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

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: 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: 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: 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: 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 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 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: 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: 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: 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: 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: 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: 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: 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 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: 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.

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: 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: A computerized method (200) of performing a purchase and an associated communication system are disclosed. A customer mobile computing device (CMCD) communicates (210) with a server computing device (SCD) to generate an order for the purchase. The server computing device (SCD) communicates (220) with a payment processor computing device (PPCD) to perform a first part of a payment transaction for the purchase, wherein the first part of the payment transaction involves reserving funds for the purchase. A merchant computing device (MCD) performs (230) a digital handshake procedure with the customer mobile computing device (CMCD). The digital handshake procedure involves short-range wireless data communication to verify spatial proximity between the customer mobile computing device (CMCD) and the merchant computing device (MCD). When spatial proximity has been verified, the merchant computing device (MCD) communicates (240) with the server computing device (SCD) to accept the order.

Abstract: A device may determine that transaction account information, associated with a transaction account associated with a user, is to be updated. The device may identify a merchant account that is configured to use the transaction account for a transaction associated with the user and a merchant, and navigate, using a navigation model, a merchant portal associated with the merchant, to access the merchant account. The device may perform, using the navigation model and login credentials for the merchant account, a login operation to access the merchant account via the merchant portal, wherein the login credentials are stored in a credential mapping that indicates an authorization to update the transaction account information to permit the transaction account information to be used in association with the merchant account. The device may update, using the navigation model, a transaction setting of the merchant account to include updated transaction account information for the transaction account.

Abstract: A method for synchronizing Customer Relationship Management data between a Software as a Service (“SaaS”) CRM provider and a mobile device. This method enables both read and write access from the mobile device whether a network connection to the SaaS provider is available or not. The method involves creating a local mobile device database to track portions or all of the SaaS provider database. In the case where a network separation occurs and the device and SaaS databases diverge, the synchronization method may be used to make the mobile device database and the SaaS database consistent and coherent again. In one embodiment, multiple local database tables are used to represent a single SaaS CRM table to facilitate synchronization, and a status indicator is used to visually and quickly convey status to the mobile user.

Abstract: Systems and methods for providing an end to end verification of an election run over a public network are disclosed. An example method includes generating, by an election management system (EMS), EMS private keys and EMS certificates; generating, by a security device (SD), an SD private key and an SD certificate, the SD private key and the SD certificate being generated based on a root private key; signing, by the SD, the EMS certificates using the SD private key; upon receiving, by the SD, node settings signed by EMS certificates; signing the node settings and generating, for each of nodes of an election data storage, a package including a node private key, a node certificate, the EMS certificates, and the SD certificate; upon receiving, by the SD, election data signed by EMS certificates, signing the election data and generating and signing tokens including election identifications and voter identifications.

Abstract: A processor-implemented method is disclosed. The method includes: configuring a value transfer card to be associated with a plurality of accounts, the plurality of accounts including a default currency account and one or more foreign currency accounts; receiving input from an authorized entity associated with the plurality of accounts, the input indicating a selection of at least one of the foreign currency accounts and a card control setting to be applied for the value transfer card in connection with transactions associated with the selected at least one foreign currency account; and enabling the card control setting for the value transfer card only in connection with the selected at least one foreign currency account.

Abstract: A method for processing an encoded one-time number via payment rails includes: receiving, by a receiving device interfaced with a computing system, a one-time number, wherein the one-time number is comprised of at least an identification value and a remaining value; executing, by a querying module of the computing system, a query on a memory of the computing system to identify a routing number based on at least a portion of the one-time number; generating, by a generation module of the computing system, a data value, wherein the data value includes at least the identified routing number and the remaining value; and electronically transmitting, by a transmitting device of the computing system, the generated data value to an external system via payment rails associated with a payment network.

Abstract: A kiosk includes a kiosk housing, a barcode reader, a receipt printer, a display unit, and a processor communicatively coupled to the barcode reader, receipt printer, and display unit. The kiosk has a width less than or equal to 6¾ inches and the barcode reader, receipt printer, and processor are within the kiosk housing. The barcode reader has a reader housing, an imaging assembly, a window configured to allow a light to pass between a product scanning region and an interior region of the reader housing, and a set of optical components configured to direct a field-of-view of the imaging assembly through the window.

Abstract: Systems and methods for instant issuing of a transaction card, controlling issuing of the instant transaction card, and customization of the transaction card. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving a request to issue a card and directing the customer to insert an identification card. Proceeding with capturing identification and biometric data identifying the customer and verifying the captured identification and biometric data. The operations also include determining whether a combination of the available customer data and the received biometric data is sufficient to verify customer identity. When the combination data are sufficient to verify customer identity, the operations further include issuing a transaction card. The operations further include capturing an image of the customer and issuing a customized transaction card to the customer.

Abstract: Embodiments provide a method of facilitating a payment transaction with a payment card of a customer. The method includes receiving a payment transaction request initiated at a merchant terminal. The payment transaction request comprises a merchant transaction amount associated with a purchase entered at the merchant terminal and a fingerprint tap input provided by the customer on a fingerprint input module, the fingerprint tap input indicative of a customer transaction amount associated with the purchase. The method includes facilitating verification of a fingerprint obtained from the fingerprint tap input of the customer by comparing with stored fingerprint of the customer. The method further includes, upon successful verification, determining whether the merchant transaction amount conforms to the customer transaction amount obtained from the fingerprint tap input.

Abstract: In some examples, a system and method for activating a physical payment card are described. The method includes receiving from a mobile device of a user a request for a physical payment card and first state data indicating a state of the mobile device or an application executing on the mobile device at a time of the request. The physical payment card is mailed to the user. The mobile device reads an identifier on a surface of the container via a sensor of the mobile device and sends the identifier data and a second state data from the time of the reading. The identifier data is compared to a user identifier in a customer profile of the user and the second state data is determined to correspond to the first state data. The physical payment card is then automatically activated.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: A portable power bank with card storage function include a portable power bank module and a card case module; the portable power bank module and the card case module are slidably connected via a connector; the portable power bank module is provided with a guiding mounting rod; the guiding mounting rod is mounted in a sliding slot of the connector; the sliding slot is recessed inwards with an opening at each end thereof; the portable power bank module is assembled to the sliding slot via the guiding mounting rod; one side of the card case module is provided with a connecting strap which is hollow inside and opens at both ends; the connecting strap is connected to the connector via a connecting shaft. This invention has the advantages of providing users with the convenience of card storage and serving as a contingency power supply for supplying power to electronic devices. It serves multiple functions and is convenient for actual use.

Abstract: A remote control system for a vehicle including: a user terminal; and a vehicle configured to transmit/receive information to/from the user terminal through a communication network. The vehicle performs first authentication on a user by comparing a captured image of the user to a reference image in response to an unlocking signal or start-up request signal received from the user terminal, and transmits second authentication pre-processing information to the user terminal, the second authentication pre-processing information being obtained by generating an encryption key from a feature vector extracted from the image of the user and encrypting unique information of the user. The user terminal performs second authentication on the user by decrypting the second authentication pre-processing information received from the vehicle with a decryption key stored therein.

Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.

Abstract: A method and system of increasing the security of requests to access funds from a joint bank account by secondary users in order to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict the access of funds by secondary users per conditions defined by the primary user(s). An application can be accessed via a computing device that receives requests for funds from secondary users and requires the secondary user to also submit a digital image or video that supports their proposed transaction. The request will only be conveyed to the primary user if the necessary digital verification is received by the system.