Abstract: A transportation controller (TC) computing system for monitoring a user computing device location and triggering location-based events using geo-fencing is provided. The TC computing system includes at least one TC computing device configured to register a customer with a transportation controller (TC) service using registration data received from a user computing device associated with the customer. The TC computing device is also configured to receive, in response to the user computing device detecting a first geo-fence, first travel data associated with a trip of the customer. The TC computing device is further configured to validate the trip using the first travel data, receive, in response to the user computing device detecting a second geo-fence, second travel data associated with the trip of the customer, and determine a first transaction amount for the trip based on the first travel data and the second travel data.

Abstract: A computer-implemented method for aiding a caregiver in monitoring the needs of a person includes monitoring a plurality of transaction parameters of the person and determining if at least one of the plurality of transaction parameters being monitored satisfies a transaction parameter alert criterion. In response to at least one of the transaction parameters satisfying the transaction parameter alert criterion, a first need of the person is determined. Further, a service provider database is queried to retrieve a first service provider record having a service provider description associated with the first need of the person. A referral message identifying the service provider associated with the first service provider record is transmitted to the caregiver.

Abstract: Methods and systems for facilitating transactions by disabled cardholders are provided herein. In particular, a method is provided for performing a transaction using a disability-friendly geolocation payment system that includes a payment application with a disability functionality, which may be activated so as to provide auditory instructions and/or enlarged text instructions to a disabled cardholder.

Abstract: Methods and systems for facilitating transactions by visually-impaired cardholders are provided herein. In particular, a method for performing a transaction using a visually-impaired payment system is provided that includes a payment application with a visually-impaired functionality, which may be activated so as to provide auditory instructions and/or enlarged text instructions to a visually-impaired cardholder.

Abstract: A token management computing system for provisioning a payment token to a token storage device for a payment transaction is provided. The token management computing system includes a user computing device in communication with the token storage device and a token management server that includes at least one processor communicatively coupled to a memory device. The at least one processor is programmed to (i) receive, from the user computing device, a token request for a payment token, the request including a payment account number (PAN) selected from a digital wallet stored on the user computing device, and at least one token control, (ii) store token information including the PAN and the at least one token control, (iii) generate a single-use payment token, (iv) transmit the token to the user computing device, and (v) instruct the user computing device to transfer the token to the token storage device.

Abstract: A computing device for securely transacting over a landline is provided. The computing device is configured to receive, through a landline, from a merchant in response to a transaction request by a user, a merchant identification message including a merchant identifier, extract the merchant identifier from the merchant identification message, query a database of merchant data including a plurality of merchants and a plurality of merchant identifiers, identify, in response to the query, the merchant by matching the extracted merchant identifier against the plurality of merchant identifiers in the database, retrieve, in response to successfully identifying the merchant, a token associated with a PAN of the user, generate a token message including the token, transmit the token message to the merchant through the landline, and receive, from a payment processor, a confirmation message indicating a payment using the PAN was made in response to the merchant receiving the token.

Abstract: A system and computer-implemented method includes the operation of detecting, by a payment-on-delivery device, a carrier mobile computing device of a package carrier. The payment-on-delivery device establishes a communications link with the carrier mobile computing device. The payment-on-delivery device receives a carrier mobile device identifier from the carrier mobile computing device. In addition, the payment-on-delivery device presents an access code to the package carrier for actuating the electronic lock to unlock an access point to a delivery location. The payment-on-delivery device then obtains a location of the carrier mobile computing device from a location service associated with the carrier mobile computing device using the carrier mobile device identifier. Furthermore, the payment-on-delivery device transmits a “lock” command to the electronic lock for actuating the electronic lock to lock the access point based on the location of the carrier mobile computing device.

Abstract: A delivery service (DS) computing device for item purchase and delivery is provided. The DS computing device displays a searchable interface that enables a user to select at least one merchant. The DS computing device receives at least one selected merchant location from the user, displays item data of the at least one selected merchant location, and receives cart data from the user. The DS computing device receives, from the user, a selection of a selected carrier, and transmits the cart data to the selected carrier. The DS computing device generates a secure virtual account number for the selected carrier. The secure virtual account number provides access to purchase funds for use, by the selected carrier, in purchasing the selected item. The DS computing device processes a payment transaction for the at least one selected item that includes the purchase funds and a delivery service fee.

Abstract: A system and computer-implemented method includes the operation of detecting, by a payment-on-delivery device, a carrier mobile computing device of a package carrier. The payment-on-delivery device establishes a communications link with the carrier mobile computing device. The payment-on-delivery device receives a carrier mobile device identifier from the carrier mobile computing device. In addition, the payment-on-delivery device presents an access code to the package carrier for actuating the electronic lock to unlock an access point to a delivery location. The payment-on-delivery device then obtains a location of the carrier mobile computing device from a location service associated with the carrier mobile computing device using the carrier mobile device identifier. Furthermore, the payment-on-delivery device transmits a “lock” command to the electronic lock for actuating the electronic lock to lock the access point based on the location of the carrier mobile computing device.

Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmit the renewal package to a sponsoring authority computing device.

Abstract: A system and computer-implemented method includes the operation of transmitting, via a payment-on-delivery device, a request message to a consumer computing device. The request message includes a request as to whether a consumer wishes to allow a package carrier to actuate an electronic lock. An indication that the package carrier may actuate the electronic lock is received by the payment-on-delivery device, which in response, presents a message to the package carrier asking whether the package carrier wishes to actuate the electronic lock. The package carrier selects to actuate the electronic lock and is presented with an access code for actuating the electronic lock.

Abstract: An automated identity verification computing device, system and method receives an encrypted renewal request from a user computing device including a biometric value, a digital passport object identifier, and request data. The computing device, system and method retrieves trusted biometric data based on the digital passport object identifier from an identity database, determine a verification score based on the trusted biometric data and the biometric value, and generates a renewal package including the verification score, the digital passport object identifier, and the request data. The computing device, system and method transmits the renewal package to a sponsoring authority computing device.

Abstract: A 3D interface generator computing device (“3D device”) is provided. The 3D device includes at least one sensor, a projector, and a memory that stores (i) a 3D image including 3D elements, (ii) identification for individuals, each associated with an element, and (iii) list data associated with an individual and purchase options. The 3D device includes at least one processor coupled to the memory, the projector, and the sensor. The processor is configured to project the 3D image into a real-world space. The 3D device also receives a first interaction with a 3D element, retrieves the individual associated with the 3D element and a set of list data associated with the individual. The 3D device overlays purchase option images onto the 3D image, each representing an option in the list data, receives a second interaction with a purchase option image, and generates a purchase transaction request for the purchase option.

Abstract: A power calculating (PC) computing device including a processor and a memory in communication with the processor, the processor programmed to retrieve power supply data from a renewable energy device, wherein the power supply data includes at least one measurement associated with renewable power generation, retrieve power status data from an accumulator, retrieve power demand data from a power monitor device associated with an electrical device, retrieve utility status data from a utility data provider, generate aggregate power data based on the power supply data, the power status data, and the power demand data, and calculate a power cost metric based on the aggregate power data and the utility status data.

Abstract: Methods and systems for hearing-impaired payment applications are provided herein. In particular, a method for performing a transaction using a hearing device payment system is provided that includes a hearing device and a cardholder computing device. The method includes pairing the hearing device to the cardholder computing device by means of a wireless communication protocol. A payment application on the cardholder computing device is started to perform a transaction. A cardholder initiates an audible instruction function of the payment application. In addition, the payment application transmits a digital audio signal to the hearing device by means of the wireless communication protocol. The digital audio signal provides an audible instruction to the cardholder via the hearing device.

Abstract: A secure delivery system for securely delivering an article between a sender and a recipient. The secure delivery system includes a repository comprising a housing presenting an interior space and configured to securely hold articles. The system additionally includes a hatch integrated with the repository and configured to provide selective access to the interior space of the repository. A user interface is associated with the hatch and is configured to receive instructions to permit opening of the hatch to provide access to the interior space of the repository. The system additionally includes a communications element configured to a transmit a delivery notification to the recipient. The system further includes an autonomous courier device configured to transport the articles from a geographic location remote from the repository to a geographic location of the repository.

Abstract: A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.

Abstract: A driver scoring (DS) computing device for scoring driving activity for a driver in real-time is provided. The DS computing device includes at least one processor in communication with at least one memory, the at least one processor configured to: (i) receive sensor data about a driver in a vehicle; (ii) determine, from the sensor data, a driver activity including at least a duration for the activity; (iii) calculate a score for the determined activity, wherein the score depends on at least one of a type of activity and the duration of the activity; (iv) retrieve a driver profile associated with the driver from the at least one memory, the driver profile including at least one of user input preferences and a history of payment transactions; and (v) generate at least one merchant incentive based on the score and the driver profile.

Abstract: A secondary authentication system and computer-implemented method for obtaining real-time cardholder authentication of a payment transaction associated with a cardholder's payment card includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive a payment authorization request message including a primary account number corresponding to a payment account of the cardholder for funding the payment transaction. In addition, the processor is programmed to determine whether the payment account requires secondary authentication by the cardholder for the payment transaction, and if, based on the determination, the payment account requires secondary authentication of the payment transaction, place the payment transaction on hold.

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.