Abstract: The invention relates to a customer authentication system that comprises: identifying a customer identification based on a customer input; using the customer identification, identifying a plurality of IoT devices associated with the customer where the customer has an authentication set of IoT devices; receiving a user selection of IoT devices; determining whether the user selection matches the authentication set of IoT devices; connecting to one or more of the user selected IoT devices; transmitting a request to one or more of the user selected IoT devices for user interaction data; and verifying user activity based on the user interaction data.

Abstract: Systems and methods for digital wallet transit payments are disclosed. According to one embodiment, a method for managing transit payments using a digital wallet may include (1) receiving, at a receiver associated with a vehicle and at a first vehicle location, a first communication from a mobile electronic device associated with a traveler comprising an identification of a payment instrument from a traveler's digital wallet, the first communication received before the traveler begins a trip in the vehicle; (2) receiving, at the receiver and at second vehicle location, a second communication from a mobile device at a conclusion of the trip; (3) a computer processor calculating a fare based on a travelled distance between the first vehicle location and the second vehicle location; and (4) the computer processor automatically submitting a transaction request for the fare to an issuer of the payment instrument.

Abstract: The invention relates to a mobile device that enables a user to send a digital charitable donation to a charity as a standalone transaction. The mobile device comprises: a memory that stores data associated with an account and a user; a microprocessor, executing a mobile application, the processor coupled to memory and programmed to: identify whether the mobile device is near the charitable organization based on location proximity (e.g., geofence or other boundary); display a prompt on the mobile device to send a digital donation to a receiving device associated with the charitable organization in response to the mobile device's proximity to the charitable organization; identify a donation amount for the charitable organization; receive a confirmation message informing the charitable organization of the donation; and debit the donation amount from an account associated with the user.

Abstract: Systems and methods for managing token-based transactions are disclosed. According to one embodiment, a method for managing token-based transactions may include (1) a token manager server comprising at least one computer processor receiving, from a customer, a request to provide a payment token to a merchant; (2) the token manager server receiving, from the customer, an identification of a first financial instrument and a second financial instrument to associate with the payment token; (3) the token manager server receiving, from the customer, an allocation of a transaction between the first financial instrument and the second financial instrument; (4) the token manager server generating the payment token and associating the payment token with the first financial instrument and the second financial instrument; and (5) the token manager server providing the payment token to the merchant.

Abstract: Systems and methods for identifying financial transaction opportunities for individualized offers are disclosed. In one embodiment a method for offering rewards to a customer of a financial institution may include (1) a server comprising at least one computer processor identifying a customer spending opportunity for a customer to use a financial instrument issued by a financial institution to conduct a transaction involving the customer spending opportunity; (2) the server determining an incentive to offer the customer for using the financial instrument issued by the financial institution to conduct the transaction involving the customer spending opportunity; and (3) the server communicating the incentive to an electronic device associated with the customer.

Abstract: Systems and methods for conducting neural process-based transactions are disclosed. According to one embodiment, a system for conducting a neural-based transaction may include a brainwave sensing device that detects brainwave activity for a user; a point of transaction comprising a point of transaction computer processor in communication with the brainwave sensing device; and a back end comprising a back end computer processor that is in communication with the point of transaction. The brainwave sensing device may sense brainwave activity for the user. The back end may receive the brainwave activity sensed by the brainwave sensing device, and may identify an action associated with the brainwave activity. The back end may then communicate the activity to the point of transaction, which may execute the action.

Abstract: A system controls a transaction from initiation to completion using live vendor inventory database and purchaser entered parameters from a mobile application. A network interface receives parameters entered by the subscribers through the mobile application on the subscriber mobile device and receives inventory updates from vendor systems, the inventory updates including at least a vendor price and identifying information. The system communicates with an accounts server to confirm subscriber funds and place a hold on subscriber funds equal to the required subscriber price and implementing a matching algorithm to detect matching results by determining if any vendor prices and identifying information satisfy any required subscriber prices and descriptions. The system transmits an alert to the subscriber mobile device with matching results, receives a selection from the subscriber of at least one of the matching results, conducting payment processing for the matching result and closes the transaction.