Abstract: A device that includes a housing configured to couple to an interior of a vehicle. The device further includes a card reader and a user interface. The card reader is configured to receive payment card information for a payment card. The user interface is configured to receive a user input identifying a product, to determine a current location of the device, to determine a vending location where the product is available based on the current location of the device, and to modify a route to a final destination to include the vending location. The user interface is further configured to send an authorization request requests a purchase of the product, to receive an approval message, to generate an authorization token that authorizes a purchase to retrieve the products from the vending location, and output the authorization token.

Abstract: In one embodiment, in an information processing apparatus, comprising at least one computer processor, a Bot executed by the at least one computer processor may perform the following: (1) receiving invoice information for an invoice for a payor, the invoice information comprising an invoice amount and a due date; (2) electronically communicating a payment reminder comprising the invoice amount and the due date to the payor in a chat interface; and (3) providing a payment interface in the chat interface.

Abstract: A social networking system associates identification information with combinations of values used to generate a dynamically-created advertisement. Interactions with the dynamically-created advertisement by social networking system users are also associated with the dynamically-created advertisement. The social networking system uses the identification information to present the same combination of values used to generate the dynamically-created advertisement to additional social networking system users. Additionally, information describing interactions with the dynamically-created advertisement is determined from the interactions associated with the identification information, allowing the dynamically-created advertisement to be included in a personalized feed of content items presented to an additional user along with information describing interactions by various users presented with the same combination of values of components in the dynamically-created advertisement.

Abstract: An inventory management system includes one or more radio frequency identification (RFID) readers each configured to detect RFID labels attached to inventory items within a certain radius of the RFID reader. The one or more RFID readers are configured to automatically determine a directional movement of RFID labels and attached inventory items. A first computer server is configured to communicate, via a network connection, with one or more client devices, and also configured to receive data gathered by the one or more RFID readers. The first computer server is configured to maintain a real-time inventory status of the inventory items. The real-time inventory status includes a location of the one or more RFID labels, and further includes a current usage state of the attached inventory items. The first computer server is configured to transmit the real-time inventory status to a display of the client device.

Abstract: A system for determination of a revenue share of a mobility player (MP) of a MaaS network is disclosed. An MP node of the MP is on-boarded to a node package of the MaaS network and gets associated with a MaaS node of the node package, based on an on-boarding process. The on-boarding process includes a definition of a service structure including configuration data of the MP and a signing off of the MP node to a service agreement and a privacy policy associated with the MaaS network based on terms of service of the service agreement. Once, the MP node is on-boarded to the node package, the MaaS node and/or one or more external nodes, such as, a plurality of aggregator nodes and a central MaaS node may determine a revenue share of the MP based on receipt of a trigger event associated with the node package.

Abstract: A method includes receiving, by a loan program executing on a loan computing system, conditions from an originator program executing on an originator computing system. The conditions are sent, by the loan program, to a wallet program executing on a wallet computing system. Cryptographic proof that the conditions are met is received by the loan program from the wallet program. Ownership data of the loan program is updated by the loan program to identify a buyer program executing on a buyer computing system in response to invocation of a purchase function of the loan program. Payment receipt data is appended, by the loan program, to the loan program in response to invocation of a payment append function of the loan program by a loan service program executing on a loan service computing system.

Abstract: A computer operable method of processing a current transaction between a merchant device and a customer device, including: receiving a command for remote payment from a computer application program on a computer system in a merchant network; receiving said transaction data from the computer application program; said transaction data containing phone number or unique identifiable data element for the customer; generating a message which contains a clickable link; sending a short messaging service (SMS) or multimedia messaging service (MMS) based on the message that is generated; displaying a web page with payment options when link is clicked; directing data transmission to different payment gateways from the payment options displayed on the web page; receiving data from different payment gateways based on the payment option selected; and transmitting said received data from a payment gateway to the originating merchant device.

Abstract: In an embodiment, a method performed by a payment service system (PSS) includes receiving from a first payment application associated with the PSS, a request to generate a token. The method includes identifying account information associated with the recipient. The method includes generating an anonymizing token associated with the recipient. The method includes storing an association between the account information of the recipient and the anonymizing token. The method includes providing for display of the anonymizing token within the first payment application. The anonymizing token anonymously embeds recipient information and the account information of the recipient.

Abstract: Embodiments of the present disclosure provide a method for video recording, an apparatus for video recording, and a terminal device. The method can be applied to a first terminal. The first terminal can be configured to play a live video of a second terminal when the second terminal is on live. The method can include: obtaining a user identifier of a target audience logging into the first terminal; obtaining voice data of an anchor in the live video within a time period in response to detecting a first event, wherein the time period is after a current time point; and generating a video through screen recording based on the user identifier and the voice data.

Abstract: A device may process information associated with a first set of users with benefit accounts to determine a first subset of users that have a likelihood of donating and may identify a donor user with a benefit account having a credit balance from among the first subset of users. The device may process information associated with a second set of users with accounts having debit balances to determine a second subset of users that have a likelihood of not paying off the debit balances and may identify a recipient user with an account having a debit balance from among the second subset of users. The device may receive authorization to use a portion of the credit balance of the donor user to reduce the debit balance of the recipient user and may perform an action to facilitate use of the portion of the credit balance to reduce the debit balance.

Abstract: According to various embodiments, system, methods and computer program products are configured for providing at least one customized communication to a recipient of one or more packages shipped by a consignor via a common carrier. One or more computer processors are configured to: receive at least a portion of customized content; retrieve at least a portion of consignee data, the portion comprising one or more parameters established by the recipient; compare the one or more components of the customized content with the one or more parameters established by the recipient so as to identify one or more correlations there-between; in response to identifying at least one correlation, generate at least one customized communication for provision to the recipient, the at least one customized communication containing at least a portion of the customized content; and in response to identifying no correlations, generate at least one standard communication containing no customized content.

Abstract: Systems and methods for providing a rewards payment form linked directly to a rewards account are described. The rewards points may be spent directly by the customer through the use of the payment form linked to the rewards account. The payment form may be a payment card (e.g., a physical card having an account number accessible via a magstripe, an EMV chip, etc.) or a virtual payment card loaded into a mobile wallet accessible by the customer. The rewards payment form allows the customer to spend the rewards points stored in the rewards account without first going through the extra step of converting the rewards points into currency.

Abstract: Systems, methods, and apparatuses for performing a pay with points rewards transaction are described herein. A customer of a financial institution having a rewards account associated with a payment account can provide parameters for future transactions that are to be paid with points instead of charged to the payment account. To designate the future transaction as a rewards transaction, the customer sets rewards transaction parameters (e.g., via a mobile banking application, via an online banking portal, via a telephone system associated with the financial institution, etc.). After setting the rewards transaction parameters, the financial institution identifies a purchase request that matches the rewards transaction parameters and processes the transaction as a rewards transaction.

Abstract: A financial management system may include a device processor and a non-transitory computer readable medium including instructions, executable by the processor. The computer readable medium may include instructions for receiving purchase information regarding a pending purchase of a system user using an account; sending the purchase information, along with a request for approval of the purchase, to one or more personal electronic devices of a guardian of the account; receiving a response selected by the guardian; and selectively permitting the purchase based on the response selected by the guardian.

Abstract: The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc.

Abstract: A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.

Abstract: A method for confirming post-authorization erasure of a transaction payment using reward points includes: storing account profiles including data related to reward accounts, each including an account identifier and point amount; receiving a transaction message associated with a payment transaction, the message including a specific account identifier and transaction amount; identifying a specific account profile that includes the specific account identifier; calculating a point cost based on the transaction amount; identifying an authorization reference key associated with the payment transaction and specific account profile; identifying a unique identifier associated with the authorization reference key; storing an authorization record including authorization reference key and unique identifier; generating a request message including the identified unique identifier one of: the point cost and transaction amount; and transmitting the request message to a consumer associated with the specific account profile.

Abstract: A computer implemented method of determining a user health rating. The method may include evaluating transaction records in a user transaction history, determining whether the transactions are associated with positive or negative health, and generating a user health rating at least partially based on the transaction records.

Abstract: An address sign registration module receives and stores geo-locations and unique identifiers from a plurality of smart address signs wirelessly connected to the data communication network. Each address sign displays a physical address associated with a geo-location and comprises wireless transceiver. The order tracking module receives messages from the smart address signs upon arrival of orders associated with the geo-locations and, in response, predicts deliveries and fraud with artificial intelligence and sends messages to online purchase systems confirming delivery.

Abstract: Methods, apparatuses, and devices for processing a service, including computer programs encoded on computer storage media are provided. One of the methods includes: receiving an application sent from a user terminal of a first user comprising a commitment; verifying a credit value of the first user; in response to the credit value reaching a predetermined credit value, accepting the application of the first user; and in response to the first user failing to fulfill the commitment, triggering a balance compensation process to cause the first user to send a balance resource to the second user by a deadline.

Abstract: A system includes profile control circuitry that may receive a sovereign onboarding command. The sovereign onboarding command may be issued on behalf of a sovereign associated with a profile. The sovereign onboarding command may update a status value in the profile. The profile may be recorded on a data-tamper-protected distributed ledger. Arbitration circuitry may review the recorded profile status value and ensure that status values are enforced against the sovereign during exchanges.

Abstract: A program controlled data-processing system and computer-based method for facilitating retail transactions based on a seamless translation of reward points into a suitable currency for purchase. In one embodiment, the present invention allows a user to utilize points without the traditional redemption restrictions or encumbrances associated with reward programs.

Abstract: Information regarding display of selected content items in assigned slots is provided. The information is based on a selected template that includes areas for groups of slots for related content items, such as content items that are targeted to a common targeting object. Candidate content items, identified based on targeting or other distribution information, are assigned to selected slots to determine at least part of the information regarding display of the selected content items.

Abstract: The present disclosure involves systems, software, and computer implemented methods for automatically generating acquisition IDs and using them to track and record how products are identified, offered, and sold, as well as how customers respond to particular variations of product offers. The acquisition ID can be associated with any product sale, transaction completion, or account creation initiated using or otherwise identifying or associated with the acquisition ID, where the connection to the acquisition ID can be maintained and retained with ongoing records associated with the interaction and created account, transaction, and/or product purchase. Using the stored information and the acquisition IDs, an organization can precisely determine what products were sold using which marketing tactic, campaign, or channel through which the transaction occurred and/or was initiated, among others.

Abstract: New wireless power transmission, monetization, and incentivization techniques are disclosed. In some aspects of the invention, a system distributes wireless power from a power and information transmitting base station, through a network of intermediate wireless power enhancement and consumption devices, each of which may be independently owned and controlled. In some embodiments, the transmitted power is sourced from a variety of power providers. The system may assign invoices comprising monetary credits and debits, based on each device's use and/or enhancement of the wireless power provided through the network. In some embodiments, the system may determine monetary credits and debits based on the identity and/or owner of each device. In some embodiments, the system may determine monetary credits and debits based on one or more sources of wireless power. Other power storage and transmission techniques are also disclosed.

Abstract: A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.

Abstract: According to some embodiments, a communication device database may store information about a plurality of communication devices, including at least one communication address associated with each communication device, wherein each communication device is associated with a resource unit. Moreover, a network based segmentation server may access information in a resource status database, automatically assign each resource unit to a resource segment based on at least one pre-determined algorithm and information in the resource status database, and transmit information about the resource segments.

Abstract: Methods and systems for secure applications running web view applications are disclosed. In some aspects, user data may be secured within a first security domain, that is inaccessible to a web view application running within a second application. The second application accesses the user data via a second security domain, when a request is received from the web view application to display a user interface. The second application then displays a user interface based at least in part, on the user data.

Abstract: A method for linking alternative payment information with customer loyalty data includes obtaining a customer loyalty identifier associated with a customer, reading customer data from a database based on the obtained customer loyalty identifier, obtaining alternative payment information from the read customer data, determining whether payment by the alternative payment information is enabled for the customer loyalty identifier, prompting the customer to enable payment by the alternative payment information, prompting the customer for authorization information associated with payment by the alternative payment information, enabling payment by the alternative payment information for the customer loyalty identifier, and applying the alternative payment information to a current purchase of the customer.

Abstract: An inventory management system includes one or more radio frequency identification (RFID) readers each configured to detect RFID labels attached to inventory items within a certain radius of the RFID reader. The one or more RFID readers are configured to automatically determine a directional movement of RFID labels and attached inventory items. A first computer server is configured to communicate, via a network connection, with one or more client devices, and also configured to receive data gathered by the one or more RFID readers. The first computer server is configured to maintain a real-time inventory status of the inventory items. The real-time inventory status includes a location of the one or more RFID labels, and further includes a current usage state of the attached inventory items. The first computer server is configured to transmit the real-time inventory status to a display of the client device.

Abstract: A computerized system is provided for generating a visual presentation for visually organizing one or more activities of a user, including consumers & vendors. The systems are directed to teaming up, calendaring, social networking, planning, E-COMMERCE for users, including vendors, consumers and enterprises.

Abstract: This disclosure covers systems and methods that administer a digital survey to respondents who interact with a biometric sensor to collect and convert biometric data into behavioral and physical characteristics of the respondents. In certain embodiments, by converting biometric data into respondent characteristics, the disclosed systems and methods identify various unwritten or nonverbal responses of survey respondents who respond to a digital survey or who interact with a display medium that captures survey data. To facilitate review of respondents' characteristics and responses, in some embodiments, the disclosed systems and methods further categorize the converted respondent characteristics within a response database for the digital survey.

Abstract: Provided herein are systems, methods, and computer readable storage media for facilitating registration of consumers in merchant rewards programs. In providing such functionality, the system can be configured to, for example, receive input of various consumer data, determine if the consumer data has already been registered in a rewards program, and if a consumer is not registered, facilitate the registration of the consumer in a merchant rewards program.

Abstract: An electronic device obtains credit information of a user, where the credit information of the user is derived at least in part from a usage history of the user for a shared product. The electronic device inputs the credit information of the user to a recommendation model for calculation, where the recommendation model is a machine learning model. The electronic device derives, based on the recommendation model, a shared product use probability. The electronic device recommends the shared product to the user based on the shared product use probability.

Abstract: A blockchain gateway device and associated method of use for reconciling and insuring the consistency of integrated blockchain networks and legacy database-based systems. The blockchain gateway device and associated blockchain scheme harmonizes and reconciles the data elements from multiple independent blockchain databases.

Abstract: An electronic device obtains credit information of a user, where the credit information of the user is derived at least in part from a usage history of the user for a shared product. The electronic device inputs the credit information of the user to a recommendation model for calculation, where the recommendation model is a machine learning model. The electronic device derives, based on the recommendation model, a shared product use probability. The electronic device recommends the shared product to the user based on the shared product use probability.

Abstract: Techniques for leveraging a likelihood that a transaction (or a portion thereof) will be associated with a refund request to determine whether and/or how long to delay sending, to a payment service, a request for processing the transaction (or portion thereof) are described herein. In an example, a payment processing service may receive, from a point of sale device operated by a merchant, transaction data associated with a transaction between the merchant and a customer. The payment processing service may determine a likelihood that the customer will request a refund for a cost of an item of the transaction at a time after the transaction. Based at least partly on the likelihood, the payment processing service may determine whether to wait until at least the time before sending, to a payment service, a request to process the transaction data for at least the cost of the item.

Abstract: An electronic driver's license and ID bracelet that stores essential user information is disclosed. The electronic driver's license and ID bracelet stores user information that government(s) need to know, such as date of birth, driver's permit status, etc. The ID bracelet cannot be duplicated or altered within the civilian or private sector as is the case with contemporary personal identification, therefore the ID bracelet would be for government proprietary use.

Abstract: Disclosed herein are methods, devices, and apparatuses, including computer programs stored on computer-readable media, for providing transaction data to a blockchain system for processing. One of the methods includes: monitoring the transaction data in a computer system, wherein the transaction data include at least one of single-transaction data or multiple-transaction data; and based on the monitoring, asynchronously uploading the transaction data to the blockchain system.

Abstract: A real-time communication system includes a cloud server, multiple user devices having respective real-time communication software for communicating with the cloud server, and multiple dynamic expression rendering devices one-to-one communicating with the user devices respectively. A transmitting user device encodes and transmits a transmitter data, a receiver data and a dynamic expression ID of a selected dynamic expression. The cloud server decodes and transmits the transmitter data, the receiver data and the dynamic expression ID of the selected dynamic expression to a receiver user device. Based on the received dynamic expression ID, the real-time communication software of the receiver user device finds the dynamic expression.

Abstract: The MULTI-DIRECTIONAL WALLET CONNECTOR APPARATUSES, METHODS AND SYSTEMS (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: The systems may include receiving, by a processor, transaction information for a transaction, wherein the transaction information comprises a transaction amount; matching, by the processor, the transaction information with a transaction type; retrieving, by the processor, a plurality of possible charge types associated with the transaction type; comparing, by the processor, the transaction information with the plurality of possible charge types; separating, by the processor, the transaction amount of the transaction information into at least one individual charge amount; and/or identifying, by the processor, a charge type of the plurality of possible charge types associated with the at least one individual charge amount.

Abstract: A method, system, and computer readable media for offering to the user of a payment vehicle a rewards program personalized to the user and the user's financial goals. A payment vehicle is provided with integrated reserved funds accounts which user can use to save up for large purchases. By designating the purchase for which these funds will ultimately be used, the user can be provided with personalized rewards programs relevant to planned purchases.

Abstract: In particular embodiments, a data processing consent management system may be configured to utilize one or more age verification techniques to at least partially authenticate the data subject's ability to provide valid consent (e.g., under one or more prevailing legal requirements). For example, according to one or more particular legal or industry requirements, an individual (e.g., data subject) may need to be at least a particular age (e.g., an age of majority, an adult, over 18, over 21, etc.) in order to provide valid consent. Consent receipt management systems may be implemented in the context of any suitable privacy management system that is configured to ensure compliance with one or more legal or industry standards related to the collection and/or storage of private information. In particular embodiments, the system is configured to manage one or more consent receipts between a data subject and an entity.

Abstract: Provided are a system and method for facilitating enrollment in a merchant loyalty program. In one example, the method includes receiving, from a merchant server, a request to enroll a digital wallet user in a merchant loyalty program, the request being input via a merchant website associated with the merchant server, verifying that the digital wallet user is an authorized user of the digital wallet via a window associated with the merchant website, and in response to verifying the digital wallet user is an authorized user, automatically transmitting previously stored information of the digital wallet to the merchant server for enrolling the digital wallet user in the merchant loyalty program. According to various aspects, secure data may be imported into a merchant loyalty program from a digital wallet account, thus simplifying the enrollment process on the user.

Abstract: Embodiments of the disclosure enable one or more protection mechanisms to be managed using a digital wallet platform. Product data associated with a product is identified. The product data is analyzed to identify one or more potential protection mechanisms associated with the product. At least one protection mechanism is identified from the potential protection mechanisms, and the product is registered with a protection system such that the at least one protection mechanism provides protection for the product. A protection capsule corresponding to the at least one protection mechanism is generated. The protection capsule is accessible using a digital wallet. Aspects of the disclosure provide for utilizing the digital wallet for a plurality of functions including payment card management, financial account management, and protection mechanism management.

Abstract: Crowd funding for innovation includes distributing a proposal with a description of a project idea, an amount of funds requested, and a time frame for raising the funds. Ownership of the project is transferred to an entity, which receives contributions from contributors and for each of the received contributions converts the contribution to a corresponding amount of virtual coin and adds the contribution to the funds. If the funding goal is complete within the time frame, the entity converts the coins to actual money and releases the money to the requestor. After completion of the project, the entity determines if the project is successful and can commercialize successful projects. For certain successful projects, the entity can also distribute the back funds to the contributors.

Abstract: The present disclosure provides systems and methods directed to a social-financial platform. In certain embodiments, sponsor-members, consumer-members, and beneficiary members are part of a social-financial platform in which purchases made by consumer-members at merchant sponsor-members result in automatic rebates being paid to and allocated between the consumer member and one or more beneficiary-members. Also disclosed is a monolithic financial structure for carrying out rebate allocation automatically and instantaneously, and for transferring funds between users.

Abstract: In an embodiment, a system server receives, from a plurality of advertiser devices, a plurality of advertisements, at least one corresponding personal information value, and a corresponding price. The system server calculates, for each of a plurality of personal information types, a corresponding price. The system server instructs the message device to display the plurality of personal information types and the corresponding prices. The system server sends, to a first message account, a plurality of messages, in which each message includes a respective advertisement of the subset of advertisements. Then the system server determines an amount to pay the user based on the prices corresponding to the subset of advertisements, and increases an account balance by the amount to pay the user.

Abstract: Aspects of the disclosure relate to transforming event data associated with an entity using a multicomputer platform and directing a client computing device to perform a determined action based on a detected event characteristic of the event data and a detected current event. With some embodiments, an event tracking server detects the current event from sensed data provided by a sensed data server and identifies a correlation measure between the detected event characteristic and the detected current event. The event tracking server may direct one or more client computing devices to perform one or more actions related to an entity based on the correlation measure.