Abstract: A method for on-behalf ATM processing via blockchain includes: receiving, by a receiver of an automated teller machine (ATM), a transaction identifier; receiving, by an input device interfaced with the ATM, a withdrawal amount; identifying, by the ATM, a blockchain transaction in one of a plurality of blocks comprising a blockchain, wherein the blockchain transaction includes at least the transaction identifier and a current balance; and processing, by the ATM, withdrawal of the withdrawal amount based on the current balance, where processing includes dispensing, by a dispenser interfaced with the ATM, currency equivalent to the withdrawal amount if the withdrawal amount is less than or equal to the current balance or displaying, by a display device interfaced with the ATM, a message indicating an insufficient balance if the withdrawal amount is greater than the current balance.

Abstract: A method for secure usage of a gift card via blockchain includes: storing a blockchain including a specific data value related to a gift card that includes a gift card number and a first recipient address; receiving a transfer request including the gift card number, a first digital signature, and a device identifier; verifying the first recipient address based on the first digital signature; generating a new data value comprising the gift card number, the device identifier, and a second recipient address; transmitting the generated new data value to a node associated with the blockchain; receiving a redemption request from a second computing system including the gift card number, a second digital signature, and a submitted device identifier; verifying the second recipient address and submit device identifier based on the second digital signature and the device identifier, respectively; and transmitting a result of the verification to the second computing system.

Abstract: A method for transaction authorization includes generation of a master authentication code based on an authorization request for a transaction by a server. The transaction is initiated by a user by way of a transaction application installed on a user-computing device. The server splits the master authentication code into a first authentication code and a second authentication code. The first authentication code is communicated to the transaction application and the second authentication code is communicated to the user by the server. The transaction application generates a response code based on the first authentication code and the second authentication code. The server receives the response code from the transaction application and processes the transaction based on a match between the response code and the master authentication code.

Abstract: A computer system for incentivizing a user for payment card usage, includes a memory device configured to store machine-readable instructions and a processor operably connected with the memory device. The processor obtains the machine-readable instructions from the memory device, and is configured by the machine-readable instructions to receive merchant transaction data pertaining to a merchant, determine a first variable from the merchant transaction data, receive user transaction data pertaining to a customer of the merchant, the customer being a user of a payment card, the user transaction data having a card component and a cash component, determine a second variable associated with the card component, from the user transaction data, determine a third variable associated with the cash component, from the user transaction data, and provide one or more rule based incentives to the customer, on a basis of the second variable and the third variable.

Abstract: According to a first aspect, there is provided a digital wallet storage facilitator comprising: at least one processor; at least one memory including computer program code; an input port coupled to the processor; and an output port coupled to the processor; the at least one memory and the computer program code configured to, with the at least one processor, cause the digital wallet storage facilitator at least to: receive, through the input port, a request from a digital wallet application to store a virtual card account number, the virtual card account number being generated from an originating account number to which the virtual card account number is linked; identify an issuer of the originating account number; transmit, through the output port, a query to the issuer to verify the linkage of the virtual card account number to the originating account number; acquire, through the input port, a verification result from the issuer; and convey, through the output port, the verification result to the digital wal

Abstract: A method for authenticating a user includes receiving an authorization request for a transaction from an account. A plurality of authentication questions each having a corresponding correct answer are associated with the account. A first set of authentication questions of the plurality of authentication questions is transmitted to a communication device by way of an interactive voice response (IVR) call. A first set of user-generated answers corresponding to the first set of authentication questions is received from the communication device. The method further includes determining whether the user is an account holder of the account based on at least the first set of user-generated answers. The transaction is processed based on the determination that the user is the account holder of the account, thereby authenticating the user.

Abstract: A method for an offline data exchange for an electronic transaction includes: storing, in a memory of a computing device, at least an available balance and an account identifier; receiving, by an input device of the computing device, a user instruction including at least a transaction amount less than or equal to the available balance; establishing, by a communication interface of the computing device, a communication channel with a point of sale device using a first communication method; receiving, by a receiving device of the computing device, a merchant identifier using the first communication method; generating, by a generation module of the computing device, a data message including at least the transaction amount, the account identifier, and the merchant identifier; and electronically transmitting, by a transmitting device of the computing device, the generated data message to an external computing system using a second communication method.

Abstract: A method for managing a network connected appliance, the method including, in one or more electronic processing devices: (a) determining status information associated with the appliance; (b) determining a goods/service requirement for the appliance in accordance with the status information; and, (c) causing the required goods/service to be purchased from a merchant via a payment system.

Abstract: A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.

Abstract: The present disclosure generally relates to an electronic system and method for management of cash in automated teller machines (ATMs). The system comprises a server operative within a financial network, the server including a processor and a memory configured to store computer-readable instructions. When the instructions are executed, the processor performs steps of the method, comprising: obtaining location data and historical data on cash withdrawals of each ATM of the financial network; identifying a group of ATMs within a predefined zone based on the location data; calculating an expected combined cash withdrawal amount of the group of ATMs for a subsequent time period based on the cash withdrawals historical data; and computing cash replenishment details for a subset of the group of ATMs based on the expected combined cash withdrawal amount, wherein the cash replenishment details aims to maintain a positive cash balance in the subset of ATMs during the subsequent time period.

Abstract: Disclosed is a machine for redeeming an entitlement that includes an interface for receiving user data including payment vehicle data. In an embodiment, a payment vehicle reader reads payment vehicle data from a payment vehicle, and an input device receives an input of at least one additional identifier. The machine also includes a communication module in communication with a processor. The processor receives account data associated with the user, wherein the account data includes one or more entitlements representing an award. The interface is configured to receive a selection of at least one entitlement, and the machine also includes a cash dispensing device for dispensing cash when a selected entitlement is an amount of cash.

Abstract: A system and a method for optimizing supply of rental vehicles, comprising receiving customer data associated with a plurality of customers from a plurality of sources; classifying the customers into a plurality of segments, based on said data, each segment being indicative of vehicle rental preferences of customers in the segment; determining whether any customers have already opted for a vehicle rental; determining the destination and source location of the customer and predicting likely vehicle demand for different vehicles based on said classification and said determination.

Abstract: When a consumer makes a purchase at a retail location, a communication device associated with the consumer receives information specifying the type of product purchased. This may be done by the consumer entering the information manually, by the communication device receiving a data file over an interface, or by a camera of the communication device capturing a picture of a receipt. The information may be, or may be converted into, stock-keeping unit (SKU) data. The data can be analyzed to derive consumer spending patterns and to suggest product offers to the consumer.

Abstract: A method for changing an amount of a first denomination at an Automated Teller Machine (ATM) includes the steps of authenticating a user based on identification data received from the user at the ATM; receiving, at the ATM, an item in the first denomination when the user is authenticated; determining, at the ATM, the amount of the item received in the first denomination; and determining, at the ATM, at least one second denomination that relates to the determined amount. The at least one second denomination is different from the first denomination. At the ATM, the determined amount of the received item is dispensed in the at least one second denomination.

Abstract: A method for managing payment vehicle data based on location information is provided. The method includes receiving at least one payment vehicle attribute of at least one payment vehicle, receiving location information specifying a geographical location for use of the at least one payment vehicle, retrieving payment vehicle data from one or more databases based on the at least one payment vehicle attribute, filtering the payment vehicle data using the location information, to exclude data that is not applicable to the geographical location, and displaying the filtered payment vehicle data to the user.

Abstract: Disclosed is a machine for dispensing cash. The machine comprises an interface for receiving user data, the user data comprising payment vehicle data. The interface includes a payment vehicle reader for reading the payment vehicle data from a payment vehicle of a user and an input device for receiving an input of at least one additional identifier, the user data comprising the at least one additional identifier if the at least one additional identifier is inputted. The machine further comprises a communication module in communication with a processor, for sending the user data to the processor and receiving, from the processor, account data of an account associated with the user, the account being identifiable using the user data, the account data comprising one or more entitlements, each entitlement representing an award to which the user is entitled, wherein the interface is configured to receive a selection of at least one entitlement of the one or more entitlements.

Abstract: A computer implemented method of processing a mobile payment transaction is disclosed. The method comprises: receiving a mobile payment authorization request, the mobile payment authorization request indicating authentication information and an identifier of a payment card associated with the transaction, the authentication information comprising a device identifier of a payer device; comparing authentication information with stored authentication information associated with the payment card; and generating an authorization message for the mobile payment if the authentication information matches the stored authentication information associated with the payment card.

Abstract: A method is disclosed for performance by at least one server, for securing an electronic transaction request from a computing device for fraud detection. The request is received as a data packet comprising at least identification data of a payment card associated with the transaction and a MAC address of the computing device, is disclosed. The method comprises the server comparing the MAC address with at least a first list of MAC addresses to obtain a first determination; the server using the identification data to obtain at least one second determination; and the server transmitting a response to the computing device to accept or decline the request based on the first determination and the at least one second determination. A related computing device and server are also disclosed.

Abstract: A financial transaction system has a processing unit, a database unit and input-output interface. The system receives data from a mobile input-output device operated by a traffic law enforcement officer. That received data comprises data about a driver's licence which is linked (within the system) with a payment card. The system processes the input data so that financial penalties imposed for traffic violations are charged against the linked payment card.