Abstract: A management system includes a user terminal, and a management device that manages data, wherein the management device include a memory; and a processor coupled to the memory and executes a process comprising: requesting remittance of a cryptocurrency that uses a public distributed ledger from the user terminal, upon receiving a request for accessing managed data from the user terminal, and authorizing the user terminal to access the data when a record of clearance of the remittance made by the user terminal is added to the public distributed ledger.

Abstract: A mobile device configured for currency exchange enables a user to electronically 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 a second transaction in the second currency. Other aspects are disclosed.

Abstract: Systems and/or techniques for facilitating relay attack prevention for electronic quick response (QR) codes are provided. In various embodiments, a system can determine a cardinality and a frame rate. In various aspects, the system can transmit a first electronic instruction to a mobile device, which can cause the mobile device to generate a set of interlaced frames having the determined cardinality. In various cases, the set of interlaced frames can respectively correspond to a set of portions of an electronic QR code, such that different frames from the set of interlaced frames depict different portions from the set of portions of the electronic QR code. In various aspects, the first electronic instruction can further cause the mobile device to sequentially render, at the determined frame rate, the set of interlaced frames on an electronic display of the mobile device.

Abstract: A method performed by a processor of a financial institution computing system includes allowing an account holder at the financial institution to initiate a transaction with the financial institution remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a financial institution's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepared so that the account holder can provide the proper authentication information and access the lockbox.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One the method includes receiving, by a reconciliation system, a transaction update associated with a transaction request from a transaction network. The reconciliation system may authenticate the transaction update by communicating with an authentication system. The reconciliation system may translate the transaction update into at least another format. The reconciliation system may transmit the transaction update to a notification handler. The reconciliation system may receive transaction data associated with the transaction update from a transaction query system. The reconciliation system may transmit the transaction update to a transaction requestor associated with the transaction data.

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 coupled to a first payment directory and a second payment directory; receiving an identification of the payee and a second payment directory based on the fund transfer request; receiving an identification of a data collision regarding information associated with the payee and another user; displaying information regarding the identified payee; receiving an indication from a user that the information regarding the identified payee is correct; sending an instruction that facilitates identification of the payee by resolving the data collision; and providing, via a mobile device, a message indicating that the fund transfer has been completed.

Abstract: Systems, methods, and apparatus are provided for fraud screening via smart glasses interactions during an ATM session. A smart glasses device may capture an image of an ATM environment. The ATM and the smart glasses device may be edge nodes on an edge network. An edge platform may use a fraud detection model to classify the image and compare it to stored ATM images. The model may be trained at an enterprise server and stored on the edge platform. In response to a determination of fraud at the edge platform, a fraud alert may be transmitted to the smart glasses device during the ATM session. Edge computing reduces latency to enable real-time smart glasses alerts. The smart glasses device may communicate the fraud alert to other smart glasses devices on the edge network.

Abstract: A system comprises a client module installed on a vending machine, the vending machine displaying one or more items for purchase in a first arrangement, and a purchase fulfilment subsystem. A QR code is generated by the purchase fulfilment subsystem and transmitted to the client module. A first set of signals to initiate a transaction is transmitted by the user device to the purchase fulfilment system. The purchase fulfilment subsystem transmits to the user device a second set of signals to display elements in a second arrangement. The user device transmits a third set of signals to the purchase fulfilment subsystem related to activation of an element. The purchase fulfilment subsystem transmits to the client module a fourth set of signals comprising commands to enable the vending machine to dispense an item. The client module sends one or more instructions to the vending machine to dispense the item.

Abstract: The present disclosure relates to data access management and the relates data access management system, user devices for data users and data sources, as well as to the corresponding methods. In some embodiments, a non-fungible token (NFT) registry is provided as a part of the data access management system, storing on a blockchain: source NFTs, each source NFT (sNFT) being uniquely associated with a data source; and data NFTs, each data NFT (dNFT) being attributed to one sNFT and granting access to the associated data source. The data sources may mint or request minting of the sNFT and the data users may mint dNFTs.

Abstract: Aspects of the disclosure relate to cash handling devices that provide intelligent monitoring and management of cash cycles. A cash handling device having at least one processor, a communication interface, and memory may receive, from a mobile device, a request to process a pre-staged transaction. Subsequently, the cash handling device may generate and present a graphical identifier based on the mobile device requesting access to the cash handling device. Next, the cash handling device may verify that the mobile device is authorized to perform the pre-staged transaction based on the graphical identifier being scanned by the mobile device and cause a connection to be established between the cash handling device and the mobile device. Thereafter, the cash handling device may identify and process the pre-staged transaction associated with the mobile device. Then, the cash handling device may generate a notification indicating completed processing of the identified pre-staged transaction.

Abstract: A cassette for receiving and dispensing bills is disclosed. The cassette includes a first sensor structured to detect a fill level of the cassette, a second 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 receive, at one or more time intervals, data from the first sensor indicating the fill level of the cassette, transmit the location of the cassette and an indication of the fill level of the cassette to a remote computing device, and in response to determining that the fill level of the cassette is outside of a threshold value, transmit a notification to the remote computing device.

Abstract: A system for providing a service at a self-service machine having a device identifier and that does not have internet connectivity or that is in an off-line state includes: a validation server that stores the device identifier, the validation server being in communication with a mobile device of a user, but not with the self-service machine. The self-service machine is configured to: receive a selection of a service; generate a service request identifier for the selected service; add the service request identifier to a list of service requests to be fulfilled; and communicate, to the mobile device by a first direct communication method, service request data including the service request identifier, a terminal identifier of the self-service machine, and an address of a validation server.

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: 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 system for verifying a user operating an Automated Teller Machine (ATM) sends an authentication media item to a user device associated with the user when the ATM receives a transaction request. The system receives, from the ATM, a first image of the authentication media item when the authentication media item is presented to the ATM. The system compares the first image of the authentication media item with a second image of the authentication media item stored in a user profile associated with the user. The system extracts a first unique code from the first image of the authentication media item, and a second unique code from the second image of the authentication media item. The system determines whether the first unique code corresponds to the second unique code. The system approves the transaction request if it is determined that the first unique code corresponds to the second unique code.

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 self-service terminal has a bin for storing media items. A mechanism is coupled to the bin that has a pathway for selectively conveying a media item from the bin to a dispenser. A heater device is mounted in the pathway for sanitizing the media item as it is conveyed to the dispenser. The heater device has a heating element set to a predetermined temperature and a roller driven by a motor set to move the media item past the heating element at a predetermined rate of speed. By selecting the predetermined temperature to 116° C. and the predetermined rate of speed to 181 mm/sec, 99.9999% of the viral load of a known type pathogen, i.e., SARS-CoV-2, is eliminated from the media item by the sanitization process.

Abstract: Systems, methods, and apparatus are provided for a dynamic contract payment term (“payterm”) generator. A machine learning algorithm may generate a replacement payment term for a contract based on market-based parameters and blockchain metadata for the contract. The blockchain metadata may encode hierarchical interdependencies between contracts using blockchain encryption. The blockchain metadata may be applied to auto-generate machine learning inputs for related contracts having interdependent payment terms. The machine learning inputs may include contract parameters that have been extracted and encrypted as blockchain metadata, as well as market-based parameters extracted from enterprise sources.

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 at least one aspect, a system for remotely controlling an application installed on a device is provided. The system includes at least one processor and at least one computer-readable storage medium storing instructions which program the at least one processor to identify a task for the application installed on the device to perform, transmit a binary short message service (SMS) message to the device including a task code associated with the identified task, receive an information request from the device responsive to the binary SMS message, and transmit task information to the device responsive to receiving the information request.