Abstract: A payment two-dimensional code secure payment method and system without two-step authentication. The method comprises the following steps: by means of a payment application, producing a first payment two-dimensional code and a second payment two-dimensional code, and alternately displaying the first payment two-dimensional code and the second payment two-dimensional code; respectively identifying the first payment two-dimensional code and the second payment two-dimensional code to acquire complete payment information; sending the complete payment information to a payment centre for verification; when verification is successful, the payment is complete. The present method effectively avoids the property loss incurred by users due to scanning of payment two-dimensional code pictures, and increases payment security.

Abstract: The system and methods described herein allow users to give their applicant information when seeking to submit an inquiry associated with a product provided by at least one entity, and have various lender microservices run in parallel, segregated by entity, in a jailed and self-contained, autonomous environment. The result of these microservices may be returned as a response to the inquity, being determined autonomously for each respective entity based on one or more respective rule sets or executable logic for each respective entity. Payloads for multiple entities may be combined in a single output from the jailed and self-contained environment due to outputs from the environment being encrypted in a universal format, wherein the outputs are decrypted in a user session in an application, allowing the user to see the results of the respective responses of each of the at least one entity, to their inquiry.

Abstract: Systems and methods for activating and using dynamic cards are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for activating a dynamic transaction instrument may include: (1) receiving, from an electronic device, an identification of an inactive financial instrument to activate; (2) receiving, from the electronic device, at least one parameter that restricts the use of the inactive financial instrument after it is activated; and (3) activating the inactive financial instrument subject to the at least one parameter by associating, at a backend, an account with the inactive financial instrument.

Abstract: Systems, methods, and storage media for pre-approving onboarding to a payment platform, executing on a processing device are disclosed. Exemplary implementations may: access a node network; determine a first entity associated with a first node of the plurality of nodes is not a member of a payment platform; determine a total strength of connections of the first node to one or more nodes of the plurality of nodes exceeds a predetermined threshold value; and flag the first node of the plurality of nodes for an offer of onboarding to the payment platform consequent to determining the total strength of connections of the first node to the one or more nodes of the plurality of nodes exceeds the predetermined threshold value.

Abstract: In some implementations, a device may receive, from a user device, a query for information from a user. The device may receive, from an enterprise system, data identifying products and services to be offered by the user. The device may process the query and the data, with a model, to identify a subject of the query and a context for the subject. The device may process the subject and the context, with a model, to determine a workflow for the user. The device may process the data, the subject of the query, and the context for the subject, with a model, to determine a key performance indicator or a decision associated with one of the products or the services. The device may provide information identifying the workflow, the key performance indicator, and/or the decision to the user device via a virtual assistant or a user interface.

Abstract: The invention provides systems, methods and computer program products for securing electronic transactions and users of electronic transaction services from phishing attacks by malicious attackers and fraudsters. A terminal device receives a first data communication comprising an OTP associated with a requested electronic transaction, and identifies a validity period associated with the OTP. The terminal device responds to detection of a second data communication between the terminal device and a remote entity during the identified validity period, by extracting content from the second data communication. The extracted content is analyzed and a risk decision is generated based on output of the analysis of the extracted content. The risk decision determines whether the remote entity comprises, or is controlled by, a malicious attacker.

Abstract: Risky actions versus non-risky actions in a transaction are identified and a fraud score associated with probabilities of the risky actions is updated accordingly for purposes of determining whether the transaction is likely or not likely to be associated with fraud. A machine-learning model is trained to predict the risky actions versus non-risky actions of a transaction based on the transaction features as a whole and compare the predicted action labels of risky and non-risky versus the actual actions taken in the transaction to calculate probabilities of risky actions taken and output a risk or fraud score based thereon. Higher probabilities correlate with lower risk scores and vice versus.

Abstract: Various embodiments are generally directed to techniques for accurate evaluation of a financial portfolio. Techniques described herein may include an apparatus comprising: a processing circuit; and an approximate computing engine, executed on the processing circuit, operative to process data items corresponding to prices of funds, compute a Net Asset Value (NAV) based on the data items, determine a precision associated with the Net Asset Value (NAV), and based upon a precision metric, determine whether to use the Net Asset Value (NAV) in a business decision. Other embodiments are described.

Abstract: Any number of distinct dependent dimensions, associated with different object types, can be created and applied to accounting transactions. The distinct dependent dimensions can be used in generating reports, for example to provide insight into particular categories of transactions. Dimensional data can be captured along with transactional data, and subsequently used for categorizing and reporting on transactions. The distinct dependent dimensions can be organized in a hierarchical manner, for improved flexibility and functionality in categorizing and reporting on transactions. In addition, the dependent dimension structure can be used when generating and presenting user interface components, so that they properly restrict dimension data picklist values and prevent inconsistent dimension value selections.

Abstract: A method includes receiving a request for enrollment from a user at a wallet service provider (WSP) computer, and enrolling the user in the WSP computer. A message is transmitted to the user to query the user about accepting payment card account system transactions. A response to the message, from the user, is received in the WSP computer. The WSP computer downloads, to a device operated by the user, a list of acquirer financial institutions. The WSP computer receives, from the device operated by the user, an indication that the user has selected one of the acquirer financial institutions from the list. An application program supplied by the selected acquirer financial institution is downloaded to the device operated by the user.

Abstract: An example system creates a video based on a user's financial profile for a specified time period and displays the video on a virtual reality device to help the user visualize the user's financial decisions resulting in the user's current financial status as well as visualize the user's predicted financial status in the future. The system analyzes the user's historical financial transactional data, profile information and relevant market and peer information to extract and predict one or more data points regarding the user's financial profile from the past, present and the future. The system generates a video about the user's financial profile by creating a storyline based on the one or more data points.

Abstract: Systems and methods for an account-linked piggy bank are described. The system includes a piggy bank comprising a compartment, a lid, a sensor, a lock, a network interface, and a processing circuit. The processing circuit is configured to associate the piggy bank with a first account of a user. The processing circuit is further configured to receive, decoded coin data from an encodable physical coin, wherein the decoded coin data includes a transaction request indicating a currency amount to be transferred to the first account from a second account. The processing circuit is configured to transmit the transaction request to a provider computing system. The processing circuit is further configured to receive a transaction request confirmation from the provider computing system and transmit a notification to a user device of the user indicating the currency amount has been deposited into the first account of the user.

Abstract: A computing device may include a provider application and data defining perceptible elements that provide users with various functionalities in more easily consumable stages. The application may determine that the user is at a first level of sophistication based on user activities and/or circumstances, and present a first set of perceptible elements in response thereto to provide a first set of functionalities. The application may then determine the user is at a second, higher level of sophistication based on subsequent activities and/or circumstances, and present a second set of perceptible elements to provide a second set of functionalities that includes at least one new functionality not provided via the first set of perceptible elements. Applications can be less resource intensive by evolving to strategically tailor available functionality to the circumstances and needs of particular users.

Abstract: Aspects of the disclosure relate to using machine learning to simulate an interactive voice response system. A computing platform may establish a virtual assistant session with a mobile banking application executing on a mobile device, which may include authenticating at least one authentication credential associated with an online banking account. The computing platform may receive an assistance message from the mobile device requesting assistance. Using a machine learning model, the computing platform may identify an intent of the assistance message. The computing platform may generate a response message based on the intent of the assistance message. The computing platform may send the response message and one or more commands directing the mobile device to output an audio response file based on the response message to the mobile device, which may cause the mobile device to convert the response message into the audio response file and output the audio response file.

Abstract: There is provided herein a computer implemented method for identifying if a subject is being deceptive, the method comprising: exposing a subject to a stimuli sequence and to a visual task; receiving from one or more sensors temporal data, indicative of the dynamics of at least one eye of a subject, wherein the received data comprises responsive and non-responsive data, the responsive data is responsive to the visual task; synchronizing the stimuli sequence with the received temporal data; analyzing the temporal data, which is indicative of the dynamics of the at least one eye of a subject; determining a probability of the subject being deceptive based on the analysis; and producing an output signal indicative of the probability of the subject being deceptive.

Abstract: A computing device may include a provider application and data defining perceptible elements that provide users with various functionalities in more easily consumable stages. The application may determine that the user is at a first level of sophistication based on user activities and/or circumstances, and present a first set of perceptible elements in response thereto to provide a first set of functionalities. The application may then determine the user is at a second, higher level of sophistication based on subsequent activities and/or circumstances, and present a second set of perceptible elements to provide a second set of functionalities that includes at least one new functionality not provided via the first set of perceptible elements. Applications can be less resource intensive by evolving to strategically tailor available functionality to the circumstances and needs of particular users.

Abstract: A waste management system comprises a waste bin storing waste, wherein the waste bin comprises a smart waste bin sensor device installed on the waste bin of a waste bin owner. The smart waste bin sensor device comprises a set of sensors that sends and receives signals through a wireless network to a cloud server. The set of sensors implements, operates, detects, measures, and monitors environmental conditions inside or outside the waste bin. A waste and litter sensor detects, measures, and monitors a waste type, a waste volume, a litter type, a litter level, a biohazardous waste type, and a biohazardous waste level. A pathogen biosensor detects, measures, and monitors a pathogen type and a biosafety level. The pathogen biosensor comprises a sterilizer to kill pathogens. A waste bin mobile application and a waste collection facility application functionality enable a user to monitor waste in the waste bin.

Abstract: Disclosed are systems and methods for data breach identification. The method may include: generating virtual card number (VCN) data sets; storing the VCN data sets on a first database; receiving one or more compromised VCN data sets stored on a second database and obtained from a scan of unindexed websites; comparing the compromised VCN data sets with the VCN data set stored on the first database to determine whether the VCN data sets have been compromised; for each compromised VCN data set, training the recurrent neural network (RNN) to associate the compromised VCN data sets with one or more sequential patterns found within the compromised VCN data sets to generate a trained RNN; receiving a first VCN data set from the first database; determining whether the first VCN data set matches a compromised VCN data set; and transmitting a message indicating the determination to a user or provider device.

Abstract: A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.

Abstract: A mobile payment method includes the steps of providing a mobile payment device having mobile payment capability and a mobile identity. Providing transaction information for a transaction and sending the transaction information to a server. The server prepares a URL link containing the transaction information and sends the URL link to the mobile payment device using the mobile identity. Clicking on the URL link sets up a HTTPS session and program script and validation token are downloaded to the mobile device. The payment can then proceed.