Abstract: Systems, methods, and apparatuses described herein relate to a method for providing authentication with respect to a cash delivery request made by a customer using a customer user device of the customer. The method includes receiving at least one of security information or a first cash authentication code (CAC) from a cash dispenser machine. The cash dispenser machine obtains the security information or the first CAC from a first user device of a driver or the driver. The method includes authenticating the driver based on at least one of the security information or the first CAC. The method includes generating a second CAC. The method includes transmitting the second CAC to the first user device of the driver. The method includes authenticating the driver and the customer based on at least one of the security information or the second CAC.

Abstract: A method for determining vehicle insurance costs includes receiving a starting location and a destination location for a trip using a vehicle. One or more routes for the vehicle from the starting location to the destination location are received. A cost of insurance is determined for each of the one or more routes for the trip. The cost of insurance for each of the one or more routes for the trip is displayed. A selected route from the one or more routes is received. Operation of the vehicle for the trip is enabled along the selected route.

Abstract: A first communication channel is established between a contactless blank IC (integrated circuit) payment card and a mobile device. The mobile device is in proximity to the contactless blank IC payment card. A second communication channel is established, via the mobile device, between a remote personalization server computer and the contactless blank IC payment card. Payment card personalization data is received and stored in the contactless blank IC payment card. The data had been downloaded from the remote personalization server computer to the contactless blank IC payment card via the second communication channel.

Abstract: A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device.

Abstract: A property sharing insurance management (“PSIM”) computing device for analyzing data from a property sharing platform to adjust insurance premiums for an offerer of a property may be provided. The PSIM computing device may include at least one processor programmed to (i) receive, from a data source, a plurality of property data, (ii) store the property data in a plurality of data records in a database, wherein each data record is associated with one property and stores the plurality of property data for that property, (iii) analyze the property data for the property, (iv) determine a percentage of time that the property is used for commercial purposes in an insurance billing cycle, and (v) process one or more adjusted insurance premiums for the offerer based upon the determined percentage of time that the property is used for commercial purposes in the insurance billing cycle.

Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can detect fraudulent transactions before the transactions have been posted to the financial account. The system can also be used to provide real time notifications to customers about potential fraudulent activity.

Abstract: A non-transitory computer-readable recording medium recorded with an information processing program executable by a processor of an information processing apparatus, the information processing program causing the processor to perform operations including configuring an operation area on a display unit of the information processing apparatus, the operation area being associated with a payment target candidate user, determining a payment amount, based on an extent of an action in a user operation performed in the operation area, and transmitting information about a payment of the payment amount with respect to the payment target candidate user.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

Abstract: In one embodiment, a method includes identifying, by a payment service, a plurality of security assets for inclusion in a pack of security assets. A value of the pack of security assets may be determined based on weighted values of a base unit of each of the security assets. Information may be sent to a first user's client device to display a user interface to purchase the pack of security assets. In response to receiving a purchase request in a specified amount, the payment service may calculate, for each of the security assets in the pack, the base units of the security asset based on the respective assigned weight and the value of a base unit of the security asset. Finally, for each of the security assets in the pack, ownership of the calculated number of base units of the security asset may be assigned to the first user.

Abstract: The disclosed embodiments relate to automated enablement of deferred physical delivery of an asset, for which physical delivery is called for in a bilateral contract, by automatically settling the bilateral contract among the parties thereto with positions in specifically tailored futures contracts with a defined later delivery date and, based thereon, extinguishing the bilateral contract requirement for physical delivery. This electronic substitution of equivalent futures positions for both parties in place of the physical delivery requirement, the delivery and payment obligations are bifurcated enabling either party to continue, unpenalized, with their respective obligation irrespective of the other party's actions, enabling the resultant positions available for offsetting/netting, so as to readily exit a position or utilize it to reduce monetary requirements, e.g.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of vehicle based transactions. The innovation associates a tag with a financial account and a vehicle. The financial account is associated with a customer that is associated with the vehicle. The tag is readable to perform associated financial functions. The tag is scanned with a reader. The reader is associated with the entity authorized to make charges to the financial account. Security controls are applied for the tag. The security controls dictate a charge type or authorized creditor for executing transactions. A financial transaction is executed between an entity and the customer using the tag associated with the financial account.

Abstract: Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.

Abstract: Systems for dynamic authentication and event processing are provided. In some examples, a system may receive a request to process an event. In response to receiving the request to process the event, the system may transfer an amount of funds associated with the event from a first account of a first user who is a party to the event to a second account. The system may generate a profile for each user who is a party to the event. In some examples, the information in a profile may be anonymized. Users who are parties to the event may use the profiles to authenticate and authorize or cancel the event. In some examples, a notification may be transmitted to the system that the event is authorized for processing. The amount of funds may be transferred from the second account to a third account associated with a second user who is a party to the event. If the event is cancelled, the funds may be transferred from the second, temporary account to the first account.

Abstract: Systems and methods for entity prioritization and analysis are disclosed. For example, entity data may be received and utilized by one or more predictive models to generate entity ratings associated with a likelihood that the entities will be involved in defending an intellectual-property claim and a severity of loss associated with defending such a claim. A ranking of entities may also be generated indicating which entities are most likely to acquire an insurance policy insuring against an intellectual-property claim.

Abstract: The invention relates to a method for processing a recurring transaction for access to a good or to a service by a transactional processing device (DTT), the method comprising an initial step for obtaining a piece of data representing a processing instruction (iTrR) for processing a recurring transaction (TrR), the method being characterized in that it comprises: a step (100) for transmitting a message (Msg) of interrogation of a given type, said message (Msg) comprising at least one piece of identification data (Id) for identifying said recurring transaction, to a terminal (TermU) of a user having previously taken out a subscription for said good or said service; a step (110) for inserting said recurring transaction into a deferred processing database (BT-TD); transactional processing (120), depending on the occurrence of at least one of the following events: reception (130) of a message (Msg2) from said terminal (TermU) of said user; expiry of the deadline for carrying out said recurring transaction (14

Abstract: Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a computing system may provide a graphical user interface at a display of a user computing device. The graphical user interface may include a positive financial profile indicator at a first position on the display; a negative financial profile indicator at a second position on the display opposite the positive financial profile indicator; and a user financial profile indicator describing a user, the user financial profile indicator positioned between the positive financial profile indicator and the negative financial profile indicator. The computing system may receive user transaction data describing a financial transaction of the user. The computing system may determine that the financial transaction worsens a financial profile of the user. The computing system may also modify the user interface to orient the user financial profile indicator towards the negative financial profile indicator.

Abstract: Systems and methods relating to currency exchange and currency transfer are provided. A computer-implemented method includes receiving, by a provider computing system associated with an accounts provider, a customer request via a mobile wallet application on a mobile device associated with a customer. The customer request includes a currency transfer request from a mobile wallet held by the customer to a recipient. The method further includes identifying the recipient from the customer request and a partner accounts provider associated with the recipient, communicating with the partner accounts provider regarding the currency transfer, transferring an amount for the currency transfer from the mobile wallet to the partner accounts provider via an omnibus account held by the accounts provider on a distributed ledger, and transmitting a confirmation of the currency transfer to the customer.

Abstract: A programmed computer-implemented method allows enterprises to pay transactions using a virtual credit card at the time of an approved purchase order. The approach maintains corporate controls relating to requisitions and purchase orders, eliminates the need for electronic invoicing, and automates the accounting and reconciliation of virtual credit card charges. For example, a particular line item in a card statement, representing a particular charge event, is automatically reconciled to the correct purchase order. For another example, each charge represented in a card statement can be associated with the supplier that is identified in a corresponding PO. Therefore, a computer graphical user interface (GUI) can show vendor identification at any time, whereas most buyers are not able to see the true vendor in spend data on a credit card charge, as the vendor is typically just represented as the issuing bank.

Abstract: Systems, apparatuses, and methods are provided herein for automated customer recurring payment processing. A central computer system being configured to detect a payment date for a recurring payment associated with a customer account, retrieve customer payment information, and submit the customer payment information to a bank system. In the event the authorization fails and an error code corresponds to a payment information error, the system automatically generates a notification message to the customer at the messaging server, submits the updated customer payment information to the bank system, and updates an account status of the customer account when a payment authorization is received from the bank system.

Abstract: A virtual assistant computing system may include a user device and a virtual assistant computing system. The virtual assistant computing system may include a first processor and a first non-transitory memory configured to receive, via a network from the user device, an input corresponding to a future electronic transaction expected to be initiated by a user and analyze information corresponding to the future electronic transaction to predict based on and a plurality of scheduled electronic transactions received from an external computing system, a future state of an electronic account associated with the user. The virtual assistant computing system may then cause display, on the user device via a network, a visualization of the future state of the electronic account based on the future electronic transaction and the plurality of scheduled electronic transactions.