Abstract: A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving microdeposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information.

Abstract: An electronic device is disclosed. The electronic device includes a memory, a camera module, a communications module, and a processor that is configured to: receive, from the camera module, image data associated with a machine-readable optical label, the optical label encoding transaction details of a transfer of data to a recipient account, wherein the transaction details do not indicate an identity of the recipient account; receive a user input indicating authorization to initiate a transfer of data, via a protected resource, from an account associated with the user to the recipient account; and in response to receiving the user input, generate a request for initiating the transfer of data based on the transaction details, the request including an access token for use in authenticating the user on requests to access the protected resource.

Abstract: A method for determining customer lifetime value using an incentive system to provide for geographically limited rewards earned for transactions includes tracking payment card transactions between enrolled payment cardholders and enrolled merchants, creating a database of rewards eligible transactions, instructing a virtual payment card issuer to apply the rewards amount for each rewards eligible transaction to an account, receiving transaction authorization requests from the virtual payment card issuer corresponding to enrolled cardholders requesting to spend rewards within their corresponding account, if the transaction is occurring within a prescribed geographic area in which rewards can be spent, transmitting an authorization for the virtual card issuer to complete the transaction using the rewards, establishing a cohort of enrolled payment cardholders and associated transaction data, and calculating a custom lifetime value for the enrolled payment cardholders within the cohort, the calculation based on t

Abstract: Embodiment of the invention describe methods and systems for verifying customer supplied financial account information verification using debit and credit transactions. In some embodiments, these methods include electronically transmitting an electronic debit and credit transaction to the customer financial account, based on the customer supplied financial account information. The method also includes electronically transmitting a first statement descriptor, as part of at least one of the electronic debit transaction and the electronic credit transaction, that includes a first verification code. The method also includes electronically receiving, from the customer, a second verification code, and comparing, by the computer system, the transmitted first verification code with the received second verification code with respect to each other. The method also includes verifying, by the computer system, the customer supplied financial account information based on the comparison of the verification codes.

Abstract: Systems and methods for autonomous payment routing are provided. A method may include storing in a smart card a database of contacts accessed from a digital contact directory. The method may include receiving a request to reroute a payment via an alternate payment channel, the payment including a recipient and an amount, and the alternate payment channel originating from an account associated with one of the contacts in the database. The method may also include resolving, via a wireless communication element that is embedded in the smart card, routing information for the account. The method may also include transmitting, to an administrator of the account, a request for authorization to reroute the payment, and, when authorization is received, executing the payment via the alternate payment channel.

Abstract: A vehicle transaction support system operates by: generating, based on customer prequalification data and extended bureau data and utilizing a customer grading engine having a first artificial intelligence model trained via machine learning, a customer grade that predicts a likelihood of transaction default associated with a customer; generating, based on customer profile data that includes the customer grade and other customer profile data and utilizing a vehicle recommendation engine having a second artificial intelligence model trained via machine learning, vehicle options data that indicates vehicles selected from a vehicle database; and generating, based on at least a portion of the customer profile data and the vehicle options data and utilizing a transaction recommendation engine having a third artificial intelligence model trained via machine learning, terms data associated with each of the vehicles selected from the vehicle database.

Abstract: The present technology relates to an information processing apparatus and method and an information processing system that make it possible to perform more appropriate information provision. Processing relating to settlement of a commercial transaction is performed and log information relating to the settlement is generated, and the generated log information relating to the settlement is supplied to a server, which performs processing relating to provision of the log information relating to the settlement, without the intervention of a commercial transaction processing unit that performs processing relating to the commercial transaction. Further, processing relating to settlement of a commercial transaction is performed by a given method corresponding to a settlement service selected from a plurality of settlement services that can be utilized for the settlement of the commercial transaction and log information relating to the settlement corresponding to the settlement service is generated.

Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, from a terminal, a request for a conversion option for a transaction to a payment account, where the request includes a transaction amount for the transaction in a first currency and an identifier associated with the payment account. The exemplary method also includes determining a charge rate for the payment account for conversion of the transaction amount to a second currency, determining the conversion option for the transaction in the second currency based on at least a conversion rate and the charge rate, and transmitting the conversion option to the terminal in response to the request.

Abstract: In certain embodiments, an online transaction is verified based on merchant-independent user geolocation. A geolocation of a user associated with the online transaction is obtained from a mobile device of the user by a transaction verifying entity separate and independent from a merchant entity with which the online transaction is initiated. A server associated with the transaction verifying entity determines a proximity of the geolocation of the user to a delivery address for verifying the online transaction. The server generates a verification message including an approval message based on the proximity of the geolocation to the delivery address being within a specified threshold. The server generates a verification message including a rejection message based on the proximity of the geolocation to a delivery address exceeding the specified threshold. The server sends the verification message to another server associated with the merchant entity to carry out the online transaction accordingly.

Abstract: A system and method for minimal contact in-person order fulfillment using mobile device, using a banking card, mobile device, card reader and associated display, cashier display at a point-of-sale (“POS”) system, internet-connected server, and financial institution, which minimizes customer physical contact with payment personnel or physical systems by offloading the final stages of sale confirmation and customer choices onto a customer's mobile device.

Abstract: Systems and methods for authentication using radio frequency tags are disclosed. In one embodiment, a method for approving a requested operation from a secondary user of a resource that is controlled by a primary user may include (1) a back end comprising at least one computer processor receiving, from a mobile application that is executed by a mobile device associated with a secondary user, a requested operation involving a resource that is controlled by a primary user; (2) the back end receiving a unique identifier from the secondary user mobile application, the unique identifier being read by the mobile application from a tag associated with the secondary user; (3) the back end determining that the received unique identifier matches a stored unique identifier that is associated with the secondary user; and (4) the back end approving the requested operation and communicating the approval to the secondary user mobile application.

Abstract: In one embodiment, a method includes receiving, by a payment server and from a messaging application executing on a first mobile device operated by a first user, a request to initiate a payment transaction using a payment application. The request includes a payment amount and an identifier associated with the first user. The method includes facilitating a first adjustment to a balance associated with the financial account of the first user in the data store identified based on the identifier. The method includes generating a link associated with the first adjustment and transmitting the link to the first mobile device. The method includes, upon receiving from a second user operating a messaging application, an indication that the second user has interacted with the link within the messaging application, facilitating a second adjustment of a balance of a financial account of the second user according to the payment amount.

Abstract: An example fraud analysis platform may receive timing information associated with a user interaction during a transaction, wherein the user interaction is associated with a user engaging in a transaction using a transaction account and a transaction device to access the transaction account. The fraud analysis platform may generate, based on the timing information, a transaction interaction signature associated with the user interaction. The fraud analysis platform may compare the transaction interaction signature to a reference signature associated with an authorized user of a transaction account. The fraud analysis platform may determine, based on the transaction interaction signature being associated with the reference signature, that the user interaction was performed by the authorized user of the transaction account. The fraud analysis platform may perform, based on determining that the user interaction was performed by the authorized user, an action associated with the transaction or transaction account.

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: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: Methods and systems are described for verifying an identity of a user through contextual knowledge-based authentication. The system described uses contextual knowledge-based authentication. By verifying an identity of a user through contextual knowledge-based authentication, the verification is both more secure and more intuitive to the user. For example, by relying on confidential and/or proprietary information, the system may generate verification questions, the answers to which are known only by the user.

Abstract: The present disclosure relates to a method for approving the use of a card by using a token-ID, wherein, in a state where a card token ID, identification information of a user, a push token ID, and a public key of the user are registered in a blockchain database and a blockchain transaction ID corresponding thereto is managed, when payment request information is acquired, a relay server: requests authentication of order data from a user terminal; checks whether a user signature value obtained in response to the authentication request is valid, and registers the order data in the blockchain database; and registers, in the blockchain database, approval result information which is obtained through verification of the order data by a financial server, and transmits the approval result information to at least one of a service providing terminal and the user terminal.

Abstract: A method for processing a payment transaction via a proxy guarantor includes: receiving a transaction request between a user and a merchant including payment device data associated with a payment device of the user of a payment type not accepted by the merchant, and an indicator causing the payment transaction to be processed as a proxy guarantor transaction; identifying a guarantor associated with the user having a payment device of a payment type accepted by the merchant; communicating an authorization request to an issuer system associated with the guarantor to cause the issuer system of the guarantor to authorize the payment transaction; receiving an authorization response from the issuer system of the guarantor, the authorization response including a payment transaction approval indicator; and communicating a settlement request to an issuer system of the user.

Abstract: Systems and methods associated with providing an automated portal to migrate one or more relationships with one entity to another entity are disclosed.

Abstract: A computing system for validating repeating data is described. The computing system includes at least one computing device including at least one processor communicatively coupled to a database. The at least one processor is programmed to receive a first instance of data, the first instance of data including first repeating data elements, and store, in the database, the first repeating data elements. The at least one processor is also programmed to receive a second instance of data, the second instance of data including second repeating data elements, determine the second instance of data includes the second repeating data elements, and compare the second repeating data elements to the first repeating data elements. The at least one processor is further programmed to determine the second repeating data elements are inconsistent with the first repeating data elements and transmit a signal associated with the second repeating data elements.

Abstract: Systems, methods, and apparatuses for processing a rewards transaction including an accounts database storing information associated with accounts held by a financial institution including a payment account associated with a customer, a rewards account database storing information associated with reward accounts, including a rewards account associated with the customer, and a processing circuit. The processing circuit is structured to receive transaction details that define a rewards transaction associated with the rewards account, receive a rewards transaction request associated with the rewards account, the rewards transaction request including a rewards amount and recipient details, debit an amount of points from the rewards account maintained by the financial institution and associated with the customer, where the amount of points are less than or equal to the rewards amount, and complete the rewards transaction without converting the rewards amount to currency.

Abstract: The invention relates to a method for producing a cryptographically signed transaction for the transfer of an amount of a currency within a blockchain. The transaction comprises one or more inputs and one or more outputs. The method comprises: retrieving the one or more inputs, the inputs being a reference to one or more previous transactions, determining the one or more outputs, each output defining an amount to be transferred to a receiver indicated in the respective output, adding security information, the security information defining directly or indirectly a maximum amount to be spent with the transaction, and cryptographically signing the transaction by adding signature information.

Abstract: Synchronization metadata is read from non-volatile storage. The synchronization metadata comprises indications of one or more synchronization targets. A synchronization target is a node of a clustered storage system. A synchronization cache is populated with the synchronization metadata. After populating the synchronization cache with at least a portion of the synchronization metadata, a connection to a network is established. After the connection to the network is established, a connection to a first of the one or more synchronization targets is established.

Abstract: Example methods, apparatuses, and systems are presented that allows a consumer to conduct a purchase backed by a volatile currency that is not recognized by a merchant as a valid form of payment, such as a cryptocurrency. A third-party payment system is configured to issue a secure, reliable token to replace a reserved amount of volatile currency that represents a reliable amount of currency that is recognized by the merchant as a valid form of payment. The third-party payment platform may issue the reliable amount of currency in the reliable token based on one or more risk factors associated with the volatile currency. After purchase, the third-party payment platform may perform a consumer settlement process at a later time, including performing a cryptocurrency blockchain verification process that typically takes at least several minutes and would be impractical to perform at the point of sale.

Abstract: The present application provides payment methods and systems. One method comprising: receiving first identification data of a vehicle from a road side unit of an electronic toll collection (ETC) system, wherein the first identification data comprises identification information of the vehicle; receiving transaction data of a fuel dispenser, wherein the transaction data comprises information determined based on the fuel dispenser of a refueling fee of the vehicle; determining identity information of an owner of the vehicle; and transmitting the identity information and the information of the refueling fee to a server.

Abstract: An apparatus for storing a set of events, is provided, the apparatus comprising one or more circuitry configured to: receive an electronic message comprising information of a first event between a first party and a second party, the first event being initiated by the first party; determine whether a record of the first event exists in a first storage unit; wherein when it is determined that the record of the first event does not exist, the one or more circuitry is configured to: determine whether any subsequent events between the second party and a third party are initiated by the second party within a predetermined time of the first event; and store an association between the second party and a first set of events, the first set of events comprising the first event and the subsequent event, in a second storage unit, when the subsequent event is initiated within the predetermined time.

Abstract: Disclosed are a complex payment system using a portable terminal, and a complex payment method. According to the present invention, a portable terminal such as a smartphone or a vendor server may analyze and display an optimum payment condition containing a minimum payment amount using bonus information such as card information, discount information, membership point information, or coupon information when a user pays, thus preventing personal information leakage and enabling the user to pay a minimum amount by means of his/her credit card using the bonus information.

Abstract: A method includes determining user content to be provided in a number of formats to a number of network-connected devices associated with a user. The number of network-connected devices are of a plurality of device types. The method further includes determining a fulfillment goal based at least in part on the user content, and generating a multi-fragment application package based at least in part on the respective device types of the number of network-connected devices. The multi-fragment data package includes an adaptable presentation layer that includes instructions for presenting respective fragments of the multi-fragment application package on the number of network-connected devices in accordance with the fulfillment goal. The method further includes providing the respective fragments of the multi-fragment application package to the number of network-connected devices.

Abstract: A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device.

Abstract: A method and a system include receiving a request to process a transaction, identifying, by the messaging application, transactional data based on the request, the transactional data corresponding to a user profile associated with the client device in an entity graph, determining a first desensitized data item associated with the user profile being included in the transactional data, providing for display a first user interface of the messaging application including a first user-selectable element corresponding to a completion of the transaction, receiving an indication of user selection of the first user-selectable element, and transmitting the transactional data to a secured processor.

Abstract: A system for populating web-based form and managing e-commerce checkout process is disclosed. Combined with the data mapping to user profile, the checkout workflow should be able to make all of the necessary calls on behalf of the user to perform checkout completely. The system performs user authentication to ensure that the user profile is accessed only by the authorized user. During run-time, the program adds the product to cart, and load the checkout pages on behalf of the user, remembers the states such as the cookies and CSRF tokens and performs the form filling using their user profile data. The system makes one or more server calls to the e-commerce website from at least one of the servers or a browser in one click based on filled we-based form to complete a checkout process.

Abstract: Systems and methods are disclosed herein relating to payment processing systems. Payment processing systems facilitate financial transactions between customers and vendors. Cash-enabled payment processing systems facilitate transactions by those without bank accounts or who choose to use a cash-based system. Communication between vendors and customers simplifies invoicing and encourages payment.

Abstract: An embodiment of a method of providing financial data to a financial instrument smart contract in a distributed ledger system includes: receiving, by an oracle smart contract in the distributed ledger system, a transaction from the financial instrument smart contract, the transaction including registration data having an identification of financial data to be delivered and an identification of a schedule on which to deliver the financial data; generating a transaction including the financial data; and transmitting the generated transaction to at least one distributed node of the distributed ledger system according to the requested schedule.

Abstract: A method and system for crediting a financial account of a user with an amount is provided. The amount is maintained in a lock mode for a set time period in the account. The crediting of the amount is based on a registration request received from the user. The user further provides the amount that the user wants to maintain in the account. Reward points are determined based on transaction history of a transaction card associated with the account and are blocked in the account based on the registration request. The reward points are settled as and when the user performs transactions in the set time period by way of the transaction card. The amount that is equivalent to the reward points is credited in the account of the user when the reward points are settled in the set time period.

Abstract: Systems, methods, and computer readable media are disclosed for generating one or more improved NFTs are described. For example, a software application embedded with a mobile device may enable a user to search a public and/or private database of videos, select a video from the database, record a selfie-video, audio, or other narration of the video to create a narration file, and create and publish an NFT based on the narration file without leaving the application embedded with the mobile device (e.g., without navigating to a separate token creation platform).

Abstract: A set of raw data relating to activity of one or more users in accordance with a communication network is obtained. The communication network is managed by a network operator. The obtained set of raw data is processed in accordance with at least one data isolation policy maintained by the network operator to generate a first set of data comprising at least a portion of the set of raw data with sensitive data associated with the one or more users removed; a second set of data comprising the sensitive data removed from the set of raw data; and a third set of data comprising a mapping between portions of the set of raw data and the first set of data. The first set of data is exposed to a third party, while the second set of data and the third set of data are isolated from the third party.

Abstract: A method and system for detecting fraudulent network events in a payment card network by incorporating breach velocities into fraud scoring models are provided. A potential compromise event is detected, and payment cards that transacted at a compromised entity associated with the potential compromise event are identified. Subsequent transaction activity for the payment cards is reviewed, and a data structure for the payment cards are generated. The data structure sorts subsequent transaction activity into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values are determined, and a set of feature inputs is generated using the ratio striping values. The feature inputs are applied to a scoring model used to score future real-time transactions initiated using the payment cards.

Abstract: A settlement system with higher security which replaces a settlement system using credit cards is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, a user ID, a password, and upper limit amount information identifying an amount are inputted in a user terminal 100 (S912), and sent to the settlement device (S913). The settlement device performs credit determination (S922), generates temporary permission information if credit is possible (S923), and sends the temporary permission information to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is inputted to the settlement terminal (S931). If the one-time password sent from the settlement terminal to the settlement device is identical to the one-time password created in the settlement device, the settlement device allows a user's payment (S928).

Abstract: The present disclosure involves systems, software, and computer implemented methods for generating new credit accounts for immediate availability for use in current online transaction. One example process includes identifying a request to perform a credit application process associated with a particular user via a client application. A first signal can be transmitted that includes a redirect instruction for the client application to a credit application site to perform a credit application process. A second signal can be transmitted that includes a merchant-specific identifier of the particular user and a request to perform the credit application process. A third signal can be received from the credit application site that includes an approval, a payment credential associated with a newly created credit account, and the merchant-specific identifier of the particular user. The payment credential can be associated with the user profile of the user corresponding to the merchant-specific identifier.

Abstract: A system includes a user interface for allowing a user to select a data stream to be played, a receiver for receiving the data stream to be played and a transmitter for transmitting the received data stream to a device that is capable of playing the stream. The system includes a first and a second device, which are separate from one another. The first device, called a receiving device, integrates the receiver and the transmitter. The second device, called a control device, integrates the user interface and, following the selection, by a user, of a stream to be played and preview on the control device, transmits to the first device a command for playing the selected stream, the command containing data for locating the selected stream.

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 disclosed herein provide automatic expense categorization of transactions or expenditures based on a machine learning (ML) model trained using anonymized transactional data for expenditures that are stored in a public blockchain. The anonymized transactional data for the expenditure and the expense category, may be distributed throughout the blockchain network and recorded in the blockchain. In some implementations, an expenditure may be submitted to the blockchain network for expense categorization. The transactional data for the expenditure may be anonymized to remove confidential and personal identifying information (PII) before it is distributed throughout the blockchain network. Each participating node of the blockchain network may utilize the ML model to identify an expense category for the expenditure. The participating nodes may provide a consensus mechanism in order to arrive at a shared understanding of how to categorize the expenditure.

Abstract: According to some embodiments, apparatus and methods are provided. A connector attachment includes a housing, wherein the connector attachment is selectively connectable to a mobile device; and a first token stored within the connector attachment, wherein the first token is operative to execute a transaction with a second token. Numerous other aspects are provided.

Abstract: In one embodiment, a method enrolling, by a payment service system and in a data store maintained by the payment service system, a payment service account associated with a payee for a direct payout program for transactions associated with a transaction facilitation service between a plurality of payers and the payee in response to requests associated with the transaction facilitation service. The method includes receiving a transaction request for a payment associated with a transaction between a payer and the payee. The method includes identifying a financial account of the payee based on retrieving an association of the payment service account with the payee identifier and the financial account. The method includes causing a transfer of a first amount of funds to the financial account and a second amount to the transaction facilitation service. The first amount of funds and the second amount of funds correspond to the transaction amount.

Abstract: A system, method, and apparatus for interdirectory funds transfers is provided. A method includes: receiving data from two or more payment directories, the data comprising information pertaining to a plurality of users, each of which are enrolled with at least one of the two or more peer-to-peer payment directories; and normalizing the received data to create a uniform database for fund transfers. The normalization includes: converting at least a portion of the received data into a uniform file type; categorizing the uniform file type and at least some of the received data, the categorization based on a characteristic of the at least some of the received data and the uniform file type; and providing the categorized uniform file type and the at least some of the received data into categories specific to each peer-to-peer payment directory of the two or more peer-to-peer payment directories in the uniform database.

Abstract: Processing transaction requests may be considered a computationally expensive operation for a computing system such as an e-commerce platform. An aspect of the present disclosure relates to systems and methods to reduce the number of transaction requests that are received and/or processed by a computing system. This may reduce demand on the computing system's resources and potentially improve the responsiveness of the computing system. In some embodiments, a set of users is selected based on at least one defined condition for a particular transaction request. Origination of the particular transaction request on behalf of users excluded from the set of users is prevented in order to reduce the number of the particular transaction requests that are received and/or processed by a corresponding computing system.

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized.

Abstract: An embodiment of the present invention is directed to a feedback-based system and methodology for dynamically selecting communication messages, social media data, support data, etc. (denoted data) in evaluating dynamic lightweight personalized analytics (DLPA). Disclosed embodiments include a process for optimizing the key performance indicators (KPIs) used in measuring success by dynamically selecting the type, size, etc. of data leveraged by DLPA. This facilitates a small memory footprint and optimal computation when making smart, customized suggestions to users.

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.