Abstract: he disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method for receiving, by one or more processors, a request to establish a first boundary around a first location. The method may also include monitoring, by the one or more processors, one or more triggering devices. The method may also include calculating, by the one or more processors, a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also include detecting, by the one or more processors, whether at least one of the one or more triggering devices is located within the first boundary extent.

Abstract: The disclosed embodiments include methods and systems that provide secure data transmission between networked computing systems by obfuscating sensitive customer account data with placeholder account data generated in real-time and without customer intervention. The disclosed embodiments may include a computerized device that monitors user input to detect an initiation of a purchase transaction at a merchant, and upon detection of the initiated purchase transaction, may obtain a placeholder account suitable for use in the purchase transaction and capable of masking a user's sensitive account information without user intervention. In some instances, a system of a financial institution may activate and fund the placeholder account in real time and in an amount consistent with a transaction amount of the purchase transaction. Devices consistent with the disclosed embodiments may request execution of the initiated purchase transaction in accordance with the activated and funded placeholder account.

Abstract: The disclosed embodiments include methods and systems for providing a notification relating to a geographical boundary based on monitored sensor data collected by networked devices. The disclosed embodiments include, for example, a method that monitors positional sensor data received from one or more triggering devices. The method may calculate a first boundary extent delimiting the geographical area of the first boundary based on one or more boundary extent parameters. The method may also detect an occurrence of a triggering condition that impacts a movement of at least one of a client device or at least one of the triggering devices within a geographic region that includes the first location. In response to the detected triggering event, at least one of modified start time or a second location may be established for the event, which may be provided to the client and triggering devices in a notification.

Abstract: A method of effecting an incentive transaction involves a computer server receiving a transaction notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction to be transacted with an incentive account. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The incentive account is jointly associated with the plurality of plan participants. The notification message includes a product code and the participant identifier of one plan participant.

Abstract: The disclosed embodiments include methods and systems for validating, funding, activating, and reloading one or more configurable multicards. The disclosed embodiments may include a method that may include obtaining user authentication information relating to a first user associated with an inactivated multicard that is configurable for use for purchases and is configured with a zero multicard account balance amount. The method may include obtaining multicard configuration information including a unique multicard identification information that identifies the inactivated multicard and a first multicard account balance amount for the inactivated multicard. The method may also include validating the inactivated multicard using the unique multicard identification information and associating the inactivated multicard with a multicard account having the first multicard account balance that is funded from a financial account associated with the first user.

Abstract: A method of effecting an incentive transaction involves a computer server receiving a notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The notification message includes a product code and the participant identifier of one plan participant.

Abstract: A method of credential-based electronic payment processing involves a credential processing server receiving from a mobile communications device a payment initiation request for initiating payment with a payment terminal, and providing the mobile communications device with a mode authorization for an authorized communications mode for the mobile communications device to provide the payment terminal with a payment pre-authorization credential. The payment pre-authorization credential is uniquely associated with a financial account and pre-authorizes electronic payment from the financial account. The credential processing server receives from the payment terminal a payment clearing request that identifies a payment amount and includes the payment pre-authorization credential.

Abstract: The disclosed embodiments include computerized methods and systems for authenticating user identity based on non-credentialed information. For example, in response to a request from a device of a user for a service performable by one or more networked computer systems, the disclosed embodiments may identify one or more public and private sources of non-credentialed information. The disclosed embodiments may also transmit messages to devices of the individuals requesting non-credentialed information associated with the user, and based on the received responses, may verify an identity of the user based on at least a portion of the received non-credentialed information. Further, in some aspects, non-credentialed authentication processes consistent with the disclosed embodiments may reduce an ability of malicious parties to attach or hack into the one or more networked computer systems.

Abstract: The disclosed embodiments include computerized methods and system for detecting error events, such as account shortfalls, within networked computer systems operated by the financial institutions and other business entities. In one aspect, a system includes a memory storing instructions and one or more processors configured to execute the instruction to perform operating, such as receiving a payment request for a payment amount from a first account of a user to a destination account. The operations may also include determining that the first account lacks sufficient funds to cover the payment amount, and determining that the user has pre-approved a credit line account secured by a first set of investment holdings of the user that generate revenue that is periodically transferred to the first account. The operations may also include performing a fund transfer operation for the payment amount from the credit line account to the first account.

Abstract: The disclosed embodiments include methods and system for detecting error events, such as account shortfalls, within networked computer systems operated by the financial institutions and other business. In one aspect, a system includes a memory storing instructions and one or more processors configured to execute the instruction to perform operating, such as receiving a payment request for a payment amount from a first account of a user to a destination account. The operations may also include determining that the first account lacks sufficient funds to cover the payment amount, and determining that the user has pre-approved credit facility secured by a first set of investment holdings of the user that generate revenue that is periodically transferred to the first account. The operations may also include performing a fund transfer operation for the payment amount from the credit line account to the first account.

Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

Abstract: A method of controlling issuance of alerts involves a server receiving notification of occurrence of an event at an account, saving in an events history the event occurrence, receiving device information from a mobile device associated with the account, and determining a position and/or speed from the device information. The server maintains at least one event definition defining particulars of suspension of notifications of events at an account. Upon the position or speed correlating with one of the event definitions, the server saves in the events history an occurrence of at least one additional event occurring at the account subsequent to the event, and suspends notification of the saved occurrences to the mobile device. The server transmits to the mobile device a notification of the occurrences saved in the events history and clears the events history upon the position and speed no longer correlating with any of the event definitions.

Abstract: The disclosed embodiments include methods and systems that automatically populate interfaces facilitating electronic transactions. In one embodiment, a system may identify a contextual event triggering an account transfer transaction. The system may also determine a first account associated with a first user based on the contextual event, and determine a second account based on the contextual event and a set of rules associated with the first user. The system may generate, based on the detected event and the set of rules, first information used to provide prefilled content identifying the first account as a source account and the determined second account as a destination account. The system may also generate, in response to an authorization, second information used to provide second content including a notification that a transfer of funds from the first account to the second account has occurred.

Abstract: The disclosed embodiments include methods and systems that automatically populate interfaces facilitating electronic transactions. In one embodiment, a system may detect an system-generated event triggering an account transfer transaction. The system may also determine a first account associated with a first user based on the detected event, and determine a second account based on the detected event and a set of rules associated with the first user. The system may generate, based on the detected event and the set of rules, first information used to provide prefilled content identifying the first account as a source account and the determined second account as a destination account. The system may also generate, in response to an authorization, second information used to provide second content including a notification that a transfer of funds from the first account to the second account has occurred.

Abstract: The disclosed embodiments include methods and systems that automatically populate interfaces facilitating electronic transactions. In one embodiment, a system may detect an action of a first user that triggers an account transfer transaction. The system may also determine a first account associated with the first user based on the detected action, and determine a second account based on the detected action and a set of rules associated with the first user. The system may generate, based on the detected event and the set of rules, first information used to provide prefilled content identifying the first account as a source account and the determined second account as a destination account. The system may also generate, in response to an authorization, second information used to provide second content including a notification that a transfer of funds from the first account to the second account has occurred.

Abstract: Online reviews present a wealth of information for consumers to consider when making purchase decisions. Consumers however, can be disadvantaged by an inability to determine the usefulness of reviews, the wealth of information thus providing marginal utility. Where consumers can establish an affinity or trust with a reviewer, the usefulness of a review can be vetted against the perspective of the consumer, assisting consumers in making purchase decisions with greater confidence and reliability. Social media further supports consumers by providing a convenient pool of reviewers with whom a consumer may already have pre-existing relationships or familiarity with, bolstering the ability of the consumer to establish an affinity or trust with the reviewer. An adaptive influence process provides a method for consumers to adapt such a collection of reviews, and tailor them to the consumer's own perspective to assist in making purchase decisions with greater confidence.

Abstract: The disclosed embodiments include methods and systems for providing account status notifications. The disclosed embodiments include, for example, a device for providing account status notifications including a memory storing software instructions and one or more processors configured to execute the software instructions to perform operations. In one aspect, the operations may include receiving account status notification information for a first account associated with a user. The account status notification information may be generated based on one or more notification rules and account information associated with the first account. The operations may also include generating, based on the received account status notification information, a first account status indicator that provides a status of a first account parameter associated with the first account that is presented via a device component without a user request to receive the status of the first account parameter.

Abstract: A method of controlling issuance of alerts involves a server receiving notification of occurrence of an event at an account, saving in an events history the event occurrence, receiving device information from a mobile device associated with the account, and determining a position and/or speed from the device information. The server maintains at least one event definition defining particulars of suspension of notifications of events at an account. Upon the position or speed correlating with one of the event definitions, the server saves in the events history an occurrence of at least one additional event occurring at the account subsequent to the event, and suspends notification of the saved occurrences to the mobile device. The server transmits to the mobile device a notification of the occurrences saved in the events history and clears the events history upon the position and speed no longer correlating with any of the event definitions.

Abstract: Systems and methods are provided for identifying enhanced services for presentation to a user at a point-of-sale terminal. The disclosed embodiments include, for example, a system that may be configured to receive a request to authenticate a purchase transaction that identifies a financial service account and a point-of-sale terminal. The system may be configured to determine an issuer of the user's account and to obtain, from the issuer, information identifying one or more first services offered by the issuer.

Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.