Abstract: In a computer-implemented method of using customer data to determine that geolocation-based fraud alerts are false positives, it may be determined that an electronic fraud alert is a geolocation-based alert generated based upon an unexpected or abnormal transaction location. In response, customer data may be obtained from two or more sources via radio frequency links. It may then be determined that the customer data from the sources indicates that a customer is traveling. In response, it may be determined that a customer location indicated by the customer data corresponds to the transaction location. In response to determining that the customer location corresponds to the transaction location, the electronic fraud alert may be marked as a false positive, and the electronic fraud alert may be prevented from being transmitted to a mobile device of the customer, in order to reduce an amount of false positives that are transmitted to customers.

Abstract: A mobile device configured for currency exchange enables a user to cause funds in a first pre-established account and denominated in a first currency to be sent to a first transaction machine to purchase funds denominated in a second currency. The mobile device electronically receives second account information after a second account is created, with the second account being created responsive to completion of the first transaction. The created second account includes the purchased funds denominated in the second currency. Accordingly, the user is enabled, subsequent to the first transaction, to select a second account module in the mobile device that has since been configured with the received second account information of the created second account. The user can thereafter cause the mobile device to send that second account information to a second, different transaction machine to perform at least a second transaction in the second currency. Other aspects are disclosed.

Abstract: A system, method, and apparatus for a funds transfer is provided. A method includes: receiving a fund transfer request from a user regarding a payee and an amount of funds to transfer to the payee; sending the fund transfer request to a computing system; receiving an identification of the payee; receiving an identification of a data collision regarding information associated with the payee and another user; prompting the user to verify that the information regarding the identification of the payee is correct; receiving an indication from a user; sending an instruction that facilitates identification of the payee by resolving the data collision by deactivating an association of at least some overlapping information with the another user; receiving a message indicating that a fund transfer corresponding to the fund transfer request has been completed; and providing a message indicating that the fund transfer has been completed.

Abstract: An improved savings education and management system includes a base unit including a processor, non-transitory computer-readable memory, a display, and buttons, wherein the base unit includes a housing which presents an appearance of an egg. A mobile unit includes a processor, non-transitory computer-readable memory, and a display. A computer server includes a processor and non-transitory computer-readable server memory storing a database including a user account, the user account having financial accounts and corresponding to the base unit and the mobile unit. The base unit includes instructions stored in the memory that present on the display information related to the user account which corresponds to the one of the buttons. The mobile unit includes mobile instructions stored in the memory that transmit an instruction to the computer server to debit one of the financial accounts.

Abstract: A transfer platform can allow users to participate in campaigns based on one or more types of user activity data and corresponding activity values set by the users. The transfer platform can receive the user activity data from one or more sources, such as user devices and data source platforms. Based on received user activity data, and corresponding activity values, the transfer platform can determine transfer amounts to be transferred from one or more source accounts to one or more destination accounts. Accordingly, the transfer platform can implement transfers based on user activity data that indicates user engagement in one or more activity types.

Abstract: A cassette for receiving and dispensing bills is disclosed. The cassette includes a sensor structured to detect a location of the cassette, and memory having stored thereon instructions that, when executed by one or more processors, cause the one or more processors to transmit the location of the cassette to a remote computing device, determine that the location of the cassette has changed, and generate an indication that the location of the cassette has changed.

Abstract: A computing system includes at least one processing circuit configured to receive first data from each cassette of a plurality of cassettes, determine, based on the first data, (i) a first location of a first cassette of the plurality of cassettes, (ii) that a fill level of the first cassette does not satisfy a threshold, and (iii) a first denomination of bills contained within the first cassette, identify a second cassette of the plurality of cassettes for replacing the first cassette based on the first location and the first denomination such that the second cassette is configured to receive and dispense bills of a similar denomination to the first cassette, and transmit a notification to a remote computing device, the notification indicating that the fill level of the first cassette does not satisfy the threshold and identifying the second cassette.

Abstract: A method is disclosed. The method comprises receiving, in an interaction by a switch computer from a second device, data associated with a machine readable code generated by a first application on a first device and provided by a first device to a second application on the second device. The method also includes determining, by the switch computer, a first server computer associated with a first application, transmitting the data associated with the machine readable code and the interaction data to the first server computer, which processes the data associated with the machine readable code and the interaction data, determining, by the switch computer, a second server computer associated with the second application, and transmitting, by the switch computer, a communication to the second server computer. The communication informs the second server computer that the first server computer processed the data associated with the machine readable code and the interaction data.

Abstract: A method for performing an auction implemented via an exchange computer system includes receiving, from a user device, a security transaction order, receiving a first matching order, initiating a delay timer that runs for a first period of time, initiating an auction timer that runs for a second period of time, determining that the first period of time has expired, notifying a plurality of market participants of an auction, receiving, during the second period of time, one or more additional matching orders, wherein each of the one or more additional matching orders includes a request for participation in the auction, determining that the second period of time has expired, and facilitating a transaction based on the security transaction order.

Abstract: According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.

Abstract: A method for performing an auction implemented via an exchange computer system, including receiving, from a user device, a security transaction order, receiving a first matching order, initiating a delay timer that runs for a first period of time, determining that the first period of time has expired, initiating an auction timer that runs for a second period of time, receiving, during the second period of time, one or more additional matching orders, wherein each of the one or more additional matching orders includes a request for participation in the auction, determining that the second period of time has expired, and facilitating a transaction based on the security transaction order.

Abstract: A payment processing method uses a credit push for disbursing funds at ATM. The process can include scanning an optical code at an ATM using a mobile device to determine creditor bank information. A debtor bank server receives a funds disbursement request and provides a credit push request to a payment rail. The payment rail communicates a credit payment transaction request to a creditor bank sever. The creditor bank server identifies the ATM using an ATM identifier provided to the mobile device via the optical code. The ATM is instructed to disburse funds by the creditor bank server. The method includes using the mobile device, or other issuer domain, authentication procedures. The funds can be disbursed by the ATM without the ATM performing any authentication procedures.

Abstract: Aspects of the disclosure relate to geocoding geocode datasets in KYC blockchain data blocks for spatial analytical risk modeling. In some embodiments, a computing platform may receive a client request to initiate a transaction with an enterprise organization. Using financial documentation and identification documentation associated with the client request, the computing platform may generate geocode coordinates and may identify a series of geographic risk factors. The computing platform may translate the geocode coordinates and the geographic risk factors into analytical overlays. The computing platform may stack the analytical overlays to generate an interactive spatial risk analysis model. The enterprise organization may use the interactive spatial analytical risk model to analyze the client request, and to determine whether to approve or deny the client request.

Abstract: Systems and techniques for facilitating card authentication technique selection via machine learning are provided. In various embodiments, a processor can access an attribute vector associated with a financial payment card. In various instances, the processor can determine, via execution of a machine learning model, whether to authenticate the financial payment card with a zero-dollar authentication technique or instead with a tokenization authentication technique, based on the attribute vector. In various cases, the processor can execute the zero-dollar authentication technique with respect to the financial payment card, when the processor determines that the financial payment card should be authenticated with the zero-dollar authentication technique.

Abstract: Methods, systems, and computer program products for implementing a payment orchestrator simulation process. A simulation initiation request including a user selected rules configuration is received at a simulation server via a simulation user interface on a user device. Rule events information associated with the simulation initiation request is obtained from a rule events server. A rule evaluation request is sent to a rules engine. Rule evaluation information associated with the rule evaluation request is obtained from the rules engine. Simulation results based on the rule evaluation information are determined. The simulation results are sent to the user device via the simulation user interface.

Abstract: An illustrative computing device may include a processor and a non-transitory memory device for storing a data structure capable of being compressed, where the data structure includes a plurality of data elements and each of the plurality of data elements includes a date field and a quantity field. The computing device may process instructions to arrange the plurality of data elements in a consecutive series in date order based on a value stored in the date field of each data element, determine whether a gap appears in the consecutive series of data elements based on a value stored in the quantity field of each element, remove the determined gaps in each of the data elements, and repeat the determining and removing steps until a predetermined criterion has been reached.

Abstract: A specialized mortgage constant calculator may include at least four different modes, each mode associated with a graphical user interface tailored to the mode and displayed on an electronic display. In addition, the mortgage constant calculator may include an adjustable table with a persistent, adjustable frame of reference and other navigational tools that facilitate use of a table that may be far larger than a display area of the electronic display.

Abstract: A learning device receives, for each target, learning data that represents the source of generation of a tensor including a plurality of elements which multi-dimensionally represent the features of the target over a period of time set in advance. When the target satisfies a condition set in advance, the learning device identifies the period of time corresponding to the condition in the learning data. Subsequently, the learning device generates a weighted tensor corresponding to the learning data that is at least either before or after the concerned period of time.

Abstract: Systems and methods provided herein may include a card replacement system. The system may include an automated teller machine in data communication with a server. The automated teller machine may include an input device; a processor; a replacement card storage containing at least one replacement card, wherein the at least one replacement cards may include a magnetic stripe and a chip; a magnetic stripe writer; a chip writer; and an embossing device. The processor may be configured to: receive a replacement card request via the input device; request replacement card information from the server; encode replacement card information onto the replacement card using the magnetic stripe writer and the chip writer; and emboss user information onto the replacement card using the embossing device.

Abstract: A currency management system excels in security, and includes legal tender as a management target. A transaction information management device (TIMD) receives first transaction (Tr) information from a user terminal, and an account information management device receives second Tr information from the TIMD. The (TIMD) receives third Tr information from the account information management device, and a currency information management device receives fourth Tr information from the TIMD. The TIMD receives fifth Tr information from the currency information management device, and the TIMD sends sixth Tr information to a user terminal. The TIMD stores in the transaction information management device the first to sixth Tr information; and the account information management device and the currency information management device receive the first to sixth Tr information from the TIMD, and store the information in the account information management device and currency information management device respectively.