Abstract: A method for facilitating electronic transactions between a first mobile device and a second mobile device is provided. At a central server, when internet connection is established, the method may include receiving transaction data and prior to processing an electronic transaction based on the transaction data, verifying the electronic transaction. The verifying may include retrieving a first activity log from the first mobile device and a first browser timeout history. The method may further include retrieving from the second mobile device a second activity log and a second browser timeout history. The method may further include verifying that a first mobile application was active when a browser on the first mobile device was in timeout and that a second mobile application was active when a browser on the second mobile device was in timeout.

Abstract: A fraud prevention system that includes a fraud prevention server including an electronic processor and a memory. The memory includes an online application origination (OAO) service. When executing the OAO service, the electronic processor is configured to determine whether the OAO service is enabled and whether a website configuration includes a list of multi-page placements for an online application, determine that input data needs to be stored in the memory and combined into multi-page input data, determine a fraud risk score of the online application based on the multi-page input data and an online application origination (OAO) model that differentiates between a behavior of a normal user and a behavior of a nefarious actor during a submission of the online application on a device, and control a client server to approve, hold, or deny the online application based on the fraud risk score that is determined.

Abstract: A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device.

Abstract: A mobile computer application may (1) access a financial institution mobile application to determine if there is an account that is eligible for provisioning to the mobile computer application; (2) initiate a secure session with the financial institution backend in response to a determination that there is an account eligible for provisioning to the mobile computer application; (3) request an identification of an account that is eligible for provisioning to the mobile computer application from the financial institution backend; (4) receive a pointer to an account that is eligible for provisioning to the mobile computer application from the financial institution backend; (5) display an icon for the eligible account; (6) receive a selection of the icon; (7) return the pointer to the financial institution backend; (8) receive a provisioning payload for the eligible account from the financial institution backend; and (9) initiate in-application provisioning of the eligible account.

Abstract: A computer-implemented method, system, and computer program product is provided for authenticating a transaction. The method includes: receiving, on a mobile device associated with a user, a request from an authentication system, the request associated with a transaction requested by the user; obtaining, with the mobile device from a portable payment device, account data via radio frequency communication; obtaining, with the mobile device, mobile device location data including at least one of the following: GPS location data, telephone carrier location data, wireless network location data, or any combination thereof; encrypting, with the mobile device, at least a portion of the account data and the mobile device location data, resulting in at least one encrypted data packet; and transmitting, with the mobile device to the authentication system, the at least one encrypted data packet.

Abstract: One or more computing devices, systems, and/or methods for performing entity actions based upon inputs received via email interfaces are provided. For example, an email received by an email account may be identified. The email may be associated with an entity action corresponding to a first entity. A selectable input corresponding to performing the entity action may be displayed via an email interface associated with the email account. A request to perform the entity action may be received via a selection of the selectable input. Responsive to receiving the request, an action interface corresponding to performing the entity action may be displayed within the email interface. One or more inputs associated with the entity action may be received via the action interface. Responsive to determining that the entity action is completed, a confirmation message, indicative of the entity action being completed, may be displayed using the email interface.

Abstract: The present disclosure involves systems, software, and computer-implemented methods for providing assisted channel credit application completion for customers, where approval of the credit application results in an automatic integration of payment credentials into a corresponding digital wallet. One example method includes receiving, via an assisted channel user terminal, a request to apply for a new credit account for a customer. Input into a digital credit application is input by an employee or teller on behalf of the customer. A credit adjudication process is performed on the application, and, in response to approval, a new credit account associated with the customer and corresponding payment information is created. A system to which the set of payment information is to be provided is identified, and the set of payment information associated with the new credit account is transmitted to those systems to be automatically integrated into those systems' digital wallets.

Abstract: Transactions between entities may be validated using LoRaWAN communications to more quickly process those transactions. In the example of check depositing, a first entity associated with a check payee may transmit a check clearance request to a second entity associated with a check payor using LoRaWAN communications. The LoRaWAN signaling and communications may be performed between devices within LoRaWAN range. For example, a check depositing device may receive a check deposit where the payor is associated with a different financial institution or entity. Accordingly, the check depositing device may communicate with another device associated with the payor institution or entity using LoRaWAN signals to confirm check clearance.

Abstract: There are provided systems and methods for a device manager to control data tracking with client devices. A device may implement a manager process or application that allows a user to set preferences and/or a schedule of rates for allowing other online service providers to track user data. This may include placement of device-side data, such as a cookie or pixel, or tracking of device data through an application. The manager process may detect when a website, online platform, application, or other entity attempts to track data on the device and may utilize the schedule of rates to request a payment from the tracking entity. If the entity agrees to the payment, the manager may allow the entity to begin tracking data. However, if the tracking entity does not agree to the payment, then the manager may prevent the tracking entity from collecting data from the device.

Abstract: A method includes verifying the identity of an individual. The method further includes receiving non-financial data from the individual and generating a user-level profile. The user-level profiles include the non-financial data received from the individual. The method further includes generating a user-level token unique to the individual. The user-level token is associated with the generated user-level profile. The method also includes provisioning the user-level token to a device associated with the individual. The method further includes receiving an identity verification request comprising the user-level token, wherein the identity verification request is structured as a financial transaction card-originated message, validating the user-level token, and analyzing a context of the received user-level token to determine a relevant non-financial data element included in the non-financial information within the user-level profile.

Abstract: A user authorization device (or UAD) physically connected to a user's router to aid in the authentication of the user. A bank server polls the user's router to verify that the UAD is connected to the router before granting the user the capability to perform transactions on the user's account that would be otherwise restricted. The bank server implements a set of policies designed by the user that require the UAD to be present for some transactions with the account to be performed. The presence of this device thus adds an extra layer of security to such financial transactions beyond the use of a username and password.

Abstract: An asset information collection apparatus includes: a first reception part configured to cause a plurality of first servers to anonymize a plurality of items of asset information and to generate a plurality of items of anonymous asset information such that a specific individual cannot be identified based on the items of asset information when the items of asset information stored in the first servers are viewed by one or more user terminals, and configured to receive the items of anonymous asset information from the first servers; a second reception part configured to be for one or more users using the one or more user terminals and to receive one or more identifiers that is not capable of identifying a specific individual from the first servers; and a storage part configured to store the items of anonymous asset information in association with the one or more identifiers.

Abstract: A computerized end-to-end platform configured to receive and process financial market data in real-time, the end-to-end platform comprising: a computer system, the computer system comprising a host processor and host memory; a price analytics engine configured to minimize credit pricing risk and enabling systematic monitoring of credit pricing in a plurality of currencies; a predictive issuance analytics engine configured to systematically identify at least one fixed income market opportunity, wherein the at least one fixed income market opportunity comprises at least one financial instrument, and to provide pre-issuance insights into the fixed income market, and a matching and discovery engine configured to match at least one target institutional buyer with the fixed income market opportunity using a classifier trained on historical and contemporaneous data.

Abstract: Embodiments provide method and systems for determining connectivity information of payment network for a reliable payment transaction. The method includes receiving a connectivity information request before performing a payment transaction via payment network. The method includes generating a connectivity check message including a plurality of connectivity status flags associated with payment entities in payment network. The method includes sending the connectivity check message to the payment entities in a predefined sequence of a payment transaction flow in the payment network. The method further includes facilitating setting up the plurality of connectivity status flags based on a successful communication of the connectivity check message between the payment entities in the predefined sequence. The method includes determining if each of the plurality of connectivity status flags is set with the success state.

Abstract: A system and method for providing location based services for user-fee chargeable facilities is provided. The invention provides for detecting location, and offering and charging for usage of user-fee chargeable facilities. The invention further provides a convenient and common platform for offering user-fee chargeable services from different organizations. Furthermore, the invention provides a system and method that facilitates payment of fees through multiple payment channels, provides opportunities for using accumulated loyalty points in lieu of payments, availing personalized discounts and/or offers in lieu of financial payments and provides options for sharing the payment of fees between multiple users. The invention also provides a system and method that helps facility owners and operators and third party partners to reduce costs and increase revenue leveraging location-based services.

Abstract: Screening of entities using multi-level rules and tolerances against entity data. The entity data are screened for multiple entities, including determining if the entity data comply with business activity rules. If a respective entity fails to comply with the business activity rules, investments with the non-compliant entity are added to a list of non-usable investments. If the respective entity complies with the business activity rules, the respective entity is identified as a business-activity-compliant entity. Each respective business-activity-compliant entity is then screened using multiple screening methodologies, which are applied to screen the entity data for the respective business-activity-compliant entity against each of the financial rules in accordance with the respective screening methodology.

Abstract: An apparatus and computer-implemented electronic transaction method includes the operation of reading, via a payment-on-delivery device, a machine-readable transaction code in which transaction details of a collect-on-delivery transaction are encoded. A notification is transmitted to a consumer computing device. In addition, the transaction details are transmitted to the consumer computing device. The apparatus transmits payments details for funding the collect-on-delivery transaction to an interchange network for processing the collect-on-delivery transaction. The apparatus receives a payment authorization response message from the interchange network indicating completion of the collect-on-delivery transaction.

Abstract: The present disclosure presents a method for a card based transaction between a mobile terminal and a service provider system having one or several computer servers. The mobile terminal obtains a CSC from credit card/debit card. The mobile terminal obtains a data seed. The mobile terminal applies a minimal perfect hash function to the CSC as well as the data seed to generate a temporary CSC. The mobile terminal initiates a card based transaction with the service provider system utilizing the generated temporary CSC. The service provider system obtains the temporary CSC and applies a same minimal perfect hash function to the temporary CSC until a match is found between the obtained temporary CSC and one CSC stored at the service provider system. In response to a match the service provider system continues the initiated card based transaction with the mobile terminal.

Abstract: Methods for synthetic transaction monitoring are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for synthetic system monitoring may include: (1) generating a synthetic transaction having a nominal value; (2) at a test interface, initiating the synthetic transaction into a transaction processing flow comprising a plurality of transaction elements; (3) the test interface receiving, from a first transaction element of the plurality of transaction elements, a first transaction state for the transaction; (4) the test interface comparing the first transaction state to a first expected transaction state for the first transaction element; and (5) the test interface generating an output based on the comparison.

Abstract: A method and system identify characteristics of financial transaction description strings. The method and system trains an analysis model with a machine learning process to classify financial transaction description strings. The analysis model generates a table that indicates the portions of the financial transaction description strings that were relevant in classifying the financial transaction description strings and the portions that were not relevant.