Abstract: A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.

Abstract: Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and payment card data for the payment transaction from a point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller the business management engine. Other embodiments are described and claimed.

Abstract: Systems, methods, and computer-readable storage media configured according to this disclosure provide money services on a money services device such as a kiosk device, tablet device, mobile device, virtual reality device, mixed reality device and the like. An application runs on the money services device and communicates with remote services to perform profile management functions such as facilitating account log-in and allowing users to log-in using mobile messaging. Other services such as verifying the user's ID via an account management service may also be provided.

Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.

Abstract: The disclosed embodiments relate to creation and dissemination of unique identifiers, i.e. tokens, for use in communication of messages from a transaction processing system, to participants therein whereby messages, or at least a portion of the content thereof, indicative of a response to a request, to transact or modify a prior transaction, are consolidated, or otherwise combined, with the corresponding directed reporting messages communicated to the particular participants participating in the reported transaction while preserving the anonymity of those participants to which messages are particularly directed. The identifiers are structured so as to facilitate rapid validation and dissemination while eliminating the ability to associate any given identifier, or set thereof, with a participant.

Abstract: Provided, in an aspect, is a system for managing transactions from a financial services computer network. The system has a scalable architecture, and includes a database, one or more processors, a plurality of experience matchers, and a transaction hub. Each experience matcher is associated with a different experience set type, and can receive a transaction list and return an identified experience set. The transaction hub can communicate with multiple experience matchers, and can receive experience sets from the matchers after sending them a list of transactions.

Abstract: Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process.

Abstract: Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and payment card data for the payment transaction from a point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller to the business management engine. Other embodiments are described and claimed.

Abstract: Method and system for evaluating, rewarding and facilitating philanthropic works are described. Ethical accounts and points are introduced and computer-implemented fair evaluations of, and hence interchangeable rewards for, various philanthropic works that reflect different time values are provided. Automatic calculation and distribution of rewarding points from a beneficiary to not only its benefactor but also the benefactor' precious benefactors are implemented to encourage sustainable philanthropy over time. Rewarding amounts and paths are tracked explicitly for impact measurement of philanthropic works, which may be used to facilitate more effective allocation of philanthropic resources. Volunteer requesting, applying and rewarding at the level of minimum durations are enabled, and automated coordination and documentation are offered to further facilitate philanthropic endeavors.

Abstract: A system for offline transaction processing has a payment terminal capturing payment credentials and a payment amount as a transaction data set. A first blockchain server has a first copy of a transaction ledger to which the transaction data set is committed as a ledger entry in response to a validation against one or more rules stored in an offline database. A second blockchain server has a second copy of the transaction ledger, and is in sporadic communication with the first blockchain server over a temporary data transfer link. The transaction data set previously committed to the first copy of the transaction ledger is propagated to the second copy of the transaction ledger over the temporary data transfer link. A payment gateway retrieves the transaction data set in the second copy of the transaction ledger and translates the same to a settlement request transmitted to the remote payment processor.

Abstract: Described are a system, method, and computer program product for updating and processing payment device transaction tokens. The method includes receiving an update request to update stored transaction information, the update request identifying at least one old payment device and at least one new payment device. The method also includes generating at least one new token associated with the at least one new payment device, and linking the at least one new token to at least one old token. The method further includes receiving a transaction request including the at least one old token, and communicating the at least one new token that is linked to the at least one old token to an issuer for processing of the transaction request.

Abstract: A system and computer-implemented method for approving a dynamic mortgage application using a blockchain. In one aspect, the method may include determining a customer is approved for a mortgage (“mortgage ready”) and determining a real estate property is mortgage ready. The method may include comparing a calculated amount in which the customer is approved for a mortgage loan with a calculated appraisal value of the real estate property, and approving the mortgage application of the customer when the calculated amount the customer is approved for the mortgage loan is equal to, or exceeds, the calculated appraisal value of the real estate property, reducing a processing time and closing time of the mortgage.

Abstract: Disclosed herein are system, method, and device embodiments for time-based trust token (TBTT) depreciation. In an example embodiment, a service provider system (e.g., a service provider and API service) may receive a connection request including a demographic attribute associated with a first client account from a partner device, match the demographic attribute to client information associated with the first client account, send the partner device a connection request identifier and a URL including a depreciating token, and authenticate a second client account via a login page associated with the URL.

Abstract: A message is generated, with the message including a URL (uniform resource locator). The URL points to a web location. The web location is for facilitating a payment to a payment recipient. The message is transmitted to a mobile device owned by the payment recipient.

Abstract: The embodiments recite systems and methods that improve the traditional underwriting process within a financial institution. These embodiments produce an underwriting model that emulates the resolution patterns of top performing underwriters. The underwriting model once is built and tested is incorporated into decision tools that provide underwriters with insightful advices when underwriting a client. The embodiments use statistical learning techniques such as support vector machine and logistic regression. These techniques can assume a linear or nonlinear relationship between factors and risk classes. Furthermore, the underwriting model also uses artificial intelligence tools such as expert systems and fuzzy logic. A company's underwriting standards and best underwriting practices may be updated periodically so that underwriting model based on decision heuristic keep improving the quality of its output over time.

Abstract: A secure electronic peer-to-peer bond-trading network for executing trades at mid-market prices and a process for performing the trades in a secure cryptographic manner, where users can submit pricing or show trade orders in a manner such that confidence in the protection of confidential information is enhanced.

Abstract: A method for trusted notifications comprises: receiving, at a first host having at least one trusted server, a request message from a sender computing device, the request message comprising a request identifier and instructions to: update, at a second host, a recipient account associated with a recipient computing device, and to make a corresponding update at the first host to a sender account associated with the sender computing device. The method further comprises authorizing, at the first host, the request message; updating the sender account; generating a secure message at the at least one trusted server, the secure message comprising the request identifier and an indication from the at least one trusted server that the update completed; and sending the secure message from the first host to the sender computing device. The secure message can be received at the sender computer device and conveyed to the recipient computing device.

Abstract: Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller. The transaction management controller receives a transaction amount for a payment transaction from a business management engine and a payment transaction type from a point of interaction device. The transaction management controller initializes a transaction processing module that corresponds to the received payment transaction type. The transaction processing module defines payment processing parameters for processing payment transactions of the payment transaction type. One or more of the payment processing parameters are modified based on configuration data received from a remote configuration device. The transaction management controller processes the payment transaction as a function of the payment processing parameters. Other embodiments are described and claimed.

Abstract: Systems and methods are disclosed for performing payment transactions using indicia-based associations between two or more user interfaces. One method includes: receiving transaction information related to a user's selection of goods or services from a merchant; generating an indicia encoding the transaction information related to the selected goods or services, the merchant, and the transaction amount; transmitting the indicia to be displayed, and to enable a user interface of a first user device to scan the indicia and extract the transaction information; receiving from the first user device, an authorization to process the payment transaction using a mobile payment source; and if sufficient resources exist in the mobile payment source: generating and transmitting a low value token to the merchant indicating the authorization of the payment transaction, wherein the low value token conceals the information related to the mobile payment source; and processing the transaction using the mobile payment source.

Abstract: An instruction to generate target information is received by a server and from a first user. The instruction includes two or more pieces of user identity information associated with two or more different users. The two or more pieces of user identity information are combined, by the server and in a predetermined method, into continuous text information. The two or more pieces of user identity information in the continuous text information are separated by one or more separation strings. The target information is generated, by the server, based on at least a predetermined algorithm and the continuous text information.