Abstract: Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and/or encrypt the card data.

Abstract: A method for implementing blockchain-based transactions comprises: determining a transaction amount to be remitted from a remitter's blockchain account into a receiver's blockchain account, wherein a balance of the remitter's blockchain account comprises multiple reserve balances, and commitments of the reserve balances are recorded in a blockchain; selecting one or more of the reserve balances from the remitter's blockchain account, wherein the sum of the selected one or more reserve balances is not smaller than the transaction amount; and submitting to the blockchain a transaction comprising an identification of each of the selected one or more reserve balances and a commitment of the transaction amount, for the selected one or more reserve balances to be removed from the remitter's blockchain account and the transaction amount to be added to the receiver's blockchain account.

Abstract: A computer-implemented method for directing transaction rewards may comprise receiving, via a user device associated with a user, user preference data regarding a preferred merchant list including one or more merchants and reward criteria for each of the merchants, wherein the preferred merchant list defines a priority of the one or more merchants and the reward criteria defines a dynamic reward for each of the one or more merchants based on the priority on the preferred merchant list; receiving transaction information from a first merchant; determining, via one or more processors, if the first merchant is one of the one or more merchants on the preferred merchant list; and in response to determining the first merchant is on the preferred merchant list, determining, via one or more processors, a reward based on the transaction information; and transmitting, via the one or more processors, the reward to the first merchant.

Abstract: Various embodiments of an apparatus, method(s), system(s) and a computer program product(s) described herein are directed to a Offer Engine. The Offer Engine extracts one or more features from data associated with a first user requesting access to a portion of content of a content corpus. The Offer Engine feeds at least one of the features of the first user into a decision tree. The decision tree has multiple levels, wherein at least one level comprises a plurality of leaves and each respective leaf implements at least one machine learning model. The Offer Engine determines whether to provide the first user with a subscription fee offer first option or a non-subscription fee offer second option based at least in part on output of the decision tree.

Abstract: The present specification discloses a method and system for implementing interworking of different payment operations. On a basis of determining a payment link by an entry passing operation, related data generated by a first exit payment operation belonging to a different type from the entry passing operation is superimposed on the payment link, fee deduction information is further determined, and the fee deduction information corresponding to the first exit payment operation is transmitted, by using the payment link, to a third-party payment system for exit fee deduction.

Abstract: Computer systems and methods for generating portable and data-agnostic annuity datasets are disclosed where a central server generates multiple instructions to receive annuity dataset data records, participant attributes, and annuity attributes for a plurality of annuity datasets from employer servers and recordkeeper servers; integrates different annuity datasets by mapping the data fields of each respective annuity dataset and creating uniform data-agnostic annuity datasets; continuously monitors a performance value for each data-agnostic annuity dataset; and dynamically modifies recordkeepers when the performance value of annuity datasets do not satisfy a pre-determined threshold by modifying recordkeeper data records.

Abstract: A system and method for scalable, adaptive, real-time generation of personalized offers is disclosed. A profile of a user is generated, the profile being a summarized representation of historical behavior of the user, the profile containing recursively updated variables. The profile is updated for each new transaction and/or a time dependent event, the new transaction and/or time dependent event including purchase transaction data, user, item hierarchy, and offer data. A affinity scores is generated for the user based on the updated profile, and for each new transaction, one or more offers are generated for the user based on the updated user profile and the affinity scores.

Abstract: An apparatus, system and method for conducting financial and other transactions using a wireless device are provided. A computing device includes a display screen, a user input interface, and one or more processors. A memory device has stored therein a wallet application for completing transactions based on wireless data communications between the computing device and a merchant system. The memory device further stores at least one electronic credential. The computing device is configured to wirelessly communicate with the merchant system via at least one of a network transceiver and a short-range RF transceiver, and to display information regarding one or more transactions with the merchant system on the display screen. At least one electronic credential is transmitted to the merchant system based on comparing the biometric characteristic of the user with stored biometric information to initiate the one or more transactions with the merchant system.

Abstract: A composite cryptographic data structure is described, and corresponding methods, systems, and computer readable media. The composite cryptographic data structure is instantiated based on an underlying set of cryptographic tokens (e.g., blockchain/distributed ledger tokens) that, in some embodiments, are transferrable through on-chain transactions established on one or more distributed ledger networks. Identity validation, in some embodiments, may occur at one of composite cryptographic data structure instantiation or composite cryptographic data structure redemption, or both, through the use of a whitelist or a blacklist data structure.

Abstract: A system comprises a communications module; a processor coupled to the communications module; and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module, a transfer instruction for transfer of data from a first data record associated with a transferor to a second data record associated with a recipient, the transfer instruction including a transfer amount and a condition associated with the transfer; send, via the communications module, a notification of the transfer instruction to a computing device associated with the recipient and request permission to obtain contextual data therefrom; when permission is granted, obtain, via the communications module, contextual data from the computing device; determine, based on the contextual data, that the condition associated with the transfer has been satisfied; and in response to determining that the condition associated with the t

Abstract: A data security evaluation computing device for evaluating data security of a target system is coupled to a plurality of data sources including the target system, and receives a request message requesting data security review, the request message including an identifier of the target system. The computing device queries a first data source to receive data representing whether the target system has previously breached, and locally caches the data. The computing device queries a second data source to receive data associated with a potential for a future data breach, and locally caches the data. The computing device also generates a data security score by analyzing the locally cached data, the data security score representing a likelihood the target system was or will be the subject of a data breach, compiles the data security score and additional data into a data security report, and transmits a response message including the report.

Abstract: Disclosed herein are multispace parking pay stations comprising: at least one processor, a memory, a communications element, a printer, and a computer program including instructions executable by the at least one processor to create an application comprising: a software module receiving a unique identifier associated with a parking customer, the parking customer having executed a mobile payment for parking in a space associated with the pay station; a software module transmitting the unique identifier to a central parking management server and querying the central parking management server with the unique identifier to identify the parking customer and verify the mobile payment; and a software module generating and sending instructions to the printer to print a payment verification for the parking customer.

Abstract: A wallbox system for charging an electric vehicle comprises a wallbox, wherein the wallbox comprises at least one charging interface, wherein the charging interface is a socket, for example a Type 2 socket, or a cable outlet with a cable and a plug.

Abstract: The present disclosure relates to for managing the generation or deletion of record objects based on electronic activities and communication policies. Data of a plurality of electronic activities from one or more electronic accounts of the entity may be identified. It may be determined whether the identified data satisfies a communication policy. The communication policy may include one or more rules based on the electronic activities. Instructions to generate a contact record object or instructions to delete an existing contact record for the entity may be transmitted based on the condition of the communication of the communication policy that is satisfied.

Abstract: Configuration utilities, such as object wizards, enable automatic configuration of domain-specific assets from object templates based on domain specific options. In an aspect, an application object template library stores a set of previously defined application object templates. The templates each include a superset of options common to a set of related domain objects. A configuration utility is configured for specifying at least one domain-specific option of the superset and creating an application object instance to be included in an application. The application object instance comprising at least one of the application object templates having the specified domain-specific option.

Abstract: An incorrect copy of a record of data can be prevented from being transmitted to a distributed ledger system. A first file can be received and can include information, in audio or video form, with a description of a subject matter of the record of data and with an authorization to transmit the copy to the distributed ledger system. The first file can be sent to a device. A second file can be received from the device and can include information that confirms that the description of the subject matter, included in the first file, is correct, and that confirms that an entity, which controlled production of the first file, has permission to authorize causing the copy to be transmitted to the distributed ledger system. The correct copy can be caused, based on a receipt of the first and the second files, to be transmitted to the distributed ledger system.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to monitor an active webpage associated with a web browser executing on a computing device; determine that the active webpage associated with the web browser meets predetermined criteria, the predetermined criteria including determining that the active webpage is found in a whitelist; and in response to determining that the active webpage meets the predetermined criteria, send, via the communications module and to the computing device, a signal causing the computing device to display an indicator indicating an option to apply loyalty points to offset a purchase price.

Abstract: A computing device may include a memory and a processor configured to cooperate therewith to operate a virtual share exchange (VSE) platform by establishing member sharing accounts on the VSE platform for respective members of the VSE platform for sharing payment of member healthcare bills across a plurality of the member sharing accounts, establishing healthcare provider accounts on the VSE platform for healthcare providers issuing the member healthcare bills, and receiving member healthcare bills issued by the healthcare providers and establishing a virtual bill account on the VSE platform for each member healthcare bill submitted for payment sharing. The virtual bill account may be externally addressable through a routing number and a unique account number associated therewith. The processor may further electronically transfer funds between the sharing accounts and to the healthcare provider that issued the member healthcare bill using the externally addressable routing number and unique account number.

Abstract: This application discloses systems, methods, and computer products related to generation, analysis, and transmission of multiple types of data among multiple computers within a networked computer environment. The disclosed approaches further enable integration of different types of data, notification of availability of certain types of data, and coordination of communication of specific types of data.

Abstract: A system and method for securing application programming interface (API) requests using multi-party digital signatures. The method includes generating, by a first system, at least one first secret share of a plurality of secret shares based on an API secret, wherein the plurality of secret shares includes the at least one first secret share and at least one second secret share, wherein the at least one second secret share is generated by at least one second system; and signing, by the first system, an API request using the at least one first secret share, wherein the API request is further signed by the at least one second system using the at least one second secret share, wherein the API request is signed without revealing any of the at least one first secret share to the at least one second system and without revealing any of the at least one second secret share to the first system.

Abstract: The disclosed embodiments provide a system that facilitates use of an electronic device. During operation, the system displays, by an application on the electronic device, a user interface comprising a first set of user-interface elements for obtaining data from a user. Upon detecting a first swiping gesture through the user interface, the system submits the data for processing by the application. The system then updates the user interface with a second set of user-interface elements based on the submitted data.

Abstract: Communication between autonomous vehicles, in 5G or 6G, is necessary for cooperative hazard avoidance and to coordinate the flow of traffic. However, before cooperative action, each vehicle must determine the wireless address of other vehicles in proximity, so that they can communicate directly with each other. Methods and systems disclosed herein include a computer-readable wireless “connectivity matrix”, an array of black and white squares showing a connectivity code. The connectivity code may be the vehicle's wireless address, an index code, or other information about the vehicle. The connectivity code may be an index in a tabulation of information that provides the wireless address, among other data. Other vehicles, or their cameras, may read the connectivity matrix, determine the code therein, and find the vehicle's wireless address. After determining the wireless address of the other vehicles, the vehicles can then communicate and cooperate to avoid accidents and facilitate the flow of traffic.

Abstract: Systems and methods may generally provide a demographic-based type-specific patient refund, facilitated by a structured data element, to a responsible party for overpayment made for healthcare services. An example method may include receiving a formatted claim file including an amount paid, receiving an amount owed by a responsible party, determining a refund amount based on the amount paid and the amount owed, and generating a formatted remittance file including the structured data element identifying the refund amount. The method may include determining a refund type, for example, based on at least one demographic factor of the responsible party, or providing, using information from the structured data element, the refund amount to the responsible party, such as via the refund type.

Abstract: An apparatus and method for user identity control are provided. The apparatus includes a communication unit, a storage unit including a unique ID and a plurality of sections, each section including different identity information, and a controller for, in response to a transaction request, transmitting a request for identity information to an authorization server via the communication unit, and for, in response to authorization information received from the authorization server, transmitting identity information to a third party to complete the transaction according to the received authorization information.

Abstract: The present invention provides a data processing method and an apparatus. When a payment server makes a payment based on a payment amount and a payment instrument of a payer, the payment server has obtained merchant information and commodity information of a commodity to be paid for, and after the payment is successful, establishes a correspondence between a service verification code, the merchant information, and the commodity information. Therefore, after the payment server sends the service verification code to a terminal corresponding to the payer, a user can perform verification on a payment system based on the service verification code. This improves verification efficiency and decreases transaction costs.

Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

Abstract: Systems and methods for implementing point of advertising purchasing include using mass media publications configured for or containing service, product or vendor transmittable signals, such as from radio frequency identification tags. In a preferred arrangement, a consumer perceiving an advertisement of the mass media publication may activate a reader in a portable communications device, such as a smart mobile or cellular phone, to receive information from the radio frequency signal associated with the advertisement to identify a vendor, product or service associated with the radio frequency identification. The smart mobile phone or communications device of the consumer may communicate with a system of a vendor or vendors by way of a commerce data organization system across a network to order a product or product information from a system of the vendor over the network by using the information from the radio frequency identification.

Abstract: This disclosure provides methods and systems for performing authentication in a virtual reality environment. In some implementations, the system receives a request for access to a virtual reality financial center requiring authentication from a user. The system can collect user identification information that identifies the user and verification information required to verify the user's identity via a virtual reality platform.

Abstract: Systems, computer program products, and methods are described herein for generating customized data input options using machine learning techniques. The present invention is configured to electronically receive, from a computing device of a user, an input query; retrieve, from a database associated with an entity, information associated with the user; determine a resource distribution profile of the user, wherein the resource distribution profile comprises one or more resource transfers executed by the user; generate one or more customized autocomplete options for the input query based on at least the information associated with the user and the resource distribution profile of the user; and transmit control signals configured to cause the computing device of the user to display the one or more customized autocomplete options to the user.

Abstract: Merchant devices, systems and methods designed to provide and/or process cash transactions for customers of cash-only retail locations without need for traditional ATMs. In one embodiment, an exemplary POS terminal device may comprise a housing, dimensioned to install at a cash-only retail location, the housing having a cash storage receptacle and a cash management component configured to handle electronic cash transaction requests, and a communication component configured to transmit the respective electronic cash transaction requests. Further, the cash management component may include a reader component for interacting with a transaction card and/or device of a customer, an authentication component configured to scan and authenticate cash bills, a cash bills intake component, and a cash bills dispensing component. Accordingly, cash-only retail locations may implement such specialized devices and process transactions in ways avoiding reliance on traditional ATMs, such as those leased from third parties.

Abstract: Various systems, mediums, and methods herein describe aspects of a proximity and validation based data merging system. The system may access a first data set and a plurality of second data sets that correspond to physical locations in a location space. The system my segment the location space into a plurality of location bins each having one or more nodes. The system may generate two or more maps based on two or more mapping rule and map the first data set and the plurality of second data sets into the nodes of the location bins. The system may determine one or more target nodes in the maps that include the first data set and at least one of the second data sets. The system may determine a minimum distance between the first data set and one of the second data sets in a target node.

Abstract: Disclosed is a virtual currency transaction system. The virtual currency transaction system according to an embodiment of the inventive concept includes a virtual currency integration exchange server receiving buying request information and selling request information of virtual currency, matching the buying request information and the selling request information, which are suitable for a transaction condition, based on asking price information to make a transaction of virtual currency, and recording transaction conclusion information for each virtual currency transaction and a broker member server transmitting buying request information and selling request information, which are transmitted from a user terminal, to the virtual currency integration exchange server and receiving the asking price information and the transaction conclusion information from the virtual currency integration exchange server to provide the asking price information and the transaction conclusion information to the user terminal.

Abstract: A computing system includes one or more processors and one or more computer-readable storage media communicatively connected to the one or more processors and having instructions stored thereon that, when executed, causes the one or more processors to receive a request from a user device to initiate an electronic transaction to a beneficiary, identify a risk associated with the beneficiary, calculate a risk score for the electronic transaction based on the risk, transmit a notification to the user device, wherein the notification causes display of one or more mitigation activities for reducing the risk, receive data from the user device associated with the one or more mitigation activities, compare the data with information corresponding to the beneficiary stored in a data store, recalculate the risk score based on the comparison, and transmit an electrical signal to the user device to cause the display of a result of the recalculation.

Abstract: In certain embodiments, a method includes receiving, at a payment server via an application executing on a device of a user, a request to create a payment proxy identifier. The method includes associating, in a data store maintained by the payment server, the payment proxy identifier to a financial account associated with the user. The method includes generating a personalized interactive element for initiating a transaction to the financial account of the user. The method includes receiving an indication of an intent to transfer a value from a sender to the user. The indication is produced via interaction of a device associated with the sender with the personalized interactive element. The method includes, responsive to receiving the indication, identifying a financial account of the sender and initiating a transfer of the value between the financial account of the user and the financial account of the sender.

Abstract: A blockchain based supply chain network is provided. The network provides a supply chain monitoring system and marketplace including (a) raw materials, textile, and apparel sourcing marketplace, including services and capabilities, and textile, trim, components, accessories; (b) tracking system for engagement, environmental and social labor performance; (c) marketplace and transactional layer with an embedded blockchain platform that helps create trust between participants of the supply chain. The supply chain monitoring system and marketplace can provide a level of transparency and traceability fin the apparel market that has not been seen before in conventional supply chain systems.

Abstract: Systems and method relating to a distributed ledger currency rail are provided. A computer-implemented method includes receiving a funds transfer request message including an amount, a sender, and a recipient; examining the funds transfer request message to identify a sending financial institution associated with the sender and a receiving financial institution associated with the recipient; and determining whether the sending financial institution and the receiving financial institution each operates a node on a permissioned distributed ledger network.

Abstract: Systems, methods, and program products for providing and administering a digital asset network of cooperative nodes with rapid transaction settlements are disclosed.

Abstract: A system, method and computer program product of managing, monitoring and controlling water consumption in a building, apartment, home or dwelling includes receiving occupancy data including at least one of occupant request data and occupant schedule data, receiving weather data and/or external ambient climate data including at least one of current weather measurement data and weather forecast data, generating an output control signal based on the occupancy data and the weather data, the external ambient climate data, and transmitting the output control signal to a building, apartment, home or dwelling automation system (FAS) of the building, apartment, home or dwelling. The occupant request data includes a current request, and the occupant schedule data includes a predicted occupant schedule. The output control signal adjusts a building, apartment, home or dwelling control device in a zone in the building, apartment, home or dwelling.

Abstract: An apparatus, system and methodology for conducting financial and other transactions using a wireless device are provided. A computing device includes a memory device that has stored therein a wallet application for completing transactions based on wireless data communications between the computing device and an external electronic device. The memory device further stores an electronic credential. The computing device includes a wireless transceiver configured to wirelessly communicate with the external electronic device. The computing device further includes a biometric characteristic reader for reading a biometric characteristic of a user. The computing device wirelessly transmits the electronic credential to the external electronic device based on comparing the biometric characteristic of the user with stored biometric information to initiate a transaction with the external electronic device.

Abstract: Implementations of the present specification provide a method and an apparatus for transferring a resource in batches, applied to the following scenario: a resource transferor holds a first resource, a receiving target of a resource transferee is a second resource, and the first resource of the resource transferor cannot be transferred once in a resource transfer process. In the resource transfer process, a client corresponding to the resource transferor sends a resource transfer request to a conversion serving end. The conversion serving end feeds back a to-be-transferred share and a service identifier to the client. The client transfers a first share of the first resource by using an associated transfer platform based on the to-be-transferred share and the service identifier that are fed back. The associated transfer platform can send a transfer record of the first resource to the conversion serving end based on the service identifier.

Abstract: In various example embodiments, a system and method for automated data reconciliation processing is presented. The system receives a data movement request with a first status indicator and appends a unique request code to the data movement request. The system causes presentation of the data movement request at a client device and receives a movement response from a second server via a network. The system modifies the first status indicator of the data movement request to a second status indicator to provisionally reflect the receipt of the movement response and verifies the indication of movement from a receiving entity.

Abstract: A provider computing system provides a mobile banking application to a user mobile device. The mobile banking application is configured to activate a contextual provider location mode when the user enters a provider location. The contextual provider location mode presents a plurality of modifications to both appearance and operation of the mobile banking application. Each modification is in response to an analysis performed by a context circuit of the mobile banking application. The modifications serve to facilitate the user's experience at the provider, enabling the user to perform their intended tasks in an easier more efficient manner. Additional data pertaining to the user's tasks and behavior are further categorized and transmitted back to the provider, enabling further accuracy and improvements during subsequent visits.

Abstract: In one implementation, a computer-implemented method, executed on a computing device and configured to effectuate a trading platform, includes: maintaining an omnibus (multi-client) cryptocurrency trading wallet for a plurality of clients; and maintaining a segregated (individual-client) cryptocurrency transfer wallet for each of the plurality of clients, thus defining a plurality of segregated (individual-client) cryptocurrency transfer wallets.

Abstract: The present invention provides the method for users to access different content when users snap a picture of a single Optical Code. The present invention relates to a method and system that provides a single user or concurrently provides multiple users with controlled access to custom and interactive content. The present invention stores a Unique Key within the Optical Code used to look up programmed instructions. The present invention uses the snap of the camera on the portable computer and imaging device to initialize the programmed instructions associated with the Unique Key. The System provides a method by which a set of actions can be performed with the simple snap of the Optical Code using a portable computer and imaging device.

Abstract: A financial transaction system includes a bank server, an authentication code transfer server, and an ATM. The bank server generates an authentication code in response to a request message received from a mobile terminal. Then the bank server transmits the authentication code to the mobile terminal. The authentication code transfer server receives the authentication code from the mobile terminal and forwards the authentication code to the ATM which then transmits the authentication code to the bank server for transaction authentication. The bank server performs transaction authentication by comparing the code received from the ATM with the code previously generated by the bank server. The ATM dispenses cash according to transaction information entered by a user using the mobile terminal upon receipt of a transaction approval message from the bank server.

Abstract: The present disclosure describes a system and method for profiling and predicting customer behavior using machine learning. The system for profiling and predicting customer behavior uses all available signals from each individual customer across digital channels to build predictive artificial intelligence algorithms to create customer genome markers that predict the likelihood that specific customer will respond to digital actions.

Abstract: A system, includes at least one processor; and at least one memory communicatively coupled to the at least one processor. The at least one processor is configured to receive an order to execute a trade of at least one transactional item associated with a first account, wherein the order, the first account, and a second account are associated with a common identifier; generate a first transaction to transfer the at least one transactional item from the first account to the second account; generate a second transaction that includes the order; verify that the first transaction was authorized by a same party as the second transaction; and authorize placement of the order on an exchange if the first transaction was authorized by the same party as the second transaction.

Abstract: This disclosure is directed to an apparatus for modifying a temporal signal association in a complex computing network such that a future computing operation is intelligently executed based on the modified signal association.

Abstract: There is provided a system, method, and computer program for providing online transport logistics management for separate entities (e.g., car owners, office renters, homeowners) to their smartphone devices, facilitated by a simple front end that dynamically adjusts to various parameters, the adjustments being made seamlessly via an application server. The disclosed system, method, and computer program provide for these separate smartphone devices to be linked to others to automate the storing, delivery, and pick-up of goods and/or services.

Abstract: Account allocation and management systems and methods are described. A server generates an interactive web interface on a user device including an account creation tool having user input tools for creating a user-defined first account. The server continually monitors account condition data from among plural financial systems. The server determines a proposed combination including plural second accounts selected from among the financial systems, based on the monitored data and at least one user input indication, where the proposed combination includes optimized account characteristics. The proposed combination including a portion of the optimized characteristics are displayed on the interactive web interface. Responsive to a confirmation from the user device, the user-defined first account is created that includes the plural second accounts. The server, responsive to detecting a change in the monitored data, automatically rebalances one or more among the second accounts in accordance with the detected change.