Abstract: In some embodiments, the present invention provides for a computer system which includes at least the following components: a plurality of computing devices associated with a plurality of users associated with a plurality of users; where each computing device of the plurality of computing devices is configured to: electronically receive software which, when being executed, cause such computing device to display a plurality of instances of a specifically programmed graphical user interface (GUI); where each instance of the GUI is configured to display a real-time updatable meeting information representative of a direct electronic proximity-based communication between at least two computing devices associated with at least two users who desire to meet at a particular location to engage in a transaction of at least one good, at least one service, or both, whose marketable value lasts for a period of 30 seconds to 60 minutes.

Abstract: Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.

Abstract: A computer-implemented method including, submitting a payment transaction through a network to a merchant website; receiving the payment transaction by a widget program on the merchant website; submitting, a payment transaction request through the network to a backend application; receiving, the payment transaction request; issuing and submitting a transaction identification number through the network to the widget program; creating a matrix barcode from the transaction identification number; scanning the matrix barcode using a mobile computing device; activating a mobile application to receive payment and receiving payment data from a payment card having a card microchip communicating with an EMV library non-embedded in the mobile application; encrypting the payment data and sending the payment data to the backend application; the backend application submitting the payment data to a payment service provider; receiving the payment transaction results; and notifying the widget program and the mobile applicatio

Abstract: A method of providing access to securely held data is provided. A user interacts with the service provider to obtain access to a service by using a device to provide a digital identifier to the service provider, without the digital identifier being made known to the user. At a later date the user wishes to retrieve securely stored data relating to their use of the service. However, because the user does not know the digital identifier, they are unable to identify themselves to the service provider using the digital identifier. The present disclosure provides a secure method for exchanging private identifiers, which allows the user to identify themselves to the service provider in order to gain access to securely stored data relating to the user's previous use of the service. The user can do this using the device on which the digital identifier is stored, or another device.

Abstract: Systems, computer program products, and methods are described herein for monitoring an artificial intelligence (AI) engine. The present invention is configured to receive, from a first network device, a first set of decision parameters associated with an AI engine; encrypt the first set of decision parameters, generating an encrypted dataset; store the encrypted dataset on a transaction object; receive, from a second network device, an output associated with the AI engine; update the transaction object based on the output associated with the AI engine; and transmit a notification to the first network device, wherein the notification comprises a decrypted dataset.

Abstract: A bill verification system for verifying bill records associated with an entity account is disclosed. The system receives a request to verify a bill record associated with an entity account. The system identifies a bill level model to be used for verifying the bill record and detects based on the bill level model, bill level anomaly information for the bill record. The system additionally identifies a bill line level model to be used for verifying one or more bill lines in the bill record and detects based on the bill line level model, bill line level anomaly information for the bill record. The system then aggregates the bill level anomaly information and the bill line level anomaly information to generate a bill verification report for the bill record. The system provides the bill verification report as a response to the request received to verify the bill record.

Abstract: An approach for locating suspect patterns of transactions in a financial network may be provided. The approach may include generating a transaction graph for a financial network by processing transaction data defining transfers between accounts in that network. The approach may include modifying the transaction graph to include synthetic suspect transaction patterns at multiple locations in the graph and extracting subgraphs from the transaction graph. The approach may include training a graph neural network model to classify subgraphs containing a synthetic suspect transaction pattern as suspect. The approach may also include locating suspect transaction patterns in a new financial network by generating a new transaction graph for that network and classifying a subgraph of the new financial network as suspect.

Abstract: A token management server includes a memory and a data processor. The memory stores a token database and a subledger database. The processor is configured to save a token in the token database in a record in association with a ledger identifier and a subledger identifier. The processor receives from a point-of-sale station a token authorization request that includes the token and an authorization value, locates in the token database the record that includes the token, extracts the ledger identifier and the subledger identifier from the record, locates in the subledger database a subledger that is associated with the subledger identifier, and confirms that a balance value associated with the located subledger is at least equal to the authorization value. The processor then initiates a transfer from a pooling ledger that is associated with the ledger identifier of a transfer amount that is equal to the authorization value.

Abstract: Aspects of the disclosure are directed to a notification system. In accordance with one aspect, the notification system, includes an energy emitter device configured to emit energy; a sensing device coupled to the energy emitter device, the sensing device configured to receive the energy from the energy emitter device to produce a sensed signal; a detection device coupled to the sensing device, the detection device configured to detect a transition state of the sensed signal and configured to produce a digital message; and a housing configured to receive one or more mail, wherein the housing houses the energy emitter device, the sensing device, and the detection device. In one example, the notification system a keep-alive component configured to transmit a diagnostic query and to receive a return health signal.

Abstract: Systems and methods are disclosed for associating a player identifier with a financial account. The financial account can hold 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: A transaction card reading system, which includes: a transaction card reader having a slot for inserting a transaction card; and a protective flap movable between two positions: a closed position wherein the flap closes the insertion slot, and an open position wherein the flap is disposed at least partly outside the insertion slot. The protective flap includes a closure element integrally mounted on a one-piece support element, the closure element being shaped and dimensioned to close the insertion slot in the closed position. The one-piece support element includes at least one elastically deformable portion so as to allow switching from the closed position to the open position and vice versa.

Abstract: The system obtains a unique identifier of the vehicle and a unique identifier of a driver of the vehicle. The system generates an OTP using the unique identifier of the vehicle and the unique identifier of the driver of the vehicle and sends the OTP to the UE of the driver of the vehicle. The system authenticates the vehicle and the driver of the vehicle by receiving the OTP from the unique identifier of the UE. The system creates in a database an association between the unique identifier of the vehicle, the unique identifier of the driver of the vehicle, and the UE of the driver of the vehicle. The system detects that the UE is proximate to the parking garage where the vehicle is parked. Upon detecting that the UE is proximate to the parking garage, the system identifies the vehicle of the UE and delivers the vehicle.

Abstract: A method includes receiving a request to process, against an electronic wallet, a portion of a transaction, an electronic wallet optionally comprising a sub-wallet, the transaction processed against the wallet and/or sub-wallet. The method further includes identifying one or more electronic value tokens in the e-wallet and/or sub-wallet that, when used together, will cover the portion of the transaction. The method further includes applying the electronic value tokens to the portion of the transaction.

Abstract: Techniques described herein enable wireless payment reader to transition between lower-power and higher-power states while still performing cryptographic operations for securing payment data without undue latency caused by the transition between sleep and awake power states. For instance, a wireless payment reader may store information associated with cryptographic operations performed by the wireless payment reader in persistent memory of the wireless payment reader so that this information may be retained when the wireless payment reader enters a low-power, sleep state. Thus, when the wireless payment reader awakens from the low-power state, the wireless payment reader may read the cryptographic information from the local persistent memory rather than needing to request this information from a payment service.

Abstract: Provided are methods, systems, and computer program products for verifying a card image file. A system may include at least one processor programmed or configured to parse a card image file to determine card data represented by the card image file, generate a plurality of simulated payment transactions based on the card data, each simulated payment transaction including simulated transaction data, issue a plurality of commands to the payment device emulator, the plurality of commands based on the simulated transaction data for the plurality of simulated payment transactions, receive a plurality of command responses generated by the payment device emulator based on the plurality of commands, and verify the card image file based on the plurality of command responses and the card data.

Abstract: Permitting a claims holder to get a limited verifiable credential leveraging off of a previously-issued verifiable credential. This is done by having the limited verifiable credential include only a selected subset of the verifiable claims present within the previously-issued verifiable credential. The limited verifiable credential may then be exposed to a relying entity computing system so that the relying entity computing system can verify any of the selected subset of verifiable claims, but not verifiable claims that are outside of the selected subset of verifiable claims.

Abstract: Various card devices and methods involving card devices are described. Other embodiments are also described.

Abstract: A computer-implemented system and method for entity tracking and identification is provided. A tracker associated with an entity is tracked. Communication is continuously attempted between the tracker and a tracking device associated with an individual in custody of the entity. During one of the attempted communications, an absence of the tracker is determined by identifying a time of the attempted communication and applying a time threshold to the time for the attempted communication. The absence of the tracker is identified when no communication has been established with the tracking device within the time threshold. The entity is classified as missing when the absence of the tracker is determined.

Abstract: Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include communication using a payment processing device. Various other embodiments are described.

Abstract: Methods, devices, and kits are provided for determining a compatibility of one or more devices in an analyte monitoring system.

Abstract: A device includes a processor, a machine-readable memory, and an optical capture device coupled to the processor. The machine-readable memory, which is accessible to the processor, stores processor-executable instructions and data. The processor is configured to perform certain operations responsive to execution of the processor-executable instructions. The certain operations include capturing image data of a first region of a physical object using the optical capture device. The captured image data includes an anchor region. The certain operations also include determining whether the captured image data at least meets a predetermined level of image quality, and in a case that it does, locating an authentication region in the captured image data based on the anchor region. The certain operations also include authenticating the object based on the captured image data in the authentication region, generating a result of the authenticating, and outputting the result to a user interface of the mobile device.

Abstract: A wearable device, system and method. The wearable device comprises a frame portion and a body portion. The frame portion is formed from a metallic material and the body portion is formed from a non-metallic material. The frame portion is configured to partially surround the body portion. The body portion supports at least one passive or active tag thereon such that the tag is operable through an opening in the frame portion.

Abstract: Systems and methods of enabling and providing digital objects across multiple environments are provided. A computer-implemented method includes: receiving, by a provider institution computing system, a request to associate a card with a digital object; generating, by the provider institution computing system, at least one filter that defines prohibited content for card images; extracting, by the provider institution computing system, image content from the digital object; determining, by the provider institution computing system, that the image content satisfies the filter; associating, by the provider institution computing system, the digital object with the card in a database of the provider institution computing system; and causing, by the provider institution computing system, a provisioning of the digital object associated with the card to a provider institution client application associated with the provider institution to display the digital object as being associated with the card.

Abstract: Systems and methods are provided for enabling, providing, and managing digital identities in association with mobile devices. One example method includes determining, by a mobile device, that identity data of a user is changed, and prompting the user to identify a third party separate from the mobile device to authenticate the user. The method also includes requesting the third party to authenticate the user, and causing an authentication interface of the third party to be displayed at the mobile device where the authentication interface solicits login credentials for an account of the user at the third party. The method then includes granting, by the mobile device, access to one or more aspects of a mobile application installed at the mobile device, in response to an indication of a successful authentication of the user from the third party.

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: 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: An information processing apparatus includes: an antenna for non-contact communication with a communication medium, with the communication medium storing first information; and a touch panel that electrically detects a contact or a proximity of an object as an input detection function. The antenna is arranged around the touch panel, and outputs radio waves for the non-contact communication by receiving a power supply. The information processing apparatus turns OFF the power supply to the antenna in response to the input detection function of the touch panel being turned ON. The information processing apparatus turns OFF the input detection function of the touch panel in response to the power supply to the antenna being turned ON.

Abstract: A computer system performs techniques related to displaying a representation of a secure credential and using the secure credential. In some embodiments, a computer system detects that the computer system is physically near a vehicle. In some embodiments, a computer system permits a user access to use one or more functions of a vehicle using a secure credential.

Abstract: A depth sensing device, situated above a threshold to a room, collects asynchronous, non-personally-identifiable data regarding a count of people entering and exiting across the threshold. Phase shift of modulated infrared light reflected from a light source to an object is measured and converted into depth data indicating the depth of the pixels therein. The depth data is used to classify detected objects as human, and to track their movement bi-directionally through the threshold. A running count of humans entering or exiting the room is streamed to a remote server, which aggregates data collected from a number of depth sensing devices. The server then makes that data available at various levels of visualization corresponding to different levels of a hierarchy of nested virtual spaces, such as a multi-entrance room, or a building. Entities that access this data may see a real-time, accurate count of humans currently occupying the virtual space, as well as historical data.

Abstract: A method for electronic receipt transfer via ultra-wideband electronic (UWB) radio technology may include: causing, by a payment terminal computer program, an UWB radio to transmit a range request signal from a first antenna; receiving, by the payment terminal computer program and one or more customer electronic devices, a pair of replies to the range request signal, each comprising a first reply signal received at the first antenna and a second reply signal received at a second antenna; determining, by the payment terminal computer program, a distance between the UWB radio and each customer electronic device based on a time of flight; selecting, by the payment terminal computer program, the customer electronic devices having the distance that is closest to the UWB radio; and communicating, by the payment terminal computer program, an electronic receipt for a transaction to the selected customer electronic device.

Abstract: A dynamic code may be validated by comparing the dynamic code to a verification code. The card may generate the dynamic code using a random object and a function. The random object may be generated using a random object generator. The function may be determinable using a function determination object and a look-up-table (LUT), the function determination object associable to exponents and operators, listed in the LUT, that may be combined with base variables to determine the function. The dynamic code may be determined by substituting portions of the random object for the base variables in the function. The card may communicate the dynamic code, the random object and an identifier to a remote processing facility. The remote processing facility may use the identifier to determine the function, use the random object to determine a verification code and compare the verification code to the dynamic code.

Abstract: Disclosed embodiments may include a method for using accounts with multiple profiles where the system allows a primary user to create one or more secondary user profiles. Each secondary user profile is associated with its own VCN and one or more attributes. The one or more attributes can be used to limit the spending ability of each secondary user individually with hard and soft spending limits including merchant category, overall spending, and geographic limits. Purchases by a secondary user that violate the soft limits may be allowed by the primary user using an application associated with the primary account number. Attributes can be assembled by the primary user to create specific and creative spending limits. The system associates each transaction with the user profile using the specific VCN and generates a GUI for the primary user showing the second user profile, its current balance, and transaction history.

Abstract: Disclosed embodiments describe a system for completing a transaction using an electronic transaction card by receiving, from a user device executing a software application, a selection of a first account function associated with a financial transaction; determining that the account function requires user verification; detecting, via a motion detection component, a motion pattern performed on the electronic transaction card by the user; authenticating an identity of the user, by the electronic transaction card, based on the detected motion pattern; and completing, by the user device, the financial transaction.

Abstract: The invention provides an entrusted-authorization system and an entrusted-authorization method. The entrusted-authorization system comprises an accounting system, a switch module and an entrusted-authorization module, wherein the entrusted-authorization module stores entrusted-authorization parameters determined by the accounting system, the switch module is connected with the accounting system and the entrusted-authorization module for transmitting transaction request messages from the client terminal to the entrusted-authorization module for processing in case that the accounting system is unavailable, wherein the entrusted-authorization module verifies the transaction request messages according to the entrusted-authorization parameters; otherwise, the messages are sent to the accounting system for processing. The transaction request messages comprise financial account information, financial institution information, transaction-initiation institution information and transaction amount.

Abstract: Methods, systems, and computer program products for implementing currency conversion and foreign exchange processes for an exchange payment platform system. An offer look-up request for an offer associated with a booking event is received. The offer look-up request including a first currency, a second currency, and a transaction context information. A foreign exchange rate request including the offer look-up request is provided to a foreign exchange server. A converted offer associated with a proposed foreign exchange rate is received from the foreign exchange server. A payment webpage including the converted offer is provided to the merchant. The converted offer is presented in a standard format based on formatting rules associated with the merchant.

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: Aspects of the subject disclosure may include, for example, a device that receives data from a machine-type communication (MTC) device located at a premises, determines an identifier for the MTC device; compares the identifier with a list of identifiers; and, responsive to determining that the MTC device is a listed device, transmits the data to a first network element remote from the premises. The device and the first network element do not receive data from devices at the premises generating human traffic communications (HTC). The first network element transmits the data to a second network element for aggregation and subsequent transmission to a cloud data facility comprising cloud storage. A data path from the device to the first network element, from the first network element to the second network element, and from the second network element to the cloud data facility forms a secure data path. Other embodiments are disclosed.

Abstract: In one embodiment, a device may transmit, via a network to an application, a series of sensor measurements captured by the device, each sensor measurement having an associated timestamp based on a clock of the device. The device may receive, from the application, an indication that at least a portion of the series of sensor measurement were not received by the application. The device may determine, for those sensor measurements not received by the application, timestamp differences between their timestamps and a current time of the clock of the apparatus, after receiving the indication. The device may resend the portion of the series of sensor measurements to the application and their timestamp differences.

Abstract: Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account. The system identifies a request to purchase an open loop prepaid gift account which can be used to make a purchase at a merchant, presents a menu from which a customer can select the merchant, and receives a selection. Based on the selection, the system presents an option to load funds onto the open loop prepaid gift account and, upon receipt of payment, creates the open loop prepaid gift account and loads the open loop prepaid gift account with money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card, and wherein merchant information is printed on the physical card according to an authorization from the merchant, the merchant information including at least one of a legal name, a trade name, a logotype, and a marketing tagline of the merchant.

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: 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: 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: 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.

Abstract: The present invention is configured to track a resource input distribution to a first user account; receive a third party distribution request from the first user account, the third party distribution request comprising at least a portion of the resource input distribution; and authenticate a third party associated with the third party distribution request, the authentication of the third party comprising a comparison of the third party against a trusted third party distribution set, wherein, in an instance where the third party matches at least one trusted third party of the trusted third party distribution set, allow a third party distribution associated with the third party distribution request.

Abstract: A system can include a first financial account data system that may include first account data. The first financial account data system can perform a function according to a first process using the first account data. The system can include a second financial account data system that can include second account data that is unintegrated with the first account data. The second financial account data system can perform a function according to a second process, which can be different than the first process, using the second account data. The system can include a server with an application programming interface. The server can determine a data system among the first and second financial account data systems with which to execute a requested function received via a common user interface. The server can execute the requested function. The server can provide a result of the execution via the common user interface.

Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

Abstract: Electronic content, including that obtained via software applications executing on client devices, pertaining to golfers' handicap indices and scoring is automatically obtained by golf clubs and other courses. Such player data can be electronically monitored and analyzed in real-time in accordance with expected score qualities and guidelines in the sport. In particular, one or more algorithms may be routinely executed to look for various data point indicators which may mean a player is manipulating his or her handicap index. The systems and methods can objectively generate an overall score for every participating player, based at least in part on deduction of points for data determined abnormal based on expected qualities. Should a player's overall score reach a predetermined flagging level, the systems and methods automatically adjust the player's handicap to promote fair play. Machine learning schema can assist in tasks such as scoring analyses and automated handicap adjustments.

Abstract: Methods and systems for provisioning a secure element of a digital device with financial credentials of a consumer are disclosed. In an embodiment, an external entity computer receives from one of a merchant computer or a manufacturer computer, a consumer order for a digital device that includes a secure element (SE). The external entity computer then obtains, based on the digital device information setup data of a digital device which fulfills the order, and transmits a financial account provisioning request including the setup data and the consumer account information to a token service provider (TSP) computer. The process also includes the external entity computer receiving provisioning data including a personalization script which includes financial account token credentials of the consumer from the TSP computer, and then personalizes the ordered digital device with the financial account token credentials.

Abstract: In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser.

Abstract: Example embodiments relate to performing activation techniques for contactless cards. For example, embodiments may include performing a near-field communication (NFC) exchange with a contactless card, processing a message comprising data to activate the contactless card, communicating the data to a server to activate the contactless card; and receiving a response from the server, the response to indicate whether the contactless card is successfully activated or not successfully activated.