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: 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: 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: Aspects of the disclosure relate to distributed ledgers in OTP verification. A computing platform may receive an event processing request. The computing platform may generate a one time password, and record the one time password in a distributed ledger, and send the one time password to a first device. The computing platform may receive, from a second device, the one time password, which may have been sent from the first device to the second device. Using the distributed ledger, the computing platform may validate the one time password, and may record, in the distributed ledger, validation information indicating that the first one time password was validated. Based on validating the first one time password using the distributed ledger, the computing platform may process a requested event, and may notify the second device that the event was processed.

Abstract: A method and system for authenticating a payment transaction. The method includes receiving a request for verifying a phone number associated with a Subscriber Identification Module card from a merchant application installed in the user device. Further, obtaining a first key from at least one of a server associated with a manufacturer of the user device and a network server. Furthermore, generating a first cryptogram based on at least one of the phone number and a unique identification value associated with the user device using the first key, wherein the first cryptogram is provided to the server associated with the manufacturer for verification. Upon verification of the first cryptogram, the method includes receiving a second cryptogram from the server associated with the manufacturer, wherein the merchant application provides the second cryptogram and payment transaction details to an issuer server for authentication of the payment transaction.

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: A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.

Abstract: A dual wearable smart device system and a method of using the dual wearable smart device system for authenticating an electronic financial transaction are described. In one embodiment, a method for approving an electronic financial transaction using at least two wearable smart devices includes providing a first wearable smart device that is designated as a payment device for conducting electronic financial transactions. The method also includes providing a second wearable smart device that is designated as a confirmation device for confirming the electronic financial transactions by the first wearable smart device. The method includes initiating, by the first wearable smart device, an electronic financial transaction, and, approving, by the second wearable smart device, the electronic financial transaction initiated by the first wearable smart device. The method further includes authenticating the first wearable smart device to complete the electronic financial transaction.

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: A method and apparatus for performing automated underwriting based on document images are described. The method may include receiving a document image corresponding to a form and data contained within the form for which an underwriting decision is to be rendered. The method may also include performing a first machine learning based analysis of the document image by extracting one or more keys and one or more values corresponding to the keys from the document image using a first machine learning model trained to digitize the form from the document image. The method may also include performing a second machine learning based analysis using the one or more keys and one or more values corresponding to keys as an input into a second machine learning model trained to make the decision based on key, value pairs.

Abstract: A prepaid electronic funds transferring system, components, and method is provided for users that do not have checking or savings accounts. A user has a digital currency store such as, for example, in a non-checking non-savings prepaid account associated with a secure unified prepaid banking card and/or smartphone app. Interest may be provided by an issuer on funds in the digital currency store. Debit and credit transactions may be processed. NFC and UWB geo-locating can be used to find lost cards and/or the mobile device on which the app is loaded. Electronic transactions may be received and performed without requiring a recipient to download an app. Secure semiconductors may facilitate wireless and non-wireless communications with ATMs and POS machines. QR codes may identify accounts, constitute private/public encryption keys, or other relevant info. A cold storage or hot storage system may be implemented for the digital currency store.

Abstract: A computing system includes a network interface circuit structured to facilitate data transmission over a network, and at least one 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 at least one processing circuit to: receive account information from a customer device via a browser or an application on the customer device based on a first code being captured by the customer device that causes the browser or the application to launch on the customer device, the first code including a first unique identifier; receive a predetermined second code from the customer device, the predetermined second code including a second unique identifier; verify the second code by matching the second unique identifier to the first unique identifier; and open an account in response to verifying the second code.

Abstract: Arrangements for smart tracking and dynamic authentication are provided. In some aspects, a user may be detected and image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques to determine whether the user is a recognized user. A connection may be established between an entity system and a user computing device and a type of connection may be transmitted to a computing platform for analysis. The computing platform may identify one or more authentication requirements based on the type of connection. The authentication requirements may be transmitted to one or more devices and executed. Authentication response data may be received and compared to prestored authentication data and, if the user is authenticated, an instruction or command causing a connection to be established between the user computing device and an entity computing device may be generated and transmitted.

Abstract: A transaction is detected on a transaction terminal. A first code is presented on a display of the transaction terminal that is encoded with an identifier and a passcode for a wireless connection between the transaction terminal and a mobile device operated by a customer. The mobile device processes the code to wirelessly connect to the transaction terminal using the identifier and the passcode. A second code is presented on a display of the transaction terminal. The second code when captured by the mobile device causes a transaction interface to be remoted from the transaction terminal to the mobile device over the wireless connection. The transaction continues with interactions provided on the mobile device and processed on the transaction terminal without any customer touching of the display of the transaction terminal and without any customer touching of any keys or keypad of the transaction terminal.

Abstract: Described are systems, apparatuses, methods, and computer program products for low-input initiation of user account-affiliated transactions. An example apparatus can comprise a processor and a memory storing program code configured to cause the apparatus to store payor information, authentication information, and account information associated with a payor; store payee information associated with payees; receive, from a payee device or a payor device, a request to initiate a payment, the request comprising information about a payor and payee as well as a payment amount; determine, based at least upon the information about the payor and payee, and the stored information, whether the payment is to a pre-approved payee or merchant with which payor has a pre-existing account; and, in an instance in which the determination is in the affirmative, initiate the payment by providing at least payor and payee information and payment amount a payment processor.

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 receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

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: Systems and methods are provided for use in provisioning accounts to mobile devices. One example method includes receiving, at a mobile device, a request to provision an account to a mobile device; prompting a user associated with the account for authentication at a wireless device associated with the account; receiving an account credential from the wireless device, via a local wireless communication between the mobile device and the wireless device, when the user is authenticated at the wireless device; transmitting the account credential toward a first party associated with the account, whereby the account credential is indicative of the authentication of the user; and provisioning the account to the mobile device, in response to an approval received from the first party.

Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via a user interface displayed on a client device, a signal including a request to transfer data; identify, based on the request to transfer data, a particular data record for receiving the data; determine, based on the particular data record, that a real-time transfer protocol is available to complete the transfer; and in response to determining that the real-time transfer protocol is available to complete the transfer, send, to the client device, a signal enabling a selectable option on the user interface to complete the transfer using the real-time transfer protocol.

Abstract: An ATM equipped with forensic card reader identification validation is provided. The ATM may include a real ID card slot. The real ID card slot may accept real ID cards. The ATM may include a call communications module. The call communications module may communicate with a third-party network. Upon insertion of a real ID card at the ATM, the ATM may retrieve security details from the real ID card. The ATM may transmit the security details to the third-party network via the call communications module. The third-party network may verify the security details with one or more databases which are accessible by the third-party network. Upon failure to verify the security details, the third-party network may transmit a failed verification response to the ATM.