Abstract: A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

Abstract: The disclosed embodiments include methods and systems for detecting ATM skimmers, other unauthorized devices, such as hidden video cameras or keypad overlays, and/or possible damage to the ATM based upon radio frequency (RF) signal emitted from the ATM and/or 3D image analysis.

Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.

Abstract: Methods and systems are disclosed for providing enhanced information relating to terms for financing a purchase, such as a real estate purchase. According to disclosed embodiments, a financial service system collects financial information associated with the prospective buyer. The financial service system also configures a secure software object, or token, comprising the buyer's financial information. The financial service system transmits the token to various inventory listing sites. By utilizing graphical user interfaces on the inventory listing sites that integrate the transmitted token information, the prospective buyer is provided enhanced information for shopping and researching their purchase, including how the purchase and its financing fit into their overall financial profile.

Abstract: Methods and systems are disclosed for enhancing the information value of data networks. Consistent with disclosed embodiments, in large datasets, automated linking between data entries is facilitated by configuration and application of one or more entropic filters to the data. A computer system separates the data into groups based on the uniqueness of information carried by the data, then determines an entropy value for each group. Based on a predetermined threshold value, the system filters out data entries that have low entropy values and thus low relevance. The system automatically generates prospective links among the filtered data entries, and provides the network of links to another system for further analysis.

Abstract: The disclosed embodiments generally relate to in-store customer traffic analysis systems and methods. The system includes at least one sensor positioned within a retail store, at least one display associated with the at least one sensor, one or more memory devices storing instructions and one or ore hardware processors configured to execute the instructions to perform operations. The operations include receiving a sensor signal indicating that a user device is within a proximity to the at least one sensor in the retail store, extracting a user device identifier from the sensor signal, correlating the sensor signal to the at least one display, generating a foot traffic record associated with the user device identifier and the at least one display, based on the received sensor signal, and storing the generated foot traffic record.

Abstract: Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.

Abstract: The disclosed embodiments include methods and systems for providing a discount or reward at the point of sale. In one embodiment a system for providing a discount at the point of sale is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions and determine discount eligibility of the one or more purchase transactions. The system may also be configured to determine a discount amount based on the determined discount eligibility and the transaction data and apply the discount to the one or more purchase transactions. Further, the system may also be configured to display the applied discount to the user.

Abstract: The disclosed embodiments include methods and systems for collecting, managing, and processing business data for lending services. In one embodiment, a lending system is disclosed that may register a small business with a lending service provided by a lending system and receive first small business data from the small business. The lending system may store the first small business data and analyze the first small business data to determine whether the small business qualifies for a loan product provided by a financial service provider. In another embodiment, the lending system may determine, based on the analysis, that additional business data is needed to determine whether the small business qualifies for the loan product. The lending system may further receive second small business data from the small business and analyze the second small business data to determine whether the small business qualifies for the loan product provided.

Abstract: The disclosed embodiments include methods and systems for detecting ATM skimmers based upon radio frequency (RF) signal. In one aspect, the disclosed embodiments include a system for detecting ATM skimmers including a memory storing instructions and one or more processors that execute the instructions to perform one or more operations for detecting ATM skimmers. The operations may include, for example, receiving radio frequency (RF) signal data corresponding to one or more RF signals detected by an antenna located within communication range of the ATM. The operations may also include determining one or more unidentified RF signals of the detected ATM RF signals that differ from one or more baseline RF signals.

Abstract: A system and method is provided for redeeming coupons to credit a customer's financial service account without sharing the customer's restricted information with merchants. The system and method may include a financial service provider receiving merchant transaction information from a merchant that reflects sale transactions associated with the merchant over a period of time. The financial service provider may compare the merchant transaction information with financial service accounts transaction information associated with financial service accounts provided by the financial service provider. Additionally, the financial service provider may identify a common transaction between the merchant transactions and the financial service accounts transactions based on one or more unique identifiers, determine the common transaction meets a predetermined credit requirement, and identify a customer's financial service account corresponding to the common transaction.

Abstract: The disclosed embodiments include a method for generating a response when a user encounters an error while using a servicing system. The method may include determining a user has encountered an error using a servicing system based on a trigger event associated with a system failure, logging the error in association with identifying information of the user, analyzing the error according to one or more pre-configured rules to determine an error level associated with the error, and selecting one or more responses to the error based on the error level, with at least one response being directed to the user in real-time. The method may include determining a medium for transmitting the one or more responses based on a type of device operated by the user when the user encountered the error, and transmitting the one or more responses using at least the determined medium.

Abstract: The present application discloses systems and methods for marking an individual with an identifying substance. The system includes a spray delivery device configured to release a pressurized substance in response to an activation signal, an activation device configured to transmit an activation signal to the spray delivery device, and a power supply, configured to provide power to at least one of the activation devices and the spray delivery devices. The method includes storing a pressurized substance, receiving an activation signal at a spray delivery device, and releasing the pressurized substance in response to the received activation signal.

Abstract: The disclosed embodiments include methods and systems for detecting ATM skimmers, other unauthorized devices, such as hidden video cameras or keypad overlays, and/or possible damage to the ATM based upon radio frequency (RF) signal emitted from the ATM and/or 3D image analysis.

Abstract: Method for processing a transaction, the method comprising automatically requesting a transfer from a source account to a destination account via a communication link, receiving the transfer, adjusting destination account data associated with the destination account by increasing a balance of the destination account by an amount of the transfer, receiving transaction data from a merchant indicating an attempted transaction, the transaction data including a transaction amount and data identifying the destination account, and processing the attempted transaction.

Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing advertising services. In one embodiment, a system is provided for receiving a user registration request, identifying advertisements in content presented at client devices of the user during a first time period, providing alternative advertisements to the client devices in substantially real-time to replace the identified advertisements, receiving user financial data indicating purchases of the user during the first time period, associating user purchases with the alternative advertisements provided during the first time period based on the user's financial data, and determining an efficacy score one or more of the alternative advertisements based on the association.

Abstract: Methods and systems are disclosed for providing Near Field Communications. In certain embodiments, an Android mobile operating system based mobile device is configured with software that, when executed by one or more processors, determines whether the mobile device is to perform an NFC communication with a contactless payment terminal (CPT) using a secure element associated with an NFC controller included in the mobile device. Based on the determination, the mobile device is configured to execute software that performs communications with the CPT using the NFC controller.

Abstract: The disclosed embodiments generally relate to systems and methods for business analytics, and more particularly, to systems and methods for merchant business intelligence tools. Disclosed embodiments may include a method for providing merchant business intelligence. In the method, a computing system, comprising one or more hardware processors, may aggregate data relating to one or more merchants, one or more customers, and transactions involving the customers or the merchants. The computing system may identify one or more categories for the customers, the merchants, and the transactions. The computing system may filter the aggregated data according to a subset of the categories of the customers, the merchants, or the transactions. The computing system may generate an analytic visualization based on analyzing the filtered aggregated data, and provide the generated analytic visualization for display.

Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.

Abstract: The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation.