Abstract: Provided herein is a computing system for detecting compromised merchants in a payment card network.

Abstract: A trusted entity provides an API interface to online streaming platforms and sports betting platforms acting as an intermediary between the online streaming platforms and the sports betting platforms. The trusted entity generates unique authorization tokens that are used to authenticate users between the online streaming platforms and the sports betting platforms and provides a secure environment that separates the online streaming platforms and the sports betting platforms, allowing online streaming platforms to provide online betting services to their users without having to interface to multiple online betting services.

Abstract: A system and method for contemporaneous and combined in-store shopping among multiple individuals uses: a central server that is in communication with a database storing information associated with products located within a physical store (in-store products); and a plurality of mobile devices, with each mobile device being located within the physical store and in communication with the central server. A communication to the central server from one of the mobile devices initializes a combined shopping session in which two or more mobile devices of the plurality of mobile devices located within the physical store are used to scan in-store products. Information associated with each in-store product scanned by the two or more mobile devices is retrieved from the database and added to one of a plurality of individual shopping transactions. The information within the plurality of individual shopping transactions is subsequently combined into a single, combined shopping transaction.

Abstract: Systems and methods are disclosed for managing usage rights with a uniform code. Contract terms for licensing a property, such as a data product, can be represented as combinations of usage rights categories with associated action attributes and provision attributes. These usage rights categories, action attributes, and provision attributes can be encoded to generate a string representing the contract term(s). This string can be leveraged to readily ascertain the usage rights available or desired for a particular property, enabling streamlined management for complex contract terms across numerous properties.

Abstract: Disclosed embodiments may include a system that may receive, from a user device associated with a user, authentication rule(s), each authentication rule associated with respective merchant(s) and comprising respective required authentication factor(s) for completing a transaction with the respective merchant(s). The system may identify a user has navigated to a merchant webpage and may determine at least one rule of the authentication rule(s) associated with the merchant. The system may identify first required authentication factor(s) corresponding to the at least one rule, and may cause the user device to display, via a GUI, the first required authentication factor(s). The system may receive, via the user device, authentication information associated with the user. The system may determine whether the authentication information satisfies the first required authentication factor(s). Responsive to making that determination, the system may enable the user to complete a transaction via the merchant webpage.

Abstract: A distributed ledger-based system, method and apparatus for managing tasks. An authorization record proposal is validated by a localized blockchain authorization network against a validated schema published by, in some cases, a core blockchain network. Once validated, it is published on a localized channel for use by other nodes to validate actions of the task as the task is being performed. Data relating to completed tasks may be shared in accordance with sharing information in the validated authorization record and the data may be deleted upon the occurrence of a predetermined condition.

Abstract: After sending a request to a payment module, via a first communication capability (e.g., BLE), to initiate a transaction with a payment accepting unit associated with the payment module, a mobile device with one or more processors, memory, one or output devices, and two or more communication capabilities obtains a notification from the payment module via the first communication capability. The notification indicates an event at the payment accepting unit associated with the payment module. In response to obtaining the notification, mobile device provides a representation of the notification to a user of the mobile device via the one or more output devices of the mobile device. For example, a message is displayed on a display of the mobile device, a vibration alert is produced by a vibration mechanism of the mobile device, an aural alert is produced by a speaker of the mobile device, and/or the like.

Abstract: The present disclosure provides an image-based search method, which is applied to a server. Said method comprises: according to image content in an image to be searched, extracting a target set from an index library; according to the attribute of each target in the target set, determining the number of targets corresponding to the attribute of each target; and according to the number of targets corresponding to the attribute of each target, sending a display target and the attribute of the display target to a terminal.

Abstract: Disclosed herein are multispace parking pay stations comprising: at least one processor, a memory, a communications element, a printer, and a computer program including instructions executable by the at least one processor to create an application comprising: a software module receiving a unique identifier associated with a parking customer, the parking customer having executed a mobile payment for parking in a space associated with the pay station; a software module transmitting the unique identifier to a central parking management server and querying the central parking management server with the unique identifier to identify the parking customer and verify the mobile payment; and a software module generating and sending instructions to the printer to print a payment verification for the parking customer.

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: A computer program product for prioritizing order fulfillment at a retail sales facility receives purchase request information at a retail sales computing device that includes identifying information and order information for the first customer, receives location information for the first customer, processes the received location information for the first customer together with location information of the retail sales facility to predict an estimated time of arrival (ETA) for the first customer at the retail sales facility, schedules a time interval for acquiring updated location information for the first customer, and places the identifying information, order information and ETA for the first customer in an order fulfillment queue for all current customers. Entries in the order fulfillment queue are ordered in increasing ETA order. ETA is continuously updated for each customer, and thereby the order for fulfilling customer orders in the order fulfillment queue.

Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.

Abstract: Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving an express checkout request and electronic transaction data from an electronic transaction browser. The digital wallet system may determine whether a user is enrolled in the digital wallet system. The digital wallet system may transmit a verification request to the electronic transaction browser upon determining the user is enrolled in the digital wallet system. The digital wallet system may receive a verification response from the electronic transaction browser. The digital wallet system may generate a graphical interface including predetermined user data. The digital wallet system may complete an electronic transaction based on the user response.

Abstract: A vehicle control device includes an acquisition unit configured to acquire detection information in a current traveling state and position information indicating a current position of a vehicle, a transmission unit configured to transmit traveling information in which the detection information and the position information are associated with each other to an external management device, a reception unit configured to receive changed specification information of the vehicle transmitted when the management device determines that specifications of the vehicle need to be changed, and a control unit configured to change the specifications of the vehicle corresponding to the specification information and reflect the changed specifications in traveling control.

Abstract: A secure transaction system, computer program recording medium and method facilitate secure, in-person peer-to-peer transaction. A controller of the secure transaction system authenticates first and second parties of a transaction via respective first and second user devices. A financial trustworthiness of at least the second party is determined. The controller vouches for the financial trustworthiness of the second party to the first party via the first user device. The controller brokers an in-person transaction that comprises transfer of physical value from the first party to the second party. In response to receiving confirmation of the transfer to the physical value between the first and second parties, the controller adjusts first and second financial accounts respectively associated with the first and second parties to reflect the transfer.

Abstract: A method includes generating a list of transactions performed by a user during a predetermined preceding time period; tabulating the list of transactions into a plurality of transaction groups, each transaction group having a matching characteristic; ranking the plurality of transaction groups; selecting at least one transaction group from the plurality of transaction groups based on the ranking of the plurality of transaction groups; generating a graphical user interface including at least one menu item corresponding to the at least one transaction group; and displaying the graphical user interface via a display.

Abstract: Systems and methods for tracking of eco-friendly activities performed by a user in finance related actions and rewarding the user for performing the eco-friendly activities. The method includes receiving a transaction file related to the financial transaction performed by the user who has enrolled for a green-score reward service. The green-score reward service is hosted by a server system to encourage the eco-friendly activity performed by the user. The method further includes determining whether the financial transaction comprises at least one attribute from a plurality of attributes which corresponds to the eco-friendly activity. The at least one attribute is determined based on a presence of one or more green bits in the transaction file related to the financial transaction performed by the user. Upon determination, the method further includes updating a green-score in a user profile associated with the user enrolled for the green-score reward service.

Abstract: A method of assigning products to shoppers can be provided by determining that a plurality of shoppers are collaborating with one another to purchase a plurality of products included on a shared shopping list, receiving shopper characteristics for the plurality of shoppers, receiving respective parameters for the plurality of products included on the shared shopping list, assigning respective sub-lists of the plurality of products for picking by respective ones of the shoppers at a retail shopping location based on the shopper characteristics for the respective ones of the shoppers and the respective parameters for the plurality of products included on the shared shopping list, and providing the respective sub-lists of the plurality of products to the plurality of shoppers. Related systems are also disclosed.

Abstract: Computer-implemented methods and systems for using a resource locator and customer identifier to identify transactions associated with certain characteristics. An example method comprises monitoring transaction data and storing it within a database. Transaction data associated with a customer is stored at a storage location within the database, and the storage location is associated with an identifier and accessible via a resource locator. A request is received that is associated with purchase activity of the customer and specifies a time period and transaction characteristics(s). It is determined that that the request is associated with the identifier. Based at least in part on the identifier and the transaction data associated with the customer, transaction(s) of the customer occurring within the time period and including the characteristic(s) are identified.

Abstract: In certain embodiments, a physical network access token at a network access terminal may be authenticated for modification of records at a remote server system. In some embodiments, a set of records and counterpart records having the same record identifiers and resource amounts may be stored independently on a physical token or user device and the remote server system. When a connection is established between an access terminal and the physical token (e.g., for authenticating a modification of record(s)), the access terminal may transmit input data to the token, which may use the input data with the records stored on the token to generate authentication data, which may be used by the remote server to authenticate a network action requested via the token.

Abstract: A method and a system for providing a financial transaction using an empty card are provided. The method for providing a financial transaction using an empty card includes receiving, by a server, a virtual card number generated by a program included in a user terminal, searching, by the server, for an empty card storage location at which the empty card is registered, in a storage location search algorithm based on the virtual card number, searching, by the server, for a real card number storage space linked to a user identification (UID) assigned to the found empty card storage location, extracting, by the server, a real card number stored in the real card number storage space, and performing, by the server, a financial transaction progress or a financial transaction progress request with the extracted real card number.

Abstract: Systems, devices and methods for managing a preferred energy supply chain are provided. A system including a specialized hardware- and software-based control system with access to a network including one or more distributed ledger(s) authorizes one or more energy distribution entity(ies) to reserve future right(s) to preferred energy for distribution to customers using new forms of promissory tokens (e.g., reserved preferred energy tokens). The system includes a secure metering device with a crypto-processor, holding an asymmetric cryptography key pair associated with preferred energy production hardware. The device is physically attached or integrated with the production hardware, and exclusively holds a unique private key of the asymmetric cryptography key pair, while publishing only the public key of the key pair through the network. The system authenticates production of, and transactions in, clean energy using new forms of smart contracts between buyers and sellers, with the aid of a governance body.

Abstract: A trolley includes a weighing balance mounted on the trolley and configured to weigh at least one item placed on the weighing balance; a display; a communication module configured to receive order data indicative of an order including one or more items, wherein at least one of the items is defined by weight; a memory configured to store the order data; a processor configured to: control the display to output an indication of at least some of the one or more items, determine a weight of one of the items defined by weight placed on the weighing balance, and control the display to output the determined weight of the at least one item from the weighing balance on the display.

Abstract: Remote deposit of checks can be facilitated by a financial institution. A customer's general purpose computer and image capture device may be leveraged to capture an image of a check and deliver the image to financial institution electronics. Additional data for the transaction may be collected as necessary. The transaction can be automatically accomplished utilizing the images and data thus acquired.

Abstract: Objects associated with a self-checkout area are identified and tracked through transaction data comprised of transaction details, device statuses, transaction interrupts/events, and video feeds during transactions on Self-Service Terminals (SSTs). Selective objects and selective transaction data are correlated together in a group for each transaction. Actions required of an attendant who is managing the transactions are identified for each group. An Augmented Reality (AR) interface is provided on an attendant-operated device that visually and uniquely identifies the actions, each group requiring a given action, and each object of each group that is to be the subject of the given action. In an embodiment, remote verification, audit, and override actions are processed through gestures made by the attendant and detected by the AR interface.

Abstract: A system of managing electronic receipts is described herein. The system includes a point-of-sale system, a unique identifier detection mechanism, and a server. The point-of-sale system is configured to register a plurality of goods and/or services, comprising a transaction receipt. The unique identifier detection mechanism detects a first unique identifier and a second unique identifier. The server is in communication with the point-of-sale system and includes a processor configured to register the payment of the transaction receipt as a function of the first unique identifier and a memory device is configured to store a database with a plurality of receipt-data storage locations. In response to the approval the payment, the point-of-sale system forwards the second unique identifier and the transaction receipt to the server and stores the transaction receipt within the receipt-data storage location associated with the second unique identifier.

Abstract: An example system for digital wallet management including one or more databases and a computing system is described. The databases are configured to store data corresponding to purchase history of a user, the purchase history including payment account information for a first transaction captured through a reader at a point-of-sale system at the time of the first transaction and an identifier associated with the first transaction. The computing system receives a machine-readable element having the identifier associated with the first transaction encoded therein, searches the databases to determine the payment account information associated with the identifier, generates a prompt requesting confirmation of adding the payment account information for the first transaction to a digital wallet, receives positive confirmation to the generated prompt, and populates the digital wallet with the payment account information.

Abstract: Systems, methods, apparatuses, and computer-readable media for secure generation of one-time passcodes using a contactless card. In one example, an operating system (OS) of a device may receive a uniform resource locator (URL) and a cryptogram from a contactless card. The OS may launch an application associated with the URL. The application may transmit the cryptogram to an authentication server. The application may receive a decryption result from the authentication server indicating the authentication server decrypted the cryptogram. Based on the decryption result, the application may request an OTP. The processor may receive an OTP from an OTP generator. The application may receive an input value and compare the input value to a copy of the OTP. The application may determine that the comparison results in a match, and display, based on the determination that the comparison results in the match, one or more attributes of the account.

Abstract: A contactless card reader comprises a contactless card reader front-end coupled to a processor. A communications module is coupled to the processor and a set of sensors is coupled to the processor. The set of sensors determines parameters related to the location, orientation and motion of the card reader. The processor receives the parameters from the set of sensors and utilizes the parameters and scenario configuration data to evaluate a rule. The result of the evaluation of the rule results in a limitation on the operation of the card reader. The communications module is configured to intermittently receive the scenario configuration data from external sources.

Abstract: Disclosed herein is a method and system for routing payment transactions of a payment account. After the payment transaction is initiated, a payment server identifies flag information from the payment request indicating a payment account to be multi-configurable. When the payment server identifies that the payment request is from the POS device, the payment server retrieves primary configuration details corresponding to the payment account from a routing service and routes the payment transaction for the payment request to an issuer corresponding to the primary configuration details. Further, when the payment server identifies that the payment request is from a payment gateway, the payment server retrieves a list of names of configuration details corresponding to the payment account from the routing service for selection.

Abstract: Systems and related methods providing for online ordering of menu items from a merchant are discussed herein. Circuitry may be configured to generate an online menu based on menu information stored in a menu database. The menu information may be also configured to facilitate point-of-sale functionality at the merchant, such as by a point-of-sale device. The online menu may be provided to a consumer device. An online order may be received from the consumer device. The circuitry may be configured to process the online order, such as by facilitating a reservation, order preparation, and payment.

Abstract: Manufacturers produce various soup stock packs, and try to meet preferences of users who are consumers. However, there is a problem in that users have no opportunity to more voluntarily get involved in making user's preferred soup stock packs. For solving the above problem, a soup stock pack production method including: a selection accepting step of accepting a selection of a predetermined number of foodstuffs from a plurality of foodstuffs each of which is a material of a soup stock; a composition ratio acquiring step of acquiring respective composition ratios of the selected foodstuffs; a grinding step of grinding the selected foodstuffs based on the acquired composition ratios; and a packaging step of making a soup stock pack by packaging the plurality of ground foodstuffs, and the like are provided.

Abstract: A method, a system, and a computer program product for managing multimedia streams of user devices. A reproduction of one or more multimedia streams on a first computing device is determined. A location of a second computing device being positioned in an area enclosed by one or more boundaries in a plurality of boundaries is detected. Each boundary in the plurality of boundaries is associated with a predetermined type of a multimedia stream in one or more multimedia streams. At least one of a pausing and an unpausing of the reproduction of one or more multimedia streams on the first computing device based on the detected location of the second computing device is executed.

Abstract: Systems, methods, and computer-accessible mediums for user verification through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. User verification may be provided in the context of reading two types of data from the short-range transceiver, such as a contactless card, using a client device, sending the data to a server, obtaining identifiers from each data type and comparing with stored user identifier data. Matching stored user identifier data to two forms of identification data obtained from a short-range transceiver, such as a contactless card, provides an enhanced ability to verify that the short-range transceiver is being used by an authorized user.

Abstract: Various embodiments of the present disclosure provide techniques for facilitating a credential-less exchange over a network using a plurality of identifier mappings, member interfaces, and security code tuples that are tailored to an ephemeral key. The techniques may include receiving a secured interaction request and issuing or enabling a previously issued universally unique ephemeral key (UUEK) in response to the secured interaction request. The techniques may include validating a user, instrument, or UUEK and, in response, storing a secured event for the user, instrument, or UUEK and providing a secured interaction response indicative of the secured event. The techniques may include subsequently receiving an exchange request for executing a value-based exchange using the UUEK and facilitating the exchange request based at least in part on the secured event.

Abstract: A system including a computing device may receive base map information, including attribute information associated with a plurality of road segments, and trip request information. Based on this information, a route for the user to travel may be determined. The system might further calculate a risk score for each road segment forming the route, and generate a risk map based on the risk score and the route. The risk map may then be displayed to a user. The risk map may include markers or other objects depicting potential risks along the route the driver may face. Also, the risk map may be updated based on information collected from a sensor coupled to the vehicle or located at the road segment to reflect actual, real-time risk scores calculated using an equation for providing a risk score for a particular driver driving a particular vehicle on a particular road segment.

Abstract: A battery-powered generator includes a first power transfer switch arranged to: i) receive, via a first input connection, a first AC electrical power signal from a gas-powered generator; ii) receive, via a second input connection, a second AC electrical power signal from a DC to AC power inverter, and iii) selectively connect an output connection to one of the first input connection associated with the first AC electrical power signal and the second input connection associated with the second AC electrical power signal. The generator includes a bank of one or more batteries arranged to output a DC electrical power signal. The DC to AC power inverter is configured to i) receive the DC electrical power signal and ii) generate the second AC electrical power signal.

Abstract: Systems and methods are disclosed for generating electronic receipts (e-receipts) at point-of-sale (POS) terminals associated with a merchant at a retail location. The systems and methods include a near field communication (NFC) reader and an NFC-enabled payment vehicle. A POS terminal processes a payment transaction after an initial interaction between the NFC reader and the NFC-enabled payment vehicle. An e-receipt is generated when a second interaction is detected between the NFC reader and the NFC-enabled payment vehicle.

Abstract: A digital health solution system includes: a virtual pharmacy including one or more processors configured to operate a web portal for user devices via a network, the web portal serving as a marketplace for digital health solution applications available for download by and activation on user devices; a digital health marketplace including one or more processors configured to, in response to receipt of user input from a user device: determine activation criteria for a selected one of the digital health solution applications; and transmit the activation criteria to the virtual pharmacy, where the one or more processors of the virtual pharmacy are configured to transmit the activation criteria to the user device via the network; and where the user device is configured to, using the activation criteria, at least one of download and activate the selected one of the digital health solution applications.

Abstract: A system has a datastore including a pro-rata digital wallet associated with a cardholder. The pro-rata digital wallet includes two or more payment card accounts. The system includes a processor programmed to receive an authorization request message from a point-of-sale terminal. The authorization request includes an identification number from a transaction device presented by the cardholder. The processor is programmed to determine whether the identification number corresponds to one of the payment card accounts associated with the pro-rata digital wallet and, if so, identify each of the payment card accounts associated with the pro-rata digital wallet. The processor is programmed to determine a pro-rata payment amount for each of the payment card accounts associated with the pro-rata digital wallet. Each pro-rata payment is based on an available balance of each of the payment card accounts relative to a total available balance for a combination of each of the payment card.

Abstract: An apparatus for detecting anomalous dispensing machine obtains a set of test signals that includes electromagnetic signals propagated from internal component of a dispensing machine. The apparatus extracts a set of test features from the test signals. The apparatus obtains a set of baseline signals associated with the dispensing machine, where the baseline signals includes expected electromagnetic signals associated with the internal components of the dispensing machine. The apparatus extracts baseline features from the baseline signals. The apparatus compares each of the test features with the counterpart baseline feature. The apparatus determines whether the deviation between the test features and baseline features is more than a threshold percentage.

Abstract: Systems and methods to adjust a unit of experience based on digital assets of users are disclosed. Exemplary implementations may: manage first user information of a first user; receive an authentication request from the first user; determine whether the authentication information input is valid by comparing the authentication information input and first authentication information included in the first user information; determine, responsive to determination that the authentication information input is valid, a set of one or more digital assets that are associated with a first address included in a first digital wallet of the first user based on one or more transactions including the first address and the one or more digital assets of the set; determine a set of one or more entities correlated to the set of the one or more digital assets; determine and effectuate adjustments to the first unit of experience based on the correlated entities.

Abstract: Systems and methods for processing encoded symbols to facilitate secured communication between a mobile device and one or more database systems is provided. Communication between the mobile device and the database systems is performed to update database tuples in the database systems based on processing of the encoded symbols. The encoded symbols may correspond to QR codes and updating database systems may include administering quick response (QR) code-enabled payment transactions.

Abstract: A system and method for initiating manufacturing of an edible combination includes a computing device, the computing device configured to identify at least a biochemical profile as a function of a first biological extraction, generate at least a new profile as a function of a second biological extraction, produce at least a self-based nutritional program, wherein producing further comprises determining at least a corporeal variation as a function of the biochemical profile and the new profile using at least an analysis process, identifying a nutritional deficiency as a function of the corporeal variation, and producing the self-based nutritional program as a function of the nutritional deficiency, and initiate at least manufacturing of an edible combination as a function of the at least self-based nutritional program.

Abstract: A system and method for funding for communications, the system including instructions for displaying, using a processor connected to a network, a first communication associated with an interest, wherein the displaying of the first communication is on a user feed of a graphical user interface accessible by a user via a web browser or a mobile application; and displaying an icon positioned within or adjacent to the first communication on the user feed, that indicates the first communication is trumpetable and that the user can pay a monetary contribution to fund further propagation of the same. The processor registers a user input indicating a fixed amount of currency as the monetary contribution; performs a transfer of the currency from a user financial account to a second account designated to hold funds for the further propagation of the trumpetable communication; and projects the funded trumpetable communication to an advertising medium.

Abstract: A consumer terminal for a point-of-sale (POS) system used in performing a POS transaction between a merchant and a consumer. The consumer terminal includes a touch screen display having a touch panel, a secure processor in a physically secure area and a main processor in a non-secure area. The main processor is configured to display a series of screens to guide a consumer through the POS transaction. Upon receiving a request for secure data from the main processor, the secure processor instructs the main processor to exit pass-through mode and enter a secure touch mode. Upon a determination that the request for secure data is complete, the secure processor instructs the main processor to exit secure touch mode and return to pass-through mode.

Abstract: Transaction records for self-service checkout transactions are provided in real-time to a customizable machine-learning rescan audit service. Any retailer defined settings with respect to random audits are enforced by the service and the real-time transaction records are provided to a machine-learning model that returns rescan scores based on the real-time transaction records. The service compares the rescan scores in view of retailer-defined suspicious scores for both a full rescan of a given checkout transaction and a partial rescan of the given checkout transaction. The service alerts the retailer when a rescan audit is predicted to be warranted for any given self-service checkout transaction based on random selection or based on the computed rescan score. The machine-learning model is continuously and regularly retrained. In an embodiment, the service provides reports, a dashboard, and mining of the transaction records and the audits to the retailer though a service-provided interface.

Abstract: Apparatuses, methods, and systems are disclosed for provisioning a remote unit via a smart contract in a blockchain network. One apparatus includes a processor and a transceiver, wherein the processor controls the transceiver to emit a first event in response to receiving a first blockchain message from a first blockchain address and collect a plurality of second blockchain messages. Here, the first event including information about a remote unit and each second blockchain message containing a subscription offer for the remote unit. The transceiver emits a second event in response to receiving a third blockchain message from the first blockchain address. Here, the third blockchain message including user selection of one of the collected subscription offers. The transceiver receives a fourth blockchain message containing provisioning data for the remote unit and emits a third event after successfully validating the fourth blockchain message.

Abstract: A system includes a customer database that stores user information regarding a plurality of customers; a network interface configured to communicate data over a network; and a processing circuit. The processing circuit is configured to: receive a first indication that a customer is within a first predetermined distance of an automated teller machine (ATM) drive-through area; transmit an authorization signal to the customer computing device configured to activate an ATM pre-stage function of an application implemented on the customer computing device to pre-stage an ATM transaction; receive a second indication that the customer is within a second predetermined distance of an ATM in the ATM drive-through area; transmit transaction information regarding the ATM transaction to the ATM; and authorize the ATM transaction at the ATM in an ATM drive-through area based on the transaction information.

Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.