Abstract: A computer-implemented method for receipt management includes receiving, using a mobile wallet stored on a mobile device of a user, receipts that include a record of transactions between the user and one or more merchants, the transactions being performed using the mobile wallet account of the user. The method includes receiving receipts for transactions that were not performed using the mobile wallet account of the user, the receipts being received from a user e-mail address, the receipts for non-mobile wallet transactions being received by the mobile wallet of the user. The method includes aggregating the mobile wallet receipts with the receipts of non-mobile wallet transactions and retrieving and displaying one or more of the mobile wallet receipts and the receipts of non-mobile wallet transactions.

Abstract: A computer-implemented system and method includes determining the locations of a user of a mobile device and a merchant, comparing the locations to ensure a match, receiving from the user's mobile device an identification number associated with the user's stored value card, receiving an identifier generated by a financial institution, the identifier being embedded in a code displayable on the mobile device, and transmitting an indication that the transaction has been completed, the transaction being completed based on the identifier and based on the match. The method may further include determining and informing the user that a stored value card may be used at the merchant located within a first predetermined distance. A non-optical code, such as a radio frequency (RF) input, may be generated and provided to the merchant via the mobile device to identify the stored value card.

Abstract: A rotary valve comprises a stator member with a planar stator face, the stator member having a plurality of stator channels for conducting a fluid and a rotor member with a planar rotor face facing and in contact with the stator face, the rotor member having at least one rotor channel. The rotor member is rotatable with respect to the stator member, such that in specific rotor positions, the rotor channel interconnects two of the stator channels, such that the stator channels are in fluid communication. One of the stator member and the rotor member is made of ceramics material, wherein the other one of the stator member and the rotor member is made of a polymer material.

Abstract: A rotary valve comprises a stator member with a planar stator face, the stator member having a plurality of stator channels for conducting a fluid and a rotor member with a planar rotor face facing and in contact with the stator face, the rotor member having at least one rotor channel. The rotor member is rotatable with respect to the stator member, such that in specific rotor positions, the rotor channel interconnects two of the stator channels, such that the stator channels are in fluid communication. One of the stator member and the rotor member is made of ceramics material, wherein the other one of the stator member and the rotor member is made of a polymer material. The ceramics material is coated with a diamond-like carbon (DLC).

Abstract: The present disclosure relates generally to a calculated probability that an income value has been misrepresented in a risk analysis system. For example, the system may apply first data to a first machine learning (ML) model to determine a conservative income prediction associated with the data and apply second data to a second ML model to determine a probability that an overstatement of the income value would result in a change in an approval determination.

Abstract: A computer-implemented system and method includes determining the location of a user and the location of a merchant, comparing the locations to ensure a match, receiving an identifier embedded in a code provided by a user's mobile device and having a token for sending funds generated by a computer processor of a financial institution and provided to the mobile device, and, based at least on the identifier, transmitting an indication that a transaction has been completed.

Abstract: A mobile device is configured to receive a first receipt pertaining to a first mobile wallet transaction of a user, the first receipt being a digital receipt and receive information pertaining to a plurality of transactions of the user. The mobile device is also configured to capture an image of a second receipt pertaining to the second mobile wallet transaction of the user, the second receipt being a physical receipt. The mobile device is also configured to generate an image of the first receipt of the use and extract identifying information regarding the first and second mobile wallet transactions from the first and second images, identify the first and second mobile wallet transactions within the plurality of transactions based on information extracted from the images of the first and second receipts, and associate the images of the first and second receipts with the first and second mobile wallet transactions.

Abstract: Aspects of the present disclosure include systems and methods. According to certain embodiments, provided is an integrated analysis system that includes a first module including a sample analysis component and a first internal container conveyor system. The integrated analysis system further includes a second module including a second internal container conveyor system. The first and second modules are positioned adjacent each other such that the first and second internal container conveyor systems are aligned and adapted to transport containers from the first module to the second module. Also provided are methods of analyzing and preparing samples (e.g., blood and body fluid samples), as well as components that find use within the analysis systems of the present disclosure.

Abstract: A method for receipt tracking performed by one or more processors of a mobile wallet computer system is provided. The method includes: receiving, by network interface logic of the mobile wallet computer system, a receipt corresponding to a mobile wallet transaction performed by a mobile device associated with a user; extracting, by a receipt tracker of the mobile wallet computer system, identifying information from the receipt; sorting, by the mobile wallet computer system, the identifying information; generating, by the mobile wallet computer system, a user-specific offer based on the sorted identifying information; and providing, by the mobile wallet computer system, the user-specific offer to a mobile device of the user.

Abstract: A method of tracking mobile wallet transaction receipts is provided. The method includes: associating an email address with a mobile wallet, the mobile wallet storing information corresponding to a plurality of mobile wallet transactions; accessing an email inbox associated with the email address, the email inbox containing a plurality of emails received at the email address; identifying, in the email inbox, a receipt email containing a receipt; forwarding the receipt email to a mobile wallet email inbox associated with the mobile wallet; determining receipt information from the receipt; and associating the receipt with one or more of the plurality of mobile wallet transactions based on the receipt information.

Abstract: A computer-implemented method includes receiving, by a merchant computer system associated with a merchant, a token provided by a mobile device to a point of sale (POS) device. The token identifies a transaction between the merchant and a payor. The method also includes determining, by the merchant computer system, that the transaction is a refund transaction based on the token. The method also includes determining, by the merchant computer system, a previously used token based on the token. The previously used token is associated with the transaction. The method also includes transmitting, by the merchant computer system, the previously used token to a recipient bank computer system. The method also includes receiving, by the merchant computer system, an approval or decline message for the refund transaction. The method also includes transmitting, by the merchant computer system, the approval or decline message to the POS device.

Abstract: The present disclosure relates generally to a multi-layer fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, apply application data to one or more machine learning (ML) models, and receive a first score based at least in part upon output of the ML model that is associated with the first borrower user. The system may aggregate scores associated with multiple borrower users to a cumulative dealer user level. The aggregated first scores associated with the dealer user, as well as other corresponding application data, may be provided as input to a second ML model. Output from the second ML model may be associated with the dealer user as a second score.

Abstract: The present disclosure relates generally to a multi-layer fraud identification and risk analysis system. For example, the system may receive a plurality of first scores associated with borrower users and a dealer user based at least in part upon output of the first ML model. The system may receive a request from a lender user device for a second score, where the dealer user and the lender user device are associated according to a correlative score. The plurality of applications and the correlative score may be used as input to the second ML model that quantifies the risk of the dealer user specifically to the lender user, based on attributes associated with the application data, dealer user, and/or lender user. Output from the second ML model may be provided to the lender user device.

Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.

Abstract: Aspects of the present disclosure include systems and methods. According to certain embodiments, provided is an integrated analysis system that includes a first module including a sample analysis component and a first internal container conveyor system. The integrated analysis system further includes a second module including a second internal container conveyor system. The first and second modules are positioned adjacent each other such that the first and second internal container conveyor systems are aligned and adapted to transport containers from the first module to the second module. Also provided are methods of analyzing and preparing samples (e.g., blood and body fluid samples), as well as components that find use within the analysis systems of the present disclosure.

Abstract: A computer-implemented system and method that includes receiving, by a messaging hub, a code and a transaction amount from a recipient and determining, by the messaging hub, based at least partially on the code, an account number for a credit card held by a user. The system and method may include receiving, by the messaging hub, funds equaling the transaction amount from the credit card and depositing the funds in an account held by the messaging hub, the funds being received via a four-party credit card transaction in which the messaging hub operates as a merchant and sending the funds from the account held by the messaging hub to an account held by the recipient.

Abstract: The present disclosure relates generally to a risk-based fraud identification and risk analysis system. For example, the system may receive application data from a first borrower user, determine a segment associated with the application data, apply application data to one or more machine learning (ML) models, and receive a score based at least in part upon output of the ML model.

Abstract: A computer-implemented method that includes receiving, by a merchant computer system, an indication of a refund for a previous mobile wallet transaction. The method includes determining, by the merchant computer system, a previously used token based on the indication, the previously used token identifying a previous transaction as transferring funds to a merchant associated with the merchant computer system from a payor. The method includes determining, by the merchant computer system, a transaction amount for the previous transaction using the previously used token. The method includes transmitting, by the merchant computer system, the previously used token and the transaction amount to a recipient bank computer system. The method includes receiving, by the merchant computer system, an approval or decline indicator for the refund transaction from the recipient bank computer system. The method includes transmitting, by the merchant computer system, the approval or decline indicator to a Point of Sale device.

Abstract: A system includes network interface logic configured to receive offers from merchants, an offer engine configured to determine an offer from the offers to present on a mobile device based on a characteristic of a user of the mobile device, and a code generator configured to generate a code and embed information in the code. The network interface logic is configured to receive, from the mobile device, a request for the code to provide to a merchant associated with the offer, send the code to the mobile device for the merchant to receive at a point of sale, and receive a request for funds from the merchant that includes an amount of a transaction in accordance with the offer. The system also includes account processing logic configured to send the requested funds to the merchant upon verifying the offer was accepted by the user of the mobile device.

Abstract: A computer-implemented system and method that includes receiving via a messaging hub a code and an identifier for a merchant from a first financial institution, determining, by the messaging hub, a second financial institution based at least partially on the code, sending the code and the merchant identifier to the second financial institution, and receiving from the second financial institution account information to be sent to the first financial institution. The system and method includes sending the account information to the first financial institution to allow the first financial institution to process the payment from an account held by a payor to an account held by the merchant.