Abstract: A method for touchless communication between an ATM and a smartglasses device worn by a user is provided. The method may be executed at the smartglasses device. The method may include identifying a current global positioning system (“GPS”) location of the ATM. The method may include communicating with an external database to determine an ATM identifier associated with the ATM. The ATM identifier may include ATM communication data. The method may include transmitting an external smartglasses identifier to the ATM via the ATM communication data. The method may include receiving a communication from the ATM. The communication may include an interactive payment interface. The method may include displaying the interactive payment interface on the smartglasses. The method may include receiving one or more commands from the user. The method may include transmitting the one or more commands from the smartglasses to the ATM.

Abstract: Embodiments provide methods, and server systems for performing a combined transaction for one or more scheduled transactions. The method is configured to generate one or more machine readable codes for the one or more scheduled transactions through a first transaction terminal, where each machine readable code is associated with a scheduled transaction of the one or more scheduled transactions. Further, the method includes generating a composite machine readable code based on the one or more machine readable codes. The generation of composite machine readable code further include, at least one authentication attribute of an assignee. The method, furthermore, includes receiving a second transaction request through a second transaction terminal. The second transaction request includes the composite machine readable code.

Abstract: A wireless tag is integrated into a reusable bag. The tag is registered to a payment account. During a transaction, a unique identifier for the tag is wirelessly acquired from the bag and linked to the payment account. When checkout for the transaction is required, the transaction price for the transaction is charged against the linked account without requiring any additional payment screens or payment interfaces at a transaction terminal where the transaction is being processed. In an embodiment, custom use, price, item type, store type, and/or weight restrictions with respect to the transaction and registered with the tag are enforced during checkout by the transaction terminal.

Abstract: One or more implementations of the present specification provide a method and apparatus for starting a smart contract, an electronic device, and a storage medium. The method is applied in a blockchain node, and can include: running a timing start logic defined in a chain code, the timing start logic configured to determine a start moment of a target smart contract, and start the target smart contract when a current moment reaches the start moment.

Abstract: An automated teller machine includes a main body; a customer service unit; a deposit/withdrawal unit to separate and stack medium; a tray unit for transferring the medium while reciprocating between the deposit/withdrawal unit and the customer service unit; and a throat unit providing a transfer path of the tray unit. The tray unit includes: a tray bottom plate forming a bottom surface of the tray unit, and a tray rib protruded from a lower surface of the tray bottom plate. The throat unit includes a throat bottom plate forming a bottom surface of the throat unit, and a support member protruded from the throat bottom plate. The tray rib and the support member are arranged without interferring with each other, and overlapped with each other in at least parts of the tray rib and the support member when viewed from a side of the ATM.

Abstract: The embodiments of the present disclosure provide a method for selling a commodity, a vending machine and a storage medium. The method includes: acquiring an image of eyes of a user, determining based on the image of eyes a gaze point of the user within a commodity displaying plane matching a vending machine; determining, based on position coordinates of at least two commodities in the commodity displaying plane and the gaze point, an expected commodity corresponding to the user; providing commodity indication information of the expected commodity to the user; and in response to detecting purchase confirmation information fed back by the user for the commodity indication information, guiding the user to use at least one biological characteristic to finish payment for the expected commodity.

Abstract: A vehicle communication and control system includes a servicing host capable of exchanging data with a vehicle. The servicing host provides a vehicle service and includes a service identifier (ID) that indicates the vehicle service. The vehicle is configured to actively detect the service ID and to determine the vehicle service in response to detecting the service ID. The vehicle and the servicing host establish a wireless connection to exchange data and automatically initiate the vehicle service in response to detecting the service ID.

Abstract: A payment method, apparatus, and device are provided. The method includes: determining, according to geographical location information of a user, a third-party payment institute corresponding to the user's location, obtaining, through a payment server, a payment account of the third-party payment institute compatible for a local transaction, and scanning a barcode to complete a payment using the payment account. During the payment process, a DOI including information of the payment account is presented to a merchant, and the merchant extracts the payment account therein, and forwards order information and the payment account to the third-party payment institute. The third-party payment institute identifies the payment account and forwards the same to the payment server. The payment server identifies a user identity corresponding to the payment account, and then completes the payment process.

Abstract: The present invention discloses a method for proving digital assets of a transaction platform. An asset transaction platform and a server are involved. The method for proving digital assets of the transaction platform comprises: step 1: taking snapshot of a user identity and a user assets amount of each of all users by the sever; step 2: exporting the snapshots of the user identity and the user assets amount into a user asset list; step 3: setting mathematical hash functions; step 4: generating a merkle tree by using a string combined hash value of each of the users as a leaf node, and storing the merkle tree; and step 5: verifying valid user provisions and the total amount of assets of all users on the transaction platform, and drawing a conclusion.

Abstract: A device configured to send a service request identifier, an automated teller machine (ATM) identifier, and service information to a user device that is associated with a service provider. The device is further configured to receive service equipment information that includes a service equipment identifier for service equipment for servicing the ATM. The device is further configured to receive the service request identifier, a scanned ATM identifier, and a scanned service equipment identifier from the user device. The device is further configured to send an authorization to the service provider to perform a service on the ATM in response to determining that the scanned ATM identifier matches the ATM identifier that is associated with the service request identifier and determining that the scanned service equipment identifier matches the service equipment identifier that is associated with the ATM identifier.

Abstract: An automated teller machine (ATM) is provided. The ATM includes a network interface. The ATM includes an authentication circuit configured to receive data indicative of an interaction with the ATM by a user, detect that an individual computing device is in proximity to the ATM, determine that the individual computing device is not associated with a financial account, display a prompt comprising instructions to bind the individual computing device of the user to the financial account, receive data comprising a unique identifier of the individual computing device of the user, bind the individual computing device to the financial account based at least in part on the received unique identifier of the individual computing device of the user, and transmit, to the individual computing device, an application authorization, the application authorization authorizing an application to complete operations associated with the financial account via the bound individual computing device of the user.

Abstract: Automated conversion of incompatible data files into compatible benefit packages for a pharmacy benefit management (PBM) platform. In an embodiment, client files, comprising representations of benefit plans, are received. Each representation comprises a plurality of field values. For each representation, a layout and a set of translation rules are received, the plurality of field values in the representation are mapped to a plurality of attribute values based on the layout, and a benefit package, comprising a plurality of components, is generated by applying the set of translation rules to the plurality of attribute values, such that the benefit package represents the benefit plan.

Abstract: A system and method for layered authorization to manage a payment wallet for in-vehicle payments that include executing a vehicle connect application that allows a user to interface with a vehicle through a portable device. The vehicle connect application includes the payment wallet that is configured to be used to provide in-vehicle payments. The system and method also include determining if a plurality of layered authentication processes are successfully completed. The system and method further include allowing access and usage of the payment wallet through the vehicle connect application to complete the in-vehicle payments based on determining the successful completion of the plurality of layered authentication processes.

Abstract: A computerized processing system includes a communication interface configured to receive, from a user device, inputs defining rules for calculating reimbursements for healthcare services and receive historical claims data. The historical claims data includes a plurality of claims submitted to an insurance provider over a previous predetermined period. A contract development module is configured to generate a contract based on the inputs; match the claims in the historical claims data to respective ones of the rules in the contract as defined by the inputs; calculate costs associated with the contract using the claims in the historical claims data and the rules; and output, for display via a user interface, a report including the calculated costs associated with the contract.

Abstract: Systems and methods of remotely configuring a transaction based, in part, on location information for execution by a computing device associated with a financial institution computing system include a backend system configured to receive location information associated with a user device, determine the location information associated with the user device matches a location configured for pre-staging an ATM transaction, transmit an ATM pre-stage authorization signal to the user device, transmit an authentication decision to the user device, and transmit a transaction code to the user device.

Abstract: Methods and systems for performing a pre-staged transaction, such as a cash withdrawal by a user or a user's surrogate, employ a host server that receives pre-staged ATM transaction data via a first communication channel from a user's mobile device and sends a first unique authentication token via a second communication channel to the user's mobile device processor. An ATM processor receives entry of a pre-staged ATM transaction request and the first unique authentication token and sends the entered pre-staged ATM transaction request and first unique authentication token to the host server for validation, which validates the received pre-staged ATM transaction input data and the entered first unique authentication token.

Abstract: A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider 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 provider'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 prepped so that the account holder can provide the proper authentication information and access the lockbox.

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 prepped so that the account holder can provide the proper authentication information and access the lockbox.

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 system, method, and apparatus for a funds transfer is provided. A method includes receiving a fund transfer request from a user, the fund transfer request comprising a token regarding a payee and an amount of funds to transfer to the payee, wherein the user and the payee are members of different payment directories; sending the fund transfer request to a federated directory management system, wherein the federated directory management system is communicably and operatively coupled to the payment directories; receiving, by the mobile device, an identification of the payee and the payment directory associated with the payee based on the token from the federated directory management system; displaying a message indicating that the fund transfer has been completed; and performing a mobile device action, wherein the mobile device action depends on contents of the message.