Abstract: Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a first third party entity from the one or more third party entities, establishing a communication link with a remote device associated with the first third party entity, and initiating transfer of resources to the remote device to complete the interaction.

Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing a centralized, integrated geolocation resource transfer system that is configured to facilitate operative communication between resource entity systems and external devices located within the geographic fence. In this regard, the invention is configured to dynamically identify a plurality of users located within the geographic fence, in real-time. In addition, the invention is configured to facilitate a resource entity system to customize a user interface of a user device based on the user's location. Furthermore, the system is configured to optimize flux parameters and resource distribution in a geographic fence.

Abstract: Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a first third party entity from the one or more third party entities, establishing a communication link with a remote device associated with the first third party entity, and initiating transfer of resources to the remote device to complete the interaction.

Abstract: Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a third party entity from the one or more third party entities, establishing a communication link with a third party entity device associated with the third party entity, and initiating transfer of resources to the remote device to complete the interaction.

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling an alternative processing network for a custom rewards transaction performed at a POS. A custom rewards transaction may be a transaction in which a customer opts-in to a merchant-funded rewards (MFR) program. Opting-in to the MFR program may terminate the customer's default enrollment in a conventional issuer-bank funded rewards program. Opting-in to the MFR program may also reroute the processing of the transaction from a conventional processing network to the alternative processing network. The alternative processing network may incur transaction fees to a merchant that are lower than the transaction fees of the conventional processing network.

Abstract: Apparatus, methods and architectures for dynamically incentivizing use of payment instrument(s) by customer(s) on purchase(s) from merchant(s) are described. Methods, apparatus and architectures may include/involve providing electronic platform(s) for enabling customer reward option(s). Reward option(s) may include standard reward option(s) associated with interchange fee(s) upon acquirer(s) affiliated with the merchant(s). Reward option(s) may include custom reward option(s) funded by the merchant(s) and associated with discounted interchange fee(s). Discounted interchange fee(s) may incentivize reduced cost(s) of acceptance imposed on merchant(s) by acquirer(s). The reward options may be selected to drive incremental sales to participating merchant(s).

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling free form rewards in a custom rewards transaction at a POS terminal. A custom rewards transaction may be a transaction in which a customer opts-in to a merchant-funded rewards (“MFR”) program. The merchant may offer rewards in the MFR program based on location and customer data. The merchant may offer rewards that promote customer behaviors that are advantageous to the merchant. Opting-in to the MFR program may terminate the customer's default enrollment in a conventional issuer-bank funded rewards program.

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. Systems and methods are provided for enabling merchant funded rewards at a POS terminal. Systems and methods are provided for tracking customer activity and determining an appropriate merchant funded reward. The POS terminal may determine an appropriate merchant, funded reward based on location and historical customer transaction data. The merchant may offer a custom reward that promotes customer behaviors that are advantageous to the merchant and other transaction participants. A merchant funded rewards program may be configured to drive incremental sales to merchants that participate in the program.

Abstract: A network for maintaining and disbursing rewards on behalf of a plurality of anonymous crypto-currency holders is provided. The network may be in communication with a crypto-currency platform. The plurality of crypto-currency account holders may also be in communication with the crypto-currency platform. The network may include a receiver. The receiver may be configured to receive purchase information from the crypto-currency platform. The purchase information may be related to at least one purchase performed using crypto-currency at a POS device. The purchase may be performed by at least one of the plurality of anonymous crypto-currency holders. The purchase information may include a purchase price. The network may include a transmitter for transmitting reward information to the POS device. The transmitting reward information may include transmitting at least one an anonymous bearer coupon, a reduction in the purchase price or a crypto-currency refund or reward.

Abstract: A merchant point-of-sale (“POS”) system architecture is provided. The POS system architecture may include a POS terminal including a POS receiver, a virtual display and a transmitter, and a transaction processing network including a network receiver and processor. The network receiver may be configured to receive a payment authorization request. The virtual display may be configured to display selectable options. The options may be displayed prior to processing the payment authorization request. The selectable options may include a first and second option. The first option may be to apply a merchant-funded rewards program network to the payment authorization request. The second option may be to continue to apply the default issuer funded rewards program network to the payment authorization request. When the first option is selected, a processor may be configured to terminate the issuer funded reward program network and activate the merchant-funded rewards program network.

Abstract: A system for integrating custom benefits into a communication transmission exchange is provided. The communication transmission exchange may include a plurality of entities. The system may include a receiver configured to receive a custom benefit selection. A second entity may perform the selection. The custom benefit may be associated with a first entity. The selection may trigger termination of any predetermined benefits to be communicated from a fourth entity to the second entity. The predetermined benefits may have been previously associated with a communication associated with the custom benefit. The selection may trigger instantiation of a communication line between the first entity and the second entity. The communication line may be for delivering a custom benefit communication, associated with the custom benefit, from the first entity to the second entity. The selection may also trigger deliverance of the custom benefit communication from the first entity to the second entity.

Abstract: An apparatus for electronic transmission via a virtual persona is provided. The apparatus may include a receiver. The receiver may be located at a first entity's mobile device. The receiver may be configured to receive a request to transmit an electronic transmission. The apparatus may include a processor. The processor may be located at the first entity's mobile device. The processor may be configured to identify a plurality of visible virtual personas. The plurality of visible virtual personas may be associated with a plurality of other mobile devices. Each of the plurality of virtual personas may be associated with a displayable image and/or characteristic set. The identification may be based on information received from a third party fraud detection network. The information may include location information associated with the plurality of other devices. The location information may be currently exploited by the third party fraud detection network.

Abstract: Systems and devices are provided for real-time digital issuance/provisioning of digital resources. In accordance with embodiments of the invention, real-time provisioning of the digital resources occurs through access to a mobile application. In specific embodiments in which the user does not currently have authorization to use the mobile application, an authorization code is issued to a user and inputted via the mobile application as a means for verifying the identity of the user prior to provisioning the digital resource to the digital storage. As such, by having the provisioning occur electronically via the mobile application provisioning of the digital resource is highly secure, in that, provisioning occurs without the user possessing or having knowledge of the digital resource credentials prior to provisioning.

Abstract: Embodiments are directed to expedited setup of digital wallet using contactless credentials. Embodiments receive user authentication credentials; validate the user authentication credentials; in response to validation, enable access to one or more features or functions of a mobile application; receive, from the contactless reader, contactless credential information comprising owner identification, credential number, expiration date and cryptogram; load the contactless credential information into a digital wallet stored in the memory; and enable use of a payment token corresponding to the contactless credential information in a digital wallet transaction.

Abstract: Systems, computer program products, and methods are described herein for transfer of resources via a secure channel using an alias. The present invention receives a first alias associated with a user; dynamically generates a web portal associated with the entity to enable the user to input an authorization code; electronically receives, via the web portal, the authorization code from the user; determine a first resource event based on at least receiving the first alias and the authorization code; triggers the first resource event based on at least a successful validation of the authorization code; and transfers the resources from the user record associated with the third party to the target record via the secure channel in response to triggering the first resource event.

Abstract: Embodiments are directed to enabling authentication shifting based on mobile wallet characteristics such as presence and/or content of a payment credential or pre-generated token. Embodiments receive a request for access to a function or feature by a user of the mobile device; receive first user authentication credentials from the user; access a mobile wallet storing at least one payment credential associated with an owner of the mobile device, the at least one payment credential comprising owner identity information; compare the first user authentication credentials with the owner identity information; confirm the first user authentication credentials match the owner identity information; and enable access to the requested function or feature. Embodiments also determine that additional user authentication is required for access to the requested function or feature; receive and validate second user authentication credentials; and enable access to one or more features or functions of a mobile application.