Abstract: Tracking account positions in a real-time payments system is provided. Each of a plurality of participants is linked to a funding agent account via an ACH network, thereby creating a plurality of linked participants. Each of the plurality of linked participants is provided access to a current prefunded position of the funding agent through the ACH network. An unsettled financial position of each of the plurality of participants is compared to the current prefunded position of the funding agent. A determination is made whether to perform a financial settlement for a corresponding one of the plurality of participants based on the comparison. The financial settlement for the corresponding participant is performed when it is determined that the unsettled financial position of the corresponding participant is not greater than the current prefunded position of the funding agent.

Abstract: A token-based biometric payment processing system facilitates point-of-sale (POS) processing of payments. A biometric identification provider (BIP) receives a single-use token (SUT) from a payment processor (PP). The SUT is associated at the PP with a payment account on file (PAOF) and with an identity at the BIP. Upon identification at a scanner by the BIP, the SUT is processed to generate payment data (PMT) that is secured. The PMT is sent to the scanner, which forwards the PMT to a PP terminal using a communication interface and protocol. The communication interface and protocol may use existing contactless approaches, such as those used for mass transit cards, allowing the scanner to communicate with a wide array of PP terminals. The PP terminal then sends the PMT on to the PP. The PP receives the PMT and, if the PMT is valid, initiates a transaction to transfer funds from the PAOF.

Abstract: Provided are an augmented reality device for performing a payment by recognizing a payment code and a method of operating the same. The method may include obtaining, based on gaze information of both eyes of the user, a gaze point where gaze directions of the both eyes of the user converge, wherein the gaze information is obtained using at least one gaze tracking sensor; determine a region of interest corresponding to the gaze point on an image obtained through the camera; enlarge the region of interest; recognize a payment code included in the enlarged region of interest; and perform a payment by using the payment code.

Abstract: A processing unit and a mobile identity information controlled financial account device may communicate. The processing unit receives at least one digital representation of a biometric, obtains identity information using the at least one digital representation of the biometric, and determines whether or not to transmit an authorization signal to the mobile identity information controlled financial account device that enables use of the mobile identity information controlled financial account device in at least one transaction involving at least one financial account. The mobile identity information controlled financial account device may be usable for the at least one transaction when the mobile identity information controlled financial account device receives the authorization signal.

Abstract: A computing system includes a network interface circuit structured to facilitate data transmission over a network, and at least one processing circuit configured to receive account information from a provider device via an input/output device of the provider device, the account information corresponding with a user account, generate a first code including a first unique identifier specific to the account information, the first code being configured to be captured by a user device to cause a browser or an application to launch on the user device, receive a user confirmation from the user device in response to the first code being captured by the user device, the user confirmation including the first unique identifier, determine the first unique identifier received with the user confirmation corresponds with the account information, and open the user account in response to confirming the first unique identifier corresponds with the account information.

Abstract: A method for providing a hosted portal to facilitate secured payouts is disclosed. The method includes receiving, via the hosted portal, a request from a first user, the request including a refund request from the first user to a second user, user information, and transaction information; generating a hyperlink for the second user based on the transaction information, the hyperlink referencing the hosted portal; validating the request by using the user information; transmitting, via a communication channel, the hyperlink to the second user based on a result of the validating; receiving, via the hosted portal, payout information from the second user; and automatically initiating a transaction based on the transaction information and the payout information.

Abstract: A computing system includes a network interface circuit structured to facilitate data transmission over a network, and a processing circuit having one or more processors coupled to non-transitory memory storing instructions that when executed by the one or more processors, cause the processing circuit to: generate a first code specific to at least one of an individual or an event, the first code being displayable for capture by a customer device associated with a customer; generate a second code regarding the customer; cause a providing of the second code to the customer device; and in response to receiving the second code from the customer device within a predefined parameter of receiving customer information and an indication of a capturing of the first code from the customer device, cause an opening of an account for the customer.

Abstract: A self-contained biometric device, method, and system for secure digital transactions is provided. The device comprises a housing that may be a subdermal implant, dermally-applied biometric tattoo, ergonomic external wearable, or smart card. The housing maintains consistent secure functionality during offline and online operation modes and includes a biometric verification module that captures a biometric input of a user and performs user authentication entirely within the device. A hardware-isolated storage module physically isolated from external networks stores cryptographic keys, credentials, and biometric templates. The device permits access to the cryptographic keys and credentials only upon successful user authentication. A transaction processing module resident inside the hardware-isolated storage module executes digital asset transactions entirely within the device in offline mode.

Abstract: A dynamic transaction card comprising an outer surface, a sensor, and a display disposed on the outer surface is disclosed. The dynamic transaction card can include an antenna and a microcontroller controlling a dynamic transaction card application. The dynamic transaction card can also include a secure payment chip having a plurality of contact points and storing a passive tag associated with a user. The passive tag can include a unique identifier and one or more log-in credentials for the user. When making a purchase, the user can be authenticated via a connection between the dynamic transaction card and a user device. The unique identifier can be used as an authentication token and the one or more log-in credentials can be verified against log-in credentials associated with the user.

Abstract: A system includes a processor and a non-transitory computer readable medium coupled to the processor. The non-transitory computer readable medium comprises code that when executed by the processor, causes the processor to receive a money transfer amount indicative of an amount of funds to be transferred to a recipient. The processor generates a key code associated with the money transfer amount that is provided to a user of the system and given to the recipient by the user. The key code is programmed by the processor to enable the recipient to use the key code to redeem the amount of funds associated with the money transfer amount.

Abstract: Systems and methods are provided to increase the rate at which a system can accept and process data transaction request messages. The system includes a pre-processor that filters incoming data transaction request messages prior to transmitting the messages for further processing, for example, by a matching engine. The pre-processor quickly identifies whether a new arriving data transaction request is transactable. If the new arriving data transaction request is not transactable, then the data transaction request will be transmitted and stored in a main data structure and not transmitted to the matching engine.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media for an automated financial management system. One of the methods includes receiving data indicating a list of historic transactions of a user from a plurality of financial institutions. The method includes identifying at least one predicted unexpected expense based on providing at least some of the data to a trained machine-learning model, the trained machine-learning model trained using historic transaction data of a plurality of other users. The method includes determining a plan to account for the unexpected expense. The method also includes automatically transferring an amount based on the plan.

Abstract: In general, one aspect disclosed features a system, comprising: a hardware processor; and a non-transitory machine-readable storage medium encoded with instructions executable by the hardware processor to perform operations comprising: identifying a seat in which a passenger is seated in a conveyance having multiple seats based on wireless signals exchanged with a device of a passenger; determining a payment status of the ticket of the passenger using the wireless signals; and generating a map of the conveyance indicating the seat in which the passenger is seated and the payment status of the ticket of the passenger.

Abstract: Systems and methods for predicting illegitimate activity based on detecting user marker levels include determining a presence of a user sample at a user services system, the user services system including one or more marker sensors, collecting, via the one or more marker sensors, sensor device data, the sensor device data including user marker levels from the user sample, analyzing, via one or more processors, the user marker levels compared to a marker range, and upon determining the user marker levels exceed the marker range, generating an illegitimate activity alert.

Abstract: A touchless method and system of performing an authentication of a person in order to permit access to a secured resource is disclosed. The system and method are configured to collect channel state information associated with a person as they pass through a sensor zone and identify a biometric signal for the person. The system detects whether there is a match between the biometric signal and any biometric signals previously collected and stored in a database. If there is a match, the system verifies an identity of the person and can be configured to automatically grant the person access to one or more services, features, or locations for which he or she is authorized based on the authentication.

Abstract: Shoppers install a software app on a mobile device and create a user profile. The shopper scans a fingerprint using a fingerprint sensor. Scanned fingerprint data is wirelessly transmitted to the shopper's mobile device for re-transmission over the Internet for storage in a secured server. The shopper can add payment methods (credit cards, debit cards, etc.) to the user's profile. Participating merchants registered with the payment system provide a fingerprint sensor at the point of sale. A shopper transacts purchases at a merchant's location by placing a finger on the fingerprint sensor. Scanned fingerprint data is transmitted over the Internet to confirm the identity of the shopper, and to complete the transaction. A shopper makes purchases online using the installed software app. Participating merchants integrate APIs with existing e-commerce platforms, allowing merchants to charge and/or request access to user payment accounts.

Abstract: Methods and systems are presented for providing a framework that enables a computer system to analyze and compare changes to different account characteristics of different accounts that occurred over a time period. A code is generated for an account to represent changes to different account characteristics of the account within the time period. Changes to different account characteristics may be highlighted in the code using different colors or patterns. By analyzing the code, overlapping changes from different account characteristics that occurred within the same time frame may be detected. The different change patterns associated with the user account may then be used to assess a risk for the user account and/or a transaction involving the user account.

Abstract: To provide a settlement processing system making use of digital assets that can assure, without using arbitrage function by HET, price linkage between a first order book and a second order book and trading liquidity between the order books.

Abstract: A system and method for processing digital payments using a smart chip payment acceptance module associated with an Internet of Things (IoT) or vending device via a virtual EMV terminal process for cloud-based digital payment transactions. A short-range communication channel is provided between a mobile user device and the payment acceptance module. The mobile user device includes a wallet application with an integrated merchant application used to create a payment transaction. An unlock device enables digital secure remote payments (DSRP). A smart chip server connected to a payment gateway can generate an encrypted proof of payment (POP) message indicating completion of the payment transaction. The user can complete the payment transaction using the integrated wallet application within the user device in an online or offline mode of the vend device for seamless interaction with the system by a new user as well as improved flexibility for merchants and consumers.

Abstract: A computer system for determining personalized loss event valuations is provided. The computer system includes one processor in communication with at least one memory device, and the at least one processor is programmed to: (i) receive user data from the user computer device, wherein the user data include data related to a user's personal information and personal property, (ii) utilize a trained machine learning model to determine a first loss valuation associated with a first loss event based at least in part upon the user data, (iii) utilize the trained machine learning model to determine a second loss valuation associated with a second loss event based at least in part upon the user data, wherein the first loss event and the second loss event are different loss events, and/or (iv) generate a loss event policy that includes the first loss valuation and the second loss valuation.