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: Apparatuses, methods, and computer program products are provided for data privacy and clearance traversal. An example method includes receiving a first model having an associated first clearance. The method further includes determining a faulty outcome of the first model due to the first clearance and receiving a second model having an associated second clearance. The method also includes inputting the faulty outcome of the first model to the second model and generating a traversal outcome of the second model. The method further include inputting the traversal outcome to the first model so as to traverse a clearance issue associated with the first clearance. The method also includes preventing access of the second model to user data analyzed by the first model in generating the faulty outcome.

Abstract: Apparatuses, methods, and computer program products are provided for improved data privacy. An example method includes receiving a standard model where the standard model includes user data associated with a plurality of users, and the user data is associated with one or more privacy factors. The method also includes receiving a first privacy impact model that identifies a first privacy factor and analyzing the standard model with the first privacy impact model. The method also includes generating a first privacy impact score for the first privacy factor. The method may further include determining if the first privacy impact score satisfies a first privacy factor threshold. In an instance in which the first privacy impact score fails to satisfy the first privacy factor threshold, the method may generate a first violation notification or augment the standard model.

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: Various examples are directed to systems and methods for secure purchasing using a mobile wallet. A first mobile wallet may receive secure purchasing data related to an product from a server system associated with a merchant. The secure purchasing data (e.g., stored on a QR code) may include product information and merchant information allowing the mobile wallet to obtain a public key of the merchant. The mobile wallet may determine whether the purchase of the product requires processing by a second mobile wallet based on transaction rules and at least some of the purchasing data. Based on the determination, the first mobile wallet may either send payment data for purchasing the product to the server system of the merchant, without requesting processing by the second mobile wallet or send a request for processing to the second mobile wallet so that the second mobile wallet can approve or purchase the product.

Abstract: Systems and methods may generally include sending an executable application, which when executed, automatically causes a monetary transfer. An example method may include performing, at a first user device, a handshake with a second user device, receiving, during the handshake, an operating capability of the second user device, and configuring, based on the operating capability of the second user device, an executable application, which when executed, automatically causes a monetary transfer to occur. The configured executable application may be sent to the second user device for execution.

Abstract: Systems and methods may generally be used to securely store an executable file or to compile a securely stored executable file. An example method may include receiving an executable file for long-term storage, segmenting the executable file into a plurality of file segments, encrypting a file segment of the plurality of file segments, storing the plurality of file segments, and retrieving the file segment based on a segment identity for the file segment. The file segment may be output, for example to a requesting device.

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: Methods and systems for programming a smart card having a programmable chip with no value using a mobile wallet associated with a mobile device are disclosed. The methods and systems can receive issuer data identifying an issuer for the smart card and receive an amount to load on the card. A selection of a wallet element from the mobile wallet as a payment source for the amount can be received and a transaction request can be submitted for the issuer using the selected wallet element and the amount. After submitting the transaction request and receiving an issuer authorization, data regarding the amount can be written on the programmable chip of the smart card.

Abstract: Techniques are described for secure access for assisted transactions in an online banking system. A server of the online banking system is configured to establish an assisted session during which both a primary user and an assistant user have secure access to the primary user's account via their respective computing devices. The techniques enable the assistant user to request transactions with the primary user's account on the primary user's behalf, and further enable the primary user to approve the requested transactions prior to performance. The techniques include translating the requested transactions into a natural language description that is understandable to the primary user, and presenting the natural language description to the primary user for approval or denial of the requested transaction. In this way, a primary user may receive the assistance necessary to use an online banking system without giving up all control over the primary user's account.

Abstract: A method may include receiving, at a computing device, a plurality of past transactions associated with a user account of a user; extracting transaction characteristics of a transaction of the plurality of transactions, the transaction characteristics including a location characteristic and a time characteristic; retrieving, based on the transaction characteristics, characteristics of the computing device at a time according to the time characteristic; comparing the transaction characteristics with the retrieved computing device characteristics based on a set of rules to determine a likelihood that the transaction is anomalous; and based on the likelihood indicating that the transaction is anomalous, presenting a notification to the user.

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 sending a branch mobile wallet to a recipient from a main mobile wallet of a user are disclosed. The main mobile wallet can operate on a mobile device and have one or more wallet items such as elements representing credit cards, debit cards, and merchant-specific cards. A request can be received to create a branch mobile wallet of the main mobile wallet and a one or more wallet items can be selected to include in the branch mobile wallet. Contact information can be received for the recipient of the branch mobile wallet. A request to send the branch mobile wallet to the recipient can be received and activation information can be sent to the recipient. The branch mobile wallet can be sent to the recipient after receiving a reply to the activation information.

Abstract: Various examples described herein are directed to systems and methods for processing a payment using a mobile wallet network and issuer. A mobile wallet application provides payment information and an indication if payment may be done directly via the mobile wallet network to a point of sale (POS) terminal. The POS terminal determines which payment network to use. A bill may be sent to the mobile wallet application. The mobile wallet application requests payment authorization from an issuer. The issuer provides the authorization and the transaction is completed between the POS terminal and the mobile wallet application.

Abstract: A system, method, and apparatus of authenticating and authorizing a payment are provided. A method includes receiving authentication information gathered by a point-of-sale device from a customer initiating a payment for a transaction via the point-of-sale device; receiving context information gathered by the point-of-sale device; authenticating the customer using the received authentication information; selecting a customer payment profile from a plurality of customer payment profiles to use for the transaction, based on the received context information, wherein each customer payment profile is associated with a payment account; authorizing the payment for the transaction from the payment account associated with the selected customer payment profile; and sending, to the point-of-sale device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.

Abstract: A system, computer-readable storage medium and method provide a secure transaction by receiving, from a mobile wallet a request to assign a vendor specific payment account identifier (VSPAI) to a payment account identifier (PAI) associated with a user of the mobile wallet. Identifying information is verified of: (i) an issuer of the PAI, (ii) a specific vendor; and (iii) the user of the mobile wallet. In response to verifying, a unique VSPAI is created that is associated with the PAI of the user and the specific vendor. Then, when a payment request is received including the unique VSPAI for a transaction with a particular vendor, the particular vendor is verified as the specific vendor associated with the unique VSPAI. In response to verifying that the particular vendor, payment of the transaction by the issuer using the PAI associated with the unique VSPAI is facilitated.

Abstract: Various examples described herein are directed to systems and methods for executing a mobile wallet element at a mobile computing device. For example, an executable active element may send a first element message to a mobile wallet application. The first element message may include a subsidiary element request. The mobile wallet application may send to an operating system a request comprising the subsidiary element request. The operating system may send the subsidiary element request to an issuer system. Subsidiary element data describing a subsidiary element may be sent to a second mobile wallet application.

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: 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: 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.