Abstract: Implementations for metering features of media conferences on the client-side are described. Initially, a participant joins a media conference. An identifier of a feature and an allotment associated with the feature is then received by the participant. The feature is used during the media conference and the allotment associated with the feature is decremented based on the use of the feature. It is then determined that an allotment refresh is needed. In response, additional allotment associated with the feature is requested and received by the participant until the maximum number of additional allotment requests or the maximum allotment is reached.

Abstract: A system and method for handling crypto-asset transactions includes: receiving from a payment processing system an electronic transaction request including: a payment token corresponding to a payment identifier associated with the customer account, and a transaction amount in a fiat currency; determining current price data corresponding to a first crypto-asset and a second crypto-asset associated with the customer account; associating the electronic transaction request with at least one data processing task for executing at least one crypto-asset transaction; and when at least one crypto-asset confidence condition is satisfied based on the current price data of at least one of the first crypto-asset or the second crypto-asset, generating signals for providing, via the payment processing system, an indication that the electronic transaction request is authorized without waiting for confirmation of execution of the at least one crypto-asset transaction in the respective distributed ledger.

Abstract: Embodiments may be generally directed to methods, techniques and devices to provide an indication by a contactless card based on a detection of an event.

Abstract: In certain embodiments, location-based activation of card identifiers may be facilitated. In some embodiments, an electrophoretic display card may store a set of location-specific card identifiers, where each card identifier of the set is associated with (i) an account of a user and (ii) creation location information indicating a device location of the user at a creation time of the card identifier. In response to being powered by a user device, the card may initiate wireless communication with the user device. The card may determine a device location of the user device, select a card identifier from the set of card identifiers that matches the device location, and switch a state of the card identifier to an active state to enable transaction processing for the card identifier. In some embodiments, the card may cause the active card identifier to be presented on an electrophoretic display of the card.

Abstract: Aspects of the disclosure relate to light-weight and secure payment processing using low-power wide-area network technology. A mobile device may detect communication conditions associated with a payment transaction based on one or more parameters. The mobile device may identify applicability of LPWAN communication based on the communication conditions. Based on identifying the applicability of low-power wide-area network communication, the mobile device may identify a payment terminal within a threshold proximity of the mobile device. The mobile device may connect to the payment terminal via a low-power wide-area network protocol. The mobile device may transmit, via the low-power wide-area network protocol, a request to initiate the payment transaction at the payment terminal. The mobile device may cause the payment transaction to be executed using the low-power wide-area network protocol.

Abstract: A method for propagating survival of cryptographic currency after inactivity over a predetermined period of time in a blockchain through the use of smart contracts includes: receiving a propagation request that includes unspent transaction output addresses, a digital signature, and a recipient address; generating a smart contract that is configured to self-execute after a predetermined period of time to initiate transfer of cryptographic currency from the output addresses to the recipient address; submitting the smart contract to a node in a blockchain network for addition to the blockchain; monitoring for new blockchain transactions involving any of the unspent transaction output addresses; generating a new smart contract to update the unspent transaction output addresses based on new blockchain transactions; and submitting the new smart contract to a node in a blockchain network after updating.

Abstract: Aspects of the subject disclosure may include, for example, receiving information defining an attribute of interest for the impression, wherein the attribute of interest comprises a plurality of categories of values, and receiving information defining a respective probability for each respective value of the plurality of categories of values for the impression. Further, information about current values of the plurality of categories for the attribute of interest may be received and a pacing value may be determined based on the respective probability for each respective value of the plurality of categories of values, along with the information about current values the plurality of categories for the attribute of interest. A respective bid value of a bid may be adjusted using the pacing value and the adjusted bid value may be used in an auction to fill the impression. This permits automatic detection and correction of an inadvertent skew introduced when serving ads and other content.

Abstract: Secure methods, systems, and media for generating and verifying user credentials are provided. In some embodiments, the method comprises: receiving, from a user device, a request for access to a service that requires valid user credentials; determining an aspect of the user credentials that is to be satisfied to grant access to the requested service; transmitting, to the user device, a request for information related to the aspect of the user credential; receiving, from the user device, information related to the aspect of the user credential, wherein the information has been signed using a key associated with the user device; verifying the key used to sign the information by the user device; in response to verifying the key used to sign the information, determining whether the aspect of the user credential has been satisfied based on the received information; and, in response to determining that the aspect of the user credential has been satisfied, granting access to the service.

Abstract: Methods and systems for a browser extension system are disclosed. In some embodiments, a browser extension server includes a communication device configured to communicate with a first computing device executing a browser extension application and a web browser application and a second computing device executing an authentication application. The browser extension server further includes a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include receiving from the first computing device an indication of a financial service account associated with the first computing device, detecting a payment field in a web page provided by the computing device through the web browser application and, in response, generating a secure token mapped to the financial service account.

Abstract: A method and a card reader for extracting Card Holder Data, CHD, from an Integrated Circuit Card, ICC, on a payment card. The card reader sends a request for a file list of Application Identifier's, AID's, stored in the ICC of the payment card, and checks if a Short File Identifier, SFI, associated with the AID is stored in a memory of the card reader. If not stored a Get Processing Options, GPO, command is executed to extract the SFI from the ICC, which is stored in the memory. Then the card reader 6 reads the CHD files according to the SFI and extracts a Primary Account Number, PAN. If CHD is already stored the card reader reads the CHD files according to SFI and extracts PAN directly.

Abstract: Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.

Abstract: A device can operate a processor, a primary platform, and a nonvolatile memory that includes a first boot firmware for the processor. The nonvolatile memory can comprise a (i) read-only memory for the processor and (ii) a read and write memory for the primary platform. Upon power up, the processor can load the first boot firmware with a first certificate and first set of cryptographic algorithms to verify a digital signature for a second boot firmware, where the second boot firmware is loaded by the processor after the first boot firmware. The primary platform can securely download a secondary platform bundle (SPB) with a boot update image and a second certificate and second set of cryptographic algorithms. The SPB can replace the first boot firmware with the updated first boot firmware. The processor verifies the second boot firmware with the second certificate and the second set of cryptographic algorithms.

Abstract: A global transfers computer system is configured to facilitate global transfers for customers having a plurality of accounts with different entities in different countries. The global transfer may be a foreign exchange (FX) transfer or a non-FX transfer. The global transfers computer system includes a customer database, a user interface, and at least one computer implementing a global customer data computer application, a global transfers computer application, and/or a foreign exchange computer application. Various embodiments are described, including a computer implemented method for performing global transfers using a global transfers computer system.

Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.

Abstract: Systems and methods disclosed in this application are directed to augmented reality for used with pin badges. Pin badges can be worn, held, or set within view of an AR device having a camera. The AR device sends images or video from its camera to a platform server that determines whether a pin badge exists in view of the camera. If a pin badge exists, it is identified and augmented reality imagery related to the pin badge is transmitted back to the AR device so that the AR device can incorporate that augmented reality imagery into a video stream from its camera as shown on its display.

Abstract: An embedded electronic system includes a volatile memory and a processor configured to execute a low-level operating system that manages allocation of areas of the volatile memory to a plurality of high-level operating systems. Each high-level operating system executes one or more of applications. The volatile memory includes a first portion reserved for execution data of a first application and a second portion intended to store execution data of a second application. The system is configured so that once the execution data of the first application are loaded in the first portion, the low-level operating system forbids unloading of the execution data of the first application from the first portion so that the execution data of the first application remain in the volatile memory in case of a deactivation or of a setting to standby of the first application.

Abstract: System and methods are described for enabling a first client device to authorize a second client device to use a payment token for contactless payments, in which the payment token is authorized to be used by the second device with restrictions set by the first device. In one embodiment, a system comprises a computing device that includes a secure element. The system also includes machine-readable instructions that, when executed by the processor, cause the computing device to at least receive an indication for generating a sub-payment token and receive a selection of a key restriction for the sub-payment token. An application stored in the secure element is called to generate the sub-payment token based on the key restriction. The sub-payment token is received and comprises a sub-payment key and an application transaction counter range. The sub-payment token is sent through the wireless communication session to a second computing device.

Abstract: Systems, apparatuses, methods, and computer program products are disclosed for a payment card identification method. An example payment card identification method includes: receiving first payment card addition instructions to add a first payment card as a first virtual payment card where the first payment card addition instructions include a first feedback that specifies an identity of the first payment card and first instructions to associate the first feedback with the first virtual payment card; causing execution of the first payment card addition instructions to add the first payment card as the first virtual payment card and associate the first virtual payment card with the first feedback; and causing generation of the first feedback after adding the first payment card as the first virtual payment card and associating the first virtual payment card with the first feedback.

Abstract: Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has bees increasing common for users to have to wait on a line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

Abstract: Systems and methods for transferring funds to an user account include a payment service provider device receiving a request for fund transfer information for an user account from a payer device that is associated with a payer. The payment service provider device then provides a routing number that is associated with the payment service provider and a virtual account number that is associated with the user account to the payer device. The payment service provider device then receives information from a financial institution about a funds transfer to a payment service provider account that is provided to a payment service provider by the financial institution. The information about the funds transfer includes a funding amount and the virtual account number, and the payment service provider device allocates the funding amount to the user account using the virtual account number.

Abstract: Example embodiments of systems, methods, and computer-accessible mediums for transaction authorization are provided. An exemplary system can comprise a card including an input device and a display device in data communication with a server. The server can generate an authorization passcode upon an initiation of a transaction session, and the card can receive an entered passcode through the input device, display the entered passcode on the display device, and transmit the entered passcode to the server for comparison to the authorization passcode. Upon a determination that the entered passcode is a match for the authorization passcode, the server can transmit a match notification indicating the transaction session is valid, and upon a determination that the entered passcode is a mismatch for the authorization passcode, the server can transmit a mismatch notification terminating the transaction session.

Abstract: An accounting system according to the present disclosure includes a terminal that is placed on a table used by a customer, a connection apparatus that is connected to the terminal at the time of accounting, and a server that communicates with the terminal and the connection apparatus via a network. The terminal receives an order for a product from the customer and then transmits table identification information by which the table can be identified and product information regarding the product to the server, the server stores the table identification information and the product information in association with each other as accounting information, and the terminal acquires, when it is connected to the connection apparatus, the accounting information associated with the table identification information from the server and performs accounting processing.

Abstract: Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop. During checkout, the portal contacts a transaction service and is delivered back an identifying barcode or Quick Response (QR) code. The consumer uses a mobile device to scan the code and send it to the transaction service. Previously registered payment details of the consumer are located and payment is received from the consumer. The portal is notified that payment is completed by the transaction service.

Abstract: There are provided systems and methods for automatic data pull requests using a secure communication link between online resources. An account may be used to electronically process transactions by a user, which may include use of a digital wallet that may store payment instruments used for transaction processing. The user may access an online platform for a service provider that provides a service to the user and bills the user for the service. The online platform may provide transaction processing services for the user's bills. The user may request a secure communication link be established between the service provider's billing platform and the user's digital wallet so that when billing data is available on the billing platform, the data may be pulled by the digital wallet from the platform and loaded to the user's digital wallet for processing.

Abstract: A system includes a mobile device having a processor and memory. The mobile device determines that a new vehicle is assigned to an identified owner and responsively initiates a settings configuration process. The configuration process includes presenting existing vehicle system settings from an existing vehicle that can be transferred to the new vehicle, receiving selection of settings to be transferred, receiving editing of settings to be transferred, presenting configurable vehicle system settings for the new vehicle that can be configured, receiving configuration of the settings, and saving selected, edited and newly configured settings to a data set, which is then uploaded to a server for transfer to the new vehicle.

Abstract: Validator nodes and methods of operating a validator node to process blockchain transactions. The validator node provides a plurality of mining nodes with access to a set of unconfirmed transactions, typically by providing a hash of those transactions, in exchange for a token from each of the mining nodes. If one of the plurality of mining nodes successfully mines a block containing the set of unconfirmed transactions, the validator node refunds the token to that mining node and retains the remaining tokens. If a miner other than one of the plurality of mining nodes successfully mines a block before any of the plurality of mining nodes is able to mine a block containing the set of unconfirmed transactions, then the validator node transfers to each of the plurality of mining nodes a modified token.

Abstract: Engine systems, vehicles and methods related to refueling in conjunction with infrastructure to vehicle communication. A vehicle or engine system may receive refueling information including a fuel quantity at a refueling event, and uses the refueling information to identify and/or eliminate measurement or modelling bias in the underlying engine system controls. The vehicle may also self-determine fuel efficiency. The vehicle may use charging data, rather than refueling data, to perform calculations of battery life, state of charge, state of health, and efficiency in electric vehicle examples.

Abstract: Not using any app, a URL medium including a vault URL containing a property of an ID of a user is used during a user confirmation process and a transaction request process (a payment request process or a charging request process), and transaction (a payment or a charging) is made using money from an external device (a URL vault account), not the URL medium. A URL medium can support a way of requesting a transaction (a payment or a charging) after checking a user, or can support a way of confirming a user after requesting a transaction (a payment or a charging). A URL medium can support offline transactions and online transactions, and two URL medium (a URL medium-B of a buyer and a URL medium-S of a seller) can support offline transactions that do not use a POS (a URL POS). A URL medium can also support transactions that temporarily approve a payment.

Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for authentication of remote transactions. For instance, the method may include receiving a request for an interaction, obtaining data relating to an authentication item, and determining the location of a user device used by the user to initiate the interaction. The method may further include transmitting, to the user device, authentication data configured to cause a camera device to generate a response including the location of the camera device, receiving the response, authenticating the camera device as being associated with the user, and receiving one or more images of the authentication item captured by the camera device. The method may additionally include verifying that the user is in possession of the authentication item based on an analysis of the one or more images being received from the camera device and approving the interaction.

Abstract: One or more processors receive, from a payroll application, payroll data specifying employment and payroll information associated with an employer. The payroll application is associated with a payment service. Transaction data is received specifying payments between one or more customers and the employer. A trained model is used to generate a risk score based at least in part on the payroll data and the transaction data, the model having been trained using past payroll data and past transaction data associated with a plurality of merchants. Based at least in part on determining that the risk score satisfies a threshold, an instruction is sent to cause the payroll application to present an interface element in a user interface of the payroll application, Selection of the interface element triggers a delay of an electronic withdrawal of funds from the employer account from a first date to a later date.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record.

Abstract: A system and method for the use of geo-fences to coordinate and track delivery of items. In some embodiments, the system comprising a mobile delivery device comprising a vector calculation module configured to determine a motion vector associated with the mobile delivery device, a geo-location module configured to determine a geo-location associated with a mobile delivery device, and a geo-fence database configured to determine a size of at least one geo-fence associated with at least one location and determine whether the mobile delivery device is within the geo-fence. In some embodiments, the size of the geo-fence is determined at least in part on the motion vector determined by the vector calculation module.

Abstract: The present disclosure relates to systems and methods for managing a transaction between a providing entity and a receiving entity. Initially, a request to initiate a transaction is received from a receiving entity. One or more entity parameters associated with the receiving entity are extracted upon receiving the request. Each of the one or more entity parameters is matched with pre-determined transaction rules related to a plurality of providing entities registered with the system to identify at least one providing entity for the receiving entity. The transaction from the at least one providing entity to the receiving entity is enabled for the request. Using the proposed system, transactions are performed in accordance with the preferences of the one or more providing entities. Also, the proposed system provisions to keep transactions transparent between the providing entity and the receiving entity.

Abstract: Systems and methods for performing a plurality of operations, in which at least one operation comprises a blockchain transaction, are described. A request to perform a plurality of operations is received, where the operations comprise a blockchain transaction and a second transaction of a type other than a block chain transaction. A conversion factor is obtained from a service and a blockchain transaction is recorded based on the conversion factor. The recorded blockchain transaction comprises an amount of a digital asset (e.g., Bitcoin) based on the conversion factor, a generated blockchain address, and an interstitial change address. The second transaction is performed as a result of the blockchain transaction having been validated.

Abstract: A contactless Secure Element compliant to an inter-industry Secure Element contactless management standard where a Card Reset privilege or Implicit Selection parameter on a contactless interface is compulsory for an Identification Virtual Document application to be able to communicate with an external entity, said Secure Element has a proxy application having the Card Reset privilege or Implicit Selection parameter on the contactless interface and being adapted to receive any command from an external entity for any of the available Identification Virtual Document application belonging to any one of the different standards of Identification Virtual Document, to extract a select command comprising an Logical Data Structure application identifier, to identify and to determine the corresponding recipient Identification Virtual Document application using the extracted Logical Data Structure application identifier and to forward such a command to the determined corresponding recipient Identification Virtual Documen

Abstract: Disclosed are non-limiting methods for authenticating devices, including receiving a request for a device authentication identifier, transmitting a device authentication request message via a frame embedded in a webpage of a merchant website, the device authentication request message including challenge data associated with a challenge, receiving a device authentication response message via the frame embedded in the webpage of the merchant website based on the device authentication request message, the device authentication response message including challenge response data associated with a challenge response, transmitting the device authentication identifier message based on the device authentication response message, receiving a transaction request message for a transaction, including the device authentication identifier and transaction data associated with the transaction, determining the device score based on the device authentication identifier, and generating an authorization request message based on t

Abstract: A system and method for providing a temporary virtual payment card are provided. The system includes a user device, an administrator processing system, an account processing system, and a database. The system is configured to receive a request for a temporary virtual payment card, verify the user, and provide a temporary virtual payment card.

Abstract: Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action.

Abstract: Systems, apparatuses, and methods are provided for performing secure commercial transactions. The commercial transactions may be, for example, pre-pay pickup transactions, direct pay transactions, and transfer transactions. An identity of a user that initiates a commercial transaction may be verified based on biometric data. The biometric data may, for example, be representative of an image of at least a portion of a face of an individual, an image of an iris of an individual, at least a portion of a fingerprint of an individual, a temperature signature of an individual, a heartbeat signature of an individual, an odor characteristic of an individual, or a voice characteristic of an individual.

Abstract: Systems and methods provide for integrating a wallet client with federated directory services are disclosed herein. By integrating merchant services, such as directory services with a wallet service provider, wallet clients on mobile devices can have access to all merchant listings without having to manually add each directory service. The system disclosed herein integrates Chamber of Commerce directory service listings with the wallet client, such that when a request for a merchant directory service is received from a device associated with the wallet client, the request is forwarded to a federated directory service wallet system interface operated by a Chamber of Commerce site. Supply chain data that matches the request, and location information that is included in the request, is then fetched from the federated directory service wallet system interface and forwarded to the device that sent the request.

Abstract: Systems, methods, and apparatuses for setting credentials for accounts, or cards associated with accounts, are provided. A queue of credentials may be maintained for facilitating access to at least one account of a user. Credentials in the queue may be automatically generated using information provided by the user without additional input from the user. A deactivation event relating to the account may be detected, in response to which one credential for the account may be deactivated. A new credential from the queue may be activated to facilitate access to the account.

Abstract: Certain aspects of the present disclosure provide techniques for bridging transactions across blockchains. The method generally includes receiving a request to invoke an atomic transaction including operations performed on a first blockchain and operations performed on a second blockchain. Generally, the atomic transaction is completed when an enumerated set of operations are completed. A first operation in the enumerated set of operations is initiated on the first blockchain. Initiating the first operation on the first blockchain triggers initiation of one or more second operations on the second blockchain. Completion of the one or more second operations for the atomic transaction is detected on the second blockchain, indicating that the operations of the atomic transaction relevant to the second blockchain have been completed on the second blockchain. Based on detecting completion of the one or more second operations on the second blockchain, the atomic transaction is finalized on the first blockchain.

Abstract: The secured storage receives an electronic device including but not limited to a tablet, smart phone, mobile computing device, or other computing device. The secured storage provides a charging system that charges the device. The system selectively charges the devices based upon identified rules. The lock of the secured storage secures the electronic device within the storage. The system maintains a log of the users who access the electronic devices. The system then control access by granting access to users and restricting access to users based upon usage history, behavior, or other criteria.

Abstract: Method and systems for securely and accurately authenticating a payment card by using biometric information associated with an authorized user is provided. The method may be implemented by providing a payment card that includes a processor; a display area coupled to the processor and configured to hide account information when the payment card has not been authenticated and to display the account information for a predetermined time interval when the payment card is authenticated; a sensor coupled to the processor and configured to capture biometric information of a user; and a communication interface coupled to the processor and configured to facilitate wireless communication with a mobile smart phone.

Abstract: Systems and methods are described for implementing blockchain-based content engagement platforms. In several embodiments, the content engagement platform includes a registry service which enables verified content creators to mint Non-Fungible Tokens (NFTs). In many embodiments, media wallet applications enable users to securely store NFTs and/or other tokens on their devices. In a number of embodiments, the media wallet applications collect data concerning media consumed by users and aggregate the media consumption data in a permissioned analytics blockchain. The manner in which the media consumption data is stored can enable users to control permission to access their personal data. In one embodiment, a media wallet is provided that can securely store NFTs, display a user interface through which user instructions concerning data access permissions are received, and cause media consumption data to be written to at least one immutable ledger in conjunction with a set of data access permissions.

Abstract: Transaction cards, systems and methods involving an on-card display and an associated mobile computing device utilized for authenticating transactions are disclosed. In one embodiment, an exemplary transaction card may comprise transaction circuitry configured to conduct purchase transactions involving a mobile computing device coupled to or associated with the transaction card, communication circuitry configured to communicate with a provider of the transaction card, an e-ink display configured to display a QR code on the transaction card for use in authentication, data storage configured to store the QR code, and computer readable media having instructions for initiating a second-factor authentication process and displaying the QR code on the e-ink display to be captured by the mobile computing device and transmitted to a system or server for validating the second-factor authentication process.

Abstract: A server computer system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device associated with a contributing member, a signal defining one or more interface elements to be displayed on a computing device associated with a non-contributing member and one or more interface elements to be withheld from being displayed on the computing device associated with the non-contributing member; complete a booking request by applying loyalty points from a loyalty point account associated with a group of contributing members to offset a cost of the booking request for the non-contributing member; and responsive to completing the booking request, send, via the communications module and to the computing device associated with the non-contributing member, a signal indicating that

Abstract: A system and method for adding a virtual credit account to a mobile device is disclosed. The system receives a contact information for a customer at a store's electronic device, the contact information comprising: at least one of a device identifier (ID) and a user ID, the contact information being part of a request for a pre-existing credit account to be added to the customer's mobile device. An access to an account lookup/verification for the pre-existing credit account is provided to the customer's mobile device, the access generate an out-of-band verification. the request for the pre-existing credit account to be added to the customer's mobile device in conjunction with the out-of-band verification is provided by the customer's mobile device. The pre-existing credit account is then added to the customer's mobile device in a digital format allowing the customer to make a purchase.

Abstract: A method for preventing unauthorized repeat purchases of a product includes: storing a plurality of purchase data values, each related to a completed financial transaction and including a purchase identifier; receiving an authorization request for a new financial transaction from an external system, the authorization request including a specific identifier; identifying a number of purchase data values where the included purchase identifier matches the specific identifier; and transmitting an authorization response to the external system, the authorization response including (i) an approval of the new financial transaction if the number of purchase data values is below a predetermined number, or (ii) a denial of the new financial transaction if the number of purchase data values is equal to or above the predetermined number.

Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for testing and applying codes to electronic shopping carts. For instance, the method may include monitoring a shopping cart associated with an e-commerce website and with a user; in response to detecting a change to the shopping cart, testing codes with respect to a present content of the shopping cart to determine valid codes; selecting at least one of the valid codes; determining a status of the session; and performing an action based on the status and the at least one selected code. The testing the codes with respect to the present content of the shopping cart may include: cloning the shopping cart to form a cloned shopping cart in a shadow session; and/or obtaining the codes; and testing the codes on the cloned shopping cart in the shadow session to determine the valid codes.