Abstract: Systems and techniques are provided for a resource transfer system. An instruction to transfer a first quantity of a resource from a first resource pool to a second resource pool may be received. A hold may be placed on a second quantity of the resource in the first resource pool. The held second quantity of the first resource may not be transferred from the first resource pool until the hold is released. Responsive to receiving a message that fulfills a condition on the hold and an instruction to execute the transfer, the hold may be released. A register that is in the first resource pool and is associated with the resource may decremented by the first quantity, and a register that is in the second resource pool and is associated with the resource may be incremented by the first quantity.

Abstract: Techniques to provide secure access to a service via an unmanaged device are disclosed. In various embodiments, a request from an unmanaged device to access a service is received via a communication interface. A user associated with the request is authenticated at least in part by prompting the user to use a managed device associated with the user to interact with data displayed at the unmanaged device. Access to the service is provided via the unmanaged device at least in part via a virtual browser instance running on a secure node and configured to access the service on behalf of the user and stream data associated with the service to the unmanaged device.

Abstract: A method with the steps of obtaining first information by a deliverer, wherein the first information includes: delivery consent information from which it follows that a person consents to the delivery of a shipment identifiable using the delivery consent information despite the absence of the person, wherein the shipment contains a good which must be paid for; paid information from which it follows that a payment for a good contained in a shipment identifiable at least using the paid information has been performed; or payment information with which a payment for a good contained in a shipment is permitted to be performed at a person's expense without further involvement of the person; and delivering the shipment or displaying second information, wherein obtaining the first information is a necessary condition for performing the delivering of the shipment or the displaying the second information.

Abstract: A method and system for biometric self-enrollment is provided. A user can receive a portable device and an enrollment device, as well as an enrollment identifier in a separate communication. The user can couple the portable device and the enrollment device, enter the enrollment identifier into the enrollment device. Using the coupled portable device, the user can capture a biometric that can be stored on the portable device. At another time, a user can provide an additional biometric to the portable device. The portable device can compare the biometric received during the biometric self-enrollment and compare it to the additional biometric as part of a biometric authentication procedure. An enrolled portable device can be utilized for a variety of subsequent transactions.

Abstract: In some implementations, a device may provide, for display via a display screen, a graphical user interface (GUI) that includes a first page and one or more sheets corresponding to respective secondary pages, wherein the one or more sheets include respective sets of one or more display elements from respective sets of display elements associated with the respective secondary pages. The device may detect a first gestural interaction in an area of the display screen that is associated with a portion of the GUI, the first gestural interaction indicating an action. The device may update, based on detecting the first gestural interaction and the action, the GUI to cause one or more other portions, from the first page and the one or more sheets, of the GUI to display updated information in accordance with the action. The device may provide, for display, the GUI indicating the updated information.

Abstract: A device may receive, from account entity devices, sets of transaction data for transactions between merchants and customers, and may use a first machine learning model to assign the customers to clusters based on measures of similarity among the sets of transaction data. The device may determine travel-related data items in a set of transaction data, of the sets of transaction data, associated with a set of customers assigned to a particular cluster, and may use a second machine learning model to identify a travel experience that has a threshold likelihood of being of interest to the set of customers. The device may receive offers relating to the travel experience, and may provide, to customer devices associated with customers of the set of customers, travel offer packages that include at least one of the offers relating to the travel experience.

Abstract: Methods for email-based e-commerce using SMS and social media and for an e-commerce stock management system are disclosed. A method for email-based e-commerce using SMS includes receiving, via a social media network, a request from a customer to make a payment via email; generating a first email message that includes a mailto hyperlink and solicits payment in a predetermined amount; transmitting the first email message to the customer; and receiving an email message from the customer confirming payment in the predetermined amount. A method for an email-based financial management system includes storing user based settings, based on stock market events and a plurality of predetermined actions; determining when a stock market event occurs; transmitting a confirmation email to a customer requesting confirmation to perform a predetermined action; receiving a confirmation email from the customer to perform the predetermined action; and performing the predetermined action.

Abstract: A connection-based service impersonates request-based security for requests from clients that do not include credentials for the requests (e.g., data plane requests made via a connection-oriented security). A connection between a client and a connection-based service is established based on connection credentials that are based on security credentials from a request-based security service. The credentials are sent by a security component of the service to a local agent of the remote security service to be authenticated by the security service. An impersonation token is returned by the security service and cached by the local agent. Requests from the client to perform operations do not include credentials. For each request, the service passes an identifier for the client and the operation to a local authorization component that calls the agent for authorization of the requested operation. The agent uses the impersonation token to obtain authorization for the requested operation.

Abstract: System and methods of contactless card authentication systems include a contactless card and a client device having an application, a processor, and a card reader. An application on the client device receives a transaction lockdown request, sends a request to the server to begin to allow a transaction approval within a time period, receives the transaction approval via an authentication tap from the contactless card, sends the transaction approval to the server; and receive an allowance or disallowance response from the server.

Abstract: Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.

Abstract: A computer-implemented method is disclosed. The method includes: receiving, via a first application, a request to connect a first data record associated with the first application on a computing device with a second data record associated with a second application on the computing device; establishing a secure data communication channel between the first application and the second application; receiving, via the first application, a request for transfer of data between the first application and the second application; and in response to receiving the request, transmit, by the first application to the second application via the secure data communication channel, a message comprising the second device token using a trusted link associated with the second application.

Abstract: A point-of-sale (POS) system may use biometric or other contactless techniques to determine tokenization data that attributes a transaction with a particular payment account for settlement. A first payment method specified by a user for use at the POS may be issued by a first bank that does not participate in tokenization. A second payment account associated with a different entity and issued by a second bank that does support tokenization is associated with the first payment method. The POS transaction completes, using a token associated with the second payment account. Another transaction then takes place in which the second bank charges the first bank for the amount of the completed transaction.

Abstract: A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

Abstract: A method of intelligently verifying real estate transaction procedure is implemented in a system of intelligently verifying real estate transaction procedure including an intelligent real estate transaction procedure platform system and an intelligent real estate transaction procedure management system. The intelligent real estate transaction procedure platform system enables a buyer to start a real estate transaction procedure and stores relevant real estate transaction documents and real estate transaction records in a proof system as proof.

Abstract: Techniques for performing secure contactless payments are disclosed. An example apparatus includes an external contactless card reader, including a first short-distance communication antenna, connected to a card reader terminal using a feed line. The first short-distance communication antenna is configured to convert an electromagnetic signal including data received from a contactless payment card into an analog signal and is not configured to digitize the analog signal. The card reader terminal includes a short-distance receiver circuit and a secure controller, both located within a secure area, and a second short-distance communication antenna, wherein the first and second short-distance communication antennas are connected via separate paths to the short-distance receiver circuit.

Abstract: A controller for a DC microgrid and associated renewable energy source, RES, units. The DC microgrid comprises energy storage, ES, units and consumer units that are interconnected by a DC distribution network. The DC microgrid is connected to an AC grid to allow power to flow between the DC microgrid and the AC grid. The controller has three levels: a first for controlling daily operations, a second for making optimizing adjustments to the first level control based on historical data and the weather forecast, and a third which is an analysis level for modelling how changes in provision of the number of RES units and ES units would affect the DC microgrid's dependency on power from the AC grid. The output of the third level thus enables incremental changes to be made to provision in order to reduce, ideally eliminate, the net power demand from the AC grid.

Abstract: The present subject matter involves a system and method for producing and processing electronic transactions, including electronic checks, in a secure manner. In various embodiments, a secure server provides an electronic check service that maps payees to participating lockbox service providers and provides electronic payment instructions from the payor to the lockbox service providers to process payments to the payees. In various embodiments, a check is printed to fulfill Check21 Act requirements, electronic images are obtained of front and back of the printed check, and check image pairs are created of the electronic images of the front and back of the printed check. In various embodiments, paper items are processed where the electronic check service does not find an electronic deposit match. In various embodiments, the electronic lockbox files are used in a secure electronic payment platform that assists in the generation of electronic checks.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, generate and provision digital tokens based on dynamically obtained contextual data. For example, an apparatus may receive first information that characterizes an exchange of data initiated by a first application program executed by the apparatus, and may generate and transmit a signal to a computing system through a programmatic interface associated with a second application program executed by the apparatus. In some instances, the first signal may include the first information and data that instructs the computing system to obtain a digital token representative of a data type available for use in the data exchange. The apparatus may also receive a second signal that includes the digital token and based on the digital token, perform operations that present second information characterizing the available data type on an interface.

Abstract: Electronic transfers of value may be secured via verification of locations of parties, and/or progressive trust building, while maintaining privacy of sensitive personal information of parties via separate communications by parties with a payment network server. Locations may be fixed geolocations, proximities, and/or positions relative to markers/beacons that are in motion. Transfers may be made from party to party, party to place and place to party, and/or party to a virtual point-of-sale at a place. Transferred items may be electronic funds in fiat and/or crypto currencies, Non-Fungible Tokens (NFTs)/data associated NFTs, electronic data, and/or securities/financial instruments, for example. Transactions may be multiparty and may comprise multiple exchanges of value.

Abstract: Systems and methods for performing a transaction with a headless point-of-sale or automated teller machine (ATM) device are disclosed using a card having a second communications path to a financial services provider. A card having a display and radio frequency (RF) communications module may be authenticated with a headless point-of-sale device using a short-range RF communications link. Characteristics of the card may be set prior to the transaction. Transaction information may be provided to the display of the card from the headless point-of-sale device. A customer may confirm the transaction at the card using a touch-sensitive input area. During the processing, a communication may be made over the second communications path to authorize the transaction independently of the transaction processing path. A transaction may then be completed at the headless point-of-sale device.

Abstract: In some embodiments, a method includes receiving an input including an educational objective for a user having an associated user device. The method includes sending a signal to receive Global Positioning System (GPS) transit data associated with a transit from a first location and a second location. The method further includes determining, based on a set of parameters and the GPS transit data, an effective transit time and selecting a set of educational content files that meet the educational objective. The method includes selecting, based on the effective transit time, a subset of the set of parameters and at least one characteristic associated with each educational content file, a subset of educational content files. The method further includes determining an order for the subset of educational content files to provide the subset of educational content files to the user device within the effective transit time to meet the educational objective.

Abstract: An arbitraged enhanced payment processing system in association with a distributed enhanced payment processing system includes a merchant point of sale (POS) terminal system and a remote payment management system. The POS terminal system initiates a transaction that includes receiving a payment amount, a purchaser account identifier, a virtual electronic payment indicator, and a merchant ID via a payment client. Subsequently, the POS terminal system outputs the transaction to the remote payment management system which generates a token for the transaction. The payment management system then provides the purchaser account identifier, a merchant account identifier, and the payment amount to a payment processing servicer. Upon receiving a payment processing servicer response, the payment management system outputs the response and token to the POS terminal system.

Abstract: Apparatus and methods for utilizing non-fungible tokens (“NFTs”) for payment redemption and remittances are provided. A payor may use a computer program product to create an NFT. The NFT may include a digital envelope and metadata. The digital envelope may include one or more payment terms as a payment statement and the payment funds. The NFT may be transferred to a digital wallet belonging to a payee. The payee may select an option to redeem the payment funds. The payment funds may be transferred to the payee per the selection.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a selection of a transaction account to be used as payment for a transaction; and transmitting a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes alias transaction account data in place of actual transaction account data.

Abstract: A first user device may be used to request provisioning of a secure credential on a second user device. A provisioning system may facilitate the provisioning in a manner that ensures security and privacy of the requesting parties. The provisioning requests may be made using an application on the first user device such as a third-party application or using a web application via a browser. The credential may be added to a digital wallet on the second user device. The credential may be useable by the second user device to perform one or more contactless transactions.

Abstract: Methods, apparatuses, and computer program products for event-based payment orchestration are provided. An example method includes receiving, via an orchestrator device, a request for a payment process configuration from a first participant device. The orchestrator device includes a plurality of payment process configurations stored locally by the orchestrator device, each of the plurality of payment process configurations include configurable instructions for performing an associated portion of a payment process, and the request includes a plurality of first participant requirement parameters. The method includes determining a first payment process configuration based upon the plurality of participant requirement parameters and providing the first payment process configuration to the first participant device. Modifications to the first payment process configuration by the first participant device are stored locally by the first participant device.

Abstract: Apparatuses and systems for wearable devices such as eyewear are described. According to one embodiment, the wearable device includes a frame, onboard electronics components, and an antenna disposed around an eyepiece area of the frame that is configured to hold an optical element. The antenna is configured for inductive coupling. In some embodiments, a switch coupled to the antenna allows selection between circuitry for inductive charging of a battery and near-field communication (NFC) circuitry for communicating data via the antenna.

Abstract: Disclosed herein are system, method, and computer program product embodiments for sorted parallel processing of large dataset to provide quicker search results to a user. An embodiment operates by receiving a search request containing a first attribute from a user, determining an intermediate result set of items in a database based on the search request, and sorting the items based on a second attribute of the items. The embodiment further operates by dividing the sorted items into a plurality of batches with sequential IDs, determining a result corresponding to the first attribute for each item in parallel, creating a sequentially-ordered list of determined results, identifying a subset of determined results based on a comparison between the determined results and a target result, determining a final result set of items, and returning at least a portion of the final result set of items to the user.

Abstract: Systems and methods are disclosed for performing payment transactions using indicia-based associations between two or more user interfaces. One method includes: receiving transaction information related to a user's selection of goods or services from a merchant; generating an indicia encoding the transaction information related to the selected goods or services, the merchant, and the transaction amount; transmitting the indicia to be displayed, and to enable a user interface of a first user device to scan the indicia and extract the transaction information; receiving from the first user device, an authorization to process the payment transaction using a mobile payment source; and if sufficient resources exist in the mobile payment source: generating and transmitting a low value token to the merchant indicating the authorization of the payment transaction, wherein the low value token conceals the information related to the mobile payment source; and processing the transaction using the mobile payment source.

Abstract: A method for preventing misuse of electronic access permissions, managed in mobile electronic devices using a wallet application and transmitted by a server. A link is purchased from the server, during which a password or authentication data and a mobile electronic device, are specified via the link. When activating the link, an ID of the first mobile electronic device, which is associated with an ID of the purchased access permission, is transmitted to the server. The electronic access permission is only transferable from the first mobile electronic device to another mobile electronic device after the password is first entered with the server. Upon transfer, in the server the access permission ID is associated with the ID of the other mobile electronic device and the access permission stored on the first mobile electronic device is marked as invalid.

Abstract: A method includes a server computer receiving a cryptogram request message comprising a token associated with a first credential during an interaction between a user of a user device and a resource provider of a resource provider application on the user device. The server computer generates a detokenization request message comprising the token. The server computer then provides the detokenization request message to a token service computer. The server computer receives a detokenization response message comprising a second credential from the token service computer. The server computer obtains a cryptogram for the interaction. The server computer generates a cryptogram response message comprising the second credential and the cryptogram, and then provides it in response to the cryptogram request message.

Abstract: A method for processing a multi-account check includes: receiving a first authorization request including a transaction amount, an account identifier, and a check number; identifying a blockchain associated with the account identifier including a plurality of blocks, each block including a block header and blockchain data values, and a blockchain data value included in one of the blocks including the check number; generating two or more additional authorization requests including a payment amount, an alternate account number, and an alternate check number, where the alternate account number included in each of the additional authorization requests is unique among the additional authorization requests and a total of the payment amount included in the additional authorization requests is based on the transaction amount; and transmitting each of the additional authorization requests to a financial institution associated with the alternate account number included in the respective additional authorization request

Abstract: A user is provided with a GUI that may allow the user to change functionality associated with a non-powered card, a powered card or other device (e.g., a mobile telephonic device). The functionality associated with the device may be displayed by the GUI as a list of third-party applications that may be executed when the user's card or other device is used to complete a purchase transaction. The GUI allows the user to receive and view notifications sent from the third-party application developer via a remote facility that may, for example, allow the third-party application developer to promote the third-party application.

Abstract: An integrated payment system (IPS) and a method are provided for managing payment transactions within an input interface. A payment system is integrated within a keyboard, independent of a messenger application. The IPS renders a payment interface element (PIE) on the keyboard. In response to a user input action on the PIE, the IPS automatically detects a recipient for a payment transaction during an interaction between a sender and the recipient, through the messenger application. The IPS automatically determines an identifier of the detected recipient and account information linked to the detected identifier for executing a payment transaction between the sender and the recipient. The IPS generates and renders transaction information within the keyboard for convenient user access.

Abstract: A complex cryptographic coinage transaction is transactionally sharded into multiple simple cryptographic coinage transactions. The complex cryptographic coinage transaction specifies cryptographic debits and/or deposits to/from multiple input accounts and/or multiple output accounts. The simple cryptographic coinage transactions, however, only specify a single one of the input accounts and/or a single one of the output accounts. A single server within a blockchain environment may thus process one of the simple cryptographic coinage transactions without requiring calls for data from other servers responsible for other accounts.

Abstract: The present invention provides a virtual code-based transaction system, method and program, wherein the method includes a virtual code reception step in which a virtual code verification means receives a virtual code, and the virtual code is generated by a virtual code generation function included in a virtual code generation means, searching, by the virtual code verification means, for a storage location of a User Identification (UID) in the virtual code, searching, by the virtual code verification means, for control command information stored by matching the searched UID, and performing a control command based on the extracted control command information, wherein the virtual code verification means stores a plurality of UIDs and changes control command information matched to each of the plurality of UIDs every preset period.

Abstract: The present invention relates to a virtual token-based settlement providing system, a virtual token generation apparatus, a virtual token verification server, a virtual token-based settlement providing method, and a virtual token-based settlement providing program. The present invention comprises: a step for receiving a virtual token provided by a virtual token generation means, by a virtual token verification means; a step for extracting multiple detailed codes included in the virtual token by the virtual token verification means; a step for searching for a storage location of an actual card number on the basis of the multiple detailed codes by the virtual token verification means; and a step for transmitting the searched actual card number to a payment settlement service server or a financial company server.

Abstract: In a method for providing provisioning information, a central data processing system receives from a transaction data processing system, an encrypted user datum associated with a client user of the transaction data processing system; receives from at least one of a plurality of account administrator data processing systems, a response comprising a notification that a user account administrated by that account administrator data processing system is associated with the client user; receives an account administrator selection message including identification of a user-selected account administrator from an account administrator list; transmits to the account administrator data processing system associated with the user-selected account administrator, a provisioning request for client user account provisioning information; receives from the account administrator data processing system associated with the user-selected account administrator, the client user account provisioning information; and transmits to the t

Abstract: Verifiable order message handling for electronic auctions. Electronic order messages are received, with at least one message including an order of a predetermined type having sell order information associated with an entity having securities not previously registered for transactions. Requests for participation in an electronic auction are identified from among the messages. The requests include auction-only order information, with at least one request including the order of the predetermined type. It is determined whether the sell order information in the order of the predetermined type meets a predetermined auction condition based on an auction price. When the sell order information meets the predetermined auction condition, the order is permitted to participate in the electronic auction, such that the order is executed in full in the electronic auction. When the sell order information does not meet the predetermined auction condition, the electronic auction is canceled.

Abstract: An apparatus and system for casting votes electronically comprises both a host server and a plurality of voting machines at various remote locations. First “user identifying information” for a plurality of potential users who are registered to use the system is pre-stored in memory, either at the host server or at a voting machine, or both. Second “user identifying information” is entered by a user of the voting machine at the time the user wishes to vote. A display on the voting machine presents to the user voting information concerning at least one voting matter for which the user is to make a voting selection. A processor in either the host server or the voting machine, or both, compares the second user identifying information entered by the user of the voting machine with the first user identifying information, if any, previously stored in memory.

Abstract: Example approaches for power quality monitoring in a power distribution grid are described. In an example, monitoring data is received by a communication gateway from a node coupled to it. In an example, there may be multiple nodes in the power distribution grid. Local insights for power quality monitoring may be estimated, based on the monitoring data, using predictive analytics at the communication gateway. The monitoring data and the local insights associated with each of the plurality of nodes is transmitted to the server. Global insights for power quality monitoring may be estimating, using predictive analytics performed at the server, based on the monitoring data and the local insights. An indication to an operator is generated, based on the estimated local insights, global insights and the monitored data, to carry out preventive or corrective action for maintaining the power quality in the power distribution grid.

Abstract: Methods, apparatuses, and computer program products are disclosed for account verification. An example method includes receiving a request for payment transmission from a payment provider device and generating a first verification element for a payment destination device associated with the request for payment transmission. The method further includes transmitting the first verification element to the payment destination device via a first real-time payment message. In an instance in which the computing device receives responsive authorization from the payment destination device, the method includes verifying the payment destination device. In response to verifying the payment destination device, the method includes transmitting a first real-time payment to the payment destination device. In an instance in which the computing device fails to receive responsive authorization from the payment destination device, the method includes transmitting a verification failure notification to the payment provider device.

Abstract: A technique and method for detection and display of the cybersecurity risk context of a cloud environment initiates an inspection of cybersecurity objects within a cloud environment utilizing an inspection environment and stores information pertaining to discovered cybersecurity objects within the inspected cloud environment in a storage environment. The technique and method further generate a cybersecurity risk context for the inspected cloud environment based on the observations made concerning the cybersecurity objects contained within it. The technique and method further configure a web browser running on a client device to automatically display the generated cybersecurity risk context to a user, either through a web page overlay or through a toolbar plugin which has been installed in the web browser and configured to enable inspections of a cloud environment, once the user has navigated to a web page containing cybersecurity object identifiers.

Abstract: An embodiment of the present invention is directed to a Temporal CVV2 of CVV, which may be represented as a temporary three digit number generated using unique credentials associated with a card product. According to an embodiment of the present invention, the Temporal CVV2 may be generated for each transaction request or other defined set of transactions based on one or more factors, including time period/limit, usage, fraud/risk considerations. With this solution, a customer may request a new Temporal CVV2 each time a purchase is initiated. This may include online purchases, e-commerce transactions, manual link and provision requests, customer authentication for servicing channels, etc. An embodiment of the present invention seeks to mitigate risk and provide a safer and secure solution for customers while providing flexibility to make various purchases before a new card arrives.

Abstract: The disclosed computer-implemented method for pooling and transferring digital assets may include detecting a transaction event for a blockchain ledger. The blockchain ledger may include transaction records for a pool of digital assets and accounts collectively owning the digital assets. Each account may own a proportional portion of the digital assets corresponding to an account asset balance. The method may also include calculating an exchange rate based on a cash balance of the pool, a liabilities balance of the pool, and an ownership distribution value. The ownership distribution value may be based on a distribution of the account asset balances. The method may also include updating the cash balance based on the exchange rate and the transaction event, and adding a transaction record for the transaction event to the plurality of transaction records. Various other methods, systems, and computer-readable media are also disclosed.

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.

Abstract: A computerized system and method for management of leased real property comprises various modules which enhance system operations and the user interface for such system. A property management system may receive and process information, such as digital images, whether still or video, both in conjunction with managing the inspection of units after being vacated by a previous tenant, such as for purposes of maintenance and repair, but likewise may make use of some or all of such property management information in the creation of promotional collateral for use by potential residents in a customer-facing graphical user interface.

Abstract: Systems and methods are provided for use in facilitating fund transfers between source accounts and destination accounts. One exemplary method includes capturing a computer-readable indicia representative of: a destination account identifier specific to a destination account of a first party and a name of the first party associated with the destination account and, in response to the captured indicia, displaying the name of the first party as a confirmation that the first party is associated with the destination account. The method also includes identifying a source account identifier associated with a source account based on a selection of the source account or on the source account being a default account, and compiling and transmitting a transfer request for a fund transfer based on: the destination account identifier, the source account identifier associated with the identified source account, and a payment amount for the fund transfer.

Abstract: There are provided systems and methods for a device manager to control data tracking with client devices. A device may implement a manager process or application that allows a user to set preferences and/or a schedule of rates for allowing other online service providers to track user data. This may include placement of device-side data, such as a cookie or pixel, or tracking of device data through an application. The manager process may detect when a website, online platform, application, or other entity attempts to track data on the device and may utilize the schedule of rates to request a payment from the tracking entity. If the entity agrees to the payment, the manager may allow the entity to begin tracking data. However, if the tracking entity does not agree to the payment, then the manager may prevent the tracking entity from collecting data from the device.

Abstract: A system for managing a financial account in a low cash mode. The system may include a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include providing an interface; providing a notification to a user when a balance in the first account is deemed to be in low cash mode; presenting, when the first account balance is deemed to be in low cash mode, an option for a transfer request; receiving, a selection of the option for the transfer request to connect the first account with a second account; transferring funds from the second account to the first account; notifying the user that funds have been transferred from the second account to the first account; and further notifying the user that the balance in the first account is greater than the threshold value.