Abstract: A system, method, and apparatus for a funds transfer is provided. A method includes: receiving a fund transfer request from a user regarding a payee and an amount of funds to transfer to the payee; sending the fund transfer request to a computing system; receiving an identification of the payee; receiving an identification of a data collision regarding information associated with the payee and another user; prompting the user to verify that the information regarding the identification of the payee is correct; receiving an indication from a user; sending an instruction that facilitates identification of the payee by resolving the data collision by deactivating an association of at least some overlapping information with the another user; receiving a message indicating that a fund transfer corresponding to the fund transfer request has been completed; and providing a message indicating that the fund transfer has been completed.

Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information. The one or more processors may also be configured to transmit the deposit token to the mobile device for displaying a readable code generated based on the deposit token, receive a point of sale deposit authorization notification from the merchant device indicating at least receipt by the merchant device of the deposit token from the mobile device, and transfer funds to a financial service account based on the received deposit information and authorization notification.

Abstract: Examples of a system and method for transacting media at a self-service terminal (SST), are generally described. A method may include receiving a PIN on a user interface component of a media interface aperture cover. The method may include causing the media interface aperture cover to retract to dispense or receive media through a media interface aperture.

Abstract: Systems and methods for transaction authorizations using a distributed database are disclosed. The system may allow registered transaction account holders and merchants to interact and complete transactions according to workflows enforced by smart contracts. The system may include an issuer system that receives a transaction authorization request comprising a merchant ID, a transaction account number, a transaction amount, and a transaction ID. The issuer system may retrieve a merchant public key and a smart contract based on the merchant ID, and a user public key based on the transaction account number. The issuer system may invoke the smart contract by passing the user public key and the transaction ID to the smart contract. The system may propagate transaction data (e.g., the merchant ID, the transaction account number, the payment amount, a transaction status, etc.) to a blockchain network for writing to a blockchain according to the invoked smart contract.

Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.

Abstract: A method of processing a virtual money order transaction includes establishing an account for a first user having a first user device and receiving from a second user device, a virtual money order purchase request identifying the first user as a payee, an amount, and payment information. A transfer of a payment amount from a second user account to a transaction processor account is processed and a virtual money order is generated with associated information accessible at a network address. A notification including the network address is transmitted to the first user device and a request to receive the money order information is received via the network address. Responsive to verification that the requester is authorized, the information is transmitted to the first user device. A redemption request is received and a transfer of the money order amount from the transaction data account to the redemption requester is processed.

Abstract: There are provided systems and methods for contact lookup operations during inoperability of mobile devices. A service provider, such as an online transaction processor, may provide additional services for secure contact lookup when a computing device of a user is nonoperational or unavailable. The user may establish a contact identifier and authentication mechanism with the service provider and allow access to the user's contacts. Once established, when the user's device is unable to access contacts and/or communication with other devices, the user may utilize the service provider for contact access through a contact lookup system. The user may utilize a different device to access a communication system or application and retrieve a data structure representing the user's contacts. The data structure may then be passed to the corresponding communication system or application interface system, which may then be output to the user.

Abstract: This application relates to a data processing method performed by a computer device. The method includes: for each block of a plurality of blocks in a first block file of a blockchain platform, detecting a to-be-maintained transaction record in the block; selecting, from a hash tree of the block, nodes used for proving that the transaction record belongs to the block; constructing a node maintenance tree according to the selected nodes; storing the transaction record at a corresponding leaf node of the node maintenance tree; migrating an association between a block head of the block and the node maintenance tree storing the transaction record from the first block file to a second block file, the block head of the block being adjacent to a block head of a previous block in the second block file; and deleting the first block file after the update processing for each block is completed.

Abstract: Embodiments provide a fraud alert management system with real-time remediation and integration with the originating system. The system obtains an electronic file that includes an exception information data structure comprising exception information representing one or more events and automatically parses the exception information into events for the customers associated with the events. For each customer, the system sends an event notification message with a link to an authentication interface of the payor financial institution. After the customer is authenticated, the system provides a user interface that displays information for each event and a display element for reporting fraud. Responsive to the customer selecting the display element for reporting fraud, the system sends a fraud reporting messages to the payor financial institution and the payee financial institution.

Abstract: The systems and methods that generate a one-touch frame are provided. A line of code including a tag is inserted into a webpage. The tag includes a link to a server from which parameters for the frame are obtained. The browser uses the parameters to generate the frame. In addition, the server or a local memory of a computing device on which the frame is generated also store credentials associated with a user account. These credentials are also obtained and incorporated into the frame. The frame may then be activated to perform one-touch functions using the credentials.

Abstract: A method and apparatus for managing liquidity when processing transactions are disclosed. In some embodiments, the method is implemented by a computing device and comprises: receiving data for a plurality of transactions; continuously reading in and aggregating, with an aggregator implemented at least partially in hardware of the computing device, transactions to produce one or more netted currency positions based on a plurality of properties of the transactions and on a plurality of netting constraints; generating one or more tasks, using a trade generator implemented at least partially in hardware of the computing device, to route cash movements as one or more batched fund transfers based on one or more trading policies; and sending the one or more tasks via network communications to one or more entities to execute the batched fund transfers.

Abstract: Computer system security and efficiency of processing operations may be improved using techniques that are described relating to analyzing user actions based on time of day of occurrence, and using time of a day as a factor in determining whether a particular action should be allowed or disallowed. Past action times can be transformed to a two-dimensional representation using a radial time schema that avoids discontinuity. A probability distribution can indicate a likelihood of whether a new action fits a previous pattern. If a new user action is relatively unlikely due to time of day, the new user action might be denied/prevented from completing, thus enhancing computer system security and avoiding unnecessary computational processing costs.

Abstract: Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.

Abstract: A web server device can match a series of commands from a user device to a workflow associated with a particular type of action. The web server device can, based on the particular type of action, select a particular database device from which to obtain data for executing the particular type of action. The web server device can prevent, via a user interface displayable by the user device, the user from entering information on the user interface that is unnecessary for executing the particular type of action. The web server device can retain, on the user interface, requests for information for executing the particular type of action.

Abstract: Technologies are disclosed for integrating an account with a third-party application. Upon completion of an account creation procedure or an account configuration procedure at a service provider network, a system may automatically (e.g., absent additional manual inputs) integrate the new account and/or the account configuration with the third-party application, for instance, such that the new account and/or the account configuration is replicated across multiple cloud accounts managed by the third-party application. The service provider network may comprise an organization account creator, an account configurer, an event monitor for detecting an account-related event (e.g.

Abstract: The present disclosure relates to a mobile computing device that is configured to secure a purchase transaction between a customer and merchant, and facilitate self-checkout between the user and any of several merchants. The system provides a payment processing network that achieves secure transactions free from fraud, while also having low fees. The system is based on establishing a relationship between a merchant's bank and a customer's bank, prior to a purchase transaction by the customer. The customer may then authorize their own bank to push funds to the merchant's bank in order to purchase goods or services using their smartphone, without the need to share any financial information between the user and merchant themselves. The smartphone is further configured to draw from multiple merchant product databases so that the customer may self-checkout, without the need to use a merchant-specific app, all within one app-linked system for payment and shopping.

Abstract: Techniques and apparatus for an interactive element presentation process are described. In one embodiment, for example, an apparatus may include a storage device and logic, at least a portion of the logic implemented in circuitry coupled to the storage device. The logic may operate to maintain a platform database of services selection information based on user selections of a plurality of services, receive an onboarding request from a user device to register a user with a service platform requiring background verification, determine an onboarding request result, and transmit an eligible set of the plurality of service options for presentation on a user device based on a user level of approval and services selection information. Other embodiments are described.

Abstract: A method for trusted notifications comprises: receiving, at a first host having at least one trusted server, a request message from a sender computing device, the request message comprising a request identifier and instructions to: update, at a second host, a recipient account associated with a recipient computing device, and to make a corresponding update at the first host to a sender account associated with the sender computing device. The method further comprises authorizing, at the first host, the request message; updating the sender account; generating a secure message at the at least one trusted server, the secure message comprising the request identifier and an indication from the at least one trusted server that the update completed; and sending the secure message from the first host to the sender computing device. The secure message can be received at the sender computer device and conveyed to the recipient computing device.

Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory, which may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card via a designated email program. Upon validation of the first set of information by the one or more servers, the contactless card may be activated.

Abstract: A parametric instrument having a cost and a payout is administered relating to business interruption of an instrument holder. Administration includes measuring economic activity in a plurality of commerce zones using objective data over a period of time, and determining conditions of whether the economic activity in one of the plurality of commerce zones drops by a predefined percentage relative to others of the plurality of commerce zones, whether the economic activity drop is unpredictable, and whether the economic activity drop is sustained over a predefined period of time. When the conditions are satisfied, the payout is automatically paid to the instrument holder.

Abstract: A device for controlled identity credential release may include at least one processor configured to receive a request to release an identity credential of a user, the identity credential being stored on the device. The at least one processor may be further configured to authenticate the user associated with the identity credential. The at least one processor may be further configured to, responsive to the authentication, provide at least a portion of the identity credential, such as for display and/or to a terminal device over a direct wireless connection. The at least one processor may be further configured to cause the electronic device to enter a locked state and/or to remain in a locked state, responsive to providing the at least the portion of the identity credential.

Abstract: Systems and techniques are described for applying machine learning techniques to dynamically identify potentially anomalous activity of entities. In some implementations, peer group data is obtained. The peer group data indicates multiple entities classified as belonging to a particular peer group, and a set of attributes associated with the multiple entities. Transaction data for the multiple entities is obtained from one or more data sources. One or more transaction models are selected. The transaction models that are each trained to apply a particular set of evidence factors corresponding to the set of attributes associated with the multiple entities, and identify transaction patterns representing potentially anomalous activity. The transaction data is processed using the one or more transaction models to identify potentially anomalous activity within the transaction data for the multiple entities. A prioritization indicator is computed for each entity included in the multiple entities.

Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.

Abstract: Devices and techniques are generally described for generating confidence scores for boosting-based tree machine learning models. In various examples, a first record comprising a plurality of input variables may be received. In another example, a boosting-based tree machine learning model may generate, for the first record, a base model score. In various examples, the base model score may be generated based on the plurality of input variables and the base model score may represent a likelihood that the first record is associated with a first class. In some examples, a score confidence machine learning model may generate a confidence score for the first record. The confidence score may indicate a confidence in the base model score. In various examples, the first record may be processed based at least in part on the confidence score.

Abstract: A cross border payment (CBP) computing device for transmitting cross border data rich payments in real-time is provided. The CBP computing device receives, from an originating bank associated with a payor, a payment request message to transfer funds in real-time. The payment request message includes payment instructions and transaction information associated with a transfer amount. The CBP computing device determines that the payment request message is a cross border payment transfer from a first payment network for processing real-time payments within a first country to a second payment network for processing real-time payments within a second country, and retrieves, from a database, a set of rules based on a payment messaging standard and protocol associated with the second payment network. The CBP computing device reformats the payment request messaged based on the retrieved set of rules, and transmits the reformatted payment message to a receiving bank associated with a payee.

Abstract: A request may be received to access a digital asset uniquely identified by an identifier within an on-demand database system configured to provide computing services to a plurality of entities via the internet. Ownership of the digital asset may be determined based on ownership of a designated smart contract recorded in a public trust ledger. A plurality of related smart contracts recorded in the public trust ledger may be identified. Each of the related smart contracts may be linked with the designated smart contract. Two or more of the smart contracts may each include a respective one or more non-fungible tokens related to the digital asset. A respective state for two or more of a plurality of modifiable values may be determined. Each of the modifiable values may be being stored within a respective one of the plurality of related smart contracts within the public trust ledger.

Abstract: A message generating system disseminates to each of multiple user devices first information items each associated with at least a respective one of multiple services made available by a first entity. When access indicative signals are received via a network connection, each prompted by a respective one of the user devices accessing at least one of the first information items, the system stores a respective awareness-stage record for each received access indicative signal, thereby recording that the respective user entity accessed at least one of the first information items. For each user entity for which a respective awareness-stage record is stored, a second item is generated and sent including information of a particular service associated with at least one first information item. User entities for which a second item was not generated are excluded as having not accessed a first item. The exclusion reduces data traffic on the network connection.

Abstract: Techniques for controlling data access using machine learning are provided. In one aspect, first, second, and third training data sets are generated from a set of historical access records and a set of historical data records, where the access records correspond to requests for data and comprise information identifying whether the request satisfies one or more data access rules, and the data records correspond to data elements and comprise information identifying whether the data element satisfies the one or more data access rules. One or more machine learning models are trained based on the first, second, and third training data sets to generate an output identifying whether requests for data should be granted.

Abstract: A method for recognizing an object in a video stream may include receiving a video stream comprising a plurality of video frames from a video source. The method may also select at least one video frame from the video frames according to a frame selection rate. The method may also partition the selected video frame into a first plurality of image blocks, and recognize, out of the first plurality of image blocks, a second plurality of image blocks which comprise an image of an object, the recognition being based on an image recognition parameter determined by a machine-learning algorithm. The method may also determine that at least one of the second plurality of image blocks corresponds to the object based on a likelihood metric, the likelihood metric being determined by the processor based on at least the frame selection rate, and display, on a display, information identifying the object.

Abstract: A method in a virtual private network (VPN) environment, the method including receiving, by a processor, a connection request from a user device for obtaining VPN services; determining, by the processor based at least in part on receiving the connection request, custom headers including a timing header, an authorization header, a digest header, and a signature header; transmitting, by the processor to the user device, a response including the custom headers and a payload indicating a VPN server associated with obtaining the VPN services; and configuring, by the processor, the VPN server to provide the VPN services to the user device. Various other aspects are contemplated.

Abstract: A communicator in one aspect of the present disclosure includes a connector, a communication circuit, and a communication controller. The connector is electrically coupled to an electric working machine. The communication circuit performs wireless communication. The communication controller cyclically transmits operational information without specifying a recipient via the communication circuit in response to an operating mode of the communication controller being set to an operation-transmission mode. The operational information indicates an operating state of the electric working machine.

Abstract: Provided is a method for fraud prevention using deep learning and survival models. The method may include receiving, with at least one processor, transaction data associated with a plurality of transactions of at least one payment account. At least one attempted attack may be detected based on the transaction data. A fraud risk score for each subperiod of a plurality of subperiods in a time period following the at least one attempted attack may be generated based on the transaction data using a deep learning model and a survival model. The fraud risk score for each respective subperiod may be associated with a probability that a fraudulent transaction will not occur by the respective subperiod. A system and computer program product are also disclosed.

Abstract: Correlating captured packets with synthetic application testing is provided. A device captures packets associated with a plurality of processes that include one or more synthetic transactions and one or more transactions responsive to user input. A packet capture data set can lack process identifiers (PIDs). The device captures first finger-printing data including first PIDs and attributes associated with the plurality of processes, and second finger-printing data comprising second PIDs corresponding to the one or more synthetic transactions. The device applies a first filter generated from the second PIDs in the second finger-printing data to a first finger-printing data set, and a second filter generated from the filtered attributes of a filtered finger-printing data set to the packet capture data set. The device provides a filtered packet capture data set to manage a performance of one or more processes of the plurality of processes.

Abstract: Systems and methods for recognizing and depositing digital files. Receive an unidentified file. Identify a target client and at least one account associated with the unidentified file. Segment the unidentified file into one or more document images. For each document image: scan the image and extract content, label the image based on its content, select an account of the target client, and deposit the labeled image in the selected account.

Abstract: A system and method for third-party food and dining ordering control, comprising at least one device capable of accessing the internet which may be a mobile device or personal computing device such as a laptop or desktop, a web application, and a point-of-sale system at a restaurant or retailer, wherein users of the web application may deposit funds into an account and set regulations on what they may purchase with the deposited funds, or have an administrator set up an account for them such as a parent setting up an account for a child or a doctor setting up an account for a patient, allowing the parent or doctor or other administrator to regulate what the sub-user such as the child or patient may purchase, in keeping with budget, diet, and lifestyle restrictions, and which may utilize zero-step authentication to allow for seamless use of the service at certain establishments.

Abstract: A method includes generating a transaction code associated with a payee; generating and providing a payee device token to a payee user device; receiving an indication of a contact or a near-contact event between the payee user device and a payor user device; receiving from the payor user device, the transaction code associated with the payee and a transaction code associated with the payor, the transaction codes exchanged during the contact or near-contact event; establishing a payment relationship between the payee and the payor responsive to receiving the indication and the transaction codes from the payor user device; receiving a payment request; determining that the payment request originated from the user device identified by the payee device token, and that the received transaction codes contained in the payment request match stored transaction codes of the payee and the payor contained in a database; and processing the received payment request.

Abstract: There are provided systems and methods for a rapid online variable sourcing infrastructure for decision system. Specifically, endpoints may be injected into domain servers serving as a template for sourcing new data variables. When new variables are involved, a first endpoint is injected for registering variables exposed to the domain server, and a second endpoint may be injected to fetch data values at run time, e.g., during the actual decision computation. In this way, data pipeline latency can be avoided during the sourcing process, as the data variables can be sourced from domain servers at run time.

Abstract: A communicator in one aspect of the present disclosure includes a connector, a communication circuit, and a communication controller. The connector is electrically coupled to an electric working machine. The communication circuit performs wireless communication. The communication controller cyclically transmits operational information without specifying a recipient via the communication circuit in response to an operating mode of the communication controller being set to an operation-transmission mode. The operational information indicates an operating state of the electric working machine.

Abstract: Methods and systems of managing payment cards are disclosed. A financial institution computing system includes a token database storing a plurality of tokens and token information, a network interface circuit enabling the financial institution computing system to exchange information over a network; and a token management circuit. The token management circuit enables a graphical user interface on a customer device over the network that can be used to generate new token requests, re-provision token requests, and management requests. The management requests enable and disable tokens, such that transactions against a payment card account using an enabled token are completed, and transactions against the payment card account using a disabled token are denied.

Abstract: Described herein is a system for automatically capturing images. A device may execute an application on the device. In response to receiving a request for capturing an image of a document, the application may control the operation of the camera to contemporaneously and continuously capture image frames of an area within the field of view of a camera of the device. The field of view may include an object and in turn may be included in the captured image frames. The application may determine whether the aspect ratio and real-world size of the object in the captured image frames corresponds with a specified threshold size and aspect ratio which corresponds with a given document type. In response to determining the object corresponds to the given document type, the camera may automatically extract an image of the object.

Abstract: Provided are systems and methods for managing and implementing single-use payment-enabled tokens. In one example, a method may include distributing, via a server, a payment-enabled token to a payment application on a computing device, the payment-enabled token being mapped to a payment account of the payment application via a tokenization service, detecting use of the payment-enabled token as a payment via the payment application, and in response to the detecting, deactivating the payment-enabled token at the server and storing an identifier of the payment-enabled token and an additional data element of the payment-enabled token that identifies the payment account together within a data structure of the server.

Abstract: Systems, apparatuses, and methods for verifying physical presence of a mobile device as part of an electronic transaction. Tags may be generated and displayed on one or more display devices. Those tags, which may be time-limited, may be read by a mobile device to verify physical presence of the mobile device as a prerequisite to initiating, continuing with, or completing an electronic transaction, and/or as a decision point in how the electronic transaction is to be conducted.

Abstract: Disclosed are methods, systems, and devices for facilitating secure and private communications, via a website or application of a third-party computing system (TPCS), between a user device and a service provider computing system (SPCS). The communications may be conducted via a frame in a website served by the TPCS. The TPCS may serve a website that incorporates a customizable SDK component provided by the SPCS. The communications allow the user to, for example, open a new account. The SDK component may be initialized via a script from the SPCS, and authenticated via a session token obtained from the SPCS via the TPCS. The SDK component may provide user information, input into the frame, to the SPCS via API calls to the SPCS. The user does not navigate away from the website while securely engaging the SPCS. The third-party/partner need not develop its own user interface, security protocols, etc.

Abstract: Disclosed are methods, systems, and devices for facilitating secure and private communications, via a website or application of a third-party computing system (TPCS), between a user device and a service provider computing system (SPCS). The communications may be conducted via a frame in a website served by the TPCS. The TPCS may serve a website that incorporates a customizable SDK component provided by the SPCS. The communications allow the user to, for example, open a new account. The SDK component may be initialized via a script from the SPCS, and authenticated via a session token obtained from the SPCS via the TPCS. The SDK component may provide user information, input into the frame, to the SPCS via API calls to the SPCS. The user does not navigate away from the website while securely engaging the SPCS. The third-party/partner need not develop its own user interface, security protocols, etc.

Abstract: Disclosed are methods, systems, and devices for facilitating secure and private communications, via a website or application of a third-party computing system (TPCS), between a user device and a service provider computing system (SPCS). The communications may be conducted via a frame in a website served by the TPCS. The TPCS may serve a website that incorporates a customizable SDK component provided by the SPCS. The communications allow the user to, for example, open a new account. The SDK component may be initialized via a script from the SPCS, and authenticated via a session token obtained from the SPCS via the TPCS. The SDK component may provide user information, input into the frame, to the SPCS via API calls to the SPCS. The user does not navigate away from the website while securely engaging the SPCS. The third-party/partner need not develop its own user interface, security protocols, etc.

Abstract: Systems and techniques for multi-layer user authentication with live interaction are described herein. An authentication request may be received from a user for secure data stored in a computing system. Contextual data may be received that is associated with authentication information received from the user. It may be determined that the user has passed a first authentication process based on a match between the authentication information and reference authentication information stored in a user profile for the user. A risk score may be generated for the authentication request based on the contextual data and the authentication data. A second authentication process may be identified based on the risk score. A set of secondary authentication information may be received. Data associated with the authentication request may be transmitted upon authentication of the user via the second authentication process based on the set of secondary authentication data.

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: An example of a method for detecting hacking activities includes identifying one or more attributes of each interaction in a sequence of interactions between one or more users and bank services during a predetermined time period. The one or more users are categorized into a plurality of groups based on the identified attributes. Each of the plurality of groups includes users performing the sequence of interactions with the bank services during the predetermined time period. A degree of anomaly is calculated for each of the plurality of groups based on a total number of users associated with a corresponding sequence of interactions and based on a number of users associated with the corresponding sequence of interactions during the predetermined time period. The calculated degree of anomaly is compared with a predetermined threshold. Hacking activity is identified, in response to determining that the calculated degree of anomaly exceeds the predetermined threshold.

Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

Abstract: A digital camera processing system with software to manage taking photos with a digital camera. Camera software controls the digital camera. A downloaded software component controls the digital camera software and causes a handheld mobile device to perform operations. The operations may include instructing a user to have the digital camera take photos of a check; displaying an instruction on a display of the handheld mobile device to assist the user in having the digital camera take the photos; or assisting the user as to an orientation for taking the photos with the digital camera. The digital camera processing system may generate a log file including a bi-tonal image formatted as a TIFF image.