Abstract: Aspects of the present disclosure provide a method for controlling an Application (APP) that can include, controlling a working state of the image acquisition device to be switched to a normal working mode when the working state of an image acquisition device of a terminal device is in a low-power-consumption mode and a graphic identification code discovery signal sent by the image acquisition device is received. Further, recognizing a content corresponding to a graphic identification code according to an image including the graphic identification code, which is acquired by the image acquisition device, and triggering a preset operation corresponding to the content.

Abstract: Embodiments provide payment transaction methods, and systems by dynamically pushing payment transaction data to a Payment Service Provider (PSP). Method includes receiving, by a server system associated with a payment network, a payment transaction request including a payment transaction data and a PSP identifier (ID) of PSP during a payment transaction initiated from a user device using a merchant application. The method includes fetching, by the server system, a corresponding Uniform Resource Locator (URL) of the PSP using the PSP ID of the PSP from a merchant portal database. The merchant portal database at least includes a list of one or more URLs stored against respective one or more PSP IDs pre-generated based on linking respective one or more PSPs to a merchant profile. The method includes sending, by the server system, the payment transaction data to a PSP server using the corresponding URL for processing the payment transaction.

Abstract: A system and method are disclosed in which a symbol associated with an ATM of a plurality of ATMs is made available to a customer in response to a request for access to the ATM. The symbol identifies the ATM to the user in locations having multiple ATMs, thus avoiding confusion for the user. The symbol may be used for any of the possible transactions between the user and the ATM, such as balance inquiries, deposits, transfers, and cash withdrawals.

Abstract: In an enterprise computing platform, a voice transaction gateway enables electronic commerce vendors to request authorization of a customer's transaction requests without requiring the customer to provide financial and other sensitive information, such as credit card number and other personal information. Customers can pre-register with a voice transaction gateway using their phone number (PH #) to establish an account for authenticating the customer's transaction requests. The vendor invokes the voice transaction gateway to confirm the first and second authentication factors to authenticate the transaction requests using the customer's voice and without the vendor's involvement. The customer benefits from not having to provide sensitive information to the vendor and the vendor benefits from not having to risk liability associated with obtaining sensitive information from the customer.

Abstract: This disclosure relates to methods and systems for mobile payments, where financial transactions can be conducted between customers and merchants via mobile devices when the mobile devices are brought in close proximity to each other. A customer enters a payment authorization code on a mobile device in order to authorize payment transactions. The disclosed system design and functionality allows for intuitive, real time, inexpensive and secure payment and cash-exchange transactions.

Abstract: Provided are a payment card, system and method for storing and reading tokenized payment account information from a payment card. In an exemplary embodiment, a payment card may include a substrate forming a body of the payment card, and an electronic chip attached to or included in the substrate. According to various exemplary embodiments, the electronic chip may include a storage storing tokenized payment account information corresponding to a payment account linked to the payment card. The electronic chip may be read by a payment terminal and may provide the tokenized payment information to the payment terminal during reading.

Abstract: Provided is a method of providing a recommended card, the method including: receiving a radio signal from at least one access point around a device; selecting one from the at least one access point, based on a strength of the received radio signal; determining a card merchant corresponding to the selected access point; determining at least one recommended card regarding the determined card merchant from at least one card registered with the device, based on the card merchant and card benefit information of the registered at least one card; and providing the at least one recommended card.

Abstract: Digital transaction apparatus operable to perform at least one digital transaction with a least one digital transaction device, and further operable record at least one or more details regarding the transaction, the apparatus including a Data Assistance Device (DAD), including, a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with the data selected and transferred from the DAD to the DTC, wherein, the DTC provides data regarding the at least one digital transaction to the DAD and the DAD is operable to record at least one or more details regarding the at least one digital transaction.

Abstract: A combination payment system may be a worldwide payment method facilitated by a method which allows users to combine their different payment and financial assets into one amalgamated payment method, thus allowing a user to access and utilize their collective ability to pay. Users may use a combination payment system credit card or a Wi-Fi-connected device, such as mobile phone, tablet, laptop, desktop computer, etc., to make payments. Users may also be provided with digital membership loyalty rewards, which could be redeemed by a user. A user could use the digital loyalty rewards as cash to make purchases or a user could sell the digital loyalty rewards to other users for cash. The combination payment system is also provided with a combination payment platform, which may be an interface through which users may utilize all functions of the combination payment system.

Abstract: A cross-wallet system generate a cross-platform key or a virtual account number for a first digital wallet provider to be used by the consumer when the consumer wishes to send payment to a second digital wallet provider with which the consumer does not possess an account. Moreover, the virtual account number, in one example, may only include a partial set of card number that does not include the typical set of card number. The virtual account number created by embodiments of the invention further enable security features that prevent fraud and protect the consumer's financial assets.

Abstract: Described herein is a system for automatically reissuing a prepaid device for an expired account upon detecting a funding event associated with the expired account. An account may be expired upon determining that one or more expiration conditions have been met. An event handler may be configured to receive events. Upon identifying a funding event associated with an expired account, the event handler may initiate a reissuance process for a prepaid device associated with the account.

Abstract: The present invention provides a method and system for verifying and tracking identification information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

Abstract: A method of increasing security of digital assets stored in an isolated device by associating the isolated device with a plurality of accounts of the user each configured to store a limited value of digital assets, each of the plurality of accounts is assigned an asymmetric cryptographic key pair (comprising a unique private key encrypting the respective account and a corresponding public key identifying the respective account), transmitting, via a unidirectional secure channel, the public key assigned to each of the plurality of accounts to one or more computing nodes connected to a network community regulating the digital assets and transferring a value of the digital assets by transmitting, to one or more of the computing nodes, the private key of one or more of the plurality of accounts cumulatively storing the transferred value thus releasing the limited value stored in the respective account(s).

Abstract: Systems and methods for blending a plurality of FX forwards may include determining a signed sum of notional values associated with each of the primary currency component and the settlement currency component of each of the plurality of FX forwards for use in blending the plurality of FX forwards, each of the plurality of FX forwards having matching economics and a different associated fixed rate. A computing device may determine one or more remnant FX forwards to blend the plurality of FX forwards based, at least in part, using the determined sums of the notional values. This may reduce the gross notional and/or the total clearing line items associated with the original FX forwards. In some cases, the computing device may determine a single currency FX forward for blending the plurality of FX forwards.

Abstract: The present disclosure relates to methods and systems to settle a transaction involving a plurality of digital assets, comprising receiving a notification of a proposed transaction comprising a plurality of proposed component atomic transactions that atomically transfer at least a portion of the plurality of digital assets from one or more transferring nodes to one or more receiving nodes. The method further comprises at least in part determining or verifying that each transferring and receiving computer node is cryptographically authorized to receive and/or transfer at least some of the plurality of digital assets, and that each transferring and receiving computer node has a sufficient amount of the plurality of digital assets. The method further comprises sending an authorization notification to at least one execution node to transfer the plurality of digital assets from the transferring computer nodes to the receiving computer nodes to settle the proposed transaction.

Abstract: Method, systems, and apparatus for receiving transaction data for the payment transaction, where the transaction data includes at least card track data; encrypting the transaction data at the data processing apparatus using an encryption key of a cryptographic key pair to generate encrypted transaction data, where the cryptographic key pair includes the encryption key and a decryption key; storing a plurality of copies of the encrypted transaction data in a plurality of storage devices; receiving an instruction to submit the transaction data for processing; decrypting the encrypted transaction data using the decryption key; and submitting the transaction data for processing by an issuer.

Abstract: A system that includes a fuel dispenser terminal and a remote controller. The fuel dispenser terminal is configured to generate a service request for a fuel purchase that includes card information, encrypt the service request, and send the encrypted service request to the remote controller. The fuel dispenser terminal is further configured to receive a personalized offer in response to sending the encrypted service request and display the personalized offer. The remote controller is configured to decrypt the service request to identify the card information associated with a customer and determine an identity of the customer based on the card information. The remote controller is further configured to generate a personalized offer for the customer based on their identity and send the personalized offer to the fuel dispenser terminal. The remote controller is further configured to re-encrypt the service request and send the re-encrypted service request to a service processor.

Abstract: Methods and systems are presented for reducing false positives in detecting profiles that are connected to an entity within a list of entities. A set of profiles may be matched with the entity based on information associated with the entity. The information associated with the entity may be enriched based on common attributes that are shared among the entities within the list. A machine learning model may be used to determine a likelihood that a matched profile is connected to the entity based on the enriched information. Profiles having corresponding likelihoods below a predetermined threshold may be removed from the set of matched profiles. The matched profiles may be clustered around the entity based on a set of attributes derived from the enriched information, and profiles that fall outside of the cluster may be further removed.

Abstract: Aspects of the disclosure relate to electronically detecting and responding to a security risk associated with a non-electronic transaction. These aspects include recording and storing a video of a customer entering a financial institution (FI). Upon review of the video, the method confirms that the customer is a legacy customer and then deletes the video, or confirms that the customer is a non-legacy customer. If the customer is a non-legacy customer, the method stores the video for an amount of time sufficient to quantify a security risk associated with the customer. The method may then use an input device including at least one customer-imperceptible biometric sensor to retrieve information about the customer. The method compares the stored video to the biometric information to adjust a level of the security risk associated with the customer or transaction. If the security risk is lower than a threshold, the method may delete the video.

Abstract: One embodiment provides a method and system for managing risk-control commands. During operation, the system can obtain statistics associated with a plurality of risk-control commands issued by a risk-control system corresponding to a plurality of transactions on an online financial platform, and determine, based on the monitored plurality of risk-control commands, whether a subset of risk-control commands meets an anomaly condition. In response to determining that the subset of risk-control commands does not meet the anomaly condition, the system can forward the subset of risk-control commands to the online financial platform to facilitate the online financial platform in performing corresponding transactions according to the subset of risk-control command. In response to determining that the subset of risk-control commands meets the anomaly condition, the system can prevent the subset of risk-control commands from being forwarded to the online financial platform.

Abstract: In response to a request for risk assessment of a person-to-person (P2P) payment transaction, a risk assessment system returns a payer risk score, a payee risk score and a joint/fusion risk score. Risk scores are based on large amounts of data (including transaction data) provided by multiple financial institutions. The data is sorted and linked to individual people (e.g., common account holders), and assembled by a profile system into payee, payer and joint profiles for purposes of risk evaluation. A database associated with a profile system separately stores the profiles (and associated risk scores). Risk scores (payer, payee and joint) are provided for a transaction in response to a payer ID, a payee ID and transaction data.

Abstract: In an enterprise computing platform, a voice transaction application enables a customer to transact business with electronic commerce vendors using a voice-initiated transaction. A transaction can be authorized using the voice transaction application to initiate transactions with the vendor. A voice transaction gateway provides an interface between the vendor and a gateway to further authorize the transaction, including authenticating the transaction using a voice imprint of the customer's voice. Authorization of the transaction, including authentication and approval of the transaction, is accomplished without requiring the customer to disclose financial and other sensitive information to the vendor. The vendor benefits from not having to risk liability associated with obtaining sensitive information from the customer.

Abstract: In response to detecting that a user of a service provider requires assistance, a computer system determines a predicted user intent associated with the user based on monitoring activity associated with the user, and further determines that a first communication channel corresponds to the determined predicted user intent and causes a communication to be initiated with the user utilizing the first communication channel. The computer system determines a user-initiated intent based on analyzing input received from the user, and based on the user-initiated intent, determines if the user-initiated intent corresponds to the predicted user intent. In response to determining that the user-initiated intent does not correspond to the predicted user intent, the computer system determines that a second communication channel corresponds to the user-initiated intent and causes the communication with the user to be switched to the second communication channel.

Abstract: A method and system provide for automatically evaluating a request for regulatory compliance approval. The method makes use of historical data that includes information extracted from prior requests for regulatory compliance approval that have previously been submitted by multiple requesting organizations and information extracted from prior responses to the prior requests, provided by at least one regulatory body. A prediction model may have been trained on the historical data. A new request for regulatory compliance approval or new data for generating the new request is received from a requesting organization. New information is extracted from the new request or from the new data for generating the new request. Based on the extracted new information and the historical data (e.g., using the prediction model), a proposal for a response to the new request is generated. Access to the proposal is provided to a regulatory body reviewing the new request.

Abstract: Various embodiments are provided for intelligent application of operational rules to operational data in a computing environment by a processor. One or more operational rules may be extracted and formalized from a knowledge graph, a domain knowledge, or a combination thereof describing one or more operational policies and conditions. The one or more operational rules may be applied to operational data to identify and filter non-compliant operational data.

Abstract: A system and method for hidden security feature detection, analysis and authentication using a smart device is disclosed. The smart device can detect and analyze hidden security features using the camera capability of the smart device to capture a digital image, and then analyze and authenticate that image using a security service including a database of security feature data, processing rules, and other information. The security service can support a variety of smart devices and security features. The smart device includes a security-specific autofocus function that allows the smart device to be positioned within a range of distances and angles from a target document that includes hidden/covert security feature(s). The smart device can display an enhanced image showing the hidden security feature(s) and/or report if the security feature is valid or invalid, along with related information, via beeps, vibration, display, text messaging, or other reporting capabilities.

Abstract: A central database system receives information associated with an employee from an employer. Using this information, the central database system can provision one or more user accounts for the employee, for instance via an API of an account provider. The central database system can use a machine learned model to identify fields of the API and to translate the information associated with the employee based on information requirements associated with the API. When a characteristic of the employee, such as the employee's title, subsequently changes within the central database system, one or more features associated with the user account can be automatically updated in response to the change.

Abstract: A product authentication system is described comprising a distributed ledger on which authentication data and ownership data for a product is stored. An ownership module is configured to add ownership data to the distributed ledger upon receipt of an ownership update request from a registered user. An authentication module is configured to i) query the authentication data and ownership data on the distributed ledger upon receipt of an authentication request from a user and to ii) relay an authentication response to the user wherein the authentication response indicates whether the product is authenticated and, if authenticated, identifies an owner of the product. A method of product authentication is also described.

Abstract: Disclosed are a blockchain ledger-based evidence acquisition method and apparatus. A user (party to a lawsuit) can operate user equipment to record one or more of the user's behavior and voice into a multimedia file and then send the multimedia file to a service device, so the service device constructs a target transaction based on the multimedia file and broadcasts the target transaction to a blockchain network for each node in the blockchain network to add the target transaction to the blockchain based on a consensus mechanism. As such, multi-party storage of the multimedia file is realized.

Abstract: New techniques for stowing and rapidly shipping valuables from a variety of retail stores are provided. In some aspects of the invention, a new form of coded shopping bag, configured to covert to a box (a.k.a. a “BagBox”) for on-location holding and/or shipping is provided. Systems and methods for BagBox conversion, stowing and/or shipping via specialized kiosks are provided. Billing methods based on the coding and recorded user preferences are also provided.

Abstract: Embodiments of the disclosure provide a page data acquisition method, apparatus, a server, an electronic device and a computer readable medium, and relate to the field of computer technology. The page data acquisition method includes communicating with a server, and obtaining configuration information from the server. Configuration information includes control information. The page data acquisition method includes traversing the controls in a current page, and for each of the controls, judging whether the control is one indicated by the control information in the configuration information, setting a listener for the control in response to the control being one indicated by the control information in the configuration information, and performing behavior data acquisition on the control by the listener.

Abstract: An online survey platform and process for correlating the bid price offered by a supplier for the completion of an out-of-network survey hosted on the survey platform to one or more intrinsic value indicators of the survey. If the supplier's bid price is less than or equal to the survey budget price set by the buyer, then the routing platform of the present invention will route the supplier's respondent(s) to the survey.

Abstract: Reduction in latency between question submissions and response submissions in a question and answer based customer support system is reduced by facilitating the use of mobile devices by customer support personnel to submit question responses. The answerability of a question from a mobile device is predicted by analyzing the attributes of the question itself before the answer is generated. Questions being entered into the question and answer based customer support system that are conveniently answerable from a mobile device are routed to a mobile question and answer queue that enables mobile device users to review and respond to the mobile device answerable questions. A question is determined to be answerable from a mobile device if a predicted answer to the question has a length that is within a predetermined threshold, so that customer support personnel are not burdened with generating long responses from mobile devices.

Abstract: Provided herein are systems, methods and computer readable media for managing a sales pipeline, and in some embodiments, calculating supply based on travel propensity. An example method comprises identifying a total demand for a promotion tuple at a geographic location, determining, using a processor, a promotion area for the promotion tuple, the promotion tuple comprising at least a category, price information and a geographic area, identifying one or more promotions offered by a promotion and marketing service that comprise at least the category and the price information of the promotion tuple, determining whether the total demand for the promotion tuple at the geographic location is satisfied, wherein the total demand is satisfied in an instance in which the geographic location is within the promotion area for the one or more promotions, and identifying a demand gap in an instance in which the total demand for the promotion tuple at the geographic location is not satisfied.

Abstract: An information collection system is configured to collect information from information providers. The information collection system includes a first communication terminal to be owned by one of the information providers, and a server configured to perform communication with the first communication terminal. The first communication terminal includes an input interface to which the information is input, and a first transmitter configured to transmit the input information with an ID of the information provider. The server includes a storage device configured to store the information transmitted from the first communication terminal, an evaluator configured to evaluate the information stored in the storage device, and a reward calculator configured to calculate a reward in accordance with an evaluation made by the evaluator and to add the calculated reward to a total reward to be given to the information provider identified by the ID attached to the evaluated information.

Abstract: Disclosed are techniques for achieving high-volumes of low-latency price plus discount transactions that are dynamically created through transaction optimization. Aspects may include combining and optimizing different types of discounts into a single discount and dynamically controlling the single discount through a single user-facing transaction. A computer model may determine one or more transactions and sets of discounts applicable to those transactions upon which the user-facing transaction and single discount are based. Associations between discounts and items may be determined for at least some different types of discounts to apply a set of discounts including at least two different discounts of different discount types to a desired transaction for one or more items. Aspects may include determining a discount transaction comprising a plurality of constituent transactions that form a single user-facing transaction.

Abstract: A method for issuing coupons to a plurality of target users is provided. For each of the plurality of target users, the method may include determining a predicted value of a group indicator of the target user in a predetermined period. The method may further include grouping the plurality of target users using a plurality of grouping strategies. For each of the grouping strategies, the method may further include determining a candidate coupon issuing strategy. For each of the candidate coupon issuing strategies, the method may further include obtaining user feature information of one or more target users in each group corresponding to the candidate coupon issuing strategy. For each of the candidate coupon issuing strategies, the method may further include predicting an ROI of the candidate coupon issuing strategy based on an RO prediction model and the corresponding user feature information.

Abstract: A system can determine that a mobile device, located at a physical place of business transmits a first electronic communication for redemption of an electronic offer at the physical place of business. The system can further detect a second electronic communication transmitted from the mobile device, which indicates a first identifier. The first identifier can be associated with a verifier of the electronic offer (e.g., a staff member) at the physical place of business. The system can further determine, based on analysis of the first identifier, a second identifier (e.g., contact data, a telephone number, etc.), that corresponds to the verifier, without providing the second identifier to the mobile device. The system can further electronically transmit, utilizing the second identifier, a third electronic communication that indicates information about the redemption of the electronic offer.

Abstract: Technologies for providing consumer loyalty to merchants are provided. Payment transactions are monitored based on communications received from point of sale systems of merchants. Based on loyalty-based rules for the merchant, the purchase transaction can be modified to provide a stored benefit to the consumer. Tracking loyalty-based activity based on payment transactions can reduce the necessity for consumer involvement or registration with a merchant's loyalty program while increasing a merchant's ability to provide the consumer in meaningful marketing engagements.

Abstract: Embodiments of the present invention provide methods, systems, apparatuses, and computer program products for classifying merchants. In one embodiment a method is provided comprising providing, a first promotion specifying a redemption and a charge monetary values, the redemption monetary value being specified by redemption parameters of the first promotion and a value indicative of a total amount of funds purchased in response to accepting an instance of the first promotion, wherein the funds purchased can be redeemed for offerings of one or more merchants specified by the promotion, the charge monetary value being a monetary value charged for accepting the first promotion, and providing a first classification classifying the first promotion as a promotion having a redemption monetary value that may be used to purchase offerings of the one or more merchants over the course of multiple transactions.

Abstract: A presence of a consumer transacting at a transaction terminal is detected. Content for the transaction terminal is played as media on the transaction terminal. When an identity of the consumer is resolved, the content is switched to new content that is targeted/customized to the consumer and is played as new media on the transaction terminal. When a transaction concludes, the media play is stopped. Statistics for the transaction and media play are retained for tracking and reporting.

Abstract: A system for tracking telephone calls made in response to advertising campaigns in electronic or other media is provided. The system permits an advertiser to associate specific and distinct telephone numbers with associated advertising campaigns. The system further modifies advertiser-provided information in response to the advertising campaign to which a potential customer responds, and includes the associated telephone number in the modified advertiser information. The system processes telephone calls made to the selected telephone numbers, and provides reports to advertisers of call data associated with the respective advertising campaigns.

Abstract: The present invention relates to methods for evaluating the effectiveness of all types of communication carried on offline communication media so as to generate data equivalent to the data obtained in online communication media. The present invention uses tangible tools such as fixed-line telephones, cellphones, computers, tablets and any other wearable mobile device to generate that data that will be used in media plans that are much more precise and efficient than the plans currently known. Finally, the present invention relates to said media plan obtained using one of said methods as well as the purchase of optimized media.

Abstract: Techniques for presenting a content item with a media item are described. The techniques include receiving user input indicating a placement preference for a content item to be presented with a media item. The placement preference indicates a presentation preference of the content item relative to presentation of the media item. The placement preference is used to influence selection of a media item with which the content item is to be presented.

Abstract: In general, embodiments of the present invention provide systems, methods and computer readable media for recommending contextually relevant promotions to consumers in order to facilitate their discovery of promotions that they are likely to purchase from a promotion and marketing service.

Abstract: The present invention relates to a mobile advertisement providing system, and more specifically to technology for a mobile advertisement providing system which includes an information display button and displays content and advertisement information provided onto a current screen in response to the manipulation of the information display button.

Abstract: A behavioral analysis device acquires designated location information regarding a location of a place designated in advance. The behavioral analysis device acquires a history of terminal location information regarding a location of terminal, user identification information associated with the terminal location information, and a history of operation information indicating at least one operation behavior taken through at least one terminal operation of a user having the identification information.

Abstract: A system, method, device, and platform for generating targeted advertisements. Transaction information for a user is received. The transaction information associated with the user is verified. The information is reconciled with advertising data associated with the transaction information. Targeted advertisements are created based on the available advertising data. The targeted advertisements are communicated to the user.

Abstract: Home screen contents may be provided simultaneously while a communication terminal switches to an active mode from an inactive mode. The home screen contents correspond to an application installed in the communication terminal, and a user may set an application which desires the home screen contents to selectively receive the home screen contents.

Abstract: A segment targeting system generates target segment audiences for delivery of digital content. The segment targeting system generates hit recency and frequency summary data, which identifies hit recency and hit frequency for each of multiple cookie identifiers that satisfied a metric in at least one of multiple segments and in a time range in user specified target segment audience criteria. At least a portion of this summary data is used to train a machine learning system. The machine learning system can include multiple machine learning models, with each model being associated with a different false positive to false negative penalty ratio modelling parameter when learning recency and frequency combinations of hits on webpages in each segment that work well to separate cookie identifiers that satisfied a metric for an offering in a target segment and cookie identifiers that satisfied a metric for an offering in other segments.