Abstract: Systems and methods are provided that enable a vendor to utilize a digital wallet service to complete an online transaction with a user via a messaging channel (e.g., a chat channel), in a scenario where the vendor does not have a front end application running on the user's client device (i.e., there is no mechanism for the vendor's web-based application, such as a bot, to communicate with a digital wallet application running on the user's device). An online digital wallet service generates and caches a payment request (which can be rendered at a later time by the digital wallet service for interaction with the user) which is requested by the vendor, and provides the vendor with a reference to the cached payment request. The vendor provides the reference to the user such that the user can access the payment request via the link.

Abstract: A method and apparatus for selecting a financial account associated with a payment object based on fund availability are disclosed. A payment object, such as a proxy card associated with multiple financial accounts, is used by a consumer to make a purchase. In one example, the consumer selects a debit card associated with the proxy card to use for the purchase. A computer system determines that the debit card account has insufficient funds available for the purchase, and determines that an alternate account associated with the proxy card has sufficient funds. The computer system notifies the consumer, via a mobile device of the consumer, that the debit account has insufficient funds, and provides the consumer with the option of using the alternate account. The consumer indicates a desire to use the alternate account, and the computer system processes the payment based on the alternate account.

Abstract: Systems and methods are provided for use in implanting account controls based on conditional states of users associated with the accounts. One exemplary method general includes receiving, by a computing device, status data for a user where the status data is indicative of a current conditional state of the user. The method also includes accessing, by the computing device, at least one account control rule for an account associated with the user, where the at least one account control rule associated with a conditional state, and activating, by the computing device, the at least one account control rule when the current conditional state of the use is the same as the conditional state associated with the at least one account control rule.

Abstract: A method and system for predicting a likelihood of success of a potential value-added tax (VAT) reclaim are provided. The method includes receiving at least one VAT receipt; analyzing the at least one VAT receipt; retrieving information respective of likelihood of success respective of the VAT receipt analysis; and determining the likelihood of success of the potential VAT reclaim.

Abstract: A mobile communication device. The device comprises a cellular radio transceiver, a short range radio transceiver, a processor, a memory, and an electronic commerce mobile application stored in the memory. When executed by the processor, the electronic commerce mobile application determines an inventory of mobile applications of the device, transmits the inventory via one of the radio transceivers to a security server application executing on a computer system external to the mobile communication device, and detects when the device enters a retail store associated with the electronic commerce mobile application.

Abstract: The disclosed technique enables a consumer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the transaction amount should be apportioned among multiple payers. In certain embodiments, the technique involves communication between a mobile payment application installed on the consumer's mobile device and a remote payment service system (PSS). The mobile payment application enables the user to specify how many payers there are, who the payers are, and exactly how the transaction amount should be apportioned among the payers. The mobile payment application communicates this information to the PSS, which then executes or triggers reimbursement to carry out the specified apportionment.

Abstract: Methods, computer program products, and systems, related to providing financial gadgets to users. In one implementation, a method includes receiving gadgets and receiving a notification that one or more gadgets has been certified. A web page with an interface through which users can select gadgets is generated and provided to a user computer. A user selects a gadget, and the selected gadget is run, including providing the user-specific financial information to the gadget. Content based on the output of the gadget is provided to the user. User-specific financial information can be collected, and modified by the gadget. A notification can be received that a financial institution has authorized one or more of the certified gadgets and the web page can only allow users to select authorized gadgets.

Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information. The one or more processors may also be configured to transmit the deposit token to the mobile device for displaying a readable code generated based on the deposit token, receive a point of sale deposit authorization notification from the merchant device indicating at least receipt by the merchant device of the deposit token from the mobile device, and transfer funds to a financial service account based on the received deposit information and authorization notification.

Abstract: A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.

Abstract: Disclosed is a technology for customizing the flow of a payment transaction at a payer's mobile device, based on parameters associated with a merchant payee to which the payer is making the payment. The payee can be a business entity that conducts transactions involving tips (e.g., restaurant, professional service, etc.). The transaction flow technology involves communication between a mobile application installed on the mobile device and a remote payment service system (PSS). A list of potential payees can be displayed for selection by the payer at the mobile application. The payees can be nearby payees identified by using, e.g., BLE, Bluetooth®, Wi-Fi®, geofence, etc. Upon selection of a particular payee by the payer, the PSS identifies one or more parameters of that payee, e.g., payee type, and generates a transaction flow that includes a tipping flow corresponding to the parameters of the merchant payee.

Abstract: A method for effecting electronic payment, safeguarding banking and account information, while utilizing existing payment systems. The method comprises generating a system routing number and a payment identification code (PIC) relating to the beneficiary's account information, distributing payment identification codes to the existing payment system and financial institutions owning the account related to the payment identification codes, and the originator receiving a system routing number and the beneficiary's PIC number.

Abstract: Methods, systems and computer readable instructions to provide, and receive, location-variable insurance. Risk zones may be created that have geographic boundaries. A risk zone is a geographic area that has a risk of loss factor associated with the risk zone. Risk zones may have a temporal range, where the existence, geographic boundaries and risk of loss factor for a risk zone may change with time. A location of a person or thing insured may be determined on an on-going basis, providing the opportunity for continued coverage over a wide range of risk of loss factors.

Abstract: An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client.

Abstract: Methods, apparatuses and article of manufactures for receiving a plurality of bids and offers for a binary options transaction. Each bid and offer comprises a quantity and a price. At least one rule is applied to the plurality of received bids and offers. At least one of the plurality of bids and offers is determined to be potentially manipulative. An alert that the at least one bid or offer is potentially manipulative is transmitted.

Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.

Abstract: A network outage and redundancy module which provides improved security, platform independence and continuity in information between financial hardware and enterprise applications.

Abstract: Methods, apparatuses, and article of manufactures for receiving a plurality of bids and offers for a binary options instrument. Each bid and offer comprises a quantity and a price. A subset of bids and offers from the plurality of received bids and offers is generated. At least one rule is applied to the subset of bids and offers to generate a reduced subset of bids and offers. A binary options index is computed from the reduced subset of bids and offer. A request for a binary options transaction that is based on the computed binary options index is received.

Abstract: Exemplary payment networks and methods are provided for facilitating data transfers. One exemplary method includes determining a performance of a first path through a first WAN between a hub and a customer, determining a performance of a second path through a second different WAN between the hub and the customer, causing a data traffic associated with a first class of application to be routed along the first path when the performance of the first path is within a first performance threshold, and causing the data traffic, when routed along the first path, to be switched to the second path when the performance of the first path fails to satisfy and/or violates the performance threshold.

Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information. The one or more processors may also be configured to transmit the deposit token to the mobile device for displaying a readable code generated based on the deposit token, receive a point of sale deposit authorization notification from the merchant device indicating at least receipt by the merchant device of the deposit token from the mobile device, and transfer funds to a financial service account based on the received deposit information and authorization notification.

Abstract: A terminal device includes a first communication unit that performs communication via a first short-range wireless communication method, and a second communication unit that performs communication via a second short-range wireless communication method different from the first short-range wireless communication method. The terminal device further includes an obtaining unit that obtains payment information including information on a monetary amount for goods or a service by using the first communication unit, a confirmation unit that accepts input of information indicating payment approval for the obtained payment information, and a transmission unit that, in response to acceptance of input of the information indicating the payment approval, transmits the obtained payment information to an information terminal by using the second communication unit. The information terminal communicates with a payment server via a network.