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 to a merchant point of sale device and re-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: A fraud detection platform may receive transaction data relating to a transaction conducted by a user with a transaction card. The fraud detection platform may receive, from a biometric sensor of the transaction card, biometric data relating to one or more biometric characteristics of the user during the transaction. The fraud detection platform may receive, from an accelerometer of the transaction card, card movement data relating to a measure of shaking of the transaction card by the user during the transaction. The fraud detection platform may process the transaction data, the biometric data, and the card movement data, with a fraud detection model, to determine a fraud score associated with the transaction. The fraud detection platform may perform one or more actions based on the fraud score.

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.

Abstract: Methods for wireless payments using the Bluetooth low energy (BLE) protocol are provided. A first method includes establishing a wireless-short range communication link from a communication device to a peripheral device associated with an access device. The communication device receives item level data associated with an item being processed by the access device. The communication device displays the item level data associated with the item and transmits payment data to the access device. A second method includes establishing wireless-short range communication link to from a peripheral device associated with an access device to a communication device. The peripheral device transmits item level data associated with an item being processed by the access device, wherein the communication device displays the item level data associated with the item and receives payment data from the communication device.

Abstract: Pursuant to some embodiments, systems, methods and computer program code are provided for receiving a transaction request message, the transaction request message specifying transaction attributes for a proposed payment transaction involving a user of a mobile device and a merchant, comparing the transaction attributes with a permitted transaction rule, the permitted transaction rule having been stored in the mobile device prior to receiving the transaction request message, approving the proposed transaction upon determining that the transaction attributes satisfy the permitted transaction rule, the approving including generating a transaction cryptogram, and transmitting the transaction cryptogram to the merchant for use in completing the proposed payment transaction.

Abstract: The systems may include receiving, by a processor, transaction information for a transaction, wherein the transaction information comprises a transaction amount; matching, by the processor, the transaction information with a transaction type; retrieving, by the processor, a plurality of possible charge types associated with the transaction type; comparing, by the processor, the transaction information with the plurality of possible charge types; separating, by the processor, the transaction amount of the transaction information into at least one individual charge amount; and/or identifying, by the processor, a charge type of the plurality of possible charge types associated with the at least one individual charge amount.

Abstract: Systems and methods are provided for use in provisioning accounts to applications included in mobile devices. One exemplary 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: An information display method, a storage medium, and an electronic device are provided. The method includes: obtaining, by a terminal, resource transfer information used for transferring a resource; splitting, by the terminal, the resource transfer information into multiple pieces of resource transfer sub information; and displaying, by the terminal, a dynamic screen for indicating the resource transfer sub information. A quantity of pieces of the resource transfer sub information indicated on the dynamic screen at one moment is less than a total quantity of the multiple pieces of resource transfer sub information.

Abstract: A method and a system are provided for secure payment card transactions using a voice enabled device. The user device encodes a tokenized payment card transaction into an inaudible soundwave and emits the soundwave via a speaker to the voice enabled device. The voice enabled device, while in a listening state, detects the inaudible soundwave via a microphone. The voice enabled device decrypts the inaudible soundwave and transmits the decrypted tokenized payment for downstream processing by the payment card system.

Abstract: A method may include receiving an online purchase request in a merchant interface from an electronic device of a customer. The online purchase request includes payment related information of payment card associated with customer for purchasing an item at a set price. Method includes sending an OTP request to payment server. Method further includes receiving an OTP from payment server, and storing OTP as a merchant OTP. Further, method includes facilitating sending OTP to registered contact identifier of customer. Further, method includes providing an option to customer to input a customer OTP in merchant interface. Thereafter, upon receipt of customer OTP from customer, the method includes locking an online purchase order of item for the set price based on one or more conditions. Payment transaction from payment card is actuated after a time period of locking the online purchase order based on the one or more conditions.

Abstract: An electronic device is provided. The provided electronic device includes: a display; a communication module capable of communicating with an external server; a processor configured to control the communication module and the display; and a memory electrically connected to the processor, wherein, when the electronic device is executed, the memory includes instructions for the processor to control the communication module to transmit identification information of the electronic device to the external server, control the communication module to receive, from the external server, user identification information generated by the server in response to the identification information of the electronic device, control the display to display a purchase list generated based on the user identification information, and control the display to display a user interface through which payment for the purchase list is possible, based on a user input for confirming the purchase list. Other various embodiments are possible.

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: Systems and methods for managing bundles of cryptocurrency assets.

Abstract: A weight is generated for one or more loan tier metrics for each of a plurality of loan tiers, each loan tier associated with a respective loan tier qualifying score. A plurality of transaction records in the depository account of the user are received, the received transaction records including a chronological listing of debits and credits. A plurality of loan tier metrics are determined based on the chronological listing of debits and credits. A respective metric value is generated for one or more of the loan tier metrics, each respective metric value based on the transaction records in the depository account of the user.

Abstract: A system for facilitating a mortgage fulfillment process between a mortgage processor computing device and a borrower computing device is provided. The system comprises a mortgage operations module and a borrower interface module that are configured to allow for the communication and display of an identification of a plurality of required mortgage application documents, the association of a data file with one or more of the plurality of required mortgage application documents, the communication of the associated data file, and displaying an indicia that such data file was communicated. A method for implementing the processes described herein is also provided.

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-processer that filters incoming data transaction request messages prior to transmitting the messages for further processing, for example, by a matching engine. The pre-processer 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: Enabling an unattended device to accept card present transactions comprises establishing short-range wireless communication between the unattended device and an application on a mobile device of a cardholder. The unattended device includes a card reader and wireless interface. The unattended device receives a transaction amount for a transaction between the cardholder and the unattended device. The card reader on the unattended device reads account information from a payment card of the cardholder presented to the card reader. The unattended device encrypts the account information and the transaction amount to generate encrypted transaction data. The unattended device transmits the encrypted transaction data to the application on the mobile device using the short-range wireless communication for forwarding to a payment processing network using a network link of the mobile device.

Abstract: A credit scoring method and a server are provided. The method includes: determining at least one target user set in a plurality of user sets. The at least one target user set includes first behavior-unknown users whose predicted profit values are higher than second behavior-unknown users, the second behavior-unknown users are users other than the first behavior-unknown users on an application platform. The method also includes determining credit scores of first behavior-unknown users according to credit scores of behavior-known users in at least one determined target user set; obtaining first user samples from the first behavior-unknown users according to credit records of the first behavior-unknown users, the first user samples having profit values that satisfy a preset threshold; and performing credit scoring for a user according to a second scoring model obtained through training a first scoring model according to the first user samples and second user samples.

Abstract: A computer-implemented method for providing personalized purchasing information to a user may include: obtaining first identification data of the user from a first engine; verifying a registration status of the user based on the first identification data; obtaining second identification data of the user from a second engine based on the registration status of the user; comparing the first identification data of the user and the second identification data of the user; initiating a real-time credit monitoring session based on the comparison between the first identification data of the user and the second identification data of the user; generating the personalized purchasing information of the user based on the real-time credit score of the user; and demonstrating the personalized purchasing information on a display of a device associated with the user.

Abstract: A system and method relating to providing a program executable via an icon provided in one or more pages displayed by a user interface displaying content associated with an item available for purchase via a transaction platform associated with a merchant. In response to an interaction with the icon, a first form is generated in the user interface to collect data associated with a loan application associated with a transaction corresponding to the item. In response to receiving a submission of the data associated with the loan application, a determination is made to approve a loan associated with the item. A token including an identifier corresponding to the loan and the transaction is generated, such that the token can be processed to enable completion of the transaction.