Abstract: A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.

Abstract: A method of processing digital checks is provided. The payor enters a payee name and the financial amount to be paid into a digital check software application. The digital check is then transmitted to the payee. The payee is able to view parts of the digital check while some parts of the digital check remain encrypted and unobservable by the payee. The payee then transmits the digital check to a financial services provider. The financial services provider decrypts the digital check and may perform analyses on the digital check. The financial services provider then transmits the digital check to the financial institution associated with the payee's bank account. The financial institution settles the digital check using conventional check clearing processes.

Abstract: Disclosed are systems and methods for automatically applying resource utilization thresholds. The systems and methods allow resource utilization to be managed effectively, efficiently, and in a secure fashion. The system can utilization artificial intelligence technology to enhance the accuracy and customization of resource utilization thresholds by properly classifying resource utilization demands and applying threshold limitations directed to particular classifications of resource utilizations.

Abstract: Systems and methods are disclosed with respect to using a distributed ledger, such as a blockchain, for managing loss histories for individuals and/or assets, such as real estate, homes, and vehicles, and/or for creating and maintaining loss history reports for individuals and/or insurable assets. The loss histories or loss history reports may be individual or insured specific, or may be insurable or insured asset specific.

Abstract: A method includes: receiving an indication of a distribution initiating event; identifying resources associated with the distribution initiating event; retrieving a hierarchical ordering matrix that utilizes at least one parameter to control a distribution of the resources; determining a preferred rail for distributing the resources based on the at least one parameter associated with at least one of the resources or a customer relative to the hierarchical ordering matrix, whereby determining the preferred rail includes receiving a customer preference regarding a preferred distribution methodology for the resources, and selecting one of the plurality of rails to be the preferred rail based on the received customer preference and an amount of the resources to be distributed being less than a max transfer amount of the one of the plurality of rails that is selected to be the preferred rail; and initiating the distribution of the resources via the preferred rail.

Abstract: Systems and methods are provided herein that can include capturing a plurality of images of a document, analyzing the plurality of images to identify a plurality of acceptable portions within the plurality of images, combining the plurality of acceptable portions to generate a composite image of the document, and transmitting the composite image to a depository. Additionally or alternatively, the systems and methods can include capturing an image of a document, identifying a designated portion of the captured image of the document that fails to satisfy a predetermined image quality criteria, recapturing an image of only the designated portion of the document, generating a composite image from the captured image of the document and the recaptured image of only a portion of the document, and transmitting the composite image of the document to a depository via a communication pathway.

Abstract: An email payment gateway may be configured to send emails to potential donors. The emails may include mailto hyperlinks. Each mailto hyperlink may be associated with one or more fundraising campaigns, and each mailto hyperlink describes an email message that may be generated when that hyperlink is selected. When a mailto hyperlink is selected, the generated email message may include one or more parameters related to the fundraising campaign associated with the hyperlink, such as an identifier of the fundraising campaign, donor identity or donation amount. The generated email message may then be transmitted to the email payment gateway. The email payment gateway may receive the message and, based on the parameters in the received message, process the donation on behalf of the donor.

Abstract: A physical container (e.g., a battery) may be filled up (charged) or emptied (discharged) with energy commensurate with requirements to post a particular amount of collateral. The disclosure provides computing systems and methods for processing data using a novel combination of wavelet techniques and rolling techniques to more efficiently detect seasonality in particular products (e.g., energy products) to more accurately model and determine collateral/margin requirements. A clearinghouse computing device may be configured to generate a margin requirement for a portfolio of products and may include a processor to process instructions that cause the clearinghouse computing device to perform wavelet decomposition and rolling methods on a historical database of records.

Abstract: Examples provide a system for real-time card tier upgrades for cardholders in card-not-present (CNP) transactions. A cardholder is notified that an account is eligible for upgrade to a higher tier. When a card-not-present transaction request is received, an upgrade manager requests consent from the cardholder in real-time during the account authentication process. If the cardholder consents to the upgrade, an upgrade code is mapped to the personal account number (PAN) associated with the account of the cardholder before the CNP transaction is authorized. The account is upgraded to the higher tier and the CNP transaction is completed using the account at the higher tier. If the consent is not received for the upgrade, the CNP transaction is completed using the account at the lower tier. This enables a merchant-agnostic and industry-agnostic real-time card tier upgrade without changing the PAN and without cardholder presentation of a physical account card.

Abstract: A system includes a processor and a data storage medium where the processor is caused to define a first set of account controls including first permissions and first restrictions for a first user (a minor) of a first customer account; define a second set of account controls including second permissions and second restrictions for a second user (a guardian of the first user) of the first customer account; adjust the first set of account controls to increase the first permissions and decrease the first restrictions; receive automated account management plans defining a set of account controls; select an automated account management plan based on monitored behavior of the first customer account; transmit a notification to the first user and the second user indicating that the first set of account controls are adjusted; receive a dismissal of the notification; and adjust the first set of account controls.

Abstract: A computer-implemented method is provided. A first transaction from a sender made via the sender PSP server to a receiver via a receiver PSP server is identified. When the first transaction is pending, at least one subsequent transaction from the sender to the receiver is detected. Transaction parameters of the at least one subsequent transaction is compared with transaction parameters of the first transaction for determining that the first transaction and the at least one subsequent transaction are associated with a single payment. One or more messages are transmitted, when one of the first transaction and the at least one subsequent transaction is identified as successful to indicate that one of the first transaction and the at least one subsequent transaction is successful and to discard other transactions.

Abstract: Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences.

Abstract: Systems, computer program products, and methods are described herein for combined processing of disparate resource types. The present disclosure is configured to receive user resource account data for one or more disparate accounts; generate a consolidated resource accrual account for the one or more disparate accounts; calculate a conversion rate of resource denominations for each of the one or more disparate accounts to a common resource point value; generate a total resource point value for the one or more disparate accounts; transmit instructions to user device to display an account landing page including the total resource point value; update the account landing page based on additional user resource account data; organize user resource account data and additional user resource account data based on disparate account source; and display an itemized resource point value breakdown via the account landing page.

Abstract: A method may include receiving, using a processing unit at a service endpoint, from a first computing device a request to initiate a transfer from a first account to a second account, the request identifying a transfer amount; determining, using the processing unit, that the transfer amount exceeds a stored threshold transfer limit; receiving an identifier associated with the second account; subsequent to the determining, receiving, using the processing unit, an indication that a geographic location override action has been completed between the first computing device and a second computing device, the second computing device stored as associated with the second account; and in response to receiving the indication, increasing the threshold transfer limit between the first computing device and second computing device for a period of time and authorizing the transfer.

Abstract: A method and apparatus for authenticating a user commerce account associated with a merchant of a commerce platform are described. The method may include initiating authentication of the user commerce account associated with the merchant of the commerce platform from a commerce platform user interface of a user device, the user commerce account established for a user of the merchant. The method may also include sending an electronic message to a mobile device associated with the user account at the commerce platform, wherein the electronic message comprises an authentication code, and receiving the authentication code from the commerce platform user interface. Furthermore, the method may include generating an authentication key for the mobile device in response to matching the received authentication code with the sent authentication code and receiving a cookie provided from the commerce platform to the mobile device.

Abstract: Systems and methods for managing escrow for peer-to-peer transactions are disclosed. A method may include: receiving, at a payment agreement computer program executed by a backend and from a buyer computer program, a selection of a payment agreement option for a purchase involving a good from a seller; receiving, by the payment agreement computer program and from the buyer computer program, a transaction amount and a seller account identifier; transferring, by the payment agreement computer program, the transaction amount from a buyer account to an escrow account; notifying, by the payment agreement computer program, a seller computer program for the seller that the transaction amount is in the escrow account; receiving, by the payment agreement computer program and from the seller computer program, verification that the transaction amount is correct; and transferring, by the payment agreement computer program, the transaction amount from the escrow account to a seller account.

Abstract: A computer-implemented method including receiving a request to facilitate a transfer of funds from a sender account of a sender at a sender financial institution to a recipient account of a recipient at a recipient financial institution. The request can include a public identifier for the recipient but not include an account number of the recipient account at the recipient financial institution. The method also can include determining, using an information directory, a private token for the recipient account based on the public identifier. The method additionally can include transmitting the private token of the recipient account to enable the transfer of the funds from the sender account to the recipient account. Other embodiments are disclosed.

Abstract: An image of a check that is in the field of view of a camera is monitored prior to the image of the check being captured. The camera is associated with a mobile device. When the image of the check in the field of view passes monitoring criteria, an image may be taken by the camera and provided from the mobile device to a financial institution. The image capture may be performed automatically as soon as the image of the check is determined to pass the monitoring criteria. The check may be deposited in a user's bank account based on the image. Any technique for sending the image to the financial institution may be used. Feedback may be provided to the user of the camera regarding the image of the check in the field of view.

Abstract: A distributed system using a decentralized ledger and method for generating, transferring, and redeeming fractionalized interests in digital assets such as fungible tokens.

Abstract: A provider computing system associated with a provider institution includes a network interface configured to communicate data over a network, and a processing circuit. The processing circuit is configured to receive, by the network interface, image data from a user computing device associated with a user, the image data pertaining to a bill of a user issued by a payee, scan the user computing device for tokens, transform the image data from a non-standardized format into computer-readable data, extract a data structure from the computer-readable data based on identified data from the bill of the user, identify the payee from the payee database based on determining a match level meets a threshold, and add the payee to an account of the user to enable authorization of a payment to the payee via the user computing device.