Abstract: Embodiments of the present invention provide a system for generation and maintenance of nested hierarchical resource modules. The system is configured for identifying one or more indicators associated with one or more resource pools of a user, generating one or more resource modules in the one or more resource pools of the user based on identifying the one or more indicators, automatically transferring resources to each of the one or more resource modules, identifying initiation of a resource interaction by the user, wherein the resource interaction is between the user and a third party entity, determining a type of the resource interaction and identify at least one resource module that is associated with the determined type, and transferring the resources from the at least one of the one or more resource modules to the third party entity.

Abstract: One or more computing devices obtains service data of a user payment service. The one or more computing devices determines whether the service data of the user payment service falls within a service indicator range. In response to determining that the service data does not fall within the service indicator range, the one or more computing devices obtains location information of a target customer corresponding to the service data. The one or more computing devices obtains one or more local events corresponding to the location information. The one or more computing devices determines, based on the one or more local events, whether to output an alarm for the service data. In response to determining to output the alarm for the service data, the one or more computing devices outputs the alarm for the service data.

Abstract: Various systems and methods are provided that retrieve raw data from issuers, reorganize the raw data, analyze the reorganized data to determine whether the risky or malicious activity is occurring, and generate alerts to notify users of possible malicious activity. For example, the raw data is included in a plurality of tables. The system joins one or more tables to reorganize the data using several filtering techniques to reduce the processor load required to perform the join operation. Once the data is reorganized, the system executes one or more rules to analyze the reorganized data. Each rule is associated with a malicious activity. If any of the rules indicate that malicious activity is occurring, the system generates an alert for display to a user in an interactive user interface.

Abstract: The present disclosure relates generally to a system that utilizes a primary or central gaming establishment account to accumulate funds from one or more secondary or peripheral gaming establishment accounts and escrow such funds prior to use.

Abstract: Systems and methods for facilitating communication between users of a collaboration service on a private network are presented. A first server is configured to host the collaboration service. A first client device corresponds to a registered user of the collaboration service. The first client device is in direct communication with the first server to use the collaboration service. An application portal instance is configured and deployed by a second server. The application portal instance is configured to directly connect to the first server. The application portal instance provides an indirect connection to the first server. The indirect connection is hidden from users of the system. A second client device corresponds to a non-registered user of the collaboration service. The second client device connects directly to the application portal instance. The first client device and the second client device communicate over the private network using the collaboration service.

Abstract: An offline transaction implementation method includes: determining, by a payment server in response to a request of a user for registering with a credit transaction service of a merchant, whether credit information of a user account meets a condition, provisioning the credit transaction service of the merchant for the user account when determining that the credit information of the user account meets the condition, and sending account information of the user to a merchant transaction management system; guiding, by the merchant transaction management system after receiving the account information, the user to input a biometric characteristic, and after collecting the biometric characteristic input by the user, storing a binding relationship between the biometric characteristic and the account information into a registered user library of the merchant, prompting the user that the registration succeeds, and controlling a gate of the merchant's store to open for allowing entry of the user.

Abstract: Various embodiments of the present disclosure generally relate transacting in advance. More specifically, various embodiments relate to detecting a mobile computing device of a user within a proximity of a banking location; receiving, via the mobile application, an indication of a type of transaction to be conducted; and directing, via the mobile application, the user to an area of the banking location based on the type of transaction to complete the transaction.

Abstract: An authentication computing device, including a processor in communication with a memory, for authenticating an ACH transaction processed over an ACH network is provided. The processor is programmed to register a payee with the authentication computing device, and to receive an authentication request for an electronic ACH transaction to transfer funds from a payor account to a payee account. The request is received from a first client computing device and includes an account identifier associated with the payor account. The processor is also programmed to transmit an authentication challenge to a second client computing device based on account data associated with the account identifier. The processor is further programmed to receive a response to the authentication challenge, determine whether the account data has been authenticated based on the received challenge response, and transmit an authentication response to the payee based on the determination.

Abstract: Implementations of the present disclosure include receiving a transfer request including a first identifier of a first node, a second identifier of a second node, an identifier of a smart asset, and a value, determining whether the smart asset is capable of transfer at least partially based on the identifier of the smart asset, and the value, and in response to determining that the smart asset is capable of being transferred, automatically: providing a first smart asset and a second smart asset, the first smart asset being assigned a first identifier, a first value, and including properties of the smart asset, the second smart asset being assigned a second identifier, the value, and including properties of the smart asset, recording the first smart asset to the first node, and the second smart asset to the second node, and deleting the smart asset.

Abstract: Disclosed herein are system, method, and computer program product embodiments for authenticating a mobile user via an authentication method determined based on a token level associated with the action being completed. An authentication token is created corresponding to the token level and the authentication token is sent to the mobile device. This authentication token may be used to authenticate subsequent actions and engage various services to complete the actions using application programming interfaces. The authentication token stored on the mobile device obviates the need for a user to authenticate multiple times to complete actions requiring a similar token level. The system may authenticate the identity of the mobile user using various authentication methods.

Abstract: A method for optimizing transaction authorization conversion rates using measured feedback includes retrieving payment transaction parameters and authorization results for a plurality of past payment transactions from a database, generating a transaction success model comprising authorization success factors for each of a plurality of payment transaction parameters using data science methods for statistical inference based on the retrieved payment transaction parameters and authorization results, receiving, at an acquirer processor, a payment transaction from a merchant, modifying one or more parameters of the payment transaction according to the generated transaction success model, and submitting the modified payment transaction to a financial institution for processing.

Abstract: A computer-implemented method for real-time transaction fraud vetting, including: receiving a transaction record including real-time transaction data and a key identifying a transacting entity; matching the key to a plurality of profiles of the transacting entity, each of the plurality of profiles including a data attribute; accessing a datapoint for each of the plurality of profiles, each datapoint representing a standard for the corresponding data attribute computed from historical transaction records of the transacting entity; assessing whether deviation of the real-time transaction data from each datapoint exceeds a corresponding threshold; incrementing a transaction risk corresponding to the transaction record for each deviation from one of the datapoints that exceeds the corresponding threshold; outputting a fraud score based at least in part on the transaction risk; and updating at least one datapoint based on the corresponding real-time transaction data to generate an updated datapoint set for the plu

Abstract: A method and system for providing real-time encrypted data alerts over secure networks. The method and system detect the improper duplicate data records and generate alerts that indicate the improper duplication. The systems encrypt the data alerts and transmit them to remote devices over private, secure networks to protect sensitive data contained in the alerts.

Abstract: The system for providing an application includes an interface and a processor. The interface is configured to receive a providing indication to provide the application to a device. The processor is configured to provide the application to the device. The application is configured to receive login information associated with a user; receive an adding indication to add a credential; provide an available indication of credentials available to the user; create a credential request; provide the credential request to a server system; receive the credential; and store the credential.

Abstract: A system or method may implement an overdraft prediction analysis to predict whether an account overdraft is about to occur. The overdraft prediction analysis may be based on: 1. customer account data, such as current account balance, historical balances, historical withdrawals, historical deposits balance trends, and the like; 2. account transaction data, such as routine or recurring account transactions, timing of transactions, amount, deposit or withdrawal transactions, and the like; 3. location data, such as locations of past purchases or payments; and 4. time and date data, such as dates and times of past transactions. Other factors, such as credit score, loan activities, social data, or the like also may be used for the overdraft prediction analysis. Once an overdraft situation is predicted, the system or method may provide options for the users to avoid or mitigate the potential account overdraft.

Abstract: A device may determine a behavioral pattern of an account over a past time period based on data relating to one or more transactions associated with the account. The device may identify one or more quantitative features of the behavioral pattern and one or more spatial features of the behavioral pattern. The device may determine an account type cluster to which the account belongs, based on the one or more quantitative features and the one or more spatial features identified. The device may determine, based on the account type cluster that is determined, a model for processing the behavioral pattern. The device may predict, using the model that is determined, an amount of funds that is likely to remain in the account during a future time period. The device may perform one or more actions based on the amount of funds that is predicted.

Abstract: Performing transactions using virtual card values is disclosed, including: generating a virtual card value corresponding to a transaction; sending a request to a card management server, wherein the request includes the virtual card value and a transaction amount corresponding to the transaction; receiving an indication from the card management server that the virtual card value and the transaction amount have been successfully stored; generating a merchant-related locator based at least in part on identifying information associated with a merchant server and the virtual card value; sending the merchant-related locator to a client device; and receiving, from the card management server, a request to transfer the transaction amount from a user account associated with a cardless payment server to a funds account associated with the merchant server.

Abstract: A zero-step authentication system and method which uses wireless mobile devices to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method use a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.

Abstract: There are disclosed methods and systems for determining a speaker of a set of registered users associated with a voice-controllable device. The method is executable by an electronic device configured to execute a Machine Learning Algorithm (MLA). The method comprises executing the MLA to determine a first probability parameter indicative of the speaker of the user utterance being one of the set of registered users; executing a user frequency analysis to generate, for each given one of the set of registered users, a second probability parameter the being an apriori frequency based probability; generating, for the electronic device, for each given one of the set of registered users an amalgamated probability based on the first probability and the second probability associated therewith; selecting the given one of the set of registered users as the speaker of the user utterance based on the amalgamated probability value.

Abstract: This specification describes techniques for blockchain-based smart contract call. One example method includes receiving a target transaction initiated by a client device of a blockchain, wherein the target transaction is preconfigured for a call rule used to initiate a call for a smart contract; obtaining the call rule preconfigured for the target transaction; executing the call rule to initiate a call for a target smart contract; and providing a call result to the client device when the call for the target smart contract is completed.

Abstract: This invention relates to a method to compensate by a server a clock deviation of a card i by maintaining a time base Tbase (i) synchronized with card i, the method comprising the steps of: receiving at a time TS a dynamic card verification dCVV code value generated by card i; providing a set of at least two dCVV code corresponding to two successive dCVV time periods; if the dCVV code received from card i corresponds to one of the dCVV codes of the provided set but is different from the reference dCVV code, determine the minimum possible timing drift Min_td between the time base maintained by the server for the card and the time base Tbase(i) of the card; updating time base Tbase(i) by addition of a time drift correction equal to the minimum possible time drift Min_td.

Abstract: A system and method for generating an insult rate and reconfiguring an automated decisioning workflow includes configuring a testing group based on sampling from online events having an adverse disposal decision computed by an automated decisioning workflow computer that is configured with machine learning-based threat score thresholds that, if satisfied, causes a computation of a disallow decision or a block decision for a given online event; evaluating a performance and collecting performance data of distinct members of the testing group over a testing period; computing an insult rate for the testing group based on the performance data; computing an insult rate equilibrium for the automated decisioning workflow computer based on the performance data; evaluating the insult rate against the insult rate equilibrium; and reconfiguring adverse decisioning thresholds based on the evaluation of the insult rate of the testing group against the insult rate equilibrium for the automated decisioning workflow computer.

Abstract: A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.

Abstract: For a financial consolidation process, a graphical user interface is presented, providing task icons representing financial consolidation tasks for business entities, including a view with business entities along a business entity axis and tasks along a task axis in a grid. Tasks for business entities are presented as task icons at an intersection of axes. A visual feature of each task icon indicates status, including indication of receipt status, so that the status of submissions is presented efficiently to the user. Responsive to receiving a user selection of one of the task icons, the same view shows an identification for a person assigned to the task of the selected task icon, wherein the status and person identification in the view enables the user to efficiently identify and contact assigned persons for expediting completion of missing submissions.

Abstract: A method of improving the training and performance of predictive models. A first method of operating an artificial intelligence machine produces predictive model language documents describing improved predictive models that generate better business decisions from raw data record inputs. A second method of operating an artificial intelligence machine including processors for predictive model algorithms produces and outputs better business decisions from raw data record inputs. Both methods enrich the raw data records their processors are fed by deleting data fields with data values that have little benefit in decision making, and that derive and add new data fields from information sources then available that do benefit in the decision making of the artificial intelligence machine through improved accuracies of prediction.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for associating payment information from a payment transaction with a user account. One of the methods includes receiving an indication of a payment transaction between a customer and a merchant, wherein the payment transaction is associated with payment information. A customer parameter that identifies an account with the payment service system is received. If the customer has consented to associate the payment information with the account of the payment service system based on receiving the customer parameter that identifies the account with the payment service system, the account is identified based on the received customer parameter, and the payment information is associated with the identified account of the payment service system.

Abstract: A method for providing data values to an automated program includes: storing, in an account database, a plurality of account profiles, wherein each account profile includes at least an account identifier and a digital token value related to a user account; executing, by a querying module, a query on the account database to identify a specific account profile; transmitting, by a transmitting device, the digital token value included in the specific account profile to a first computing system; receiving, by a receiving device, a plurality of data values associated with a user corresponding to the user account related to the specific account profile based on the digital token value from the first computing system; and transmitting, by the transmitting device, one or more data values of the plurality of data values to an automated application program executed by a second computing system.

Abstract: A business method to reverse an authorization request denial made according to general guidelines if the particular customer and the particular transaction pass various threshold tests. Alternatively, each customer is assigned different and independent personal thresholds for transaction types, amounts, times, locations, and context. These thresholds are then applied if an instant payment transaction request is about to be declined.

Abstract: A system can include one or more processors and non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform a method for automatically processing an online return request. The method performed by the system can receive a refund request from a user computer used by a customer of a grocery store, the refund request for returning a grocery item (a) previously purchased as part of a transaction of the grocery store and (b) paid for by a payment method via the transaction; and process a refund solution based on the transaction and the grocery item. In this system, the method can process the refund solution by determining a returnable status of the grocery item according to one or more returnability rules dynamically generated by a machine learning model. If the returnable status of the grocery item is negative, the method performed by this system can deny the return request.

Abstract: A pre-defined condition for a pending transaction is satisfied. In response, a real-time request for authorizing the pending transaction is sent to an interested party of the pending transaction. Based on a response received from the interested party, a notice is sent to a Point-Of-Sale (POS) terminal indicating whether the pending transaction was authorized and completed or denied.

Abstract: An imaging system associates one or more the iris images with a selfie face image for biometric identity. The imaging system captures a first image of a subject using light in a visible wavelength range and captures a second image of the subject using light in a near infrared wavelength range. The image system retrieves a selfie face image of the subject, and matches a face portion of the first image against a face portion of the selfie face image, wherein the face portion for each at least comprises an iris. In response to the matching, the image system segments one or more iris portions from the second image to generate one or more iris images and binds the first image and the one or more iris images to the selfie face image for biometric identity.

Abstract: A novel method of allowing secure payments from a purchaser to a seller through the utilization of a combined server platform/vault server system. Such a system entails the generation of a subscription service that allows for authentication of a consumer's credit card in terms of pre-approved identification for future transactions. Such a system initiates a tokenization procedure through transfer of credit card information to the server platform through the vault program and to issuing banks/card providers. Upon acceptance thereof, the vault server generates a token that correlates to a specific credit card of a specific user that is then stored on the server platform. Upon request from a subscribing merchant for acceptance of a tokenized card for payments, the user merely needs to provide an identifying code to access the card for such a purpose.

Abstract: A secure element integrated within a mobile communications terminal. Such an element includes: at least one first application for processing transactions, having at least one interface for communications with a communications network in a secured manner; and at least one second application for processing secured data, having at least one communications interface for communications with an executing environment of said communications terminal. The first application is able to request at least one piece of data from the second application.

Abstract: A surveillance system (1) includes an area information acquisition unit (101), a position information acquisition unit (102), a candidate determination unit (103), and a notification unit (104). The area information acquisition unit (101) acquires information of a surveillance-desired area. The position information acquisition unit (102) acquires pieces of position information of a plurality of portable terminals (20), each portable terminal performing surveillance using an image capturing unit. The candidate determination unit (103) determines a candidate portable terminal (20) to be moved to the surveillance-desired area from among the plurality of portable terminals (20) based on the acquired pieces of position information of the plurality of portable terminals (20). The notification unit (104) outputs a notification to the candidate portable terminal requesting to move to the surveillance-desired area.

Abstract: A score factor system that may generate a score factor user interface that displays summary credit information for a particular consumer in selected credit categories. The system constructs flippable score factor interfaces for such display that, when touched, may be reversed to display explanatory text on how the corresponding credit category affects their credit report.

Abstract: A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving a vehicle identifier (VID), the VID uniquely identifying a vehicle of a user, receiving a response that indicates the user and that provides user information associated with the user, the user information including one or more of behavioral information and disbursement information, and at least partially performing an operation based on the user information.

Abstract: A system for dynamic origination of capital includes a rate processor, a revenue forecaster, and an offer processor. The rate processor is configured to generate a price for a capital product offer to a first subscriber of a point-of-sale (POS) subscription service, where the interest rate is generated by employing a probability of default (PD) value that is derived from historical POS data corresponding to all subscribers. The revenue forecaster is coupled to the rate processor and is configured to employ first historical POS data for an establishment corresponding to the first subscriber to predict future POS data using a neural network trained on the historical data corresponding to all subscribers, and to employ the future POS data to generate a predicted total revenue over a payback period for the first subscriber.

Abstract: Systems for providing multi-layer authentication are provided. In some examples, a system may receive data associated with a signal detected by a computing device. The signal may be emitted from a smart processing device. The received signal data may be compared to pre-stored signal data to determine whether a match exists. If not, an instruction disabling functionality of the smart processing device may be generated and transmitted to the smart processing device. If so, an instruction enabling functionality of the smart processing device may be generated and transmitted. The system may generate a request for next layer authentication data. The request may be transmitted to one or more computing devices and next layer authentication response data may be received. The next layer authentication response data may be compared to pre-stored next layer authentication data to determine whether a match exists.

Abstract: An application server for automated data transfers and associated methods are disclosed.

Abstract: A user device may output an indication of an incoming call from a calling device. The user device may receive a request to screen the incoming call. The user device may analyze a transcription of voice input, received from the calling device, for one or more keywords related to a request for funds. The user device may output one or more input options, which permit a user of the user device to respond to the request for funds, including an input option to transfer funds from a first account associated with the user device to a second account associated with the calling device. The user device may detect a user interaction with the input option to transfer funds from the first account to the second account. The user device may transmit a request that causes funds to be transferred from the first account to the second account.

Abstract: A device may collect environmental information surrounding the device. Based on the collected environmental information, the device may automatically identify a potentially secured location that has lower security risk. When a potentially secured location is identified, the device may prompt the user to setup a security profile having reduced security requirement for the secured location. The device may store and associate the security profile with the secured location. The device may activate the security profile with reduced security requirement when the device is in the secured area. Further, the security profile may require that certain features of the device be disabled when the device is in the secured location.

Abstract: Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.

Abstract: A method of reducing a future amount of electronic fraud alerts includes receiving data detailing a financial transaction, inputting the data into a rules-based engine that generates an electronic fraud alert, transmitting the alert to a mobile device of a customer, and receiving from the mobile device customer feedback indicating that the alert was a false positive or otherwise erroneous. The method also includes inputting the data detailing the financial transaction into a machine learning program trained to (i) determine a reason why the false positive was generated, and (ii) then modify the rules-based engine to account for the reason why the false positive was generated, and to no longer generate electronic fraud alerts based upon (a) fact patterns similar to fact patterns of the financial transaction, or (b) data similar to the data detailing the financial transaction, to facilitate reducing an amount of future false positive fraud alerts.

Abstract: A transaction message processing server is configured to receive an authorization request message from a sender computing device, the authorization request message associated with a transaction. The server is also configured to detect a decision data element in an authentication outcome data field of the authorization request message, and interpret the decision data element as an indicator that the transaction is highly authenticated. The server is further configured to retrieve a reason code that identifies the transaction as a highly authenticated transaction, and embed the reason code into the authorization request message to form an enhanced authorization request message. The server is still further configured to transmit the enhanced authorization request message including the reason code to an issuer computing device, wherein the enhanced authorization request message is configured to enable the issuer computing device to bypass at least one issuer authentication process.

Abstract: A method can include receiving a first payment from a first payment terminal in a first format, converting the first payment to a unified format, receiving a second payment from a second payment terminal in a second format different from the first format, and converting the second payment to the unified format.

Abstract: Certain aspects involve building and debugging models for generating source code executed on data-processing platforms. One example involves receiving an electronic data-processing model, which generates an analytical output from input attributes weighted with respective modeling coefficients. A target data-processing platform is identified that requires bin ranges for the modeling coefficients and reason codes for the input attributes. Bin ranges and reason codes are identified. Modeling code is generated that implements the electronic data-processing model with the bin ranges and the reason codes. The processor outputs source code, which is generated from the modeling code, in a programming language used by the target data-processing platform.

Abstract: Disclosed is a novel system and method for managing payment card fraud. More particularly, accessing information associated with at least one card holder after the card holder has physically passed through at least one security checkpoint in which the card holder's identity has been authenticated. Next at least one payment card identifier associated with the card holder is received. A payment card profile associated with the payment card is updated. In one example, information from a ticket is also used with the payment card identifier to manage the probability of rejection. Numerous embodiments are disclosed.

Abstract: A method for providing a virtual asset service based on a DID (decentralized identifier) is provided. The method includes steps of: a service providing server (a) if VADs (virtual asset addresses) are registered as a whitelist and if virtual asset transmission is requested, (a1) transmitting the virtual asset from a sender's VAD to a first VAD, (a2) if the first VAD is not registered, allowing a sender's device to request for registration of receiver's KYC, transmit or register a receiver's signature to the service providing server or in a data hub, and (3) transmit a receiver's DID to the service providing server; and (b) (i) acquiring a receiver's public key and a second VAD, or acquiring the signature from the data hub (ii) verifying the signature and the first VAD, and (iii) if the first and the second VADs are identical, registering the first VAD and transmitting the virtual asset.

Abstract: Embodiments of the present invention provide a system for facilitating navigation of utilization of resources. The system is configured for identifying one or more priorities or one or more events associated with a user, generating one or more routes associated with at least one of the one or more priorities and the one or more events, transmitting the one or more routes to a user device of the user, transmitting first set of control signals to the user device to prompt the user to select at least one route of the one or more routes, receiving the at least one route from the user device, and transmitting a second set of control signals to the user device to transform the graphical user interface of the user device to display the at least one route and one or more graphics associated with the at least one route.