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.

Abstract: Embodiments of the application provide methods and apparatuses for transaction processing. One method comprises: receiving a first transaction result from a first server, wherein the first transaction result is generated in response to a first transaction request from a client; determining a type corresponding to the first transaction result; generating a second transaction result matching the type corresponding to the first transaction result; and sending the generated second transaction result to the client in response to a second transaction request from the client.

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: A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payments platform can use external and internal operating modes for ingesting new or old payment transaction data from the payment gateway services at the cloud computing platform.

Abstract: Embodiments of the present invention relate to systems and methods that allow users to use their communication devices to perform transactions (e.g., payment transactions, access transactions, etc.). To complete a transaction, a resource provider electronically generates a code representing transaction data and displays it on an access device. The user scans the code with his or her communication device using a camera associated with the communication device, for example. The code is interpreted by an application on the communication device. The user may request and receive a token at the communication device corresponding to sensitive information selected to perform the transaction (e.g., a primary account number). The user may then provide the token and the transaction data via the communication device to a server computer, which may facilitate completion of the transaction between the user and the resource provider using the transaction data and the token.

Abstract: Various embodiments are directed to systems and methods enabling cardless cash withdrawals from ATMs and/or other funds dispensing system. In various embodiments, a finite-duration access code is generated and associated with an account from which funds are to be withdrawn in response to a validated request generated at a mobile app operating on a user's mobile computing device. The access code is provided to the user (e.g., via the mobile app), who can then provide the finite-duration access code and an associated PIN to the funds dispensing system. The funds dispensing system transmits the received access code and/or PIN to servers to validate the request. The servers compare the transmitted data against stored data associated with the user's account, and generates a verification response to be transmitted to the funds dispensing system upon verification. The funds dispensing system then provides the requested cash to the user.

Abstract: A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payment gateways that include a particular payment gateway. The cloud computing platform can include a multitenant database system that provides applications and services to a plurality of clients, and a payments platform module. Each client can be, for example, a tenant or organization of the cloud computing platform that transacts business with one or more customers via a payment gateway. The payments platform module has a pluggable architecture for integrating each of the payment gateway adapters with the cloud computing platform.

Abstract: Described herein is a system for generating a master token to be associated with a set of tokens. In some embodiments, a number of tokens may be obtained by a communication device, which may be provided to a primary authorization computer. The primary authorization computer may generate a master token to be associated with each of those tokens. When the master token is used to complete a transaction, an authorization request may be received by the primary authorization computer that includes the master token. Upon receiving this, the primary authorization computer may obtain approval from a number of secondary authorization computers associated with the tokens, and may generate an authorization response based on those approvals.

Abstract: A system having a program running thereon, the system including a storage device to store data regarding a session connection, at least one first apparatus, including an input unit to scan a prompt code, a processing unit to generate a replica of a touch-based input unit in response to the input unit scanning the prompt code, a display unit to display the replica of the touch-based input unit, and a communication unit to transmit an input signal from the input unit, and at least one second apparatus, including another communication unit to communicate with and receive the input signal from the communication unit, another display unit to display the prompt code thereon in response to the communication unit being within at least one of a first predetermined distance and a second predetermined distance of the another communication unit, another input unit comprising the touch-based input unit, and another processing unit to register the input signal corresponding to a same input on the another input unit.

Abstract: A transaction method using an electronic device. The method comprises detecting, during an online transaction, one or more fields capable of being automatically filled by the electronic device, the one or more fields associated with the online transaction. The method further comprises obtaining, using a sensor, biometric information of a user of the electronic device, and verifying an identity of the user of the electronic device based on the obtained biometric information. Additionally, the method includes, in response to verifying the identity of the user of the electronic device based on the obtained biometric information: identifying personal information of the user to be automatically filled into the one or more fields based on the verified identity, and inserting the identified personal information into the one or more fields for the online transaction.

Abstract: The embodiments herein provide a method and system for establishing data communication through a secure channel using audio signals. The method comprises registering a plurality of users to an application, initiating the application by a registered user, emitting audio signals using the audio signal emitter to establish a secure channel with the other participating device, receiving audio signals from the other participating device, validating the other participating device using a validating module, detecting the proximity of the other participating device using a proximity detector, establishing a secure channel between the participating devices, wherein the secure channel is established using audio channels, and enabling financial transaction between the participating devices.

Abstract: A method for handing off a transaction for completion is provided, the method including: via a point-of-sale terminal, receiving a transaction token that corresponds to the transaction, the transaction token having been transmitted over the internet cloud through a gateway device that is collocated with the point-of-sale terminal, and presenting the transaction token for acceptance by a guest device; and receiving a notification that the transaction is complete, the notification having been transmitted over the internet cloud through the gateway device; where, upon acceptance of the transaction token by the guest device, the guest device launches a web browser that is employed to receive details of the transaction for display on the guest device and to enable entry and transmission of transaction completion details by a guest on the guest device, and to receive notice that the transaction is complete.

Abstract: Systems and methods are provided for triggering delayed transaction processing when certain transaction gateway problems are detected across a number of transactions. To complete a given transaction, a processing system may coordinate transfer of funds in a manner that includes communications among multiple third-party systems, such as a tokenization service or token vault, a payment gateway, and a bank or credit card processor. When there are connectivity or other problems with one of these other systems, a system and associated methods are provided for selectively delaying a subset of transactions while still providing some assurance to the transaction requestor and recipient that the transaction will proceed.

Abstract: A method is provided that includes assigning one or more first records of a first table and one or more second records of a second table to corresponding range groups of a plurality of range groups. The method further includes comparing at least one record of the first table with at least one record of the second table, where the at least one record of the first table and the at least one record of the second table are assigned to a first range group of the plurality of range groups. The method also includes, based on the comparing, identifying a parent record and a child record and segmenting the parent record based on the child record. Further, the method includes subsequent to the segmenting the parent record, performing a join operation on the first table and the second table.

Abstract: A computing system can facilitate cross-medium transactions through use of a digital currency. The computing system can provide a guaranteed exchange rate and manage customer pools and/or slippage balances in digital wallets to adjust digital currency transfer amounts in order to align them with the guaranteed exchange rate.

Abstract: Methods are disclosed for a digital escrow service for an electronic transfer, where the transfer is completed based on the geographic location of the sender or receiver. The method includes obtaining information representative of a geographic area, initiating an electronic transfer, determining whether or not at least one of the sender and the receiver is located within the geographic area and executing the electronic transfer based on whether it is determined that at least one of the sender and receiver is located within the geographic area. As an enhancement, the method may include processing a transaction between a plurality of senders and a receiver.