Abstract: A method comprises receiving a request to display a first digital image on a user device associated with a user. The first digital image is representative of a first side of a physical check, and the physical check has sensitive information in a field. Sensitive information is deleted from the first digital image so that the sensitive information is unrecoverable and unretrievable from the first digital image. After deleting the sensitive information from the first digital image, the first digital image is displayed on the user device. In response to determining that the user has failed to pass interdiction, an interdiction factor is received. In response to the interdiction factor matching a stored interdiction factor, the user is passed from interdiction. After passing the user from interdiction, a second digital image is displayed on the user device and the field is then unmasked.

Abstract: The invention provides systems, methods and computer program products for implementing a prepaid currency transaction. The invention comprises (i) receiving a payment instruction for incrementing or debiting a prepaid currency value stored in a first payment account, (ii) implementing the payment instruction, (iii) identifying a set of POS terminals for implementing a memory update memory within each POS terminal in the identified set of POS terminals, wherein the memory update comprises recording an incremented or decremented prepaid currency value stored in the first payment account as a result of implementing the payment instruction, and (iv) performing the memory update within each POS terminal in the identified set of POS terminals.

Abstract: The current disclosure relates to systems, apparatuses, and methods of for performing an electronic transfer, including determining recipient information for the electronic transfer using a first user interface of the electronic banking platform, in response to determining the recipient information, two or more user interactive elements are displayed in a second user interface of the electronic banking platform, each of the two or more user interactive elements corresponds to a different one of a plurality of electronic P2P transfer platforms, receiving user input corresponding to a selected user interactive element of the two or more user interactive elements, the selected user interactive element corresponds to a selected electronic P2P transfer platform of the plurality of electronic P2P transfer platforms, and processing the electronic transfer using the electronic banking platform and the selected P2P transfer platform.

Abstract: In an aspect, the present application describes a computer system. The computer system includes a communications module and a processor coupled to the communications module. The computer system include a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to: receive, from an automated teller machine (ATM) and via the communications module, an indication of a deposit of a value instrument; save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal of value instruments corresponding to an amount of the deposit; receive, via the communications module, an instruction to process a data transfer to a recipient, the data transfer to the recipient accessing at least a portion of the deposit; and process the data transfer to the recipient during the temporal period using at least a portion of the deposit.

Abstract: An information technology platform for personalizing an experience of a visitor at a non-profit venue comprising: a network; a server in communication with the network; a mobile computing device to be carried by a visitor to a non-profit venue, wherein the platform determines personalized information about the visitor and a recommendation engine outputs a suggestion for a personalized experience to the visitor to encourage philanthropic activity related to an ongoing philanthropic campaign; and a machine learning system for learning on a training set of photographic data or video data, the learning to train the machine learning system to predict a sentiment towards the ongoing philanthropic campaign of the visitor based, at least in part, on photographic images or video images that are taken by the visitor, that are shared to the visitor, that are shared by the visitor or that include the visitor as a subject.

Abstract: Described herein are systems and techniques in which a service provider may determine one or more capabilities of an authorization provider. To do this, the service provider may, upon receiving a request to determine authorization provider capabilities that includes at least an account identifier and an indication of a transaction type, identify a prototype message template associated with the indicated transaction type from a plurality of prototype transaction templates. The service provider may then overwrite a number of default data values with data values specific to the transaction to generate a prototype message for the transaction, which it may then send to the authorization provider. Upon receiving a response from the authorization provider, the service provider may determine whether the authorization provider is capable of conducting a transaction of the indicated transaction type based on information included within the received response.

Abstract: Systems, methods, devices and computer-readable media for generating incentives for a loyalty system are described. A method includes: receiving, at at least one processor, data reflective of transactions conducted by a plurality of customers; processing, at the at least one processor, the data to determine a set of attributes for each of the plurality of customers; classifying, at the at least one processor, each of the plurality of customers according to at least one of a plurality of customer groups based on the determined set of attributes; and generating, at the at least one processor, an incentive targeting customers in at least one of the plurality of customer groups.

Abstract: Disclosed are example methods, systems, and devices for integrating payment API services provided by a service provider computing system with a client application. The client application running on a user device may allow a user to make payments and/or to submit payments for approval and may communicate payment information to a client computing system. If a payment is submitted for approval via the client application, the client computing system may make API calls to the service provider computing system to, for example, submit, view, and/or cancel payments. Payments may be approved by a second user using a second device. The service provider computing system initiates fund transfers for approved payments. Payments may be submitted within the operating environment of the client application without use of an application or website of the service provider.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing smart vehicle data. The managed data may relate to a detected vehicle event, such as: a motion or position detected by a motion or position sensor as a GPS chip, an accelerometer, a compass, a speedometer, a gyroscope, etc.; braking detected by a braking sensor; turn input detected by a steering wheel sensor; wheel position detected by a wheel sensor; engine temperature detected by a temperature gauge; oil temperature detected by a temperature gauge; a seatbelt status detected by a seatbelt and/or seat sensor; etc.

Abstract: The present invention teaches a system, method and computer program for enabling local or regional merchants to participate in an automated cause marketing (ACM) program. The ACM program that may provide benefits to several parties involved in fundraising for one or more supported organizations, including one or more supported organizations, advertising providers, merchants, and individuals. Merchants are able to access enhanced analytics regarding their transactions with members and non-members of the ACM program and can use these enhanced analytics to realize an increased number of or revenue from transactions with members. The present invention also teaches a system and method for enabling advertising providers to acquire and analyze data associated with consumers-merchant transactions. The present invention provides the above advantages optimally using a mobile device.

Abstract: The APPARATUSES, METHODS AND SYSTEMS FOR A PUBLISHING AND SUBSCRIBING PLATFORM OF DEPOSITING NEGOTIABLE INSTRUMENTS (hereinafter “PS-PLATFORM”) provides a negotiable instrument data publish and subscribe framework, whereby financial institutions may exchange negotiable instrument deposit data and/or validation information within the publish and subscribe framework. In one embodiment, the PS-PLATFORM may register a financial institution as a subscriber and provide financial transaction information to the financial institution based on the subscription.

Abstract: A system for generating a sequential visual narrative is provided. The system includes a media analyzer to obtain media and descriptive data pertaining to a subject and to categorize the media into narrative categories. The system includes a description generator to process the descriptive data and the narrative categories to generate text descriptions describing the subject in relation to the media. The system includes a visual display generator to sequence the media in a narrative sequence, map the narrative sequence to a display layout, and to generate and output a visual display including the text descriptions in visual association with the media.

Abstract: A tracking liquidity order and related market center and process are disclosed which allow posting market centers (e.g. exchanges) to fill routable, smaller orders that would have otherwise routed off the posting market center. Such tracking liquidity orders increase the liquidity of that posting market center and allow it to execute more orders internally, without having to route them to an away market center.

Abstract: An online system receives information describing a target group of online system users from a third party system that includes one or more user properties, which may identify an action performed by a an online user within a time interval to include the user in the target group. When an opportunity to present advertisement requests to a user is identified, the online system retrieves actions associated with the user and times associated with the actions. If an action associated with the user matches the action identified by the user properties and occurred within the time interval identified by the user properties, and other characteristics of the user satisfy at least a threshold number of the user properties, the online system includes the user in the target group. Advertisement requests having targeting criteria, including the target group, satisfied by characteristics of the user are evaluated for presentation to the user.

Abstract: Systems and methods for automatically restructuring debt are disclosed. An example system may include a data collection circuit to monitor and collect information about at least one entity involved in a loan; and a smart contract circuit to automatically restructure a debt related to the loan based on the monitored and collected information about the at least one entity involved in the loan.

Abstract: Described herein is a network apparatus with secure element and related systems, methods, and apparatuses. A described method includes receiving a request to perform a transaction. The method also includes obtaining confirmation that a network address associated with the request corresponds to a registered physical address. The method further includes obtaining account data and conducting a transaction using the account data.

Abstract: Systems and methods for automatic classification of loan refinancing interactions and outcomes are disclosed. An example system may include a data collection circuit to collect a training set of loan interactions between entities, wherein the training set of loan interactions comprises a set of loan refinancing activities and a set of loan refinancing outcomes; an artificial intelligence circuit to classify the set of loan refinancing activities, wherein the artificial intelligence circuit is trained on the training set of loan interactions; and a robotic process automation circuit to perform a second loan refinancing activity on behalf of a party to a second loan, wherein the robotic process automation circuit is trained on the set of loan refinancing activities and the set of loan refinancing outcomes.

Abstract: An automated, dynamic digital financial management tool is described herein. The financial management tool enables a user to access all forms of payments, debt and transactions to be deducted automatically depending on which form of payment is chosen. The financial management tool documents every item/service purchased. The documentation enables a company/manufacturer/store to provide marketing and recall information to the user. The financial management tool is able to include any and/or all financial aspects of a user's life. The financial management tool is able to be implemented using a universal card. The financial management tool is able to include a pay station to receive payments. The financial management tool is able to include automated services. An automated, dynamic health management system is also described herein.

Abstract: Systems and methods for automatic classification of loan collection actions are disclosed. An example system may include: a data collection circuit to interpret interactions among entities related to at least one transaction of a first set of loans, wherein the at least one transaction involves a first collection action of a set of payments corresponding to the first set of loans; an artificial intelligence circuit to classify the first collection action, wherein the artificial intelligence circuit is trained on the interactions corresponding to the first set of loans; and a robotic process automation circuit that is trained on the interactions and a set of loan collection outcomes corresponding to the first set of loans to implement a second loan collection action on behalf of a party to a second loan.

Abstract: A system and method for transacting cryptographic currency is described. An exchange database associated with a number of buyers and sellers is maintained at a host computer system. Cryptographic currency is received from one or more of the sellers at an exchange wallet associated with the exchange database. A match is created within the exchange database, including a buy offer for the cryptographic currency from a buyer and a sell offer for the cryptographic currency from a seller. A cryptographic currency withdrawal request is received from the buyer, and in response, the host computer system determines that a total amount of cryptographic currency represented in the exchange database matches a total amount of the cryptographic currency within the exchange wallet, transfers the cryptographic currency to the buyer's wallet, and updates the exchange database by deducting a first value of the cryptographic currency that is transferred to the buyer's wallet.