Abstract: A payment facilitating and processing system includes a payment terminal. The payment terminal includes a processor and a first receiver. The first receiver is configured to communicate with the processor. The payment facilitating and processing system further includes a second receiver, which is also configured to communicate with the processor. The payment facilitating and processing system still further includes a mobility assistance device including a transmitter. The transmitter is configured to receive payment information from a payment apparatus and transmit the payment information to the second receiver upon positioning of the transmitter in close proximity to the second receiver.

Abstract: A system may identify, using a machine learning model, a series of recurring events associated with an account and may generate, using the machine learning model, a prediction of a future date on which a predicted event, associated with the series of recurring events, is to occur. The system may determine that a condition associated with the account is satisfied and may determine that a current date is within a threshold number of days of the future date based on the prediction of the future date. The system may transmit, to a user device, a notification based on determining that the current date is within the threshold number of days of the future date and that the condition associated with the account is satisfied, wherein the notification includes information for presentation of an input element that enables an action to be performed in connection with the account.

Abstract: In one embodiment, a method includes, by one or more computing devices associated with a payment service (PS), assigning a first payment card number of a first plurality of payment card numbers to an account of a user, wherein the first plurality of payment card numbers is issued from a first issuer processor. The PS detecting an event affecting the use of the first payment card in a transaction. The PS, in response to detecting the event, accessing a second plurality of payment card numbers issued from a second issuer processor and assigning a second payment card number of the second plurality of payment card numbers to the account of the user. The PS receiving an indication that a status of the event has changed. The PS, in response to receiving the indication, automatically enabling, the first payment card number for use in transactions for the account of the user.

Abstract: Disclosed are various embodiments for performing user account migration between platforms. In one embodiment, a client device is configured to obtain an update to a first application. The update causes the client device to obtain a second application. A first user account on a first platform associated with the first application is migrated to a second user account on a second platform associated with the second application. The client device launches the second application for access to the second user account after the first application is launched.

Abstract: Identity verification using payment instrument(s) is described. In an example, an identifier associated with a user can be associated with a secure storage component of a payment instrument associated with the user. A verifying entity—which can be a computing resource and/or a service provider—can receive a request to access a computing resource availed via a computing device operable by the user. The verifying entity can determine whether to grant the user access to the computing resource based at least in part on an interaction between the payment instrument and a reader device associated with the computing device.

Abstract: A self-modifying data container for improved data security and methods of use are disclosed. The self-modifying data container includes a data storage structure for storing financial transaction information. The self-modifying data container also includes a data manager stored as code within the container. The data manager can run on a system hosting the self-modifying data container. The data manager can access transaction information in the data storage structure and modify the data in response to modification triggers. The data manager can delete data in the data storage structure. The data manager can also encrypt data in the data storage structure. The self-modifying data container improves both data security and data privacy.

Abstract: In some implementations, a device may receive an indication of an event that is associated with a first account and an entity, and an amount associated with the event. The device may establish a record, in a relational database, to link an identifier associated with the first account with the event. The device may receive, from a device associated with the first account, a request to associate the event with the first account and a second account. The device may modify the record to link the identifier associated with the event with the identifier associated with the first account and an identifier associated with the second account. The device may update a first balance associated with the first account to reduce the first balance and update a second balance associated with the second account to increase the second balance based on modifying the record.

Abstract: In one embodiment, a method includes storing, in a data store maintained by a payment service, transaction history information associated with two financial accounts of a user. Upon detecting an intent by the user to transfer funds between the first financial account and the second financial account via an application executing on a device of the user, a prediction of a suggested amount of funds for a user to transfer from the first financial account to the second financial account is generated. The payment service sends instructions to the user's mobile device to display the suggested amount of funds with a request to confirm the transfer. Upon receiving confirmation from the mobile device, the payment service initiates the transfer.

Abstract: A system and method of operating a digital financial system to extend access to digital banking to those individuals that never had a financial or digital currency account. Users are able to share their internet with other users of the digital banking app of this invention, who are nearby and have no internet connection, to conduct financial transactions by sharing the internet between them. This increases social and financial inclusion to allow unbanked that have a smartphone to have access to the internet and to affordable digital banking. It also improves on the prior art with legal compliance of country of residence verification aided by technology rather than relying solely on information provided by the users. Thereby requesting stricter verification documents to such very small minority of users who are flagged as potentially non-compliant and leave the vast majority alone enjoying their digital banking experience without exhaustive or annoying processes.

Abstract: A payment facilitating and processing system includes a payment terminal. The payment terminal includes a processor and a first receiver. The first receiver is configured to communicate with the processor. The payment facilitating and processing system further includes a second receiver, which is also configured to communicate with the processor. The payment facilitating and processing system still further includes a mobility assistance device including a transmitter. The transmitter is configured to receive payment information from a payment apparatus and transmit the payment information to the second receiver upon positioning of the transmitter in close proximity to the second receiver.

Abstract: Embodiments provide methods, and server systems for enhancing online payment transaction experience. A method includes receiving, by a server system associated with a payment network, a tokenization request based on selecting a payment card of a plurality of payment cards of a user from a payment application running on a user device for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device. The tokenization request includes a card information of the selected payment card. The method includes facilitating generation of a digital token. The digital token includes a tokenized card information of the selected payment card. The method includes provisioning the digital token in a floating widget at the merchant payment interface on the user device. The floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction.

Abstract: Using position location information to pre-populate and verify information on a credit application is disclosed. A mobile application for a retailer is downloaded to a mobile device. The mobile application on the mobile device obtains authorization to access location information on the mobile device. Location information for the mobile device is received at a computer system and from the mobile device, the location information generated by a positioning system on the mobile device, the location information comprising: historic location information stored in a memory of the mobile device and real-time location information. The location information is used to prefill at least a portion of a credit application.

Abstract: The invention relates to a computer-implemented system and method for authenticating a customer of a business. The method may include the steps of: receiving from the customer at least one item of identifying information; confirming the identity of the customer; generating a token that represents an active session in which the customer interacts with one or more systems or personnel at the business; conducting a first set of communications between the customer and a first system of the business; inquiring with the customer as to whether the customer desires to transfer the active session to a second system at the business or to a third party system; and transferring the active session using the token to the second system or the third party system. The method may also comprise the steps of retrieving background information on the customer to assist a representative of the business in assisting the customer.

Abstract: A device receives recording data, for a recording of a user associated with an account, that captures the user describing a transaction. The device processes the recording data to identify one or more characteristics of an individual that described the transaction in the recording. The device determines, based on the one or more characteristics of the individual, whether the individual that described the transaction in the recording is the user associated with the account. The device causes the recording data to be stored in association with transaction data that identifies a list of transactions that are associated with the account of the user, wherein causing the recording data to be stored in association with the transaction data allows the recording to be made accessible to the user via an interface of an application used to manage the account.

Abstract: Various methods and systems for communication between a fuel dispenser and a mobile device are provided. In one embodiment, a method of operating a fuel dispenser to communicate with a mobile device is provided that includes detecting the mobile device in proximity to the fuel dispenser, and communicating with the mobile device to receive input from and/or send information to the mobile device. The communication can use Bluetooth® Low Energy (BLE).