Abstract: A method by smart mobility platform includes a mobile application executing on a mobile device, an authentication server, a mobile application server, and a driving telemetry service. The mobile application registers and activates a user account for driving monitoring and rewards. Trip detection is enabled and raw data is transformed to driving factors by the driving telemetry service. The mobile application server converts the driving factors to a safe driving score. The score may be combined with a customer value to determine reward payout. The platform authenticates users and validates requests using electronic mail and short messaging services to ensure privacy and security.

Abstract: Systems and methods for authorizing a source for virtual certification number (VCN) use include receiving a VCN use request from an external entity, the VCN use request including the VCN and transaction data associated with the VCN use request, determining that a VCN binding for the VCN is a strict binding, mapping the transaction data to a transaction source having a transaction source identifier based on the VCN binding being the strict binding, determining a VCN source identifier for the source associated with the VCN, based on a registration authentication of the VCN with the source, comparing the VCN source identifier to the transaction source identifier, determining that the VCN source identifier corresponds to the transaction source identifier based on comparing the VCN source identifier to the transaction source identifier, outputting an approved authorization indicating that the VCN is associated with the source and the source is the transaction source.

Abstract: A virtual assistant processes natural language expressions according to grammar rules created by domain providers. The virtual assistant uniquely identifies each of a multiplicity of users and stores values of grammar slots filled by natural language expressions from each user. The virtual assistant stores histories of slot values and computes statistics from the history. The virtual assistant provider, or a classification client, provides values of attributes of users as labels for a machine learning classification algorithm. The algorithm processes the grammar slot values and labels to compute probability distributions for unknown attribute values of users. A network effect of users and domain grammars make the virtual assistant useful and provides increasing amounts of data that improve classification accuracy and usefulness.

Abstract: Offline electronic currency payment and collection methods are provided. The payment method includes: establishing, by a first device, a wireless connection with a peer device, acquiring wallet information, and transmitting the wallet information to a first peer device without deleting stored electronic currency; and receiving collection information, verifying that first peer offline account information is not included in an offline transaction blacklist, acquiring first transaction information, digitally signing the first transaction information, transmitting first transaction data including signature data to the first peer device, and storing a first transaction record.

Abstract: In an aspect, a method performed at a server includes: receiving an electronic message indicating an expected transfer, the message indicating at least a quantity of resources associated with the expected transfer and a value date associated with the expected transfer; detecting a trigger condition associated with the expected transfer; in response to detecting the trigger condition associated with the expected transfer, determining whether a transfer associated with the expected transfer has been made; and in response to determining that the expected transfer has not been made, providing a notification to a client device associated with a recipient of the expected transfer.

Abstract: A system may receive transaction information associated with a transaction, the transaction information comprising an account number associated with a first user. The system may determine whether the transaction is associated with a second user. Responsive to determining the transaction is associated with the second user, the system may transmit a first prompt to a first user device associated with the first user, the first prompt comprising a request to confirm or deny the transaction. The system may receive, via the first user device, a first user selection confirming the transaction. Responsive to receiving the first user selection, the system may determine whether the transaction exceeds a predetermined threshold. Responsive to determining the transaction exceeds the predetermined threshold, the system may transmit a second prompt to the first user device, the second prompt comprising a recommendation to designate the second user as an authorized user of the account number.

Abstract: Disclosed embodiments may include a system that may receive, from a user device associated with a user, authentication rule(s), each authentication rule associated with respective merchant(s) and comprising respective required authentication factor(s) for completing a transaction with the respective merchant(s). The system may identify a user has navigated to a merchant webpage and may determine at least one rule of the authentication rule(s) associated with the merchant. The system may identify first required authentication factor(s) corresponding to the at least one rule, and may cause the user device to display, via a GUI, the first required authentication factor(s). The system may receive, via the user device, authentication information associated with the user. The system may determine whether the authentication information satisfies the first required authentication factor(s). Responsive to making that determination, the system may enable the user to complete a transaction via the merchant webpage.

Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.

Abstract: Embodiments provide methods and systems for associating a single token with multiple accounts of a user, and enabling the user to define rules for processing transactions using the token. A Federated Virtual Card (FVC) may be provisioned on a digital wallet of a user device through a token associated with the FVC. Transactions conducted using the FVC may be divided among the two or more user accounts based on user-defined rules. An account (e.g. card) may be added to or removed from the FVC without disrupting the card holder's ability to use the card to transact outside the FVC. A mobile application or an online platform may be provided for managing the FVC.

Abstract: Examples describe data security for communication systems. One example includes validating a merchant system using merchant data and generating a set of merchant credentials. The set of merchant credentials is then used in authentication to facilitate a secure transaction, which involves automatically generating transaction data with a tokenized client account number associated with the secure transaction. A refund request associated with the secure transaction is received with the set of merchant credentials that are used for automatically authenticating the merchant system. The example then involves accessing a database that includes the transaction data for automatically facilitating settlement of a refund payment using the authenticated merchant system and the transaction data.

Abstract: A computer-implemented system and method of dynamically switching between a full checkout process and a partial checkout process based on a payment processor load condition. An e-commerce platform may receive checkout requests in connection with a merchant account and may complete, for each of at least one of the checkout requests, an authorization operation and a capture operation via a payment processor. If the platform detects a first payment throughput limit event with regard to the payment processor then it completes a respective authorization operation for each new checkout request, and delays a respective capture operation for the new checkout request until after a second payment throughput limit event is detected.

Abstract: Systems and methods are disclosed for generating an assessment of safety parameters using sensors and sensor data. One method may include, receiving, by a computing device having one or more processors and from a user device, a request for generating an neighborhood safety assessment for a desired geographic area, wherein the request is based on an assessment of a first neighborhood safety parameter of a plurality of neighborhood safety parameters; determining, by the computing device, one or more sensors associated with the desired geographic area; receiving, by the computing device in real time and from the one or more sensors, a present value for a characteristic of the first neighborhood safety parameter of the one or more neighborhood safety parameters; and generating, based on the received present value, an assessment of the first neighborhood safety parameter of the one or more neighborhood safety parameters for the desired geographic area.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system.