Abstract: Various aspects of the subject technology relate to systems, methods, and machine-readable media for improving the privacy of transfers in a distributed ledger. Various aspects may include encrypting a transaction using a first public key corresponding to a first user and a second public key corresponding to a second user. Aspects may also include transmitting the encrypted transaction to a blockchain, the encrypted transaction including at least an encrypted amount, a zero-knowledge proof, and an encrypted balance of the first user. Aspects may also include verifying a correctness of the zero-knowledge proof. Aspects may also include, based on the correctness, executing the transaction through a smart contract of the blockchain and homomorphically updating encrypted balances of the first user and the second user in accordance with the encrypted amount.

Abstract: Provided are a system, method, and computer program product for an account-to-account transaction network. The method includes receiving, via a first application programming interface (API), a transaction request for a transaction including a transaction amount, an issuer identifier, and a merchant identifier. The method includes determining an issuer uniform resource locator (URL) based on the issuer identifier, generating an intent identifier associated with the transaction request, and transmitting the issuer URL and the intent identifier via the first API. The method includes transmitting the intent identifier, the transaction amount, and the merchant identifier to an issuer system associated with the issuer identifier via a second API.

Abstract: A device for conducting a transaction by generating and displaying QR codes in the infrared spectrum, by generating a first QR code; displaying the first QR code via the infrared array for a predetermined duration of time; receiving a confirmation that a user device has entered paired state with the transaction device based on the user device scanning the first QR code; receiving authentication data indicating that the paired user device is authorized to complete the transaction; completing the transaction.

Abstract: A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.

Abstract: Systems and methods are disclosed for providing a graphic user interface. The systems and methods may (1) receive an indication of a parametric event involving a vehicle; (2) provide a series of component graphic user interfaces, wherein the component graphic user interfaces may be configured to (i) initiate a claim filing, (ii) communicate with an insurer entity, (iii) communicate with an emergency response entity, (iv) communicate with a towing service entity, (v) communicate with a taxi or ride-share service entity, (vi) communicating with a vehicle repair service entity, (vii) communicating with a vehicle salvage entity, and/or (viii) communicating with a vehicle rental service entity; (3) detect one or more user interactions that may include one or more selections of the one or more actions; (4) perform the one or more actions; and/or (5) record a transaction indicating that the one or more actions has been performed to the blockchain.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: An ATM includes a long range WAN module that provides the ATM with a low power WAN (LPWAN) capability for increased resiliency. The ATM and bank application servers generally communicate over an ATM communications network to allow customers to perform banking transactions. When this connection is not functioning, the ATM may continue to be used to perform banking transactions, without interruption, by communicating over a LoRaWAN network with another nearby LPWAN-enabled ATM that is in communication with the bank application servers. The LoRaWAN network may also be used to automatically obtain software to fix an error at the ATM when the software is obtainable via a nearby LPWAN-enabled ATM. The LoRaWAN module may be further used to record a state of operations at the ATM and to use the record to resume the transaction where the transaction was interrupted while in progress due to an ATM outage.

Abstract: A system for facilitating transfer of a resource to a sender-selected recipient according to a sender-selected mode of resource transfer is disclosed. A group of selectable additional recipients of the resource may also be presented to the sender and one or more of the selectable additional recipients may be selected by the sender to receive the resource along with an initially specified recipient. The group of selectable additional recipients of the resource to be presented to the sender, and different modes of resource transfer from which the sender can select, may be determined in various ways, including by an output of discrete trained machine-learning models. Once a selection of a recipient(s) and a mode of resource transfer is received, a resource transfer command message can be generated and sent to a resource transfer computing system to initiate a transfer of the resource to the recipient(s).

Abstract: Disclosed herein are methods and systems for using machine learning to improve the likelihood of success of recurring transactions. In one example, a suite of different machine learning models can be used together, such that a first machine learning model predicts a likelihood of success for a recurring transaction associated with a user account and the second machine learning model predicts whether a pre-authorization would help with the predicted likelihood of success. As a result, a server may pre-authorize the recurring transactions at a time earlier than the scheduled transaction time and place a hold on the user account using an amount predicted by the second machine learning model where the hold amount can be adjusted in accordance with the user account's activities. Data associated with the recurring transaction itself can be ingested by the second machine learning model for re-calibration purposes.

Abstract: A computing system receives rules and transaction data from a database. The system creates a potential rule list and stores the rules in the list on the database. The system creates an ordered rule list, a rule-to-transaction lookup table, and a transaction-to-rule lookup table. The system applies each rule to each transaction and identifies each transaction for which each rule is true. The system adds each rule and the identified transactions to the lookup tables and generates a priority-ordered list of the rules iteratively until all rules have been removed from the potential rule list. In each iteration, the system calculates an accuracy of each rule based on all transactions for which the rule is true, appends the highest accuracy rules to the ordered rule list, removes the rules from the potential rule list, and removes the transactions from all entries in the rule-to-transaction lookup table.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode: presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: A method of processing a customer transaction may include receiving an indication of a transaction between a customer and a vendor, checking an account status of a primary account of the customer at a customer bank, and determining, within a predetermined time of the indication, whether to accept or decline the transaction based on the account status. The method may further include, if the transaction is accepted, authorizing a transfer of funds to the vendor and communicating with the customer to determine whether to settle the transaction or handle the transaction as an installment loan to the customer.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.

Abstract: The present invention generally relates to systems, methods and program products for use with Exchange-Traded Funds (“ETF”) holding one or more secured notes backed by one or more precious metals.

Abstract: A system including a processing circuit configured to collect at least first contact information of a beneficiary, identify a risk associated with the beneficiary, automatically calculate a risk score for an electronic transaction based on the risk, determine that the risk score exceeds a first threshold value and displaying a notification on the user device associated with the electronic transaction, receive data from the user device, wherein the data includes at least second contact information corresponding to the beneficiary, compare the first contact information and the second contact information with additional data, wherein comparing includes analyzing the call records or the emails and determining that a user conducted at least one mitigation activity of the displayed mitigation activities, recalculate the risk score based on the at least one mitigation activity, and display the recalculated risk score on the user device.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.