Abstract: A data attack detection system that includes a record host and an orchestration host. The record host stores account information for card holders. The orchestration host includes a switch interface configured to receive transaction information for a card from a network. The orchestration host further includes a velocity trap engine that stores received transaction information for the card in a cardholder file. The velocity trap engine creates entries in a velocity transaction timestamp record for the card when the number of transactions for the card in the cardholder record within a first predetermined time interval exceeds a first activity level threshold. The velocity trap engine discontinues a transaction flow between the orchestration host and the record host for the card when the number of transactions for the card in the velocity transaction timestamp record within a second predetermined time interval exceeds a second activity level threshold.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating a cross channel cross linkage of channel devices associated with an entity for resource distribution. As such, the system allows for resource distribution across entity devices so that distribution may occur at any location. A resource distribution document may be scanned via a remote device associated with the entity. The system may process the resource distribution document via optical character recognition used for data pulling from the resource distribution document. The system may communicate for acquiring, authenticating, routing, switching, and authorizing the resource distribution. Upon approval of the resource distribution the system may provide the user with a unique identifier for input at a cross channel device for distribution of the resources.

Abstract: Embodiments of the present invention provide a real-time resource distribution lookup facility for facilitating real-time resource distributions via a universal channel functionality number. The invention commodities specific routing and transit numbers into universal channel functionality numbers tied directly to a real-time resource distribution. Upon initiation of a real-time resource distribution, the invention may recognize the functionality numbers and process the real-time resource distribution request via the lookup facility. The invention may identify the user, qualifications, and standing for confirmation of the real-time resource distribution and allow for processing of the distribution using the functionality number, which provides security and anonymity for the user and real-time resource distribution request from outside exposure.

Abstract: Embodiments of the present invention provide a system for detecting unauthorized access via card characteristic verification. The present invention is configured to identify initiation of a resource distribution event via a resource distribution card at a resource distribution device, identify one or more characteristics of the resource distribution card, determine a first user associated with the resource distribution card based on the one or more characteristics, determine that the resource distribution card of the first user is associated with an issuing entity associated with a resource account of the first user based on the one or more characteristics, and authorize and process the resource distribution event based on determining that the resource distribution card is associated with the issuing entity associated with the resource account associated with the first user.

Abstract: Embodiments of the present invention provide a system with generated network for real-time split distribution of resource based on event execution and object deployment. In this way, the system identifies an event execution and large object deployment. Upon resource processing, the system translates RFI messaging within a real-time network for back end resource transmission to necessary upstream or downstream entity agents. Furthermore, the system provides a split processing for resource transmission to one or more entity agents. As such, the system provides a real-time resource distribution upon triggering object deployment for expedite resource distributions stemming from the event execution and object deployment.

Abstract: Embodiments of the invention are directed to provisioning object identification and volume data in conjunction with the real-time processing of a resource event. The object identification and volume data is included in or accessible via one or more resource event messages communicated to the object recipient. In addition, the object identification and volume data is linked or otherwise provided in real-time to an object tracking management system associated with the object receipt, so that the system can immediately update the object registers associated with each of the objects.

Abstract: A data attack detection system that includes a record host and an orchestration host. The record host stores account information for card holders. The orchestration host includes a switch interface configured to receive transaction information for a card from a network. The orchestration host further includes a velocity trap engine that stores received transaction information for the card in a cardholder file. The velocity trap engine creates entries in a velocity transaction timestamp record for the card when the number of transactions for the card in the cardholder record within a first predetermined time interval exceeds a first activity level threshold. The velocity trap engine discontinues a transaction flow between the orchestration host and the record host for the card when the number of transactions for the card in the velocity transaction timestamp record within a second predetermined time interval exceeds a second activity level threshold.

Abstract: A data attack detection system that includes a record host and an orchestration host. The record host stores account information for card holders. The orchestration host includes a switch interface configured to receive transaction information for a card from a network. The orchestration host further includes a velocity trap engine that stores received transaction information for the card in a cardholder file. The velocity trap engine creates entries in a velocity transaction timestamp record for the card when the number of transactions for the card in the cardholder record within a first predetermined time interval exceeds a first activity level threshold. The velocity trap engine discontinues a transaction flow between the orchestration host and the record host for the card when the number of transactions for the card in the velocity transaction timestamp record within a second predetermined time interval exceeds a second activity level threshold.

Abstract: Embodiments of the present invention provide a system for detecting unauthorized access via card characteristic verification. The present invention is configured to identify initiation of a resource distribution event via a resource distribution card at a resource distribution device, identify one or more characteristics of the resource distribution card, determine a first user associated with the resource distribution card based on the one or more characteristics, determine that the resource distribution card of the first user is associated with an issuing entity associated with a resource account of the first user based on the one or more characteristics, and authorize and process the resource distribution event based on determining that the resource distribution card is associated with the issuing entity associated with the resource account associated with the first user.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating a cross channel cross linkage of channel devices associated with an entity for resource distribution. As such, the system allows for resource distribution across entity devices so that distribution may occur at any location. A resource distribution document may be scanned via a remote device associated with the entity. The system may process the resource distribution document via optical character recognition used for data pulling from the resource distribution document. The system may communicate for acquiring, authenticating, routing, switching, and authorizing the resource distribution. Upon approval of the resource distribution the system may provide the user with a unique identifier for input at a cross channel device for distribution of the resources.

Abstract: In one or more embodiments, one or more systems, methods, and/or processes may receive, via a network and from at least one account processor computer system, requests for compensations associated with a first account; provide the compensations from the first account to a second account; receive, via the network, user credentials from a customer computer system; authenticate the user credentials with a database; receive information from the customer computer system that indicates cessation of compensation associated with the second account; and provide cessation information to account processor computer systems, that includes the at least one account processor computer system, to prevent at least one future transaction based on a request for compensation from the first account. For example, another request for another compensation associated with the first account from an account processor computer system and associated with the second account may be received, and the other request may be declined.

Abstract: A data attack detection system that includes a record host and an orchestration host. The record host stores account information for card holders. The orchestration host includes a switch interface configured to receive transaction information for a card from a network. The orchestration host further includes a velocity trap engine that stores received transaction information for the card in a cardholder file. The velocity trap engine creates entries in a velocity transaction timestamp record for the card when the number of transactions for the card in the cardholder record within a first predetermined time interval exceeds a first activity level threshold. The velocity trap engine discontinues a transaction flow between the orchestration host and the record host for the card when the number of transactions for the card in the velocity transaction timestamp record within a second predetermined time interval exceeds a second activity level threshold.

Abstract: A system includes a memory and processor. The memory stores a user account identifier associated with a user account. The processor receives at least one user credential and authenticates the user account based at least in part on the at least one user credential. The processor further receives a first request, from a device associated with the user account, to generate a one-time password and generates the one-time password in response to receiving the first request. The processor associates the one-time password to the user account and communicates the one-time password to the device associated with the user account. The processor further receives a second request, from a transaction device, the second request comprising an attempted one-time password, determines whether the attempted one-time password is valid, and communicates, to the transaction device, an indication that the attempted one-time password is valid in response to determining that the attempted one-time password is valid.

Abstract: A system includes a memory and processor. The memory stores a user account identifier associated with a user account. The processor receives at least one user credential and authenticates the user account based at least in part on the at least one user credential. The processor further receives a first request, from a device associated with the user account, to generate a one-time password and generates the one-time password in response to receiving the first request. The processor associates the one-time password to the user account and communicates the one-time password to the device associated with the user account. The processor further receives a second request, from a transaction device, the second request comprising an attempted one-time password, determines whether the attempted one-time password is valid, and communicates, to the transaction device, an indication that the attempted one-time password is valid in response to determining that the attempted one-time password is valid.

Abstract: A system may include a memory and processor. The memory may store a user account identifier associated with a user account. The processor may be able to receive at least one user credential and authenticate the user account based at least in part on the at least one user credential. The processor may also receive a first request, from a device associated with the user account, to generate a one-time password and generate the one-time password in response to receiving the first request. The processor may associate the one-time password to the user account and communicate the one-time password to the device associated with the user account.

Abstract: A self-service financial transaction device may include a processor and a non-transitory memory communicatively coupled to the processor. The non-transitory memory may be configured to store instructions that, when executed, may cause the processor to request access to a liability account associated with a customer of the financial institution. Upon receiving access to the liability account, the instructions may cause the processor to receive information about a payment received at the self-service financial transaction device that may be applied, at least in part, toward an outstanding balance of the liability account. The processor may then communicate information about the received payment to the financial institution, where the payment may be applied towards an outstanding balance of the liability account.

Abstract: Systems, methods and apparatuses for identifying a plurality of contribution destinations and a geographic location associated with each contribution destination. In some examples, a plurality of transaction devices or systems (e.g., automated teller machines (ATMs), online banking systems, mobile banking applications, and the like) may also be associated with a geographic location. In some arrangements, the contribution destination(s) associated with a geographic location will be transmitted to any transaction devices associated with the same geographic location. The contribution destinations may then be presented to a user or customer with a request for a gift or donation to one or more of the contribution destinations via the transaction device or system (e.g., during the course of another transaction initiated by the user).

Abstract: While performing or initiating a transaction with a self-service video transaction device, a user may interact with a video agent and a terminal associated therewith. An error may occur during the transaction. In response to detecting the error, video agent(s) having video or audio functionalities to service the error may be identified. Servicing the error may also be based on a length of a wait time to connect to an appropriate video agent. If the wait time exceeds a predetermined threshold, an error receipt identifying the error and other information may be printed by the self-service video transaction device. If the wait time does not exceed the predetermined threshold, a display device of the self-service video transaction device may display an option for the user to connect to the video agent terminal.

Abstract: While performing or initiating a transaction with a self-service video transaction device, a user may interact with a video agent and a terminal associated therewith. Video and/or audio functionalities may be enabled or disabled based on a length of a wait time to connect to a video agent. If the wait time exceeds a predetermined threshold, video and/or audio functionalities may be disabled, and the self-service device may generate a display indicating that video and/or audio functionalities are unavailable. If the wait time does not exceed the predetermined threshold, video and/or audio functionalities may be enabled, and the self-service device may generate a display indicating that video and/or audio functionalities are available.

Abstract: While performing or initiating a transaction with a self-service video transaction device, a user may interact with a video agent and a terminal associated therewith. An error may occur during the transaction. In response to detecting the error, video agent(s) having video or audio functionalities to service the error may be identified. Servicing the error may also be based on a length of a wait time to connect to an appropriate video agent. If the wait time exceeds a predetermined threshold, an error receipt identifying the error and other information may be printed by the self-service video transaction device. If the wait time does not exceed the predetermined threshold, a display device of the self-service video transaction device may display an option for the user to connect to the video agent terminal.