Abstract: Various methods, apparatuses, and media for approving a first transaction related to identification information of an individual are provided. A second transaction to provide approval of the first transaction is received after the first transaction is authenticated. Secondary identification information of the individual is obtained in response to the second transaction being received, and an electronic device is identified based on the secondary identification information. A predetermined process for approving the first transaction is determined. Communication is initiated with the electronic device according to the predetermined process. The approval is provided in response to the predetermined process being completed, with the approval approving execution of the first transaction related to the identification information.

Abstract: Methods and systems for facilitating photo-based estimation are described. In an aspect, a server is configured to send via a communications module to a remote computing device a first signal comprising a chat interface. The server may receive, via the communications module and from the remote computing device, a second signal representing input received at the remote computing device through the chat interface. The server may identify an account associated with the remote computing device and retrieve policy data associated with the identified account from the data store. The server may automatically evaluate the input and policy data against predetermined criteria to determine whether a claim has a low risk level and, when the claim is determined to have a low risk level, engage a photo-based estimation module.

Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a transaction card that includes a contactless enabled chip having a customer-specific uniform resource locator (URL) stored thereon, where the contactless enabled chip is configured to communicate the customer-specific URL to a mobile device via a contactless communication to activate the transaction card for use in a transaction.

Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. More particularly, a method of accessing an account is disclosed. The method includes receiving, by a transaction card processing circuit from a customer device, information regarding the customer device and information regarding a contactless card associated with the account, where the information regarding the contactless card is received by the customer device via a contactless communication with the contactless card, authenticating a customer associated with the contactless card based on the information regarding the customer device and the information regarding the contactless card, and providing access to the account by the customer device based on the authentication.

Abstract: A computer-readable medium stores instructions that, when executed by one or more processors of a computing device, cause the computing device to dynamically generate and display, on an interactive display, one or more person icons and one or more property icons representing persons and properties associated with a loss event. Each person and property icon is generated and displayed as a user adds a corresponding person or property via the interactive display. Each of the person icons is a graphical representation of a person and each of the property icons is a graphical representation of a type of the corresponding property. The instructions also cause the computing device to dynamically link specific ones of the person icons to specific ones of the property icons as the user specifies relationships between the specific ones of the person icons and the specific ones of the property icons via the interactive display.

Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided.

Abstract: A computer-implemented method for generating an indication of whether a vehicle crash has occurred is presented. It may be determined whether data output by a base sensor(s) of a mobile computing device indicates that a vehicle crash condition has occurred. An additional sensor(s) of the mobile computing device may begin outputting additional sensor data when the data output by the base sensor(s) indicates that the vehicle crash condition has occurred. The additional sensor(s) may be caused to output the additional sensor data for an amount of time after the additional sensor(s) begins outputting the additional sensor data. An indication of whether a crash of a vehicle has occurred may be generated based on the additional sensor data output by the additional sensor(s) for the amount of time after the additional sensor(s) begins outputting the additional sensor data.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for discovery of and communication with nearby devices using direct radio signal communication. One of the methods includes receiving, by a payment service system, a message authorizing a payment from a user account to a merchant account, wherein the message was sent by a user device using direct radio signal communication to a nearby merchant device and forwarded to the payment service system by the merchant device. The message is decrypted to obtain a session token that authenticates the user device as being associated with the user account. If the session token is valid a payment transaction is conducted between the user account and the merchant account.

Abstract: Disclosed herein are embodiments of systems, methods, and products comprises an analytic server, which aggregates different accounts for a user. The analytic server queries data associated with the user. From the queried data, the analytic server determines the accounts and the account servers. From the account servers, the analytic server queries the transactions of the accounts. The analytic server generates an instance to aggregate the determined accounts and transactions. The analytic server further scans the user's email content to determine potentially unknown transactions. The analytic server compares the potentially unknown transaction from the email content with the transactions in the instance. If there is no match, the analytic server determines the account of the potentially unknown transaction from the email content is a new account that is not aggregated. The analytic server notifies the user regarding the new account and updates the instance to reflect the new account.

Abstract: Various methods, apparatuses, and media for approving a first transaction related to identification information of an individual are provided. A second transaction to provide approval of the first transaction is received after the first transaction is authenticated. Secondary identification information of the individual is obtained in response to the second transaction being received, and an electronic device is identified based on the secondary identification information. A predetermined process for approving the first transaction is determined. Communication is initiated with the electronic device according to the predetermined process. The approval is provided in response to the predetermined process being completed, with the approval approving execution of the first transaction related to the identification information.

Abstract: A method, apparatus, and system of activating and using a contactless card are disclosed. A mobile device includes a wireless chip structured to allow short-range wireless communications (e.g., a near-field communication), a processor, and a memory storing instructions. The mobile device is configured to communicate with a contactless card via a short-range wireless communication and receive a customer-specific uniform resource locator (URL) from the contactless card via a wireless chip. In response, the mobile device is configured to automatically open a web browser and navigate to a website associated with the customer-specific URL. The customer-specific URL identifying the client associated with the contactless card. The mobile device then prompts, via a GUI on the display, a user for authentication information, and based on a verification of the authentication information, display a confirmation page indicating activation of the contactless card.

Abstract: Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.

Abstract: In general, in one aspect, one or more embodiments relate to a method including receiving, in a business rules engine, input data from disparate data sources. The input data describes a merchant and an application by the merchant to use an electronic payments system for processing transactions between the merchant and customers. Featurization is performed on the input data to form a machine readable vector. By applying the machine readable vector as input to a machine learning model in a machine learning layer, a risk score is predicted. The machine learning model is trained using training data describing use of the electronic payments system by other merchants. The risk score is an estimated probability of the merchant being unable to satisfy an obligation of using the electronic payments system. A business rules engine, based on the risk score, limits use of the electronic payments system by the merchant.

Abstract: A multi-vendor risk relationship data store may contain electronic records representing a plurality of risk relationships between multiple vendors and an enterprise and, for each risk relationship, an electronic record identifier and a set of attribute values. An information sharing portal computer server may exchange an information request with a remote vendor platform. The information request may be, for example, associated with an employee of a sponsor associated with the vendor platform. The server may process the information request via a customized vendor-specific information sharing portal interface display and execute an algorithm to adjust, based on at least one attribute value, interactions with the vendor platform via the portal interface display. The server may also aggregate information associated with a plurality of vendor platforms and transmit the aggregated information to a remote administrator device associated with the enterprise.

Abstract: A transaction displaying method includes obtaining data associated with a transaction from a server, where the data includes data associated with one or more displaying groups and data associated with one or more displaying objects in each of the displaying groups. The method further includes, subsequent to the obtaining the data, detecting that the transaction is triggered, selecting, responsive to the detecting, a displaying group from the data, selecting a displaying object in the selected displaying group for display, and displaying the selected displaying object.

Abstract: Improved workflow processes for efficiently progressing through a credit union membership application using a user interface having a specially structured layout to facilitate the progression are disclosed. Initially, the user interface presents a membership account selection option to select which type of membership account to initiate. Based on the selected type of membership account, the user interface then displays a product selection option for selecting a specific type of product to initiate with the credit union. The user interface then displays an applicant information option structured to receive information about an applicant. Based on this information, there is a determination as to whether the applicant qualifies for membership. Additionally, the layout of the user interface is specifically required to have a number of features, which are designed to facilitate the application workflow.

Abstract: The disclosed embodiments relate to implementation, such as by a message processing system architecture, of a message handling system and/or protocol which mitigates optimistic messaging behavior. Optimistic messaging behavior may at least refer to the transmission, in whole or in part, of a message, or of one or more messages of a sequence thereof, to a receiving system, such as the system implemented by the disclosed embodiments, prior to the sender determining that the message(s) is/are desired, alone or in conjunction with subsequently canceling or otherwise invalidating the message(s) once it has been determined that it is not desired. The disclosed embodiments mitigate such behavior by detecting and taking action with respect to these types of messages to deter optimizing behavior which may or may not be manipulative, while maintaining reliable message handling under increasing processing loads with minimal impact on users being able to send messages to the system.

Abstract: Systems and methods of decentralized block chain voting are provided. Polling data that includes a plurality of polling options and an option identifier associated with each polling option is retrieved. A customized cryptographic currency address is generated for each of the plurality of polling options based on the corresponding option identifier associated with each polling option. A specified amount of cryptographic tokens are transferred to the customized cryptographic currency address for a selected polling option. The transfer is broadcast to a cryptographic currency network for confirmation and inclusion within a block chain ledger of the cryptographic currency network.

Abstract: A customer interfacing with a credential manager may be enabled to request and obtain securely from the credential manager additional details related to a service transaction previously effected between the customer and a service provider using a customer transaction credential managed by the credential manager. To obtain such a detailed customer receipt for presentation to a customer, the credential manager may provide an authenticatable customer receipt request to the service provider that may include certain information indicative of an active session between the credential manager and an authenticated customer and/or certain information indicative of a trusted relationship between the credential manager and service provider. When a request is authenticated, the service provider may provide a detailed customer receipt to the credential manager in a format that may be presented to the customer but that may not be used by the credential manager to easily access details conveyed by the receipt.

Abstract: Apparatuses, systems, and methods are provided for the usage of enhanced pictures (e.g., photos) of tangible objects (e.g., property, cars, etc.) damaged in an accident and answers to questions about the accident to better assess the effect of the damage (e.g., repair expenses and accompanying changes to an insurance policy). A pre-FNOL system may receive responses to one or more questions regarding an accident and one or more enhanced pictures of the tangible property damaged in the accident. The pre-FNOL system may use the responses to the one or more questions and the one or more enhanced pictures to determine repair costs associated with the damaged property and accompanying changes to the insurance policy if an insurance claim were to be filed to cover the determined repairs costs.