Abstract: An account holder's portfolio of transactions may be represented as a network of interconnected transaction nodes where each node represents a credit card transaction. This network may then be analyzed using artificial intelligence and machine learning techniques coupled with visual representations of the interrelated nodes to draw conclusions. An account holder or other system entity may report a fraudulent transaction that employs the holder's account information. A backend system may organize transaction information as a network of data nodes that includes a variety of interrelated information. The backend system may then identify all financial transaction “nodes” within the network that are related or connected by common data. For example, multiple transactions may include a common merchant as the reported fraudulent transaction. The backend may then perform an analysis of the nodes to identify likely fraudulent transactions based on one or more of the data elements for each node.

Abstract: A payment support system includes a terminal ID acquisition processing unit, a position acquisition processing unit, an association processing unit, and a payment processing unit. The terminal ID acquisition processing unit acquires identification information of a user terminal of a user who entered a facility. The position acquisition processing unit acquires position information of the user terminal. The association processing unit stores the identification information acquired by the terminal ID acquisition processing unit and a use price of the facility of the user in a storage unit in association with each other. The payment processing unit executes a payment process of the use price when the user terminal is separated from a predetermined area of the facility by a predetermined distance or more after exiting the predetermined area.

Abstract: A fundraising coordination system which includes communication capacities with several different components or subsystems, including mobile devices and tracking devices, allows for fundraising activities to be carried out in an efficient and effective manner. The coordination system is configured with several cooperating modules including tracking module (in communication with a tracking device), a communication and promotion module, an event coordination module, a donations/pledges module, and a collections module. The various modules allow for fundraising activities, such as peer-to-peer and/or institutional fundraising, to be carried out in combination with tracking devices, thus providing efficiency and effectiveness. The use of tracking devices (e.g. gps tracking devices) makes the system more efficient by automatically tracking participant activities.

Abstract: A system, method and computer program product for granting access and/or an authorization are disclosed. For instance, a computer-implemented method may include receiving a first sequence of plurality of biometric data elements. The sequence of plurality of biometric data elements may comprise a biometric passphrase. The method may include registering the biometric passphrase to a known user and/or a transaction account. The method may include receiving a transaction request comprising a second sequence of plurality of biometric data elements. The method may include comparing the second sequence of plurality of biometric data elements to the biometric passphrase to resulting in a confidence factor of the comparison. The comparison may include comparing the sequencing of the second sequence of plurality of biometric data elements and the characteristics of each biometric data element of the second sequence of plurality of biometric data elements to the biometric passphrase.

Abstract: A method, computer program product, and system are disclosed for managing a return transaction within an environment having a plurality of purchasable item. The method acquires, using at least one visual sensor disposed within the environment, first image information including a first person and including a first item associated with the first person. The method identifies the first person using image analysis performed on the first image information. Further, the method determines, using image analysis performed on the first image information and based on one or more predetermined criteria, that the first item is eligible to be returned by the first person within the return transaction. Upon completion of one or more predefined return tasks specified for the first item within the return transaction, the method updates a first data structure representing an inventory of the environment to reflect the returned first item.

Abstract: A simulator for providing teaching and training related to negotiable instruments is disclosed. The provided simulation includes a simulated negotiable instrument. The simulator captures an image of a portion of an environment including a piece of printed collateral. The simulator then displays an augmented reality version of the environment. Displaying the augmented reality version of the environment includes detecting the printed collateral in the image, replacing the printed collateral in the image of the portion of the environment with an image of the negotiable instrument to yield an image depicting the portion of the environment as including the negotiable instrument, and presenting, the image depicting the portion of the environment as including the negotiable instrument. The simulator provides an indication of an outcome of a simulated negotiation of the negotiable instrument. Related methods and computer-readable media are disclosed.

Abstract: Embodiments of the present invention provide systems, program products, and methods of loading a loan on a pre-paid card. A bank receives authorization from a lender to credit loan proceeds from the lender to an approved borrower on an existing pre-paid card associated with the pre-paid card processor. Next, the bank credits the loan proceeds to the pre-paid card processor for the existing pre-paid card so that the loan proceeds are released to the approved borrower and are immediately available.

Abstract: Methods and systems for providing automated methods of inspections that facilitate loss reporting and resolution are described. In some embodiments various remote evaluation tools are provided to collect information from remote locations. This information can be used to generate automated damage estimates which in turn can be used to direct the ordering of supplies, materials, and other resources. In addition, pre-damage and post-damage evaluations of an insured property may be collected using the remote evaluation tools. These evaluations can be used by adjusters (human adjusters and computer-based adjusters) to identify damage and process claims more efficiently.

Abstract: A transaction system based on a distributed peer-to-peer computer architecture, said system involving transactions generated by users by means of wallets and allowing the transfer of units of account by feeding inputs from outputs, each transaction (called downstream transaction) having an input directly or indirectly referring to an output of an upstream transaction (or several inputs each referring to an output of a respective upstream transaction) and having an output specifying the number of units of account and an address of a recipient.

Abstract: Systems, methods, and apparatus are disclosed that provide a merchandise return and/or exchange process for items purchased from brick-and-mortar and/or e-commerce stores. In some embodiments, a mobile computing device of a customer may determine whether the mobile computing device and therefore the customer are in a defined zone for a store. In response to determining that the mobile computing device is in the defined zone, the mobile computing device may notify the customer and request whether the customer wishes to initiate a return and/or exchange of purchased items to the store. The mobile computing device may notify a merchandise pickup system of the customer's desire to return the purchased items.

Abstract: A device implementing a scalable wireless transaction system includes at least one processor configured to receive, from a wireless transaction system server, a list of wireless transaction group identifiers, and an indication of at least one applet associated with each of the wireless transaction group identifiers. The at least one processor is further configured to receive, from a wireless transaction device, a polling frame that includes one of the wireless transaction device group identifiers. The at least one processor is further configured to select an applet provisioned on a device secure element that is assigned to the wireless transaction group identifier, the assigning being based at least in part on the received list. The at least one processor is further configured to utilize the selected applet to perform a wireless transaction with the wireless transaction device.

Abstract: The specification describes methods and systems for payment processing. An example method comprises: receiving a product settlement request from a settlement user; acquiring and storing biometric feature information of the settlement user; receiving product information from the settlement user; obtaining a payment account of the settlement user according to the stored biometric feature information; and deducting, from the payment account, a consumption amount determined based on the product information.

Abstract: According to a first aspect there is provided a method of identifying the funding source of an electronic transaction, said method comprising a payment terminal: receiving a transaction request comprising one or more credentials from a payment device; and determining whether said credentials comprise a funding source proxy (FSP) and, if not, generating the FSP from one or more of said credentials according to a predetermined algorithm stored on said payment terminal; wherein the funding source proxy is derived from a funding primary account number (FPAN) of a funding source of said payment device. Other aspects provide a method of blocking an electronic transaction, a method of authorising an electronic transaction, a method performed by a payment terminal and a method of provisioning a device with payment capability.

Abstract: The illustrative embodiments described herein provide systems and methods for managing payments to a payee using a communication device associated with a payor. In one embodiment, the method includes accessing billing data associated with a payor, and determining whether to send a payment notification to the communication device based on the billing data. The method also includes sending the payment notification to the communication device. The payment notification initiates a prompt on the communication device.

Abstract: Methods, apparatus and systems for operating a consumer mobile device to consummate an online purchase transaction. In some embodiments, the process features a mobile device processor that receives a mobile device single screen checkout request, initializes a single screen checkout application, and displays a single screen checkout user interface on a touch screen component. The single screen checkout user interface partially overlays a merchant checkout webpage, and includes purchase transaction options and a cardholder verification method (CVM) request message. The process also includes receiving user input responsive to the CVM request message, and displaying a transaction confirmed message on the touch screen component when the user input satisfies the CVM request message.

Abstract: Systems and methods are disclosed for a geofence-based location tracking and notification triggering system. One of the methods includes obtaining location information associated with a user device; accessing information indicating entities located within one or more threshold distances of the obtained location; determining whether a user of the user device satisfies constraints specified by the entities; and generating a notification to be provided to the user device, the notification indicating information associated with at least one entity for which the user satisfies specified constraints. Preferably, the notification is in the form of a text messages, which provides advantages for real-time notifications with increased spatial relevance to a user.

Abstract: In a mobile terminal, while a payment mode in which payment is available to be performed by a payment unit, execution of a function other than the function related to the payment is limited.

Abstract: A bank account can be authenticated or confirmed by a user providing an account number and a debit card number. The payment provider then obtains user account information from the bank through a debit card network. The payment provider authenticates the account if the account numbers match. In another embodiment, authentication further requires a portion of a current bank balance in the account provided by the user to match the current balance received from the bank.

Abstract: A system which comprises a server which processes a plurality of financial document transaction requests each having a magnetic ink character recognition (MICR) code and an image of a financial document and a module installed in a portable device having an image sensor, a processor and a transmitter, the module uses the processor to extract a MICR code from a financial document imaged in an image captured using the image sensor and uses the transmitter to forward the MICR code and the image to the server via a network as a financial document transaction request.

Abstract: Systems and methods for integrated management and scheduling of events associated with both physical and digital mail are provided. A print stream processor utilizes recipient preferences to determine that a mail piece should be delivered by physical mail. The server then processes the mail piece print stream to extract time sensitive data such as a payment amount and due date. The server utilizes the identity of the physical mail piece recipient and the time sensitive data to provide a scheduling message to the recipient. Here, the scheduling message includes injecting a calendar entry to a centralized mail management system having an account for the recipient. Additionally, reminder messages are provided to the recipient based upon recipient and/or sender preferences. Similarly, entries relating to physical coupons or other offers sent to the recipient are placed on the recipient's calendar including offer deadline entries.