Abstract: In some examples, methods and systems may process one or more payment transactions between a merchant and a customer by obtaining at least one payment proxy having a syntax including a monetary currency indicator preceding an alphanumeric character. The payment proxy may be transmitted by a transmitter component of a payment beacon device. The method includes generating, through an application accessed through the customer device, a message by identifying the payment proxy in a message and a money transfer amount in the message; parsing the payment proxy to identify the merchant associated with the payment proxy in the message; identifying a merchant financial account associated with the identified merchant, based on a stored association between the merchant financial account and the identified merchant; and initiating, by the payment processing system, a transfer of funds indicative of the money transfer amount from a financial account of the customer to a financial account of the merchant.

Abstract: Typically, online transactions, such as online purchases of products or services require entering sensitive transaction information into a third-party web browser or application. This may expose sensitive transaction information to an increased risk of inadvertent disclosure. Apparatus and methods are provided for a smart card which enables users to securely complete online transactions without entering any sensitive transaction information into a third-party system. Vendor websites may be configured to generate a unique code identifying the vendor offering the product/service, the product/service and price of the product/service. The smart card includes a keypad for entering the unique code and completing payment for the desired product/service. The smart card will include a microprocessor and wireless interface. The wireless interface provides wireless communication capabilities and the ability to initiate online payments based on information captured by the keypad.

Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating a fraud score and/or action set (e.g., refer/decline/queue for review) based on the transactional behavior pattern and merchant risk. Account holder data may include, for example, an account type, an account balance, account credits and debits, and transaction data including merchant name, location, and transaction details.

Abstract: Example embodiments of systems, methods, and computer-accessible mediums for transaction authorization are provided. An exemplary system can comprise a card including an input device and a display device in data communication with a server. The server can generate an authorization passcode upon an initiation of a transaction session, and the card can receive an entered passcode through the input device, display the entered passcode on the display device, and transmit the entered passcode to the server for comparison to the authorization passcode. Upon a determination that the entered passcode is a match for the authorization passcode, the server can transmit a match notification indicating the transaction session is valid, and upon a determination that the entered passcode is a mismatch for the authorization passcode, the server can transmit a mismatch notification terminating the transaction session.

Abstract: Various methods, apparatuses, and media for processing a transaction are provided. A request to process the transaction is received. A plurality of pieces of transaction data is identified from the request. A contract provider that is configured to process the transaction is determined based on at least a first piece of the transaction data. A contract is loaded based on the contract provider. The contract includes at least one mono-service. The contract, including the at least one mono-service, is executed. Each of the at least one mono-service is a function literal that includes a defined input and output. The input includes at least one of the plurality of pieces of transaction data. The at least one mono-service is configured to return a result of the processing of the transaction.

Abstract: Systems and methods for presenting an offer to a customer are disclosed. In one embodiment, a method may include (1) a computer application executed by an electronic device comprising a computer processor receiving a selection of a financing offer from a customer; (2) the computer application receiving, from a back end server, an identification of at least one transaction conducted with a financial instrument that is eligible for the financing offer; (3) the computer application presenting the customer with the at least one eligible transaction; (4) the computer application receiving a selection of one of the at least one eligible transactions; (5) the computer application presenting the customer with at least one option associated with the financing offer; (6) the computer application receiving a selection of one of the options; and (7) the computer application communicating the selection of the transaction and the option to the back end server.

Abstract: Systems and methods are provided for secure offline transactions using a mobile device. The mobile device may include an encrypted data store in which encrypted payment processing data is stored, a risk assessment engine configured to retrieve the encrypted payment processing data and determine, based on the encrypted payment processing data, whether an offline payment is authorized, and a transaction pool configured to store the offline payment after the offline payment has been provided to a recipient. The mobile device may provide the offline payment that has been performed to a payment provider server for completion and/or funding when the mobile device obtains a network connection to the payment provider server following the offline payment.

Abstract: The invention contemplates a method of transfer, involving opening one or more trust accounts associated with a plurality of accounts with at least one financial institution, creating a plurality of money account cards with each of the plurality of money account cards associated with a live account associated with the entire amount in the trust account opened and maintained by company with at least one financial institutions, distributing the money account cards to retailers, retailing the money account cards to customers for distribution of the cards to cardholders, receiving money from the customers, applying the money to predetermined accounts of the plurality of accounts, receiving requests from cardholders to access the money in the predetermined accounts, and dispersing funds from the predetermined accounts in response to the requests from cardholders.

Abstract: One or more devices in a driving data analysis system may be configured to receive and execute a driving data analysis software application. One or more servers may provide a driving data analysis software application to various driving data analysis devices, such as mobile user devices and/or on-board vehicle systems. The driving data analysis devices may be configured to execute the driving data analysis software application, to receive/collect various driving data, analyze the driving data, and determine eligibility for one or more insurance offers based on the analysis of the driving data. For insurance offers based on driving data, insurance offer vouchers may be generated by the driving data analysis device and transmitted to an insurance provider server to redeem the insurance offer.

Abstract: Examples of the disclosure enable a financial transaction to be automatically confirmed based on a similarity of factors between financial transactions. A previous case action may be used for a decision of confirming a financial transaction. A first request for authorization of a first financial transaction is received from a financial transaction processing computing device. One or more parameters associated with a cardholder account are identified, and it is determined, at a transaction score device, whether to approve the first request for authorization based on the one or more identified parameters. On condition that the first request for authorization is approved, the one or more parameters are updated based on one or more first factors associated with the first financial transaction such that a second request for authorization of a second financial transaction is analyzable based on the one or more updated parameters.

Abstract: A payment system reduces transaction costs for online merchants. The payment system receives a transaction amount for the purchase of goods or services by a consumer from an online merchant. The payment system receives bank identification numbers for a plurality of accounts of the consumer that could be used by the consumer to pay for the good or services. The payment system determines transaction costs associated with processing a payment transaction with an acquirer processor using each of the consumer accounts. The payment system determines a recommended consumer account to use for the purchase of the good or services based at least in part on the transaction costs. Tender steering information is generated and sent to the consumer. Tender steering information includes the recommended consumer account information and one or more incentives to incentivize the consumer to use the recommended consumer account for the payment of the goods or services.

Abstract: As the world progresses towards a cashless payment society, there has been a rise in the various forms of emerging payment technologies. Such technologies may include digital wallet payment systems. There is a need for a bridging protocol and conversion engine that would connect gaps between these various emerging payment technologies and their respective proprietary ecosystems. There is also a need for a digital holding account that provides a protective layer to fund transfers between cashless ecosystems. The digital holding account may hold and monitor currency processed by the conversion engine. Such currency would not be transferred directly into checking account. The digital holding account may be subject to rigorous validations to scrutinize the source and destination of transferred currency. Validation may include checking distributed ledger transaction records of prior transfers of the received currency.

Abstract: According to one aspect there is provided a method comprising a secondary payment device: receiving a device primary account number (DPAN) and a funding source proxy (FSP) derived from a funding primary account number (FPAN) of a funding source according to a predetermined algorithm; and transmitting a secondary payment device transaction request comprising said DPAN and said FSP to a payment terminal. According to another aspect there is provided a method comprising a payment terminal: receiving a secondary payment device transaction request comprising a device primary account number (DPAN) and a funding source proxy (FSP) derived from a funding primary account number (FPAN) of a funding source according to a predetermined algorithm; responsive thereto, determining that the FSP is not present on a deny list stored at the payment terminal; and responsive thereto, authorizing said secondary payment device transaction request.

Abstract: A system and method are provided for automatically estimating a repair cost for a vehicle. A method includes: receiving, at a server computing device over an electronic network, one or more images of a damaged vehicle from a client computing device; performing image processing operations on each of the one or more images to detect external damage to a first set of parts of the vehicle; inferring internal damage to a second set of parts of the vehicle based on the detected external damage; and, calculating an estimated repair cost for the vehicle based on the detected external damage and inferred internal damage based on accessing a parts database that includes repair and labor costs for each part in the first and second sets of parts.

Abstract: Illustrated herein are systems and methods of transferring physical currency into electronic credit that becomes electronically available. One method includes remotely and quickly depositing non-negotiable instruments, such as cash, by communicating information, such as an image of the currency, about the instrument to a depositor. An exemplary system includes computing devices and a capture module with a retrieval engine, a transmission engine, an inspection engine, and a conferral engine. The capture module receives information about a non-negotiable instrument, and an inspection engine analyzes the information to confirm if the unit of currency is authentic.

Abstract: Systems and methods for sharing financial accounts via a mobile wallet system are described. The mobile wallet system allows for a master wallet associated with a primary account holder to provide limited access to an account of the primary account holder to secondary users. The primary account holder can limit a secondary user's level of access to the funds in the account by establishing spending rules and limits for each secondary user. The rules and limits restrict the secondary users' abilities to spend funds in the account. The rule and limit types include spending limits, types of goods and services restrictions, store specific restrictions, purpose of purchase rules, purchase timing rules, geographic restrictions, group purchase rules.

Abstract: A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.

Abstract: According to some embodiments, a hail history storage device may store information periodically received from a remote third-party weather reporting service. A hail history score request associated with a geographic location and a date range may be received from a remote requester device. Responsive to the received hail history score request, a computer processor of a hail history server may automatically access information in the hail history storage device based on the geographic location and date range. Moreover, the computer processor may automatically evaluate accessed information to calculate a hail history score value. The computer processor may then transmit, to the remote requester device, historical hail evaluation data including the calculated hail history score value.

Abstract: The present disclosure involves systems, software, and computer implemented methods for transaction auditing. One example method includes receiving receipt data associated with an entity. Policy questions associated with the entity are associated with at least one policy question answer that corresponds to a conformance or a violation of a policy selected by the entity. For each policy question, a machine learning policy model is identified for the policy question that includes, for each policy question answer, receipt data features that correspond to the policy question answer. The machine learning policy model is used to automatically determine a selected policy question answer to the policy question by comparing features of extracted tokens to respective receipt data features of the policy question answers that are included in the machine learning policy model. In response to determining that the selected policy question answer corresponds to a policy violation, an audit alert is generated.

Abstract: Stolen identity refund fraud is one of a number of types of Internet-centric crime (i.e., cybercrime) that includes the unauthorized use of a person's or business' identity information to file a tax return in order to illegally obtain a tax refund from, for example, a state or federal revenue service. Because fraudsters use legitimate identity information to create user accounts in tax return preparation systems, it can be difficult to detect stolen identity refund fraud activity. Methods and systems of the present disclosure identify and address potential fraud activity. The methods and systems analyze data entry characteristics of tax return content that is provided to a tax return preparation system to identify potential fraud activity and perform one or more risk reduction actions in response to identifying the potential fraud activity.