Abstract: A method for optimizing transaction authorization conversion rates includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions, generating authorization success factors for each of a plurality of payment transaction parameters based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated authorization success factors, and submitting the modified payment transaction to a financial institution for processing.

Abstract: A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.

Abstract: A method for supply chain management using mobile devices with a server on an electronic data network includes receiving identifying information for a product transmitted from a mobile device via the network, the server being periodically updated with product recall data. The server queries a traceability server via the network for master data and event data related to the product using the identifying information. The server processes the recall data, master data, and event data to produce product data which is output to the mobile device.

Abstract: Provided is a wearable device, including a base configured to be worn by a user, at least one data element at least partially positioned on or within the base and programmed or configured to have account data stored thereon, and at least one antenna including an open circuit, the at least one antenna at least partially positioned on or within the base and configured to transmit at least a portion of the account data and receive at least a portion of transaction data from at least one target device when the open circuit of the antenna is closed and becomes powered by at least one power source. Other expressions are also disclosed.

Abstract: A sensor device is provided that includes a fingerprint sensor and an antenna coupled with the fingerprint sensor for inductive coupling of the fingerprint sensor with a booster antenna.

Abstract: A method and system for authenticating a user based on a human-recognizable visual representation of biometric data of the user is captured using the digital camera, wherein a biometric feature descriptor is generated from the captured biometric data of the user, and the feature descriptor, together with a user selected user profile, is transmitted to an inspection server adapted for validating whether the transmitted biometric feature descriptor corresponds to a centrally stored biometric feature descriptor of biometric data of the user. If this is the case, the inspection server transmits an “authentication approved” signal together with user personalization data specified in the selected user profile to the inspection terminal.

Abstract: The disclosure herein describes management of transaction blocking schemes via a user interface. A transaction blocking scheme is receiving via the user interface from a user, including transaction blocking rules. The transaction blocking rules are applied to transaction data associated with the user. Transaction blocking scheme performance data is generated based on the application of the transaction blocking rules to the transaction data, including a quantity of transactions of the transaction data that are blocked by the transaction blocking rules. A visualization of the transaction blocking scheme performance data is displayed via the user interface and the user is prompted to provide a response based on the displayed visualization. Based on the response to the prompt, the transaction blocking scheme is activated for application to incoming transactions, whereby the transaction blocking rules are applied to incoming transactions to determine whether to block the incoming transactions.

Abstract: Disclosed herein is a system and a computer implemented method for managing associations between a plurality of entities in a safe, reliable, effective and efficient manner. The system leverages biometric authentication and identity verification to ensure authentic entity profiles and weed out fake profiles and transactions. Further, the system employs one or more artificial intelligence based algorithms to generate an integrity score for a registered entity based on veracity of information shared by an entity with other entities and with the platform, thereby eliminating fake claims made by registered entities to solicit proposals and connection requests.

Abstract: Technologies for interfacing an input overlay device with a touch screen of a computing device are disclosed. A computing device includes a touch screen and at least one processor to execute instructions to: determine parameters associated with an input overlay device overlying the touch screen, the input overlay device separate from the computing device, the parameters to identify a first area of the touch screen and a second area of the touch screen different than the first area, the first area corresponding to an area of the touch screen covered by the input overlay device; detect a position of a touch on the touch screen; if the position of the touch is in the first area, determine an input for the computing device based on the position of the touch; and if the position of the touch is in the second area, ignore the touch.

Abstract: Embodiments of the present disclosure provide a device, system, methods and components related to a modular card. Example components of the modular card include a thin rectangular rear plate, a thin rectangular front plate overlying the rear plate, a first plurality of fasteners fixed to the thin rectangular front plate, a second plurality of fasteners fixed to the thin rectangular rear plate, the second plurality of fasteners being configured to be removably engaged with the first plurality of fasteners; a magnetic strip, and/or an integrated circuit. In operation a user may remove and/or replace various components to customize the modular card. Some customizations include altering the accounts to which the modular card relates. In some example, the modular card may include components which relate to different accounts.

Abstract: A method, system, and computer program product for analyzing images of visual objects, such as currency and/or payment cards, captured on a mobile device. The analysis allows determining the authenticity and/or total amount of value of the currency and/or payment cards. The system may be used to verify the authenticity of hard currency, to count the total amount of the currency captured in one or more images, and to convert the currency using real time monetary exchange rates. The mobile device may be used to verify the identity of a credit card user by analyzing one or more images of the card holder's face and/or card holder's signature, card holder's name on the card, card number, and/or card security code.

Abstract: In various embodiments, a mobile phone apparatus is provided for: storing, at an electronic device, payment information for a payment account; detecting, at the electronic device, that a mechanical input was locally received at the electronic device; and in response to detecting that the mechanical input has been locally received at the device, enabling, at the electronic device, the payment information to be accessed.

Abstract: One 16 digits smart card shaped like a regular bank card in length and width with chip and swiping abilities which is divided into several different separate sectors. e.g. bank cards, credit cards, cash transactions, medical insurance usage and other personal documentation of information that are all stored on one smart card. This smart card is configured to hold financial information, general information, and documentation of a variety of various categories of different documents on its database. All parts can be accessible by one four-digit secret security code to ensure the safety of the card's information.

Abstract: A computer system performs techniques related to enrolling and using a secure credential. In some embodiments, a computer system provides user interfaces for enrolling a secure credential on the computer system. In some embodiments, a computer system provides user interfaces for inviting a user account to use a secure credential.

Abstract: The systems and methods described herein allow consumers to lock or unlock their credit files at multiple credit bureaus in real-time or near real-time. The service may allow a consumer to provide identifying information, such as a personal identifier to lock or unlock credit files at a plurality of credit bureaus over a network. Upon receiving the personal identifier, the system may use the personal identifier to translate the identifier into a plurality of access codes for respective credit bureaus, for example by accessing a data structure, such as a database or table, that stores a personal identifier and access codes that are associated with a consumer. The system may then use the access codes to automatically initiate locking or unlocking of credit files for the consumer at the respective credit bureaus.

Abstract: Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

Abstract: A voucher verification auxiliary method is provided, including: when a user device is approaching a voucher verification auxiliary device, generating an encryption key for the user device to encrypt voucher data with the encryption key to generate first encrypted data; reading and decrypting the first encrypted data to obtain the voucher data; encrypting the voucher data to generate and transmit second encrypted data to a verification center; decrypting the second encrypted data to obtain the voucher data, generating a verification result after verifying the voucher data, encrypting the verification result to become third encrypted data, and transmitting the third encrypted data back to the voucher verification auxiliary device; decrypting the third encrypted data to obtain the verification result; transmitting the verification result to a voucher receiving terminal. A voucher verification auxiliary device and a voucher verification auxiliary system are also provided.

Abstract: A system including a network interface and a processing circuit is provided. The processing circuit includes one or more processors coupled to non-transitory memory. The processing circuit is configured to receive a transaction request associated with a payment card. The transaction request includes a transaction amount. The processing circuit is further configured to determine that the transaction amount would cause a violation of a daily spending limit associated with the payment card. The payment card includes a smart chip. The processing circuit is additionally configured to apply an adaptive daily spending limit (ADSL) override of the daily spending limit based at least in part on a determination that the transaction request originated from the payment card having the smart chip, and approve the transaction request based on the ADSL application.

Abstract: Systems, computer program products, and methods are described herein for initiating resource distributions from a first source retainer with a token associated with a second source retainer. The present invention may be configured to receive instructions to link a token associated with a first resource distribution instrument to a second resource distribution instrument, where the first resource distribution instrument and the second resource distribution instrument are associated with different types of source retainers and map, based on receiving the instructions, the token to the second resource distribution instrument.

Abstract: A wearable device receives ticket information for an event and information indicating a quantity of funds allocated from an account, associated with a user of a user device, to the wearable device, and stores the ticket information and the information indicating the quantity of funds. The wearable device utilizes a wireless component to pair the wearable device and the user device, and provides, to the user device and via the wireless component, the ticket information and information indicating access privileges for the event. The wearable device generates a token for a PoS device for a charge incurred at the event during an offline transaction with the PoS device, and provides, via a NFC component, the token to the PoS device. The wearable device provides, to the user device and via the wireless component, information indicating that that the token was provided to the PoS device.

Abstract: A transaction card processing and activation system comprising the identification of a unique identifier corresponding to an aggregate of transaction cards of affiliated or non-affiliated card issuers and the activation of each transaction card corresponding to the unique identifier of the aggregate irrespective of the number, types, or card issuers of the transaction cards. Additionally, the present invention allows a point of sale entity to initiate the activation of each of the multiple, disparate transaction cards in the aggregate by merely processing the unique identifier associated with the aggregate.

Abstract: An example medical cabinet system disclosed herein includes a computing system that selectively enables access to a medication pack or other object based on a dispensing schedule, stores event data relating to operation of the cabinet system, and transmits that event data to a remote computing system over a communications network.

Abstract: Methods and apparatus for enabling a proximity payment device to generate dynamic data for securely conducting a transaction by emulating a magnetic stripe payment card. In an embodiment, a mobile device processor transmits information to a digital enablement service computer to activate a simulated magnetic stripe payment wallet application stored in the mobile device. The mobile device then receives one or more cryptographic keys, generates an unpredictable number (UN), generates dynamic CVC3 data based on the UN, and then assembles emulated magnetic stripe data. During initiation of a purchase transaction, the mobile device processor transmits the emulated magnetic stripe data to a communications interface associated with a merchant device.

Abstract: An action associated with an event detected within a communication is provided. A communication service initiates operations to provide the action by processing a communication to detect an event related to a transaction between a recipient and vendor. An action template is located that matches an event type and the vendor. A vendor service is queried to find the action template. An action is generated by populating the action template with an attribute of the event such as a recipient identifier and/or a transaction identifier. The action is provided to the recipient to facilitate an interaction related to the event with the vendor service.

Abstract: An exemplary touch-free soap, sanitizer or lotion dispenser includes a housing, a movable cover, a processor, memory, a refill receptacle for receiving a refill container of fluid, and a variable output control card receptacle. The variable output control card receptacle is located proximate the refill receptacle such that when a refill unit is inserted in the refill receptacle, a variable output control card cannot be inserted or removed from the variable output control card receptacle. The dispenser further includes a reader for placing the processor in circuit communication with a variable output control card and in circuit communication with a refill unit data tag. In addition, the dispenser includes a sensor for sensing an object, a variable output control card and a removable and replaceable refill unit. The data tag is secured to the refill unit and the VOC card includes data on the variable output control card for setting the dispenser output volume.

Abstract: A continuous integration framework for developing software for transaction processing and method for using the same are described.

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: An identification card authenticity determining method based on deep learning according to the disclosure for automatically checking authenticity of an identification card includes: inputting identification card data to a feature information extraction model to extract pieces of feature information, expressing an indicator for checking authenticity of the identification card, from the identification card data; inputting the extracted pieces of feature information to a classification model to determine authenticity of the identification card; and when it is determined that the identification card is falsified, extracting a class activation map, where a falsification region of the identification card data is activated, from the pieces of feature information.

Abstract: Described are a system, method, and computer program product for reconfiguring a transaction during network processing. The method includes receiving, from a merchant system, a transaction request including transaction data and configured in an initial configuration associated with a single-message transaction or a dual-message transaction. The method includes determining, based at least partly on the transaction data and/or at least one parameter of a merchant profile associated with the merchant system, a recommended configuration associated with a single-message transaction or a dual-message transaction, the recommended configuration different from the initial configuration. The method includes reconfiguring the transaction request based on the recommended configuration.

Abstract: The invention refers to a medical device for supporting health control. In order to provide safe access to a dose helper functionality, the device has a first storage means arranged to store an initial data matrix with at least one initial parameter set containing at least two initial data entries for one parameter of the dose helper functionality; receiving means arranged to receive initialization data and/or security data, preferably from a second storage means, for example provided by a hardware key; selecting means operable to select based at least in part on the initialization data one data entry for each initial parameter set as initial data or one initial parameter template containing a reference to one data entry for each initial parameter set as initial data; and first activation means arranged to activate, preferably based at least in part on the security data, execution of the dose helper functionality based on the selected initial data.

Abstract: Packaging for a transaction card, comprising: (1) a card carrier having the transaction card secured to a first surface of the card carrier; and (2) gift packaging integrally formed with and separable from the card carrier, the gift packaging having a first panel and an opposing second panel; wherein, in a closed state, the gift packaging is folded onto the card carrier so that the second panel of the gift packaging substantially abuts the first surface of the card carrier and sandwiches the transaction card between the first surface of the card carrier and the second panel of the gift packaging.

Abstract: A computer-implemented system and method includes determining, by a mobile device associated with a user, a location of the user, generating, by the mobile device, a code comprising a tokenized value for sending funds and the location of the user, transmitting, by the mobile device, the code to a point of sale (POS) terminal associated with a merchant as part of a mobile wallet transaction, and receiving, by the mobile device, an indication that the mobile wallet transaction has been completed.

Abstract: This disclosure provides systems, methods and apparatuses for identifying fraudulent accounts associated with an electronic payment service. In some implementations, a computing device may retrieve a data set including a number of attributes for each of a multitude of accounts, and may construct a plurality of different graphs each based on a unique set of the attributes. Each graph may include a plurality of nodes linked together by a multitude of edges, where each node identifies a corresponding account and each edge indicates one or more of the corresponding attributes that are common to a pair of accounts. The computing device may determine a likelihood of each graph correctly identifying fraudulent accounts by analyzing groups of nodes connected to each other by corresponding groups of edges using historical account data, and may select the graph having the greatest determined likelihood to predict whether any of the accounts is fraudulent.

Abstract: Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider ay monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed.

Abstract: A server comprises a storage unit for storing a plurality of image data, a first end input request image data including a redisplay setting image for setting whether to display the image on the information processor again or not and a first end request image for ending the display of the image, a second end input request image data including a second end request image for rejecting the redisplay of the image and ending the display of the image, and association data in which one of the first end input request image data and the second end input request image data is stored in association with the types of the plurality of image data, and a controller for executing a process of transmitting any one image data of the plurality of image data and either the first end input request image data or the second end input request image data associated based on the association data corresponding to the image data to the information processor.

Abstract: Systems and methods are provided for use in distributing payment transaction notifications. One exemplary method includes identifying, by a computing device, transaction data for a transaction associated with a child token to a group payment account and identifying, by the computing device, in a data structure, a parent token with which the child token is associated. The parent token is enrolled to receive a notification for the transaction associated with the child token. As such, the method further includes transmitting, by the computing device, a notification to a communication device of a group member associated with the parent token in response to the transaction involving the child token, where the notification includes transaction data associated with the transaction such that the transaction is thereby identified to the group member along with the associated transaction data.

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: A system and method for performing a purchase transaction using rewards points by receiving a purchase request using a financial account with associated account information, determining based on the account information that the financial account is associated with a rewards program with rewards points, and providing the option to pay for the purchase using the financial account or at least a portion of the rewards points. The purchase may be paid for using rewards points from multiple rewards programs and/or multiple financial accounts.

Abstract: Typically, online payments require entering sensitive transaction information into a third-party web browser or application. This may expose sensitive transaction information to an increased risk of inadvertent disclosure. Apparatus and methods are provided for a smart card which enables users to securely complete online payments without entering any sensitive transaction information into a third-party system. The smart card may include a touch-sensitive screen configured to display selectable payment options. The smart card may include a microprocessor and wireless interface. The wireless interface may provide wireless communication capabilities and the ability to initiate online payments based on information captured by the touch-sensitive screen.

Abstract: Electronic locking devices, systems, and methods may require the utilization of an electronic key generated by an electronic key generation device. The electronic key may be generated using a data payload received from a server and/or an administrative device. The administrative device is enabled to remotely manage the locking device and locking system via, for example, a software application running on the administrative device and/or a website.

Abstract: A smart card includes a first circuit delivering a power supply voltage and a second circuit coupled to the first circuit by an electrical conductor and powered with the power supply voltage. A light-emitting diode has a first terminal coupled to the electrical conductor and a second terminal coupled to a first terminal of the second circuit. During a first operating phase, the first circuit delivers a first value of the power supply voltage and the second circuit applies a first voltage to the first terminal. During a second operating phase, the first circuit delivers a second value of the power supply voltage and the second circuit applies a second voltage to the first terminal.

Abstract: This disclosure describes systems and methods related to facilitating card present transaction. In one embodiment, a service provider system may receive a request from a merchant to initiate a card present transaction associated with a consumer. The service provider system may determine an identifier associated with a mobile device associated with the consumer. The service provider system may communicate to the mobile device, based at least in part on the identifier, a message that facilitates invocation of a transaction module associated with the mobile device. The service provider system may facilitate the car present transaction based at least in part on an interaction with the transaction module.

Abstract: An offer processing system is configured to receive transaction data associated with user purchases from third party point of sales devices and/or third party payment processing systems. The offer processing system may then identify offers or savings that are applicable to the transaction data and redeem the offers on behalf of the users.

Abstract: A method for managing reward value related to a transaction account is described. The method includes receiving a redemption request; generating a reward cost based on at least a conversion rate and a transaction amount; updating a reward value in an account profile to place a hold on an amount of the reward value equivalent to the reward cost; and deducting a deduction amount from the reward value.

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 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: Techniques described herein are directed to, among other things, wireless payment readers configured to transition between multiple different power states. In some instances, these power states include one or more relatively low-power states such that an overall battery life of the wireless payment readers are lengthened. Further, in some instances, a point-of-sale (POS) application operating on a POS device that wirelessly couples to an example wireless payment reader may cause the wireless payment reader to transition from one state to another, such as from a first, lower-power state to a second, higher-power state in response to the POS application determining that a payment is to be processed using the wireless payment reader.

Abstract: In one embodiment, a system and method to transfer money may include a mobile device associated with a player, a location server designed to: track a device position of the mobile device and track a vessel position, and a mobile gaming management server designed to: receive a fund transfer request from a gaming server for the mobile device, the fund transfer request including a fund amount; determine if the fund amount can be transferred to the mobile device based on the device position and the vessel position; and transfer the fund amount to the mobile device if it is determined that the fund amount can be transferred to the mobile device.

Abstract: The invention relates to a method and system that combines payment data and cyber fraud indicators to identify potential fraud in payment requests from a client. The system comprises: a memory that stores and maintains a list of known fraud characteristics and cyber fraud indicators; and a computer processor, coupled to the memory, programmed to: receive, via an electronic input, a payment instruction from the client; identify one or more cyber fraud indicators associated with the payment instruction; apply payment decisioning to merge the one or more cyber fraud indicators to the payment instruction; generate a risk score based on the payment decisioning to determine whether the payment instruction should be executed; and automatically apply the payment decisioning to the payment instruction.

Abstract: An automated system and method for BUYING AND SELLING STOCKS, FRACTIONAL SHARES, SHARES, COMMODITIES, OR ANY OTHER PRODUCT LISTED ON ANY US OR GLOBAL STOCK EXCHANGES through a kiosk of debit card, credit card, or gift card. The kiosk having a housing to house electrical, network, and communication components; a user interface in communication with the kiosk, the user interface to receive user commands; the kiosk being managed and operated by an investment entity, the investment entity having the ability to buy or sell the one or more investments; and a gift card; the one or more investments include one or more stocks, fractional shares, shares, commodities, or any other product listed on any US or global stock exchanges; and the one or more user commands allow the user to purchase or sell the one or more investments via the kiosk.