Abstract: Systems and methods for determining transaction locations are disclosed. In one embodiment, a method includes receiving, from a computing terminal, information indicating the completion of a transaction associated with a mobile device, sending, to the mobile device, a confirmation of the completion of the transaction, receiving, from the mobile device, location information indicating latitude and longitude information of the mobile device, confirming that the location information is within a predetermined distance of a stored location of the computing terminal, updating the location information associated with the computing terminal to include the received location information, and determining, based on the location information associated with the computing terminal, a location of the computing terminal.

Abstract: Arrangements for facial recognition and processing are provided. In some aspects, a request to process a transaction may be received. In response to the request, image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques. If the user cannot be identified, payment information may be requested from the user. If the user can be identified, the user may be identified and user profile data associated with the user may be retrieved. In some examples, the user profile data may include user contact information, user device identifying information, and the like. User device data may be extracted from the user profile data and a notification including an instruction to initiate payment processing may be generated. The notification may then be transmitted to the user device identified from the extracted data and the instruction may be executed to initiate payment processing.

Abstract: The invention teaches a decentralized autonomous organization (“DAO”) that manages a network of micro home businesses via a secure communication environment. A service provider curates active and passive income opportunities and provides training courses for worker users. A worker user selects a home configured to enable their preferred income opportunities then applies for a mortgage. The mortgage is pre-approved then a bridge loan is provided for construction. After construction is completed, the mortgage retires the bridge loan. Then the worker user occupies the home business and generates active and passive income to pay off the mortgage. Each micro home business is a node in the DAO. The DAO is maintained through competitive bids from service provider users. Disputes are resolved by arbitrator users. The internet of things is used to enable proactive maintenance.

Abstract: Aspects of the disclosure relate to identity management and recommendation. A computing platform may receive a request to access information associated with one or more user accounts. The computing platform may send a biometric authentication prompt for identifying a user. The computing platform may receive biometric input of the user. The computing platform may retrieve one or more biometric enrollment templates from a database. The computing platform may compare the biometric input to the one or more biometric enrollment templates to determine if a match exists between the biometric input and one of the one or more biometric enrollment templates. Responsive to the user being authenticated based upon a match, the computing platform may retrieve and send information associated with the one or more user accounts. The computing platform may generate and send one or more recommendations associated with usage of the one or more user accounts.

Abstract: A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.

Abstract: The present invention provides a server (10) including an authentication result acquisition unit (11) that acquires a result of biometric authentication of a service provider based on biometric information repeatedly acquired from the service provider heading toward an appointment location for a customer, and a result transmission unit (12) that transmits the result of the biometric authentication of the service provider to a terminal of the customer.

Abstract: Systems and methods for alternative payment mechanism payments using ultra-wideband radio technology are disclosed. A method may include a payment terminal computer program executed by a payment terminal selecting a customer electronic device that is conducting the payment transaction with the payment terminal; communicating, via a payment terminal UWB radio to the selected customer electronic device, payment transaction details for the payment transaction comprising a merchant identifier and a transaction amount; receiving, from the selected customer electronic device via the payment terminal UWB radio, an APM payment message for an APM payment provider; communicating the APM payment message to the APM payment provider, wherein the APM payment provider is configured to decision the transaction based on the APM payment message; and receiving, from the APM payment provider, a payment confirmation for the payment transaction.

Abstract: To automatically streamline a vehicle claims process after a vehicle is damaged in a crash, sensor data from a plurality of sensors may be received and analyzed to determine crash information and to detect a crash involving the vehicle. The crash information may be transmitted to a server device, which may determine a treatment complexity level based on the crash information. A client device may receive crash repair information from the server device, the crash repair information including the treatment complexity level, and display the crash repair information.

Abstract: According to some embodiments, an automated scoring analysis computer may access information in a historical data store, including sets of attribute values and prior results for a plurality of prior associations, to create a scoring model. An indication of a selected potential association from a potential association data store may be received, including a set of attribute values. The scoring analysis computer may then calculate a risk score for the selected potential association based on the scoring model. A front-end application computer server may automatically select a workflow path from a plurality of potential workflow paths.

Abstract: Disclosed embodiments include systems and methods for improving the accuracy of online banking systems. In various embodiments, the system includes a user device capturing receipt information from one or more e-commerce application and a server device for associating captured receipt information with transaction data. The system may include a browser extension for facilitating automatic capture of receipt information and a matching module for associating receipt information with transaction data. In various embodiments, transactions displayed in transaction statements within an online banking application are augmented with item level data including product name, price, and vendor for each product included in a transaction.

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: Techniques are described for determining data dependent alert profiles to be presented on sender and/or receiver computing devices in response to a request for transfer of a data from the sender to the receiver. The alert profiles are determined based on a value of the data. The sender alert profile may be determined based on the information on sender accounts and the receiver alert profile may be determined based on the information on the receiver account. The alert profiles may be determined based on a history of the data transfer between the sender and the receiver, or account history of either the sender or the receiver, or the history of the data transfer within the system. The alert profiles may be presented on computing devices, for example through haptic actuators, to provide a sense of the data value to the user.

Abstract: Methods, systems, and apparatuses are described herein for protecting user accounts using machine learning models. A machine learning model may be trained to determine whether account activity indicates a risk to credit scores. Account data, associated with a first financial account, may processed to determine whether the first financial account is associated with at least one underage user. A transaction request, associated with the first financial account, may be received. A history of transactions conducted by the first financial account may be retrieved. The trained machine learning model may be provided, as input, the transaction request and the history of transactions. An indication of risk to a credit score associated with the at least one underage user may be received as output from the trained machine learning model. A limitation may be added to the first financial account based on the indication of risk.

Abstract: Provided is a computer-implemented method for real-time automatic authorization of a payment transaction that is independent of an authorization input from a consumer. The method may include receiving first data associated with a consumer, generating a payment transaction classification model based on the first data associated with the consumer, receiving second data associated with the consumer, determining whether to process a payment transaction in real-time between the consumer and a merchant independent of an authorization input received from the consumer using the payment transaction classification model and the second data associated with the consumer, and processing a payment transaction between the consumer and the merchant based on determining to process the payment transaction in real-time between the consumer and the merchant.

Abstract: This disclosure describes, in part, techniques for validating a money transfer request between a sender and a recipient via challenge questions. For instance, the method includes determining, by a payment service system, a level of risk associated with the money transfer request between the sender and the recipient; in response the level of risk being higher than a threshold, obtaining a query for the recipient, wherein the query is based at least on the current money transfer request or one or more past requests between the sender and recipient; receiving, from the recipient device, a response to the query; and validating the current payment transaction based on the response.

Abstract: An example method includes receiving information related to a transaction with a financial account initiated by a customer at a financial terminal, the financial account including a transaction limit. Based on the information related to the transaction exceeding the transaction limit for the financial account, the method includes identifying a mobile device associated with the financial account and receiving location information of the mobile device via one or both of a passive location response or an active location response. Based on the location information of the mobile device, the method includes determining that the mobile device is located within a predetermined distance from a location of the financial terminal and temporarily changing the transaction limit for the financial account by a variable amount based on whether the location information of the mobile device was received via the one or both of the passive or the active location response.

Abstract: Proposed is a mobile automotive car system, and method thereof, for a dynamic, telematics-based connection search engine and telematics data aggregator, wherein risk-transfer profiles are captured and categorized in a results list from a plurality of first risk-transfer systems based on dynamically generated driving score parameters by means of appropriately triggered automotive data. As a variant, during a predefined trial period, the automotive and driving behavior data can be collected, which are transmitted together with the generated driving score parameters to multiple automated first risk-transfer systems for quotation. The user is able to dynamically select the best-fitting first risk-transfer system for risk-transfer by means of the results list, which is provided and updated in real-time for display to and selection by a user of a mobile telecommunication apparatus by means of a mobile telematics application of the mobile telecommunications apparatus.

Abstract: In some embodiments, the present invention provides for an exemplary inventive system that may include executable program code and a computer processor which, when executing the particular program code, is configured to perform operations of: receiving, for a population of energy consuming physical assets, asset-specific historical data and asset-specific current energy consumption data from utility meter(s), sensor(s), or both; determining, for each respective physical asset category, each respective frequency of breakdowns and each respective average severity of each breakdown; determining, an adjusted breakdown loss value per each physical asset for each respective physical asset category; determining a respective average current energy consumption value per each physical asset for each respective physical asset category; associating each respective energy consuming location to a particular physical asset category; generating, based on usage-based breakdown insurance premium value of the respective energy

Abstract: According to an embodiment of the present invention, an automated computer implemented system maintains and manages limits data relating to restrictions associated with a client, trader, machine or other entity. The system comprises a consolidated repository; an interactive user interface; a trading system interface that communicates approved limit to one or more trading or limit enforcement systems; and a computer processor. The computer processor is programmed to: receive inputs from a plurality of sources; identify one or more authorized users to request and approve the limits; effectuate the one or more limits for the trade request via one or more trading or limit enforcement systems; and provide, via the interactive user interface, a reporting function for data relating to one or more limits.

Abstract: Embodiments of the disclosure enable a transaction to be preauthorized. A system receives a request for preauthorization of a transaction including a transaction amount and a cardholder identifier, identifies a cardholder account based on the cardholder identifier, determines a transaction timeframe and a machine identifier, and accesses the cardholder account to determine whether to process the transaction in accordance with a nonvisual communication program. On condition that the transaction is to be processed in accordance with the nonvisual communication program, the system generates an instruction to identify a capture time, determine whether the capture time satisfies the transaction timeframe, and dispense the transaction amount of cash in accordance with the nonvisual communication program on condition that the capture time satisfies the transaction timeframe. Aspects of the disclosure provide for preauthorizing the transaction in a secure and user-friendly manner.