Abstract: Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.

Abstract: Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.

Abstract: Disclosed herein are system, method, and computer program product embodiments for providing a virtual card token to facilitate Real-Time Payment (RTP) network transactions. An account management system may facilitate RTP transactions with consumer bank accounts using the virtual card token. After providing the virtual card token to a user device, the user device may present the virtual card token to a merchant system to conduct a transaction. The virtual card token may operate with existing merchant systems and/or point-of-sale (POS) terminals. The merchant system may provide the virtual card token to the account management system for transaction approval. The account management system may select and retrieve funding from a particular bank account based on user-defined parameters. Upon retrieving funding from the particular bank account via the RTP network, the account management system may approve the transaction and/or provide payment to the merchant system.

Abstract: Systems and methods for motion-enabled transactions are disclosed. The system may allow users to complete transactions with merchants via an air sign input. The system may receive a motion-enabled transaction request comprising an air sign input. The system may determine a stored air sign symbol based on the air sign input. The system may retrieve a merchant identifier, a transaction type, and a transaction cost based on the determined stored air sign symbol. The system may transmit a transaction confirmation comprising the merchant identifier, the transaction type, and the transaction cost. In response to the user confirming the transaction confirmation, the system may authorize and process the transaction.

Abstract: At least some embodiments are directed to an entity classification system receives informational data associated with an entity. The informational data includes sentences associated with the entity. The entity classification system utilizes a first machine learning model to determine a first contextual meaning among words of a sentence associated with the entity based on a first word embedding technique, and determines at least one category associated with the entity based at least in part on the first contextual meaning. The entity classification system utilizes a second machine learning model to determine a second contextual meaning shared by a set of sentences based on a second embedding technique, and determines a subcategory of the category associated with the entity based at least in part on the second contextual meaning. The entity classification system generates an output including the category and subcategory associated with the entity.

Abstract: System and methods are described for enabling a first client device to authorize a second client device to use a payment token for contactless payments, in which the payment token is authorized to be used by the second device with restrictions set by the first device. In one embodiment, a system comprises a computing device that includes a secure element. The system also includes machine-readable instructions that, when executed by the processor, cause the computing device to at least receive an indication for generating a sub-payment token and receive a selection of a key restriction for the sub-payment token. An application stored in the secure element is called to generate the sub-payment token based on the key restriction. The sub-payment token is received and comprises a sub-payment key and an application transaction counter range. The sub-payment token is sent through the wireless communication session to a second computing device.

Abstract: A dynamic banner may be displayed in a merchant check out page sourced from a merchant server that may be customized to a particular user and/or merchant. The dynamic banner may be provided by a transaction account provider server and may invite the user to select an offer. In response to the user's interaction with the offer, the characteristics of the merchant check out page may be changed, for example, a product may be discounted, and/or a new transaction account may be issued to the user by the transaction account provider server and used to complete the checkout process via cross document messaging and cross domain scripting. In this manner, the merchant server and the transaction account provider server may interact with a user within a single web page.

Abstract: Disclosed herein are aspects for splitting a recurring charge. An example method aspect begins by receiving transaction information specifying a transaction. The method continues by determining whether the transaction is recurring. When the transaction is determined to be recurring, the method creates a split protocol for the transaction based on an input from a user interface of a first user device. The split protocol specifies how to split the transaction with one or more other parties. The method then continues with several operations for each of the respective one or more other parties. Based on the split protocol, the method generates a split request specifying a portion of the transaction the respective other party should pay. The method then sends the split request to a second user device corresponding to the respective other party. The method can repeat the generating and sending steps for subsequent recurrences of the transaction.

Abstract: Disclosed herein are aspects for splitting a transaction. An example aspect begins by receiving transaction information specifying a transaction. The aspect continues by receiving split request information corresponding to the transaction. The split request information specifies how to split the transaction with one or more other parties. Next, the aspect sends, by a first user device, a split request to a second user device based on the split request information. The split request comprises input fields for each of the respective one or more other parties. These input fields include respective payer account identifier and actual payment amount fields. The aspect continues by receiving, based on an input from a user interface of the second user device, the payer account identifier and the actual payment amount. Lastly, the aspect sends a payment request to a payer account corresponding to the payer account identifier for the actual payment amount.

Abstract: A system for making payments is disclosed. The system performs steps to at least receive a barcode with embedded information linking to a payee account capable of receiving a payment. Based on receiving the barcode a prompt for display on a browser of the user device can be generated, where the prompt requests identification of a financial institution connected to a user of the user device. The prompt can be transmitted to the user device. Identifying information identifying the financial institution can be received in response to the prompt. The financial institution can be accessed based on the response to the prompt. Based on accessing the user financial institution a request for the payment from the user financial institution to the payee account can be made.

Abstract: Disclosed herein are method, computer program product, and system embodiments for real-time loyalty rewards redemption. A user may earn rewards in a rewards system that have an equivalent value to a digital asset such as a cryptocurrency asset (e.g., Bitcoin, Ethereum, etc.), crypto tokens (e.g., ERC-20, Dogecoin, etc.), and/or the like. A user device (e.g., mobile device, smart device, etc.) may request to redeem the rewards value in the form of the digital asset, initiating transfer of the digital asset from an asset management system to a digital wallet of the user device. The transfer of the digital asset from the asset management system to the digital wallet of the user device happens in real-time. After the digital asset is transferred to the user device, it may be exchanged for monetary value via a third party redemption service or used as payment.

Abstract: Disclosed herein are system, apparatus, article of manufacture, method and/or computer program product embodiments, and/or combinations and sub-combinations thereof, for allowing an account holder to authorize an entity to issue pull requests for funds to be transferred using real time payment rails. A first account representing a store of central bank digital currency (CBDC) of a first user may be linked with a second account representing a store of central bank digital currency (CBDC) of a second user. A request may be received, from one of the first and second user, to transfer CBDC from the first account to the second account. From another of the first and second user, an authorization may be received to transfer the CBDC. In response to the authorization, an entry may be written to a blockchain ledger effecting the requested transfer of the CBDC from the first account to the second account.

Abstract: Disclosed herein are system, method, and computer program product embodiments for direct device-to-device asset transfer. A first user device (e.g., mobile device, smart device, etc.) may send a second user device (e.g., mobile device, smart device, etc.), via a first communication protocol, a portion of allocation information that allocates transaction item to a user of the second user device based on an indication that the second user device is in proximity to the first user device. The first user device may receive an asset from an account associated with the second user device via a second communication protocol based on an indication that the portion of the allocation information that allocates the item associated with the transaction to the user of the second user device is confirmed by the second user device. A value of the asset may correspond to a value indicated by the portion of the allocation information.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a selection of a transaction account to be used as payment for a transaction; and transmitting a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes alias transaction account data in place of actual transaction account data.

Abstract: Disclosed are various embodiments for automated document processing. A linked provider associated with a transaction record is identified. A submission template for the linked provider is then identified, the submission template specifying how to complete a submission using transaction data from the transaction record. Transaction data is then obtained from the transaction record. A submission is then completed based at least in part on the submission template and using the transaction data. Finally, the completed submission is then sent to a provider service associated with the linked provider.

Abstract: Disclosed herein is a system for a double-sided credit card and a method of manufacturing the same. In some embodiments, the double-sided credit card comprises a first side and a second side opposite to the first side. The first side comprises a first antenna configured to transmit electronic signals to execute transactions linked to a first financial account, while the second side comprises a second antenna configured to transmit electronic signals to execute transactions linked to a second financial account. An electronic blocker layer is positioned between the first side and the second side such that the electronic signals executing transactions linked to the first financial account is blocked from interfering with the electronic signals executing transactions linked to the second financial account.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices are disclosed. An online purchase autofill plugin includes various modules and engines. The fields of online forms may be identified and the fields of online forms may be automatically filled. The user experience may be improved, and data security enhanced so that the transaction network more properly functions according to approved parameters, such as protecting the integrity of sensitive data.

Abstract: The system is configured to monitor and operate a hybrid reward system with a multi-channel point of sale terminal. The system may perform operations including receiving, by a computer based system and via a first connection from a point of sale terminal, reward program information and transaction information in response to a reward program instrument being presented at the point of sale terminal. A transaction authorization request associated with the reward program information may be provided by the point of sale terminal, via a second connection from the point of sale terminal, to a transaction authorization system to authorize a transaction. The transaction may be initiated by a transaction instrument. The reward program instrument is at least one of a transaction instrument and a reward program indicia.

Abstract: A method is provided comprising receiving, at a first node, transactional data associated with a consumer (wherein the first node comprises a processor and a tangible, non-transitory memory), receiving, at the first node, a credit approval request associated with the consumer, wherein the credit approval request is associated with a proposed transaction, determining, by the first node, whether the transactional data conforms with the proposed transaction, and at least one of approving and denying the credit approval request in response to the determination.

Abstract: Disclosed are various embodiments for metaverse authentication using NFTs. An authentication setup request for an NFT can be received from an owner of the NFT. Then, a unique authentication credential for the NFT can be requested from an NFT smart contract. In response, URL of an edge wallet associated with an owner of the unique authentication credential is received. Then, a request can be sent to the URI of the edge wallet for the unique authentication credential. In response, a signed challenge is received from the edge wallet and a public key is retrieved from the NFT. A signature of the signed challenge is determined to be valid based at least in part on the public key, and access to an asset or resource is configured based at least in part on the signature of the signed challenge being valid.