Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.

Abstract: A distributed system includes a lending device that is configured to receive, from a user device, a real-time request for a loan associated with a service, where the request specifies at least an identifier of the user device and a specific amount of funds; determine, based at least on the specific amount of funds for the loan and on the identifier of the user device, to provide the loan to the user device; generate a digital token associated with the loan, where the digital token specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with a service device; and provide, the user device and/or the service device, the digital token associated with the loan, where the digital token is redeemable by the payee associated with the service device for the approved amount of funds.

Abstract: Various examples are directed to systems and methods for processing offline payments from a mobile wallet. A computing system may receive, from a financial institution system, an authentication request message comprising a first offline token. The computing system may determine that the mobile wallet application is not online and determine that the first offline toke comprises first offline token data that matches the first offline token reference data. The computing system may send to the financial institution system a first authentication message indicating that the first offline token is associated with the mobile wallet application.

Abstract: Methods and systems for augmenting smart card functionality using a companion mobile wallet are disclosed. The mobile wallet can establish communication with the companion smart card which can determine that the mobile wallet and the smart card are companions. The mobile wallet can send supplemental data to the companion smart card to augment the functionality of the smart card. The smart card can establish communication between with a POS device and send the supplemental data to the POS device. The mobile wallet, smart card and POS device can communicate with one another in an online mode or using batch processing.

Abstract: Apparatuses, methods, and computer program products are provided for improved model compliance. An example method includes receiving a product model that is generated from user data associated with a plurality of users and receiving a first regulation offending model that is non-compliant with respect to a first regulatory factor. The method also includes analyzing the product model with the first regulation offending model and generating a first regulation compliance score for the product model with respect to the first regulatory factor. The method further includes determining whether the first regulation compliance score satisfies a first regulatory factor threshold. In an instance in which the first regulation compliance score fails to satisfy the first regulatory factor threshold, the method includes generating a first violation notification or modify the product model.

Abstract: Systems and methods that facilitate a mobile wallet splitting payments to an invoice between multiple payment accounts are disclosed herein. The mobile wallet can receive an invoice, and then select a set of payment accounts to each pay a portion of the invoice. The mobile wallet can send the payment information to a point of sale device, indicating that the payment include multiple payments from different payment accounts. The point of sale device can then process the multiple payments, either sequentially, or in parallel. In an embodiment, the mobile wallet can receive partial payments from other mobile wallets for the invoice, collect the payments together, and send the payment information at once to the point of sale device for the set of mobile wallets.

Abstract: Disclosed in some examples are devices, systems, and machine readable mediums for establishing peer to peer mobile wallet communications (P2PMW) over short range wireless communication networks. These P2PMW communications allow exchange of information between two wallet clients. Example communications include payments, providing identification, providing loans, and the like. The use of P2PMW communications opens up the prospect of anyone accepting payment from anybody else at any time. All that is needed is a computing device with a mobile wallet. Example short range wireless communications include Wireless LANs (WLAN) such as WIFI (e.g., communicating according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 family of standards), BLUETOOTH® or the like.

Abstract: Systems and methods may generally be used to authenticate a user. An example method may include capturing an image of a portion of a face of a user, retrieving, based on identification information, a registered model of the face from a database, and comparing the portion of the face in the captured image to a facial feature of the registered model. In response to determining that the portion of the captured image matches the facial feature of the registered model, the method may include granting access to secure content.

Abstract: Systems, methods, and computer-readable media for matching a job to a plurality of workers are described herein. A user device is associated with a worker from the plurality of workers. A processing circuit is structured to receive an electronic request. The electronic request comprises a data set related to the job. The processing circuit is further structured to generate a local disaster data set and a test requirement data set. The processing circuit is further structured to select at least one worker. The processing circuit is further structured to cause a client application deployed to the user device to display an electronic notification comprising at least in part the data set related to the job, a risk level rating, a risk level pay premium corresponding to the risk level rating, and an accept control structured to allow the worker to accept the job.

Abstract: Various examples are directed to systems and methods for processing offline payments from a mobile wallet. A computing system may receive, from a financial institution system, an authentication request message comprising a first offline token. The computing system may determine that the mobile wallet application is not online and determine that the first offline toke comprises first offline token data that matches the first offline token reference data. The computing system may send to the financial institution system a first authentication message indicating that the first offline token is associated with the mobile wallet application.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums which provide a store credit issued electronically to a mobile wallet application from a merchant. This credit may be issued to a mobile wallet in the form of an enhanced wallet payment element. This enhanced wallet payment element may include the terms and conditions (e.g., repayment terms) of the credit (e.g., a digital/smart contract). The customer may accept or reject these terms. For example, when the customer accepts the terms, the enhanced wallet payment element digitally signs the agreement and indicates acceptance to the merchant mobile wallet system (e.g., sends the digital signature to the merchant). Once accepted, the enhanced wallet payment element may be utilized to pay for goods or services subject to the terms and conditions.

Abstract: Methods and systems for augmenting smart card functionality using a companion mobile wallet are disclosed. The mobile wallet can establish communication with the companion smart card which can determine that the mobile wallet and the smart card are companions. The mobile wallet can send supplemental data to the companion smart card to augment the functionality of the smart card. The smart card can establish communication between with a POS device and send the supplemental data to the POS device. The mobile wallet, smart card and POS device can communicate with one another in an on-line mode or using batch processing.

Abstract: Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.

Abstract: A distributed computing system facilitates automatic loan agreements between syndicate participants. The system includes a blockchain comprising circuitry embodying a plurality of blockchain services. A membership service registers participants to the syndicate, generates a unique identifier for each of the participants, and verifies that a respective entity is a node on the blockchain. An oracle service retrievably stores loan terms templates provided by the participants via a centrally managed entity. A smart contracts service receives financial and/or geo-location data associated with the plurality of syndicate participants. A predictive analytics service uses the data to determine whether a first syndicate participant has an excess of funds and whether a second syndicate participant has a lack of funds. A loan service automatically facilitates a loan agreement between the first participant and the second participant.

Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change. Example embodiments provide for establishing a plurality of connection channels associated with a plurality of user data objects, where each of the plurality of connection channels enables access to functionality associated with a shared electronic data object via one of a plurality of computing devices, detecting, for a first user data object of the plurality of user data objects, a connection channel change associated with a first connection channel corresponding to a first computing device, and updating the functionality associated with the shared electronic data object for at least one of the plurality of connection channels based on the connection channel change.

Abstract: Methods, apparatuses, and computer program products are disclosed for currency control. An example computer-implemented method includes receiving physical currency data associated with one or more physical currency notes and generating digital currency data based upon the physical currency data. The digital currency data includes a digital representation of the physical currency notes. The computer-implemented method further includes determining one or more selected physical currency notes for destruction based upon the digital currency data and may include querying a currency attribute database that includes one or more currency attributes associated with the physical currency notes. The computer-implemented method also includes causing destruction of the selected physical currency notes. In response to causing destruction of the selected physical currency notes, the computer-implemented method includes modifying the currency attribute database.

Abstract: Systems and methods that facilitate a mobile wallet splitting payments to an invoice between multiple payment accounts are disclosed herein. The mobile wallet can receive an invoice, and then select a set of payment accounts to each pay a portion of the invoice. The mobile wallet can send the payment information to a point of sale device, indicating that the payment include multiple payments from different payment accounts. The point of sale device can then process the multiple payments, either sequentially, or in parallel. In an embodiment, the mobile wallet can receive partial payments from other mobile wallets for the invoice, collect the payments together, and send the payment information at once to the point of sale device for the set of mobile wallets.

Abstract: Systems, methods, and computer-readable storage media utilized for authenticating and authorizing payments. One method includes receiving one or more biometrics and authenticating the one or more biometrics of the customer based on accessing a customer authentication database and comparing the one or more biometrics to one or more stored authentication templates. The method further includes receiving context information gathered by the POS device, wherein the context information includes a plurality of context elements that describe a context of the transaction and selecting a customer payment profile from a plurality of customer payment profiles identified by the one or more biometrics of the customer. The method further includes authorizing the payment for the transaction from a payment account associated with the selected customer payment profile and sending, to the POS device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.

Abstract: An example method includes, responsive to receipt of a task request to perform a task (e.g., associated with a service), and further responsive to generation of an avatar instance from an avatar object representing at least one device having a defined group of capabilities, selecting devices (e.g., service providers providing microservices) to perform sub-tasks associated with the task, wherein each of the devices has at least one defined capability, and wherein the task request includes parameter values, and sending, to the devices, at least one sub-task request to perform the sub-tasks, the at least one sub-task request including at least one parameter value, responsive to sending the at least one sub-task request, receiving, from the devices, sub-task replies associated with performance of the sub-tasks, and sending, based on the sub-task replies, a task reply associated with performance of the task. The example method may support autonomous or semi-autonomous configurations.

Abstract: Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change.