Abstract: A server can include an application programming interface that can determine a data system, among a first financial account data system and a second financial account data system, with which to execute a requested function received via a common user interface. The requested function can be caused to be executed using the data system and the first process or the second process. The operations also include providing a result from execution of the requested function to be outputted for display via the common user interface. The common user interface can provide integrated labeling for receiving data to allow requested functions to be executed using different processes associated with the first financial account data system and the second financial account data system using the integrated labeling.

Abstract: A loyalty switch for examining loyalty messages and routing the loyalty messages to one or more loyalty hosts and examining responses and routing the responses back to stores. Such a switch has configurable number of selector handlers pool, and the switch accepts a connection from stores and reads loyalty host information from master data to establish the connection with a loyalty host and to route messages. Each selector handler in the switch has multiple store objects that contain a routing map and connection information from companies' sites and the loyalty host.

Abstract: A fraud detection platform may receive transaction data relating to a transaction conducted by a user with a transaction card. The fraud detection platform may receive, from a biometric sensor of the transaction card, biometric data relating to one or more biometric characteristics of the user during the transaction. The fraud detection platform may receive, from an accelerometer of the transaction card, card movement data relating to a measure of shaking of the transaction card by the user during the transaction. The fraud detection platform may process the transaction data, the biometric data, and the card movement data, with a fraud detection model, to determine a fraud score associated with the transaction. The fraud detection platform may perform one or more actions based on the fraud score.

Abstract: A payment card benefit assessment system and method includes a computing device accepting payment card benefit catalog information from a payment card issuer and payment card transaction data from a payment card processing network. The payment card transaction data is analyzed to group cardholders into one demographic clusters and to determine an estimated benefit value for each of the demographic clusters. Individualized payment card benefit options are presented to an individual cardholder based on the individual cardholder's payment card transactions and the determined estimated benefit value for a corresponding one of the plurality of demographic clusters.

Abstract: A method and system of providing users with session-specific layouts during access of an application based on contextual data. The system identifies contextual data for each application access session and associates the contextual data with a particular in-app activity. The in-app activity corresponds to a task that is typically performed by the first user when the specific contextual data is detected. The contextual data can include location data, time and date data, and device type data.

Abstract: A system for tracing members of an animal population throughout a process including moving at least some of the members between a plurality of physically separate locations, the system comprising: a plurality of identification devices, each being attached to, and uniquely identifying, a respective member of the members; a plurality of identification device readers, each capable of being located at a respective physically separate location of the physically separate locations, and each capable of reading the identification devices to uniquely identify the respective member; a data repository comprising one or more records, each of the records (i) being associated with a respective member of the members, and (ii) including a unique animal identifier associated with the identification device attached to the respective member of the members; and a processing circuitry configured to perform a process for storing location change records indicative of location changes of the members during the process.

Abstract: An identification validation system and method may include detecting that a first age restricted item has been selected for purchase at a first point of sale by a user, determining that an age validation is not enabled, requiring that the user submit an identification instrument to verify an age of the user, after the purchase is complete, prompting the user to enable the age validation feature of the mobile wallet application of the user mobile device, directing a software application loaded on the user mobile device to access at least one biometric data input functionality of the user mobile device to capture the at least one biometric of the user, and comparing biometric features of the user captured by at least one camera.

Abstract: Provided is a system, method, and apparatus for generating analytics with structured query files. The method includes the steps of generating at least one graphical user interface configured to receive query parameters from a user for querying transaction data, generating a request file based on the query parameters, the request file including a request definition object and a segment object, processing the request file to query at least one transactional database based at least partially on the request file, and generating a response file including transaction data based on a return from the query of the at least one database, the response file structured based on the request definition object from the request file.

Abstract: Point of sale (POS) devices, systems, and methods disclosed herein enable payments by merchants to non-customers, such as to employees of the merchant. A point of sale system of the merchant determines an amount of a payment to be made by the merchant to the employee. The point of sale system transmits payment instructions for executing the payment to a payment system provider computing system. The funds are made available in a bank account of the employee instantly or near instantly.

Abstract: For communicating between an Internet of Things (IoT) device and a remote computer system, the IoT device may transmit an upload data message via a close range communication circuit to a mobile communication device, for forwarding to the remote computer system. The remote computer system may receive the upload data message via a mobile radio communication network and store an address of the mobile communication device, as a communication relay address for the IoT device. The remote computer system may transmit a download data message via the mobile radio communication network to the communication relay address, for forwarding to the IoT device. The IoT device may receive the download data message from the remote computer system, as forwarded by the mobile communication device via the close range communication circuit.

Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that perform a real-time delegated approval of initiated data exchanges by network-connected devices. For example, an apparatus determines determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange, and generates and transmits a first signal to a communications device associated with a second data type available for use in the data exchange and associated with the first data type. The apparatus receives, from the communications device, a second signal that includes information indicative of an approval of the second data type for use in the data exchange, and in response to the received approval, the apparatus performs the data exchange using the second data type and in accordance with the parameter value.

Abstract: The present invention discloses a disruptive low capital and operational cost logistics system and method that provides for fast and massive delivery of e-commerce merchandise, including same day delivery, of thousands of items and packages, in extensive geographical areas, such as whole states, countries and continents, reducing the need for building, operating, or using multiple fulfillment warehouses located near the consumers as in traditional e-commerce logistics, creating a revolution in the e-commerce industry worldwide. In a disruptive manner, the systems and methods of the present invention facilitate the logistics for e-commerce delivery processes, and also may allow at the same time reducing the use of massive quantities of cardboard packages that are used for protection and containment for e-commerce orders, being sustainably beneficial for the e-commerce market, the environment, and the consumer.

Abstract: Disclosed are systems, methods, and apparatus of an automated and self-service kiosk that allows customers to select inventory items available from the kiosk and walk or move away with selected inventory item(s) without having to process payment, identify the inventory item(s), or provide any other form of checkout. After a customer has picked one or more items and departed the kiosk, the picked items are determined and the customer charged for the items. For example, one or more of detected weight changes measured at the kiosk and/or images generated at the kiosk may be used to identify items picked by the customer from the kiosk.

Abstract: A radio frequency identification (RFID) automatic vehicle identification (AVI) system configured to mitigate signal interference, the system comprising a plurality of RFID readers, comprising a first RFID reader and a second RFID reader; and a plurality of antennas, wherein a first antenna is connected to the first RFID reader and a second antenna is connected to the second RFID reader. Prior to the first RFID reader transmitting a signal through the first antenna, the first RFID reader samples a received radio frequency (RF) signal from the first antenna, and if the received RF signal meets predetermined strength and frequency criteria, the first RFID reader inhibits transmission of the signal through the first antenna.

Abstract: An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device an applet configured to generate a digital tag; receiving a request at the first device for information; configuring the digital tag to be associated with at least one of (i) an application or (ii) an input on a second device, such that receipt of the digital tag by a second device causes the application to launch on the second device; and emitting from the first device a digital tag.

Abstract: An apparatus, including a transaction terminal including an input device or receiver which inputs or receives information regarding an account and transaction information, a camera or video recording device which obtains or records a photograph or video clip of an individual involved in the transaction, and a processor, and a central processing computer including a database and a display which displays information or data to a user or operator. The apparatus transmits a notification message to a communication device associated with an account holder of the account. The central processing computer provides for a retrieval, by the user or the operator via the display, of the information regarding the transaction and the photograph or the video clip of the individual involved in the transaction.

Abstract: A computer-implemented method for processing test financial transactions that includes accessing, via a remote-control server, transaction data corresponding to a test run. The transaction data is transmitted via the remote-control server and received at a mobile application API of an electronic device. The transaction data is passed to a payment application of the electronic device. A cryptogram corresponding to the transaction data is generated via the payment application and transmitted for submission to a payment network. A transaction response corresponding to the test run is received at the remote-control server.

Abstract: A biometric sensor module for detecting a biometric feature of a user comprises: a biometric sensor comprising an array of sensing elements for acquiring sensing signals indicative of a biometric feature of a user, the array of sensing elements arranged facing towards a front side of the biometric sensor. Further, the biometric sensor module comprises a bottom flexible film attached to a back side, opposite the front side, of the biometric sensor. The bottom flexible film can carry at least one electrically conductive line electrically connectable to the biometric sensor and electrically connectable to an external electrical circuit. The biometric sensor module further comprises a top film attached to the biometric sensor closer to the front side of the biometric sensor than the bottom flexible film. The flexible film includes a bent portion such that the flexible film is bent towards the top film.

Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.

Abstract: Systems and methods are disclosed for associating a player identifier with a financial account. The financial account can holds funds that are accessible through the player's use of a payment vehicle. Information associated with transactions using the payment vehicle can be used for player relationship purposes.

Abstract: Systems, methods, apparatuses, and computer-readable media for secure management of accounts on display devices using a contactless card. An application executing on a display device may receive a request specifying a service provider. The display device may receive a cryptogram generated a contactless card, and transmit the cryptogram to an authentication server. The authentication server may decrypt the cryptogram and generate a virtual account number associated with the contactless card. The authentication server may transmit the virtual account number to the service provider, which may create an account based at least in part on the virtual account number and the decryption of the cryptogram by the authentication server. The display may receive an authentication token generated by the service provider for the account, and access the account created by the service provider based at least in part on the authentication token.

Abstract: Embodiments described herein provide for a fraud detection engine for detecting various types of fraud at a call center and a fraud importance engine for tailoring the fraud detection operations to relative importance of fraud events. Fraud importance engine determines which fraud events are comparative more important than others. The fraud detection engine comprises machine-learning models that consume contact data and fraud importance information for various anti-fraud processes. The fraud importance engine calculates importance scores for fraud events based on user-customized attributes, such as fraud-type or fraud activity. The fraud importance scores are used in various processes, such as model training, model selection, and selecting weights or hyper-parameters for the ML models, among others. The fraud detection engine uses the importance scores to prioritize fraud alerts for review.

Abstract: An information processing apparatus includes a first image receiver configured to receive a first image captured by an imaging apparatus in which a user of an electronic device and the electronic device are captured; a first user identifier configured to identify a first user from the first image; a usage information receiver configured to receive, from the electronic device, usage information based on an operation of the first user identified by the first user identifier; a second image receiver configured to receive a second image captured by the imaging apparatus in which a settlement apparatus and a second user capable of using the settlement apparatus are captured; a second user identifier configured to identify the second user from the second image; and a usage information transmitter configured to transmit the usage information to the settlement apparatus, based on the identified first user and the identified second user.

Abstract: Systems and methods related to point-of-sale devices are disclosed. In an embodiment, a point-of-sale system includes a base stand having a receiving interface that includes first electrical contacts. The POS system may further include a computing device having a user interface, a docking interface comprising second electrical contacts, wherein the docking interface is configured to removably dock the computing device to the receiving interface of the base stand such that the first electrical contacts of the computing device are in contact with the second electrical contacts of the base stand. The computing device may further include a card reader configured to receive and read a card when inserted into the card reader and a scanner configured to scan machine-readable codes. The computing device may be configured to extend or enable various functions of the base stand when the computing device is docked to the base stand.

Abstract: The information processing apparatus includes a display. The information processing apparatus accepts user operations via a GUI (graphical user interface) displayed on the display. When the service ends, the forgotten item notification screen is displayed on the display. In the forgotten item notification screen, a forgotten item reminder unit is provided for reminding a user who left behind a reminder target item, including the property of the user used in connection with the service. An individual reminder section is provided in a forgotten item reminder unit, to give an individual reminder to prevent the occurrence of leaving behind of each reminder target item, for a first-type item for which retrieval cannot be detected and a second-type item for which retrieval can be detected but which has not been retrieved, from among the reminder target items.

Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and transmitting a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The token and the transaction cryptogram can be transmitted to a magnetic stripe reader by generating an emulated magnetic signal. The LUK may be associated with a set of one or more limited-use thresholds that limits usage of the LUK, and the transaction can be authorized based on at least whether usage of the LUK has exceeded the set of one or more limited-use thresholds.

Abstract: The present application discloses a method and an apparatus for migrating payment card, an electronic device, a server and a medium. The method for migrating payment card includes: receiving payment card migration operation after an account is logged in on the first electronic device; displaying, in response to payment card migration operation, at least one device identifier which is an identifier of a target electronic device on which the account had been logged in; receiving a first selecting operation for a target device identifier of the at least one device identifier; and sending, in response to the first selecting operation, the target device identifier to a server, to cause the server to migrate a payment card bound to a second electronic device to the first electronic device, wherein the second electronic device is an electronic device corresponding to the target device identifier of at least one target electronic device.

Abstract: An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device an applet configured to generate a digital tag; receiving a request at the first device for information; configuring the digital tag to be associated with at least one of (i) an application or (ii) an input on a second device, such that receipt of the digital tag by a second device causes the application to launch on the second device; and emitting from the first device a digital tag.

Abstract: Aspects of the disclosure relate to geocoding geocode datasets in KYC blockchain data blocks for spatial analytical risk modeling. In some embodiments, a computing platform may receive a client request to initiate a transaction with an enterprise organization. Using financial documentation and identification documentation associated with the client request, the computing platform may generate geocode coordinates and may identify a series of geographic risk factors. The computing platform may translate the geocode coordinates and the geographic risk factors into analytical overlays. The computing platform may stack the analytical overlays to generate an interactive spatial risk analysis model. The enterprise organization may use the interactive spatial analytical risk model to analyze the client request, and to determine whether to approve or deny the client request.

Abstract: An application on a mobile device is informed of a relative position of each of a plurality of security devices within a building space by placing an icon for each of the plurality of security devices at a location on a floor plan that corresponds to the physical location of the corresponding security device. A scannable code encoding configuration information for the particular security device is scanned and saved using the mobile device. Additional configuration information for the particular security device is received from a user and is saved. These steps are repeated for each of the plurality of security devices. The saved first and second configuration information for each of the plurality of security devices are uploaded to a remote server and the building control system is operated using the uploaded first and second configuration information.

Abstract: A fixed retail scanner and related methods comprises imagers configured to capture image data, and a processor operably coupled to the imagers. The processor configured to provide image data from at least some of the imagers in real-time during a transaction to a decoder within the data reader for decoding an optical code on an object within the image data, generate annotations for the image data based on an analysis of image content of the image data to generate annotated image data, and provide the annotated image data from at least some of the imagers to an external system in real-time during the transaction.

Abstract: A watch can include a watch body and a band for securing the watch to the user. The watch body can detect an identification of the band or combination of band portions, which can serve as an input to initiate actions performed by the watch body. For example, a type, model, color, size, or other characteristic of a band can be determined and used to select a corresponding action performed by the watch body. Identification of the band can be performed by components of the watch body that also serve other purposes. The watch body can respond to the identification of a particular band by performing particular functions, such as changing an aspect of a user interface or altering settings of the watch body.

Abstract: Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: Provided are approaches for providing multiple user accounts in a same transaction card assembly. The transaction card assembly may include a first card including a first card first side opposite a first card second side, the first card first side including a first pair of magnetic stripes and the first card second side including a first pair of identification chips. The transaction card assembly may further include a second card coupled to the first card, the second card including a second card first side opposite a second card second side, the second card first side including a second pair of magnetic stripes, and the second card second side including a second pair of identification chips. The first and second cards are slidable relative to one another between multiple positions to selectively expose and cover each identification chip of the first and second pairs of identification chips.

Abstract: In one embodiment, a luggage article (100) is disclosed. The luggage article (100) includes a shell (102) with forming an internal storage volume (166). A recess (140) is formed in the shell (102) and includes a base wall (152) that defines a substantially planar surface (142), and a first peripheral wall (144) that at least partially surrounds the base wall (152) and forms a peripheral shape (146) in the shell (102). The luggage article (100) includes an identification tag assembly (112) including: a display body (122) defining a second peripheral shape (150) and configured to receive an information element (128) configured to display information (164), and a first attachment element (130); a second attachment element (132) coupled to the shell (102) proximate to the recess (140). The first attachment element (130) and the second attachment element (132) together releasably secure the display body (122) to the shell (102) in the recess (140).

Abstract: In a transaction between a merchant and a payer, approval of the transaction may be provided by a payment processing system using authentication information provided from a mobile device of the payer. The authentication information may include a location of the payer mobile device which may be compared to a location of a merchant payment device such that the transaction is approved if the payer mobile device is within a defined distance of the merchant payment device.

Abstract: This application relates to a boarding pass processing device. In one aspect, the device includes a communication unit for communicating with a central server and a boarding pass recognition unit for recognizing a boarding pass held by a passenger. The device may also include a boarding processing unit for, if procedure information relating to whether a passenger holding a boarding pass recognized by the boarding pass recognition unit has gone through a procedure required for boarding an airplane is obtained from the central server through the communication unit, processing whether or not the passenger holding the recognized boarding pass has boarded the airplane, on the basis of the obtained procedure information.

Abstract: An offline transaction is conducted using a primary electronic device or a secondary electronic device communicatively coupled to the primary electronic device. A geographical zone where Internet connectivity is unreliable is determined for the primary electronic device. A detection is made that the primary electronic device is about to enter the geographical zone. In response to the detecting, an amount of funds is made electronically available offline for the primary electronic device. An offline electronic transaction is conducted using the primary electronic device based on the amount of funds. The offline electronic transaction is conducted within the geographical zone.

Abstract: A method of controlling an electronic device including a memory and a removable smart card. The method involves the device sending a request for context data to the smart card. The smart card sends context data to the device in response to the request and stores this data in the memory and power to the smart card is reduced. Power to the smart card is then increased or restored, and the data is written back to the smart card.

Abstract: A contactless card useful for adjusting the operation, configuration, and/or performance of a secondary device is described. The contactless card is equipped with a communication interface which allows the contactless card to transmit information to the secondary device using NFC signals. The contactless card stores accommodation information related to a physical accommodation desired by the user and transmits that information in the form of an accommodation message to the secondary device after being placed in a NFC field generated by the secondary device. In some embodiments, the contactless card requests an authentication certificate in order to determine a degree of trust prior to sending an accommodation message. In some embodiments, the contactless card may adjust what accommodation information is included in the accommodation message based on the authentication certificate received from the secondary device.

Abstract: A mobile application gateway for connecting devices on a cellular network with individual networks, such as enterprise voice and data networks and/or residential networks. The effects of the present invention are far reaching in terms of transferring effective call control from the cellular network into the control of the individual network such as the enterprise, and enabling new business models for the purchase of cellular service from a public cellular carrier by an enterprise. The invention may consist of a primarily of core network and services components based on the IMS network architecture, and is backward compatible to support legacy systems in place in current telecom and data networks.

Abstract: A calibration fixture provides a repeatably accurate tool for measuring offset angles between measurement axes for inertial measurement units (IMUs) used in motion capture. The measured offset angles may be used to correct angles measured by the IMUs to create a biomechanical skeleton that accurately represents movements of a motion capture subject. The disclosed embodiments are applied segments of a biomechanical skeleton providing a mathematical model of a human arm and hand.

Abstract: Various embodiments are generally directed to utilizing a steganographically encoded image with an offline and/or online verification or authentication protocol. A method for using the steganographic image can include: receiving or utilizing a steganographic image associated with a user at a third-party device, the steganographically encoded image including an identification of a user steganographically encoded with a fingerprint template of the user, and authenticating the user using the steganographically encoded image.

Abstract: A digital wallet generation system may include a user device associated with a given user and configured to acquire an image of a health insurance card associated with the given user. The health insurance card may have a unique identifier (UID). The system may also include a digital wallet server configured to generate a digital wallet for the given user based upon the UID, and communicate with a health insurance provider server associated with a health insurance provider to determine at least one of an available product and service provided by the health insurance provider for the benefit of the given user and paid by the health insurance provider based upon the UID. The server may also be configured to generate a digital coupon having a redeemable value redeemable toward the at least one of the available product and service, and store the digital coupon in the digital wallet.

Abstract: A power management circuitry for a peripheral electronic device includes a power regeneration circuitry, a power selector, a power switch and an audio signal detection circuitry. The power regeneration circuitry receives a continuous periodic sound wave from an audio device and converts the continuous periodic sound wave into an amplified DC electrical signal. The power source selector receives the amplified DC electrical signal and input from a primary power source and provides a power signal output. The audio signal detection circuitry receives the amplified DC electrical signal and transmits a wake-up signal to the power switch circuitry. The power switch circuitry is turned on by the wake-up signal and connects the power source selector to the peripheral electronic device main circuitry and transfers the power signal output to the peripheral electronic device main circuitry.

Abstract: Embodiments of the present disclosure relate to methods, devices, a computer readable storage medium and a computer program product for processing or managing a blockchain transaction. In a method for processing a blockchain transaction, a blockchain node of a blockchain for processing the blockchain transaction receives a transaction request, the transaction request indicating at least a initiator of the transaction, transaction content and a transaction recipient of the transaction. The blockchain node computes, based on the transaction content, a transaction fee for processing the transaction. The blockchain node determines whether the initiator of the transaction is a sponsored user of the transaction recipient, and determines a payment account from which the transaction fee is deducted in response to determining that the initiator of the transaction is a sponsored user of the transaction recipient.

Abstract: A transaction card is provided. The transaction card can include a top layer, a first intermediate layer, a middle layer, a second intermediate layer, and a bottom layer. Contact pads can be disposed in the top layer and bottom layer and can be electrically connected to each other via the first intermediate layer, the second intermediate layer, and the middle layer to provide an electrical connection to the same chip. At least one of the contact pads can be coupled to an integrated chip disposed between the top layer and the bottom layer.

Abstract: A non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.

Abstract: An electronic book distribution system includes electronic devices that reset their passcodes after specified authentication failures. The passcodes of an individual electronic device is reset to a value that is generated using a predefined function of a randomly generated support code. The support code is displayed to the user, and the user is instructed to contact a support service in order to obtain the new passcode. The support service independently authenticates the user, calculates the new device passcode using the same predefined function used by the electronic device, and provides the new passcode to the user.