Abstract: The disclosed computer-implemented method for proactive call spam/scam protection may include intercepting network traffic by the at least one processor employing a network extension feature of an operating system of a computing device. The method may additionally include capturing, by the at least one processor employing the network extension feature, a phone number in the network traffic. The method may also include comparing, by the at least one processor employing the network extension feature, the phone number to a plurality of entries in a spam/scam repository. The method may further include performing, by the at least one processor, a security action in response to the comparison. Various other methods, systems, and computer-readable media are also disclosed.

Abstract: A system and computer-implemented method for authenticating digital transactions. The method includes receiving a device registration request and a device attestation response including at least a device integrity status from a device. In response to the device registration request, the method includes providing a device registration response to the device, based on validation of the device integrity status. Further, the method includes receiving a first payment transaction request and an enrolment request from the device via an application to authenticate a second payment transaction request using a first type of authentication technique. Finally, the method includes enrolling the device to the first type of authentication technique and providing a second token to the device based on a result of the first payment transaction request, wherein the second token is used for authenticating the second payment transaction request.

Abstract: Various examples are directed to systems and methods for detecting fraud. A financial institution system may receive, from a transaction device, a transaction authorization request describing a transaction to be drawn on an account of a user. The financial institution system may also receive, from the user computing device, environmental data describing an environment of the user and determine that the environmental data indicates an anomalous condition. Based at least in part on the determining, the financial institution system may decline the transaction.

Abstract: Unmanned vehicles may be used to survey a property in response to or in anticipation of damage to the property. For example, an unmanned vehicle may use one or more sensors to determine damage to the property. Unmanned vehicles can be terrestrial, aerial, nautical, or multi-mode.

Abstract: Disclosed herein is a customized recommendation system for home assessment, in which the system comprises at least one or more databases, a computing device, and a device comprising hardware, including a processor and memory. The server device may receive a request for information on a home of a user from the computing device. The server device may identify publicly available information for the home and customer information comprising information about one or more features of the home and materials used in the home by parsing the one or more databases. By further analyzing the customer information and the publicly available information, the server device may determine one or more tips for the home and generate a customized recommendation including the one or more tips for the home. The server device may transmit the customized recommendation to the computing device associated with the user.

Abstract: Methods, computer-readable media, systems and apparatuses for determining and implementing dynamic usage-based insurance policies are presented. A cost per day and a cost per mile associated with the dynamic usage-based insurance policy may be determined. The cost per mile may be computed independently for each of a plurality of road segments comprising a trip based on a time of day that the vehicle traveled each road segment, a road type associated with each road segment. The cost per mile of each road segment of the driving trip may further include whether or not hard braking or hard cornering events were encountered during a specified cumulative driving distance that may include, at least a portion, of a plurality of driving trips. The cost per mile for each of the plurality of driving trips may be adjusted once a threshold distance has been traveled by the vehicle based on the number of hard braking events and hard cornering events occurred during that distance.

Abstract: An example method for implementing a charitable giving experience can include: receiving a scanned image of a logo of a charity at an augmented reality (AR) electronic device, the logo including a graphic associated with the charity; after receiving the scanned image, displaying at least the logo and details related to the charity on the AR electronic device; displaying a control on the AR electronic device, wherein the control corresponds to one or more charitable giving opportunities associated with the charity; receiving a selection of the control on the AR electronic device; and initiating a charitable giving to the charity from the AR electronic device.

Abstract: In one embodiment, a method enrolling, by a payment service system and in a data store maintained by the payment service system, a payment service account associated with a payee for a direct payout program for transactions associated with a transaction facilitation service between a plurality of payers and the payee in response to requests associated with the transaction facilitation service. The method includes receiving a transaction request for a payment associated with a transaction between a payer and the payee. The method includes identifying a financial account of the payee based on retrieving an association of the payment service account with the payee identifier and the financial account. The method includes causing a transfer of a first amount of funds to the financial account and a second amount to the transaction facilitation service. The first amount of funds and the second amount of funds correspond to the transaction amount.

Abstract: A computing system may be configured to determine payment details for funds transfers from unstructured sets of data. The system may maintain historical transaction information associated with each of a plurality of users. The system may receive data associated with a transaction. The system may identify a user associated with the data, wherein the user is one of the plurality of users. The system may determine, based on contextual information of the data and the historical transaction information associated with the user, payment details about the transaction. The payment details may include a payment amount and one or more recipients. The system may execute a funds transfer for the payment amount from a source account associated with the user to one or more destination accounts associated with the one or more recipients.

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: A system and method for payment of services, especially health care services, at fixed prices allows a user to purchase a service card that is accepted by a service provider for full payment of a service. A card manager holds funds from the sale of the card and releases the funds to a service provider when documentation that the service has been provided is received.

Abstract: A financial system receives a transaction request and transmits a one-time passcode to a consumer associated with the transaction request. Transmission of the one-time passcode is typically via a first channel. If the system determines that the one-time passcode was not delivered, a second channel is utilized. Depending upon the success of delivering the one-time passcode, more than one type of communication channel can be used.

Abstract: Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.

Abstract: Embodiments of the application are directed toward a method comprising: receiving, by a transaction management computing apparatus, an electronic payment estimate via a secure communication channel for services rendered by a provider; receiving determining a likelihood of payment acceptance by generating, by the transaction management computing apparatus, an payment amount acceptable to the provider computing device based on data associated with the provider computing device, a type of service provided, or a number of days to make the payment; determining, by the transaction management computing apparatus, whether the generated exact amount is acceptable to the provider computing device; and completing, by the transaction management computing apparatus, a payment transaction with the generated exact amount when the generated exact amount is determined to be acceptable to the provider computing device.

Abstract: The present disclosure relates to a system, method, and mobile computing device apparatus for detecting the physical presence of a bank customer at a bank branch, and delivering an enhanced customer service experience by anticipating the bank customer's needs. Detection of the bank customer through visual data such as facial recognition, or electronic data such as medium range electronic communication networks to the customer's mobile computing device, allow a bank to retrieve relevant customer profile and customer transaction history data and use that data to deliver communications to the customer even before the customer speaks to a bank teller.

Abstract: A method of conducting transactions between a customer device and a merchant device is presented. The method entails receiving login information from the customer device at a merchant venue, assigning a ticket to the customer device, receiving, from a merchant device, a predetermined amount of currency associated with the customer device, associating the predetermined amount of currency with the ticket, receiving, from the customer device, an approval to carry out a financial transaction for at least the predetermined amount of currency using a payment card number, and receiving, from a gateway, a notification that the financial transaction is completed using the payment card number.

Abstract: A system for Augmented Reality (AR) document realization receivers a request to transfer an amount of an AR document into account of a receiver. The AR document comprises an AR check. The system fetches a first AR check image from a memory. The system extracts a first set of features from the first AR check image. The system receives a second AR check image from a computing device associated with the receiver. The system extracts a second set of features from the second AR check image. The system compares the first AR check image with the second AR check image. The system determines whether the first AR check image corresponds to the second AR check image. In response to determining that the first AR check image corresponds to the second AR check image, the system transfers the amount into the account of the receiver.

Abstract: A system for subscribing insurance policies from geolocated mobile devices, that uses geolocation to allow customers to select a suitable policy and finalize a purchase thereof, the system enabling selection of a policy from a plurality of policies categorized or automatically suggested according to user preferences, reservation of special contractual conditions, entering of necessary documents from a mobile device, and purchasing of policies online from the mobile device, the system including a mobile application that operates on the mobile device and a central infrastructure that includes user and insurance policy databases, a policy-position element generator, and a generator of insurance proposals, based on machine learning algorithms.