on the one or more parameters associated with the requested transaction. The method includes transmitting the transaction information form to the originator and receiving the requested specific transactional data from the originator.

Abstract: A system for reprogramming a transaction card may include a reprogrammable microchip transaction card, an account provider system, and a mobile device. A reprogrammable transaction card may include an embedded microprocessor chip, or integrated circuit (IC), housing various modules to provide card capabilities, such as transaction capabilities, security capabilities, and reprogramming capabilities. An account provider system may include a number of servers and computers, each equipped with storage and modules programmed with various capabilities, such as, storing cardholder data, transaction processing, and/or transaction card reprogramming. A user device may include various hardware and software components, such as a Near Field Communication (NFC) hardware and software components, one or more processors, various input/output interfaces, and/or modules, such as transaction processing modules and transaction card resetting modules.

Abstract: Disclosed embodiments provide techniques for determining a taxability status for a vehicular asset, such as an aircraft. The techniques include obtaining traffic control system information for the vehicular asset, detecting gaps in traffic control system information for the vehicular asset, and recording the gaps, computing a primary location for the vehicular asset based on the traffic control system information, and creating a vehicular asset taxability status report for the vehicular asset, where the report includes the primary location and gap information.

Abstract: Vehicle costs may be allocated between users of a vehicle, including autonomous vehicles. A vehicle cost allocation (VCA) computing device receives an anticipated trip report associated with an anticipated future trip, the anticipated trip report associated with at least one vehicle user including an anticipated driver of the vehicle and an anticipated passenger, the anticipated trip report including at least one of an anticipated destination and a distance of the anticipated future trip. The VCA computing device is also configured to determine one or more anticipated vehicle costs for the anticipated future trip. The vehicle costs may include usage-based or trip-based insurance. The VCA computing device is also configured to allocate a respective portion of the vehicle cost to the anticipated driver and passenger and transmit the anticipated vehicle costs to for review by the anticipated driver.

Abstract: Disclosed are computer implemented systems and methods for in situ inspection of a roof of a policy holder's dwelling. The inspection system establishes a baseline condition at a first point in time for the roof by scanning using one or more sensors to collect baseline condition data. The roof is scanned at a point in time subsequent to the first point in time to establish a present condition using the one or more sensors to collect present condition data. The baseline condition data and the present condition data are transmitted to a computing device which compares the baseline condition data with the present condition data to determine anomalies indicative of roof damage or deterioration and/or to determine repair needs for the roof.

Abstract: A method, system, and computer program product for automatic and remote control of NFC transaction processing. The method includes receiving transaction data associated with a transaction, automatically requesting a token associated with the transaction from a transaction processing network in response to receiving the transaction data, receiving the token from the transaction processing network, automatically and wirelessly transmitting the token from a first device to a second device via NFC in response to receiving the token from the transaction processing network, automatically transmitting the token to the transaction processing network in response to receiving the token from the first device, receiving an authorization response associated with the transaction from the transaction processing network, and determining a compatibility of an application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response.

Abstract: A mobile computing device has at least one processor and at least one memory together providing a first execution environment and a second execution environment logically isolated from the first execution environment. The following approach is taken to manage data items for an application executing the first execution environment. A trust relationship is established between a trust client in the second execution environment and a remote trusted party and the trust client receives one or more data items from the remote trusted party. On executing the application in the first execution environment, the trust client provides the data items or further data items derived therefrom to the application. Provision of these data items may be conditional upon a user authentication process. A suitable mobile computing device is also described.

Abstract: Database organizational techniques and structures may impose storage and computational limits that render particular operations too slow to effectively execute within speed guarantees (e.g. allowing a function to be completed within 300 ms). Thus, sometimes it is inefficient to access and maintain certain data, particularly in large data environments. One such environment relates to event logging for security, fraud, and risk purposes. When hundreds or thousands of events can occur in short time periods, database queries can be slow. By using particular algorithms and data structuring, however, event log data can be utilized in a flexible and speedy manner in various embodiments that may still enable service guarantees to be met. In some cases, this may involve updating one or more event counters for one or more particular periods of time, which may be indicative of event velocity (i.e. how often certain events are occurring).

Abstract: The invention relates to a mobile device that makes payment for items without having to physically interact with a cashier terminal, the mobile device comprising: a memory that stores data associated with an account and a user; a microprocessor, coupled to the memory, programmed to perform the following: detect the mobile device entering a merchant location; activate a precheck feature on the mobile device upon the mobile device entering a merchant location; identify one or more items for checkout based on a sensor corresponding to each item; calculate a total amount for the one or more items; automatically initiate a charge for the total amount when the mobile device departs the merchant location; and deduct the total amount of the charge from a funding source.

Abstract: In an example, a method includes determining, by a computing device, a proximity of a user to a point of interest. The method also includes determining, by the computing device, a fee to the user based on the proximity of the user to the point of interest, where the fee varies based on the proximity of the user to the point of interest. The method also includes initiating, by the computing device, an electronic transaction based on the fee.

Abstract: Apparatus and methods for creation of multiple configurable payment mechanisms within a single pre-funded electronic payment device are provided herein. An example payment device includes a body portion, a memory associated with the body portion and containing a first stored value application having a first application balance and a second stored value application having a second application balance, and a processor associated with the body portion and coupled to the memory. The processor can perform a load transaction in an amount equal to the first application balance, and restrict any payment transaction carried out via the first stored value application to a payment transaction wherein the recipient consists of user-selected entities. The processor can also perform a load transaction in an amount equal to the second application balance, and preclude performance of payment transactions prior to depletion of the first application balance.

Abstract: The invention relates to a digital card comprising: a memory that stores data associated with an account and a user; a sensor that detects a user's fingerprint to identify the user; a display on the digital card that displays an identification associated with the user and a card number upon activation of the digital card responsive to the user's fingerprint; a microprocessor, coupled to the memory, sensor and the display, programmed to perform the following: monitor spend activity on the digital card; determine the user's credit worthiness based at least in part on the monitored spend activity; and automatically update the display on the digital card responsive to the user's credit worthiness and spend activity.

Abstract: A self-service check cashing system and method which performs preliminary tests on a check to reduce queue length at attendant check cashing stations. An example method includes obtaining an amount of a check from a customer by the self-service terminal, obtaining information from an image of a check by the self-service terminal, performing a plurality of tests by the self-service terminal, including tests using the information from the image to determine whether the check was properly completed; and displaying instructions to the customer by the self-service terminal to go to an attendant terminal to complete a second phase of the check cashing transaction when the self-service terminal determines that the test results were positive.

Abstract: Techniques directed to performing a cardless payment transaction based on a geographical location of a mobile device are described. The techniques may include displaying a user interface with a list of merchants that are proximate to the mobile device. User input may be received to enable automatic check-in with a merchant. The techniques may further include determining that the mobile device is within a particular distance to the merchant and sending an indication to carry out a cardless payment transaction with the merchant.

Abstract: In one embodiment, a method includes receiving, at a third-party payment application integrated with a native wallet application executing on a mobile device, a payment request and a near-field communication code received from a payment terminal associated with a merchant. The mobile device includes secure elements accessible by the third-party payment application based on a processor of the mobile device being in a secure mode. The method includes authenticating a user through a secure subsystem executing on the mobile device. The method includes facilitating payment between the user and the merchant through a third-party payment server based on the authenticating the user and identifying a loyalty program status associated with the merchant. The method includes updating the payment request with the loyalty program to generate an updated loyalty program status. The method includes displaying a user computing device, comprising the updated loyalty program status.

Abstract: A system and method are provided for modifying how market updates are provided in an electronic trading environment upon detecting one or more triggering events. One example method includes defining an event to be used to trigger modification of how market updates are provided to a client entity, receiving a market update from an electronic exchange, and, when the event is detected, modifying how the market update is provided to the client entity. As an example, the modification of how the market update is provided to the client entity may include providing less data in relation to market updates, and sending the market updates less frequently.

Abstract: A method and apparatus for facilitating access to credit scores in an enterprise system. A request that includes a context resource identifier may be received at a proxy server from a client. The proxy server controls access to a resource associated with an interface that is referenced by the context resource identifier using a profile that is dynamically built for a user of the client based on a plurality of resource profiles received from a plurality of interfaces in communication with the proxy server. The proxy server sends a response generated by the resource to the client. The response includes a credit score for an entity that is based on a current financial state of the entity. Controlling access to the resource based on the context resource identifier and the profile for the user increases a speed of access to the resource in the enterprise system.

Abstract: Integrating third-party applications and native applications allows platform designers to provide greater services than otherwise would be available. This integration can increase security, provide more features, and give users a better experience with devices. Examples of such integration can allow third-party applications to have access to hardware and to provide seamless services to users. Such services can include registering payment accounts, allowing for loyalty programs, and providing additional information and services in native applications to provide a seamless experience.

Abstract: Embodiments of the invention are directed to a system for managing financial tokens associated with a financial account, whereby the system is directed towards generating and authenticating tokens associated with the financial account in order to grant access to a user to conduct financial transactions on the financial account using an Automated Teller Machine (ATM). The system is configured to generate a server token that is associated with at least one financial account; communicate, to a first mobile device, a server packet comprising at least the server token; receive, from an ATM, a security packet comprising at least a device token; authenticate the device token, the authentication comprising comparing the device token with the server token, thereby resulting in a successful authentication of the device token; and communicate the successful authentication to the ATM.