Abstract: Systems, methods, and computer-readable media for managing secure transactions between electronic devices and service providers. In one embodiment, an administration entity system may receive device order data from an electronic device, wherein the received device order data is indicative of an order for an item of value of a service provider system to be stored on the electronic device, transmit administration order data to the service provider system based on the received device order data, wherein the administration order data is indicative of the order for the item of value, receive service provider fulfillment data from the service provider system based on the transmitted administration order data, wherein the service provider fulfillment data includes the item of value, and transmit administration fulfillment data to the electronic device based on the received service provider fulfillment data, wherein the administration fulfillment data includes the item of value.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for tracking a product item in an automated-checkout store. One of the methods includes receiving, from a plurality of sensors, data collected by the sensors, identifying an account associated with a person who enters the store, receiving data on movement of the product item collected by one or more of the sensors, determining an interaction between the person and the product item based on the data collected by one or more of the sensors, storing information associating the product item with the person; and deducting a payment amount from the identified account, wherein the payment amount is based on a price of the product item associated with the person.

Abstract: Disclosed herein are system, method, and computer program product embodiments for providing an overall assessment of a combined inventory item and structure similarity to an initial inventory item and structure. A plurality of inventory items, stored in a database, maybe retrieved to generate a score value corresponding to each of the plurality of inventory items based on a plurality of facets describing the inventory item. Based on the generated score value, a subset of the plurality of inventory items may be determined based on data points representing the subset of the plurality of inventory items that are within a preconfigured Euclidean distance from a centroid representing a data point corresponding to the initial inventory item. One or more structures corresponding to the subset of the plurality of inventory items may be dynamically generated, and their combinations are scored for finding an alternate inventory item and structure.

Abstract: Systems and methods that may be used to allow married couples to prepare separate individual tax returns while also being able to evaluate the merits of filing a joint return in a manner that does not breach each spouse's financial privacy.

Abstract: A transaction card system pulls past transaction data from a financial institution. A user profile model is applied to the past transaction data and customer data features and transforms the data into a user feature profile that summarizes the identity data, financial health and payment capacity of the customer. An overdraft request has current declined transaction details relating to a customer transaction using the transaction card. The computing network pulls from cache the most recent customer transaction banking data and most recent user feature profile and applies a machine learning approval model to the current declined transaction details, the most recent customer transaction data, and the most recent user feature profile, and determines whether to approve or decline the overdraft amount.

Abstract: A vending machine interface includes a front panel, a product selection panel, and a piezoelectric element. The front panel bends in a normal direction when being pushed by a user. The product selection panel is disposed facing the front panel. A detection element is attached to the product selection panel and configured to detect bending of the front panel.

Abstract: Systems, methods, and apparatuses for providing cash back to a customer from a linked ATM after a purchase transaction are described herein. A customer initiates the transactions using a payment check. A cash back amount is determined and an authentication passcode is created. Cash back information is then transmitted to the linked ATM. The cash back information includes the cash back amount and the authentication passcode. The authentication passcode is then provided to the customer. A cash back transaction is then authenticated using the authentication passcode, and the customer is provided with the cash back amount from the linked ATM.

Abstract: Methods and systems for facilitating delivery of goods from a retail location to a customer are disclosed. In one method, a request is received from a customer user which includes an order for goods to be delivered from a retail store. One or more delivery users within a predefined geographic area shared with a location of the customer user are identified. A delivery user agrees to pick up the customer's order and deliver the requested goods to the customer's home. Confirmation messages are automatically sent and received when the delivery user picks up the customer's order and again when the order is delivered to the customer. The delivery user can earn rewards or payments upon completion of successful delivery.

Abstract: A product catalog service allows merchants to create and store product catalogs indicating products that are available from the merchants. Transaction data from point-of-sale (POS) devices of a plurality of merchants can be received. A first catalog of a first merchant can be obtained from a first POS device of a first merchant. The first catalog contains items to be sold by the first merchant. Using the transaction data and the catalog, a second catalog of items to be sold by a second merchant can be generated or updated and transmitted to the second merchant. Items can be compared using item attributes. Item descriptions in the second catalog can be based on item descriptions in the first catalog.

Abstract: The present disclosure provides a computerized method item correlation including: receiving an indication of an order comprising at least one item; determining if the order is urgent based on an amount of time remaining until the items must ship to a customer; determining a location of each of a plurality of pickers; iteratively, for items in the order: identifying a picker closest to the item, the picker having a current job priority; correlating the closest picker and the item in a data structure; re-correlating, in the data structure, at least one item previously correlated with the closest picker to an alternate picker in response to the current job priority not being urgent; sending, to a user device of the closest picker, a location and item identifier associated with the item; and storing, in the data structure, a completion flag in correlation with the item upon receipt of an item-complete message.

Abstract: A system for prioritizing fraud cases includes a processing circuit and a network interface structured to receive fraud cases having transaction data and an initial priority score. The processing circuit is structured to determine an updated priority score for each fraud case based on case prioritization data comprising rules developed using a machine learning model, initiate an action for each fraud case based on the updated priority score, where the action comprises assembling a first group of the fraud cases in a single database and taking an action on a second group of the fraud cases, assign the first group to a computing terminal associated with a fraud agent, receive an input from the computing terminal regarding a disposition of the first group of fraud cases, update the model based on the input and the transaction data, and restructure the case prioritization data based on the updated model.

Abstract: In various embodiments, an application and platform comprising systems and methods for staging equipment rentals is given. In association with an equipment rental facility, a mobile application can be utilized to identify the nature, quantity and maintenance condition of selected equipment assets that can be rented. The mobile application can identify the staging status of a specific equipment asset, facilitating efficient selection of desired equipment assets in advance of arrival of a customer. Staging status, and additional parameters, can be displayed and acted upon based on visual elements in association with the mobile application such as color, icons, or other visual elements, and first and second visual elements can be used to provide significance.

Abstract: Systems, apparatuses, and methods directed to authentication. Authentication data may be determined by previous authentications of a plurality of products. Sensor data, related to a first product, may be received. A current authentication of the first product may be executed based on the sensor data and at an authentication device. The execution may include identifying the first product based on the sensor data. The execution may further include identifying whether the current authentication is substantially similar the previous authentications based on whether the first product is substantially similar to the plurality of products. The execution may further include that when the current authentication is identified as not being substantially similar to the one or more of the previous authentications, authenticating the first product according to remote data and the sensor data. Otherwise, the first product may be authenticated according to the authentication data.

Abstract: An inventory management server is provided. The inventory management server includes at least one processor, and at least one memory. The at least one memory includes computer program code configured to cause the inventory management server at least to receive tracking data assigned to a product from a payment network, interrogate a mapping table containing assigned product to tracking data information, for the presence of the received tracking data, update an inventory database of the product stocked at the merchant inventory in response to detection of the presence of the received tracking data, and transmit acknowledgement data indicative of the inventory database update. The tracking data is transmitted by a merchant via a payment terminal in communication with the payment network.

Abstract: A post-paid transaction data processing method includes: receiving risk search information via a wireless or wired interface, the risk search information including a transaction amount and a transaction user identifier of a post-paid transaction; acquiring, according to the transaction user identifier, a payment channel corresponding to the transaction user identifier; determining a predictive affordable value of the payment channel for the transaction amount based on the payment channel and the transaction amount; and determining a default evaluation result of the post-paid transaction according to the predictive affordable value.

Abstract: A system for automatic reordering of replenishment stock is described herein. The system generally comprises a storage bin defining a first compartment and a second compartment in proximity to the first compartment where the storage bin is configured to store a predetermined product. A cover assembly may normally restrict access to the second compartment. When the product is exhausted from the first compartment, opening the cover assembly to access the product in the second compartment may trigger a sensor in proximity to the second compartment. This triggering causes the sensor to wirelessly transmit a signal to a processor to reorder a quantity of the product.

Abstract: To provide an inventory management server, an inventory management system, an inventory management program, and an inventory management method which are capable of carrying out inventory management such as warehousing processing and delivery processing easily and inexpensively by using an image for identifying merchandise together with an image of the merchandise.

Abstract: In some cases, a handheld device that includes a microphone and a scanner may be used for voice-assisted scanning. For example, a user may provide a voice input via the microphone and may activate the scanner to scan an item identifier (e.g., a barcode). The handheld device may communicate voice data and item identifier information to a remote system for voice-assisted scanning. The remote system may perform automatic speech recognition (ASR) operations on the voice data and may perform item identification operations based on the scanned identifier. Natural language understanding (NLU) processing may be improved by combining ASR information with item information obtained based on the scanned identifier. An action may be executed based on the likely user intent.

Abstract: Based on detecting a selection, by a first user, of a group payment option on a merchant interface, the computer system launches a user selection user interface that includes one or more user selection interface elements that correspond to one or more users associated with the first user. Based on detecting a selection of one or users, the computer system launches a group payment user interface that includes one or more payment allocation user interface elements that corresponds to a payment allocation for the selected users. Based on detecting a confirmation of a first payment allocation plan, the computer system processes a payment for the purchase and further transmits invoices to the selected users which include an allocated payment amount.

Abstract: A method and system assists users of an electronic bookkeeping system to sort financial transactions into accounts representing bookkeeping categories. The method and system generates vectors representing the accounts and the merchants known to the bookkeeping system. The method and system generates compressed versions of the vectors by compressing the vectors. The method and system assists users to sort the financial transactions by analyzing the compressed vectors.