Abstract: Methods and systems are disclosed for processing an electronic document using a document viewer and a mobile wallet. The document viewer may receive an electronic document (e.g., an invoice) from a document sender, the electronic document capable of being printed or viewed on a display of the computing device in human-readable format. The document reviewer may receive a user request to obtain data related to the electronic document (e.g., a. payment token) from the mobile wallet. After receiving the user request, the document viewer may send a data request to the mobile wallet. After sending the data request, the document viewer may receive document-related data (e.g., the payment token) from the mobile wallet and send the document-related data payment token) to the document sender. The document sender (e.g., a merchant) may send the payment token to an issuer for payment processing.

Abstract: The present disclosure provides an inhibitor integrated actuator shift control device capable of controlling a position of a gear shift by improving control performance and durability through position control of a brushless direct current (BLDC) motor by an inductive sensor, forming a metallic uneven portion on an output shaft flange part of a reducer, and detecting a variation amount in induced current due to the metallic uneven portion.

Abstract: Various examples are directed to systems and methods for securely sending and using proxy element in a mobile wallet system. Through a user interface associated with a proxy originator wallet, user input may be received that defines the parameters of the proxy element. The parameters may include one or more of a spending limit, a time duration, a use number condition, and a transfer condition, and a product condition. A request may be sent from the proxy originator wallet to a proxy approver system to create the proxy element. The originator wallet may receive a proxy grant acknowledgement from the proxy approver system. The grant acknowledgement may instructions for obtaining credentials for the proxy element. The proxy element including the parameters and the instructions for obtaining credentials may be sent to a mobile wallet of a recipient. The recipient mobile wallet may use the proxy element for payment or non-payment transactions.

Abstract: A method may include storing, in a storage device of a mobile device, a mobile wallet element, the mobile wallet element including protected information and non-protected information; receiving a request, on the mobile device, to display the mobile wallet element in a protected mode; accessing preferences for displaying the mobile wallet element in the protected mode; and in response to the request: enabling a protected mode display of the mobile wallet element; displaying, on a display device of the mobile device, the non-protected information of the mobile wallet element according to the preferences; and restricting access to the protected information while the protected mode is enabled.

Abstract: Various examples are directed to systems and methods for utilizing purchase incentives in an electronic mobile wallet application. The mobile wallet application may receive a committable coupon data structure comprising terms data describing a purchase incentive and cryptographic verification data. The mobile wallet application may send a request to tokenize the committable coupon data structure to an element management system. The request may include an indication of a payment element associated with the mobile wallet application. The mobile wallet application may receive, from the element management system, a tokenized coupon data structure that comprises at least a portion of the committable coupon data structure and credential data for the payment element.

Abstract: Various examples are directed to computer-implemented systems and methods for providing a pseudonymous browsing mode. A method includes receiving, by a processor of a computer, input from a user requesting a level of anonymity for a session on an application or website, where the level of anonymity is between open browsing and completely incognito browsing. The processor programs an avatar configured to provide the level of anonymity to an identity of the user and data generated by the user based on the received input. The processor uses the avatar to control an amount of data shared by the user with the application or website to provide the level of anonymity to an identity of the user and data generated by the user.

Abstract: Methods and systems for location-based mobile wallets are disclosed. A one-time mobile wallet can be established on a mobile device and associated with a travel itinerary. Device data and external data can be used with the travel itinerary to determine a travel assistance action. The location of the mobile device can be determined using GPS and/or contactless terminal data, for example. Based on the location of the mobile device and the travel itinerary, a travel assistance action can be performed. This can, for example, include presenting wallet elements to a user or automatically initiating a phone call to a service provider listed in the travel itinerary. In this way, travel assistance can vary with the location of the mobile device. After expiration of the duration, the one-time mobile wallet can be disabled.

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 and systems are disclosed for binding a payment element in a mobile wallet operating on a mobile device with a payee. The mobile wallet, can for example, receive an indication from a point of sale (POS) device that a transaction has been completed with a payee associated with the POS device, using a payment element of the mobile wallet. The mobile wallet can query a payment database table with an identifier for the payee and an identifier for the payment element to determine if the payment element has previously been used to complete transactions with the payee. The mobile wallet can bind the payment element to the payee if the payment element has previously been used to complete transactions with the payee and if the payment element is to be bound to the payee. Other systems, methods and apparatuses are also described.

Abstract: Various examples are directed to secure communications for mobile wallet applications. A first mobile wallet application may send a content request describing a first offering to a wallet management system. The first mobile wallet application may receive from the wallet management system first merchant web content describing the first offering. The first merchant web content may be verified by the wallet management system and may comprise first address data describing a first address of a first merchant payment gateway. The first mobile wallet application may send payment data to the first merchant payment gateway at the first address. The payment data may indicate a payment amount for the first offering.

Abstract: Various examples are directed to computer-implemented systems and methods for enhanced security for mobile wallets in multiple devices. The method includes using a wearable computing device to submit an account payment transaction at a point of sale device. The point of sale device sends a transaction request message requesting authorization for the account payment transaction on an account of a user of the wearable computing device. An encrypted authentication token is received at a mobile computing device from a mobile wallet provider in response to the transaction request message, and the token is sent to the wearable computing device. The wearable computing device receives the token and forwards it to the mobile wallet provider. An authorization message is received from the mobile wallet provider after the token is verified.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for preapproving a loan. An example method includes receiving, from an online marketplace server device, a preapproval request provided by a user for a loan preapproval to purchase a first property. The example method further includes obtaining credit information associated with the user from a credit server device. The example method further includes generating a preapproval data structure based on the preapproval request and the credit information. The example method further includes generating a preapproval token based on the generated preapproval data structure. Subsequently, the example method includes transmitting the generated preapproval token to the online marketplace server device.

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.

Abstract: A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that 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 the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.

Abstract: An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, pe

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: An example method for processing an electronic statement includes: receiving a biller identifier, the biller identifier being known to a payer; populating the biller identifier in the electronic statement, the electronic statement being an electronic document including financial information; encrypting the electronic statement including the biller identifier; sending the encrypted electronic statement including the biller identifier to the payer; and receiving authorization from the payer to make a payment identified in the electronic statement.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of stock trading using social network sentiment. The system and method can receive a trading order entry for a stock asset having at least one condition to execute, wherein the at least one condition to execute is based on a social network sentiment. The system and method monitors the stock asset for conditions to execute and monitors a tracking social network sentiment of the stock asset. The system and method can determine if the conditions to execute satisfied. The system and method can execute a stock trade according to the trading order entry based on the determination.

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: A method of generating and applying combining weights to Physical Uplink Shared Channel (PUSCH) symbols for Open Radio Access Network (O-RAN) fronthaul interface between O-RAN radio unit (O-RU) and O-RAN distributed unit (O-DU) includes: calculating, by the O-DU, a codebook; sending, by the O-DU, the codebook to O-RU; generating, by the O-RU, an RU combiner matrix, using the codebook; applying, by the O-RU, the RU combiner matrix to In-phase and Quadrature (IQ) data to generate compressed IQ data; sending, by the O-RU, the compressed IQ data to O-DU; calculating, by the O-DU, a DU combiner matrix from compressed demodulation reference signal (DMRS); and applying, by the O-DU, the DU combiner matrix to data.