Abstract: A method and system include identifying at least one stored value product is included in a purchase transaction; calculating an amount of stored value on the stored value product; receiving, by a computer from a merchant device, a payment authorization request for the purchase transaction via a payment card product; transmitting information associated with the stored value product to an issuer of the payment card product. Numerous other aspects are provided.

Abstract: An identity and security system may register a user associated with a mobile device and a user identity that comprises characteristics of the user. The system may assign a reputation score and a spend propensity score to the user identity. The system may base the reputation score on a plurality of reputation assessments, and the spend propensity score on a history of transactions and non-transactions by the user. The system may also detect the mobile device at a merchant location, and it may transmit at least one of the reputation score and the spend propensity score to a POS device at the merchant location in response to detecting the mobile device at the merchant location.

Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Abstract: An entity may generate digital account credentials when a new account is approved for generation by an authorizing entity that controls or issues new accounts. A user may contact an authorizing entity to open a new account with the authorizing entity. The authorizing entity may authenticate the user and may approve a new account to be generated for the user. The user may wish to conduct transactions immediately upon approval. However, the authorizing entity may not immediately generate a physical identification device along with an actual account identifier associated with the new account. An intermediary entity may generate digital account credentials for the new account immediately after the authorizing entity approves generation of the new account, provide the digital account credentials to the account holder, and process transactions using the digital account credentials.

Abstract: Techniques are described for secure access for assisted transactions in an online banking system. A server of the online banking system is configured to establish an assisted session during which both a primary user and an assistant user have secure access to the primary user's account via their respective computing devices. The techniques enable the assistant user to request transactions with the primary user's account on the primary user's behalf, and further enable the primary user to approve the requested transactions prior to performance. The techniques include translating the requested transactions into a natural language description that is understandable to the primary user, and presenting the natural language description to the primary user for approval or denial of the requested transaction. In this way, a primary user may receive the assistance necessary to use an online banking system without giving up all control over the primary user's account.

Abstract: Methods and systems for storing multiple asset types with embedded rules to simplify storage and enable simple and friction-free transactions. One of the methods includes: representing a plurality of asset types using a plurality of standard asset ownership units, each standard asset ownership unit representing a specific asset type; using a roll-up node configured to group specified standard asset ownership units; embedding standard asset unit ownership rules in each standard asset ownership unit, the standard asset ownership unit rules describing permitted behaviors for a specified asset type; embedding roll-up rules in the roll-up node, the roll-up rules including specification of which standard asset ownership units are grouped into the roll-up node, the standard asset ownership unit rules and the role-up rules being based on rules templates; receiving a request for information; and in response to the request, providing information based at least in part on data from the roll-up node.

Abstract: A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.

Abstract: A device may receive information related to a first plurality of individuals and an individual. Each of the first plurality of individuals may be associated with a respective one or more accounts. The device may receive a request to match the individual and one or more individuals. The device may determine a match of the individual and the one or more individuals based on the information. The device may receive, from a user device associated with the individual, a selection of an account, of the respective one or more accounts, associated with another individual of the first plurality of individuals. The device may provide, for display to the other individual, a notification that the individual and the other individual have been matched and that the individual selected the account associated with the other individual. The device may perform one or more actions related to completing the transaction using the account.

Abstract: Systems and methods according to which a mobile application is running on a driver's mobile device for authenticating ride share drivers. When a driver initially registers with a rideshare service, the driver is prompted to provide biometric information via a mobile app running on the driver's mobile device. The biometric information is then stored in a database with a ride share management server in a file associated with the driver's account. Subsequently, when the driver expresses an offer to provide a ride share trip, the server performs an authentication check based on the pre-stored biometric information. Furthermore, the system discloses herein facilitates increased rideshare revenue generation by creating referral chains for a driver when a previously-registered driver, or an affiliate of the rideshare service refers a proposed new driver to the rideshare service and the proposed new driver then registers with the rideshare service.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a universal auxiliary resources platform allowing access to, distribution of, and exchange of all user auxiliary resources. Converting or scaling the auxiliary resources across the platform occurs for similar value presentation. Thus allowing for transmission of auxiliary resources in real time to satisfy at least a portion of a standard resource transaction. Furthermore, the platform allows for the exchange of auxiliary resources across users based on user set term adjustment.

Abstract: A method for tracking physical assets can include: receiving a digital asset; determining an asset identifier for the digital asset; generating an asset barcode; optionally facilitating printing and sending of the asset to an asset recipient; determining an asset event for the asset; and notifying a sender of an asset event.

Abstract: A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier.

Abstract: In various embodiments, tools and user interfaces are provided that cater to the way that many employees desire to view their human resources data and human resources related transactions. These tools can be configured to provide appropriate, distilled contextual information, and transparency to the employment situation of the employee.

Abstract: Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a third party entity from the one or more third party entities, establishing a communication link with a third party entity device associated with the third party entity, and initiating transfer of resources to the remote device to complete the interaction.

Abstract: One embodiment of a system for automatically generating code for attributes includes a credit bureau data that store stores credit bureau convention information and an attribute generation system that communicates with the credit data store to detect rules associated with respective credit bureaus.

Abstract: Techniques for intelligently modifying capital loan offerings at a point-of-sale (POS) are described. Server(s) can receive, from a first POS device associated with a first merchant, transaction data associated with transaction(s) between the first merchant and customer(s). The server(s) can determine that the first merchant is eligible for a capital loan of a first amount. The server(s) can receive, from a second POS device associated with a second merchant, an authorization request to authorize a payment instrument, having a limit based on the first amount, for a purchase having a purchase amount greater than the first amount, and the server(s) can determine to increase the first amount to a second amount. The server(s) can send, to the second POS device, an indication that the payment instrument is authorized for at least the second amount, thereby modifying the amount of the capital loan at the POS.

Abstract: Systems and methods for authenticating a user to access a public terminal are described. Disclosed embodiments may include reading, using the physical credential reader, a user identifier from the physical credential device. Disclosed embodiments may also include transmitting the public terminal identifier and the user identifier to a secure server. Further, disclosed embodiments may include receiving, after completing the transmission, a unique code from the secure server. Disclose embodiments may additionally include displaying the unique code on the display device. Disclosed embodiments may include receiving, after displaying the unique code, an authentication message from the secure server. Disclosed embodiments may further include, responsive to receiving the authentication message, authorizing the user to use a terminal command at the public terminal.

Abstract: A system for allowing electronic payments through use of a unique proxy includes a first server, a first registration database and a first lookup database. The first server receives an electronic registration request message, including registration information of a first user, from a financial institution of the first user. The first registration database then copies a subset of the registration information, including a unique proxy of the first user, to the first lookup database as the first user's lookup information. When the first server receives an electronic proxy payment request message, including the unique proxy of the first user, from a financial institution of a second user, the first server looks up the first user's lookup information in the first lookup database on the basis of the unique proxy of the first user and transmits the first user's lookup information to the financial institution of the second user.

Abstract: Systems and methods disclosed provided a virtual reality experience, including: a set of motorized pads for coupling to feet of a user; a means of communication between the set of motorized pads and a computing environment operating a virtual reality headset; such that the set of motorized pads are configured to provide pressure on a user's feet as an avatar within a virtual environment traverses the environment. Systems and methods disclosed further provide a multiuser virtual reality experience. Systems and methods disclosed further provide a multiuser experience including generation of a common environment viewable in the virtual reality headsets; and recording a tour including audio data as the first user describes the common environment.

Abstract: Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.

Abstract: Message routing techniques include use of at least one controller module configured to maintain a graph. The graph defines communication relations between a plurality of message communication modules. Each communication relation defines a particular message type for a particular pair of modules. The plurality of message communication modules includes a first module configured to receive a message wherein the received message has a message type and is associated with least one pre-condition. Upon verification of an acceptance condition of the at least one pre-condition the received message is accepted if the acceptance condition is fulfilled. Upon verification of a generating condition of the at least one pre-condition, the first module generates a generated message directed to at least a second module or an external data consumer in accordance with the graph if the generating condition is fulfilled.

Abstract: Systems and methods for authentication and authorization using physical computing cards include receiving from the physical computing card an authorization request, where the request includes a card identifier and an entity location. Authorized users associated with the card identifier are determined. Identifications of users with pending transactions at the entity location are obtained. Verification is performed by determining that there is a match between an identification of a user to an identification of one of the authorized users. The user is then authorized to access resources associated with the physical computing card.

Abstract: Systems and methods for generating a playlist on a device for a user of a music service are provided. In embodiments, a method includes initiating an online mode of the music service, where the device is connected to a music service server, and storing, in a cache memory of the device, at least one media object accessed by the user using the music service. The method further includes identifying the at least one media object as satisfying a pre-designated condition, and in response, automatically adding the at least one media object to a playlist stored in the cache memory. The method also includes receiving an indication, via a user interface of the device, to initiate an offline mode of the music service, where the device is not connected to the music service server, and upon initiating the offline mode, enabling playback of the playlist from the cache memory.

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: Output devices or systems, such as televisions, speakers, projectors, or output controllers, are herein disclosed and enabled for wirelessly receiving digital content from a digital content service or from an information apparatus. The disclosed output device includes wireless communication circuitry and an interface. To set up the output device for receiving and playing the digital content, the output device first receives, via the interface, security information, and then establishes a wireless local area network connection. Subsequent to having established the wireless local area network connection, the output device connects to a server over a network, using the wireless communication circuitry, for downloading and installing software applications or components for upgrading or modifying capabilities of the output device.

Abstract: A method includes: communicating data from a browser, operating on a computing device, to an electronic shopping cart during a transaction; receiving user-authenticating data from a user interface of the computing device; decrypting secure user data stored to the computing device; authenticating a user based on the user-authenticating data and the decrypted secure user data; in response to authenticating the user, transmitting an indication of payment from the browser to the electronic shopping cart; processing the transaction after transmitting the indication of payment; and recording the transaction in a blockchain stored on the computing device.

Abstract: Distributed tiered data exchanges within a distributed trust/blockchain network are provided for. A continual and ongoing data asset transfer being conducted via a distributed ledger of the distributed trust/blockchain network is leveraged for the purpose of establishing and conducting other continuous and ongoing data asset transfers using the same distributed ledger of the distributed trust/blockchain network. The tiered nature of the asset transfers/distributions means that one distributed ledger can be established and used to conduct multiple different continuous and ongoing data assets transfers between the initial data asset transfer entities and/or other entities. As such, through the use of one distributed ledger of a distributed trust/blockchain network, a single data asset request made by a first entity (i.e., data asset transferee) may be used to make multiple different data asset distributions/transfers to one or many different entities.

Abstract: System and techniques for programmatic reconciliation of electronic receivables are described herein. An electronic payment remittance and an electronic payment may be received. At least one payer profile may be queried using at least one remittance identifier to obtain a remittance payer profile. The at least one payer profile data base may be queried using at least one payment identifier to obtain a payment payer profile. A referential link may be created between the electronic payment remittance and the electronic payment based on an identification that the remittance payer profile matches the payment payer profile and an identification that at least one remittance identifier matches at least one payment identifier. A payment file may be generated and transmitted based on the referential link, the payment file including an association between the electronic payment remittance, the electronic data, and the referential link. The payment file may be transmitted to a computer.

Abstract: A data store to store and access digital records is provided, and a key object record is initialized in the data store to store data associated with a physical key object. A digital fingerprint of the physical key object is stored in the key object record. Another digital record is created in the data store that is not the key object record. The digital record is linked to the digital fingerprint of the physical key object. The linking is arranged to provide secure control access to the linked digital record. A tendered access key is received via a programmatic interface or user interface, and the data store is queried based on the tendered access key to identify a matching digital fingerprint of a key object. In a case that the querying identifies the matching digital fingerprint of the key object within a prescribed level of confidence, access to the linked digital record secured by the key object is granted.

Abstract: A system and method for carrying out a transaction using a plurality of digital wallets, in a manner whereby benefits and/or perks of using each respective digital wallet is optimized in relation to a quantum of the transaction is provided.

Abstract: One or more implementations of the present specification provide a digital object unique identifier (DOI) display method for transaction information verification. When a client application starts, it is determined that a startup mode is a cold start. In response to determining that the startup mode is the cold start, a start page is displayed. The start page includes a payment digital object unique identifier (DOI) to be scanned by a scanner to make a payment by scanning the payment DOI.

Abstract: A currency exchange platform for conducting currency exchanges and transactions in a social pool is described. The currency exchange platform sets up exchange funds in a plurality of exchange accounts associated with a plurality of users of the social pool. The plurality of users are associated with each other through a social network. The currency exchange platform receives a request for an amount of a first currency from a first user in the social pool, matches the request with a matching account of the plurality of exchange accounts in the social pool. The matching account includes the first currency. The currency exchange platform delivers at least a portion of the requested amount of the first currency to the first user.

Abstract: Implementations of the present disclosure provide techniques to improve the security in blockchains by anonymizing the information of the service data. In some implementations, first service data is received from a plurality of blockchain nodes in a blockchain network. The first service data received from each blockchain node is associated with a first source address and a first destination address. Second service data is formed. The second source data includes a second source address that is formed based on a plurality of first source addresses and a plurality of first destination addresses associated with the first service data. The second service data is sent to a blockchain node of the plurality of blockchain nodes. The second service data is processed in response to receiving a verification message from the blockchain node verifying that the second service data includes a part of the first service data provided by the blockchain node.

Abstract: A mobile device such as a smart phone enables a user to wirelessly request to receive a delivery of an amount of cash. The request is sent to a remote transaction system which approves the request and provides the mobile device with a transaction identifier. The user operates the mobile device to send the transaction identifier, the amount and a delivery location to a delivery service terminal associated with a delivery service. The delivery service terminal communicates with the remote transaction system to confirm the delivery and/or the mobile device confirms the delivery to the remote transaction system. The remote transaction system operates to charge the financial account for the amount. In some arrangements the mobile device user may choose to have selected items of goods delivered by the delivery service in addition to cash.

Abstract: Systems and methods are disclosed for managing a casino level player account associated with a gaming environment. The casino level player account is associated with a player identifier with a financial account. The financial account can holds funds that are accessible through the player's use of a payment vehicle. Funds held within the casino level player account can be used for wagering.

Abstract: Various embodiments generally relate to generating and scheduling transactions in advance. More specifically, various embodiments relate to receiving a request for a transaction from a user device; processing the transaction, where the transaction requires some user interaction at a point of transaction to complete the transaction; identifying a location for completion of the transaction; determining possible points of transaction within a predetermined distance of the identified location; displaying the possible points of transaction; receiving a selection of one of the possible points of transaction; generating a unique identifier for the transaction based on the selected point of transaction; and sending the unique identifier for presentation at the selected point of transaction, where the unique identifier is used to complete the transaction.

Abstract: Various examples are directed to computer-implemented systems and methods for next generation financial account assistance. The method includes receiving a request from a primary account holder to provide a first limited permission for a secondary member to access an account of the primary account holder, and receiving a request from the primary account holder to provide a second limited permission for the secondary member to access the account of the primary account holder, where the second limited permission is activated based on one or more conditions selected by the primary account holder. In various embodiments, the method includes using the first limited permission to provide access to the secondary member to the account of the primary account holder for a first time period, and using the second limited permission to provide access to the secondary member to the account of the primary account holder for a second time period.

Abstract: A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. The system further includes a data store for storing configuration information for enabling the operating system to interface with available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations is stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources.

Abstract: Systems and methods for determining a level of congestion and notifying a user of increased wait times are provided. The system includes an electronic control unit configured to determine a number of vehicles at or within a threshold distance of an establishment, determine that the establishment is a destination of a vehicle, and provide a notification in response to determining the number of vehicles at or within the threshold distance of the establishment exceeds a predetermined threshold and determining the establishment is the destination of the vehicle.

Abstract: Systems, methods, and computer-readable media for a payment processing service utilizing a distributed ledger digital asset are provided. A payment processing service subsystem may provide payment processing services for merchants that wish to receive customer payments as a distributed ledger digital asset rather than as a fiat money asset.

Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.

Abstract: A method may include: sending a first signal representing a message identifying an entity from a server computer system to a resource usage tracking server; in response to the message, receiving, from the resource usage tracking server, a second signal representing historical resource usage data for the entity; identifying a first data transfer recipient associated with the historical resource usage data for the entity by using a database of supported data transfer recipients; sending a third signal, the third signal causing a client device associated with the entity to display a selectable option for data transfer to the identified first data transfer recipient; receiving a fourth signal, the fourth signal indicating selection of the selectable option for data transfer to the identified first data transfer recipient; and in response to receiving the fourth signal, configuring an account associated with the entity based on the first data transfer recipient.

Abstract: A method and system is disclosed that permits consent verification within an online gaming platform.

Abstract: Systems and methods for P2P transaction functionality include payment collection from a third party source. A system includes at least one processor and a storage medium storing instructions that, when executed by the one or more processors, cause the at least one processor to perform operations including receiving transaction information from a vendor where a card was used and analyzing the transaction information. The operations also include sending one or more requests for repayment to one or more P2P service systems, receiving repayment information, regarding one or more repayments, from the one or more P2P service systems and, based on the repayment information, applying the one or more repayments to the transaction performed on the card.

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: A communication portal coupled with a processing system and a host having a first resource. The processing system has a second resource addressable by a terminal using a predetermined communication protocol. The communication portal receives a first communication from a terminal identifying the first resource. In response, the communication portal identifies the second resource, stores a data record associating the first resource and the second resource, and provides a response to the first communication to identify the second resource. The terminal then uses the communication protocol adapted for the second resource as a way to request an operation on the first resource. The portal communicates with the processing system to identify a request for an operation on the second resource and in response, communicates with the host to perform a second operation on the first resource based on the stored data record associating the first resource and the second resource.

Abstract: A system, method, and computer program product are provided for performing user interface synchronization. In use, a first event occurring at a first application is identified within a system, the first event including a displaying of first information within a first user interface (UI) of the first application. Additionally, identification information associated with the first event is retrieved. Further, the first information displayed within the first UI of the first application is synchronized with second information displayed within a second UI of a second application within the system, utilizing the identification information associated with the first event.

Abstract: Disclosed are a system, apparatus and techniques for evaluating a dataset to confirm that the data in the dataset satisfies a data quality metric. A machine learning engine or the like may evaluate text strings within the dataset may be of arbitrary length and encoded according to an encoding standard. Data vectors of a preset length may be generated from the evaluated text strings using various techniques. Each data vector may be representative of the content of the text string and a category may be assigned to the respective data vector. The category assigned to each data vectors may be evaluated with respect to other data vectors in the dataset to determine compliance with a quality metric. In the case that a number of data vectors fail to meet a predetermined quality metric, an alert may be generated to mitigate any system errors that may result from unsatisfactory data quality.

Abstract: A computer-implemented method includes receiving, by a first blockchain node, an encrypted transaction comprising a smart contract that includes code, wherein the code of the smart contract comprises a contract state indicated by a privacy identifier; decrypting, by the first blockchain node, the encrypted transaction to obtain the code of the smart contract in plaintext; executing, by the first blockchain node, the code of the smart contract in plaintext in a trusted execution environment; encrypting, by the first blockchain node using a key, the contract state indicated by the privacy identifier; and writing, by the first blockchain node, the encrypted contract state indicated by the privacy identifier to a database.

Abstract: A method of provisioning payment credentials to a mobile device includes receiving a payment credentials provisioning request. The method further includes facilitating decision-making with respect to the request based at least in part on data obtained and/or confirmed directly or indirectly from a mobile network operator (MNO) associated with the mobile device.