Abstract: Embodiments provide electronic methods and systems for performing recurring payments to the merchants. The method performed by an aggregator server includes receiving a standing instruction (SI) request including a plurality of unique data fields from an acquirer server. The unique data fields represent setting up of a recurring payment transaction from a payment instrument of a user to a merchant account of the merchant. The method includes generating and storing a unique identifier corresponding to the SI request. The method includes transmitting the SI request along with the unique identifier to an issuer server associated with the payment instrument to authorize the SI request for processing the recurring payment. The method further includes receiving an authorization response message in response to successful authorization of SI request by issuer server.

Abstract: Media, method and system for scheduling trips, and particularly for scheduling trip to transport vehicles from a pick-up location to a drop-off location. To accomplish this, interfaces are provided for describing the desired starting and ending locations for vehicles and automatically allocating drivers to vehicles for each segment of a desired trip and assigning any necessary tasks to the drivers to complete for each waypoint of the trip. Additionally, any other requirements for transporting the vehicles, such as insurance and temporary license plates, can automatically be provided for.

Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: A system for the detection of money laundering activities involving casino slot machines and Video Lottery Terminals (collectively “VLTs/Slot Machines”) using flash memory cards inserted individually at each participating VLT/Slot Machine. The flash memory deploys individual copies of security software that monitors cash in/plays/and cash out on all connected VLTs/Slot Machines. The security software contains an artificial intelligence module that flags “suspicious activity” at all connected VLTs/Slot Machines and keeps an audit trail. The security software will disable/track TITO serial numbers/barcodes of all TITOs printed from VLTs in “silent alarm mode”. TITO serial numbers/barcodes printed in “alarm mode” need to be redeemed at the cashier's cage and will not work in an automated redemption kiosk or Ticket Redemption Unit, and the cashiers are forewarned to require positive identification and complete a Suspicious Activity Report (SARC).

Abstract: A computing system for validating repeating data is described. The computing system includes at least one computing device including at least one processor communicatively coupled to a database. The at least one processor is programmed to receive a first instance of data, the first instance of data including first repeating data elements, and store, in the database, the first repeating data elements. The at least one processor is also programmed to receive a second instance of data, the second instance of data including second repeating data elements, determine the second instance of data includes the second repeating data elements, and compare the second repeating data elements to the first repeating data elements. The at least one processor is further programmed to determine the second repeating data elements are inconsistent with the first repeating data elements and transmit a signal associated with the second repeating data elements.

Abstract: Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes receiving, by a financial institution computing system associated with the financial institution, a request from an adult computing device associated with the adult to open the account; remotely verifying, by a verification circuit, an identity of the adult based on received information regarding the adult; receiving, by the financial institution computing system, information relating to the minor from a minor computing device associated with the minor; remotely verifying, by the verification circuit, the identity of the minor based on the received information relating to the minor; and opening, by an account opening circuit associated with the financial institution computing system, an account on behalf of the minor.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.

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 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 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 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: 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: 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.