Abstract: A wearable RFID device is provided for use in an event-based interrogation zone. The zone contains terminals with RFID readers. The device has an element worn by a user and an attached or embedded RFID tag. The tag has stored data representing a UniqueID of the tag, and a stored funds balance. The tag is programmed to activate an otherwise inactive one of said terminals upon presentation of the tag to the RFID reader of said terminal in a first tap, and communicate its UniqueID to the terminal for validation. Upon validation and following a second tap of the tag at the RFID reader, the tag's stored funds balance can be changed by the amount of a transaction run through said terminal. A temporary installation of a system of RFID-based terminals and user-worn RFID devices is also provided for use within an event interrogation zone.

Abstract: Systems as described herein may visualization interest charges based on payment options. Transaction information associated with a plurality of recurring payment accounts may be received. A calendar view displaying an aggregated daily balance and an aggregated interest charge may be generated. Upon receiving a transaction request with a transaction amount, a projected aggregated daily interest charge may be generated in real-time. After detecting that the projected aggregated daily interest charge exceeds a threshold amount, an alert associated with the calendar view may be generated to recommend an alternative payment method to a user device.

Abstract: An appointment and payment handling system may operate to handle payments for appointments based on user locations at times associated with appointments. The appointment and payment handling system may determine if a location of a customer device associated with a customer associated with an appointment matches a location associated with the appointment. If the locations match, the appointment and payment handling system may create a payment record for a payment to the merchant from the customer based on the determination that the customer location matches the location associated with the appointment.

Abstract: Embodiments of methods and systems for dynamic insurance of clients with access to a shared asset pool through a subscription vehicle service are disclosed. An exemplary embodiment of a method for dynamic insurance leverages a subscription vehicle service platform to collect data elements associated with each driver-to-vehicle combination in the subscription vehicle service. Using the collected data elements, embodiments package the data elements according to predefined preferences of one or more insurance providers. When a present driver-to-vehicle combination associated with a given client changes, the packaged data elements are provided to the insurance providers in order to solicit quotations, or approval, or continuation of current policy for the new driver-to-vehicle combination. In this way, constantly updated data elements derived from the client's use of the service provide accurate information for optimized insurance coverage based on the client's active driver-to-vehicle combination.

Abstract: Methods, systems and computer-readable storage media disclosed herein provide visual depictions of warnings and errors. An example method includes detecting, using a computing device, a change in a design of a trading algorithm. The trading algorithm is defined by a user-specified arrangement of blocks representing trading functionality. The example method includes determining, using the computing device, whether the trading algorithm complies with a trading algorithm rule. The example method includes facilitating, using the computing device, at least one of warning handling or error handling when the trading algorithm does not comply with the trading algorithm rule. Facilitating warning handling or error handling includes displaying a warning or an error to the user in connection with the trading algorithm before the trading algorithm is available for execution.

Abstract: A mobile communication device accepts payments and is capable of integration of retail business applications without additional hardware. It allows merchants to accept card present payments directly without any need for additional external hardware, such as Point of Sale (POS) terminals. The merchant can accept card present payments from a contactless credit/debit card, from a mobile smart phone or another mobile telecommunication device supporting payment card digitization, or from a mobile smart phone or another mobile telecommunication device that carries or can access and transmit relevant payment information.

Abstract: A system for allowing improved communication between parties. The system includes a consumer data module that is configured to receive data describing a consumer. The consumer data includes data input by the consumer and/or data obtained from third party sources. A financial services professional data module receives data describing a financial services professional. The financial services professional data includes data input by the financial services professional and/or data obtained from third party sources. Databases are configured to store the consumer data and the financial services professional data. A communication module is configured to receive a request from a consumer to engage a financial services professional. A consumer finances module is configured to access financial information of the consumer upon obtaining authorization by the consumer.

Abstract: The present disclosure generally relates to techniques for managing contextual transactions. In some examples, at a sender electronic device, a first user provides authorization to purchase an item for a second user. In some examples, at a recipient device, the second user selects one or more attributes for the item and requests to claim the item. In some examples, an electronic device displays a representation of an item and a purchase affordance for purchasing the item using a payment system that is available on the electronic device.

Abstract: In some examples, a computing device may process a plurality of transactions initiating on at least one of mobile applications or web applications. The computing device may determine eligibility of a first merchant to receive an offer for financing based on one or more attributes of transactions, of the plurality of transactions, that are associated with the first merchant or one or more similar merchants. In addition, the computing device may generate the offer for financing for a particular amount based on the eligibility of the merchant. Further, the computing device may cause presentation of the offer for financing on a first merchant computing device associated with the first merchant. For example, the offer may specify terms for the financing and terms of repayment, the terms of repayment including using a portion of funds from at least one additional transaction for repayment.

Abstract: The disclosure comprises systems, methods and computer program products for identity authentication in connection with payment account information submitted for the purpose of network based electronic payment transaction(s). The disclosure comprises (i) receiving from a merchant server, (a) a name associated with a purchaser, and (b) a payment card number, (ii) retrieving a data record comprising a payment card holder name associated with the received payment card number, (iii) comparing the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, and (d) responsive to a match between the payment card holder name extracted from the retrieved data record with the name associated with the purchaser that has been received at the merchant server, generating a positive identity authentication decision and transmit said identity authentication decision to the merchant server.

Abstract: A system may include a telematics device associated with a vehicle, a first computing device, a second computing device associated with a driver of the vehicle, a database, and a driving behaviors analysis server. The driving behaviors analysis server may receive, from the telematics device, driving data of the driver of the vehicle and identify one or more driving behaviors of the driver based on the driving data. The driving behaviors analysis server may assign a driver safety rating to the driver based on the identification and may determine one or more rated vehicles with safety ratings that correspond to or are similar to the driver safety rating assigned to the driver based on parsing data regarding a plurality of rated vehicles in the database. Further, the driving behaviors analysis server may generate and send a customized recommendation to the driver presenting information regarding the one or more rated vehicles.

Abstract: A system may include sensors associated with structures, such that the sensors acquire data sets associated with the structures. The processor receives the data sets from the sensors, determines environmental conditions associated with the structures over a period of time, and determines a structural condition associated with one of the structures based on the data sets. The processor also determines a maintenance condition associated with the one of the structures based on one of the data sets, determines operating parameters associated with appliances within the structure based on the one of the data sets, and determines habits of occupants associated with the one of the structures based on the one of the data sets. The processor then adjusts properties of an insurance policy associated with the one of the structures based on the environmental conditions, the structural condition, the maintenance condition, the operating parameters, the habits, or any combination thereof.

Abstract: Intelligent application of reserves to transactions are described. In an example, server(s) associated with a payment processing service receive, from a point-of-sale (POS) device operated by a merchant, transaction data associated with a payment transaction between the merchant and a customer. Based on a predictive model, the server(s) can determine a level of risk associated with the merchant and/or the payment transaction and can determine a portion of the transaction to withhold from a settlement amount of the payment transaction based at least in part on the level of risk. The portion can be deposited into a reserves account associated with the payment processing service to satisfy costs associated with chargeback requests.

Abstract: A collection management system includes a collection server, a telephone dialing system, and a restriction features server. The collection server includes a memory having records, a debtor database and a local restrictions database. The telephone dialing system is connected to the collection server and is configured to access a telephony network and automatically dial a plurality of telephone numbers. Access to the telephony network by the telephone dialing system is restricted based on the information in the local restrictions database. The records of the collection server retain instances of restricted access to the telephony network by the telephone dialing system. The restriction features server is configured to connect to the collection server and update the restrictions database.

Abstract: A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval.

Abstract: A vehicle with a monitoring device may be used for the adjustment of an insurance policy property by auctioning information obtained about the policy holder and the vehicle. The vehicle monitoring device transmits the information to a marketing provider server that will transform and categorize the information to generate advertisements by third-party businesses directed to the user vehicle. A fee is charged to the third-party business responsible for the advertisement to offset and reduce the insurance premium charged to that policy holder.

Abstract: An insurance payment reward system using sensors integrated into a vehicle operated by an insurance policy holder may be used to reduce the insurance policy payment of the insurance policy holder when the insurance policy holder purchases goods or services from a third-party business participating in the reward program. The onboard vehicle sensors transmit information to a data center that translates the vehicle characteristics into available reward opportunities at participating local businesses. In exchange for the insurance policy holder's purchase of goods or services from a participating business, the business deposits a reward amount into an account that provides credits to the insurance policy holder's insurance payment or other rewards or incentives.

Abstract: Techniques to improve fraud detection for financial institutions maintaining a network of financial terminals. These techniques are applicable towards identifying instances of multiple account usage with at least one of the financial terminals. Example financial terminals known as Automated Teller Machines (ATMs) capture image data whenever a visitor initiates a financial service (and/or receives something of value) and leverage the techniques described herein to determine whether the visitor is engaged in multiple account usage. Such multiple account usage may occur when the visitor withdraws cash against two different accounts. These techniques are further applicable towards securing the two different accounts from misappropriation.

Abstract: A client comprising an application for secure payment transactions is provided. The application runs on a personal mobile communication device and the client accesses a service provided by a server, which includes a payment gateway. Various security measures are included in the client-server communication related to executing payment transactions in a secure environment.

Abstract: A system and method identifies a score for a user using the user's response to questions from a number of different financial and other-than-financial planning dimensions.