Abstract: An attempted transaction is identified involving a customer device and the first customer device is redirected to a security broker. A security report for the first customer device is received from the security broker. The security report is based on security data transmitted from the customer device to the security broker. An action can be performed in association with the attempted transaction based at least in part on the received security report. In some aspects, the security broker receives security data describing security conditions on the customer device in connection with the transaction between the customer device and a transaction partner. A risk tolerance policy is identified that corresponds to the transaction partner, such as an ecommerce provider. A security report is generated based on a comparison of the risk tolerance policy and the security data and the security report.

Abstract: Risky actions versus non-risky actions in a transaction are identified and a fraud score associated with probabilities of the risky actions is updated accordingly for purposes of determining whether the transaction is likely or not likely to be associated with fraud. A machine-learning model is trained to predict the risky actions versus non-risky actions of a transaction based on the transaction features as a whole and compare the predicted action labels of risky and non-risky versus the actual actions taken in the transaction to calculate probabilities of risky actions taken and output a risk or fraud score based thereon. Higher probabilities correlate with lower risk scores and vice versus.

Abstract: A computer-implemented method comprising providing a graphical user interface for user selection of fraud rules that comprises fraud transaction parameters determined based on transaction parameters included in a plurality of known fraudulent transactions. The GUI also comprises high risk merchants with a fraud rate that exceeds a threshold fraud rate. The method includes receiving a user selection of fraud rules relating to at least the fraud transaction parameters, the high risk merchants, and the high frequency merchants. The method includes receiving test transaction data including at least one transaction parameter and at least one merchant associated with the test transaction, applying the fraud rules to the received transaction data to identify probable fraudulent transactions.

Abstract: Rules can be selectively applied by a user to an access card using a graphical user interface (GUI) of a mobile application. For example, the mobile application can provide a graphical user interface through which the user can select how usage of the access card is to be handled by the service provider. The mobile application can receive, through the graphical user interface, input from the user indicating one or more rules to be applied to the access card. The one or more rules can dictate how usage of the access card is to be handled by the service provider. In response to receiving the input, the mobile application can transmit one or more commands to a computer system associated with the service provider. The computer system can receive the one or more commands and implement the one or more rules selected by the user of the access card.

Abstract: A technology which is highly safe and furthermore highly convenient in personal authentications via a mobile terminal is provided. A terminal device 200 of the present invention includes: a position determining section 271 that determines a position of the terminal device 200 at predetermined time intervals, and accumulates the position as position information; a movement history generating section 272 that generates a movement history by using the position information accumulated in a predetermined period, and stores the movement history as movement history information; a registration processing section 276 that transmits, for registration, the movement history information to a personal authentication apparatus; and an authentication requesting section 279 that makes an authentication request to the personal authentication apparatus 310 by using the movement history information stored after the transmission by the registration processing section 276 to the personal authentication apparatus 310.

Abstract: Disclosed herein is a method of validating cash transactions at a cash validation server of a cash transaction validation system. The method comprises capturing a unique identifier of a banknote of a user; storing the unique identifier of the banknote against a user identity of the user in a database connected to the cash validation server; checking the unique identifier of the banknote against the user identity stored in the database when the banknote is received as tender for payment at a receiving Cash Processing Terminal (CPT); requesting an authorization from the user to release the banknote for payment; transmitting an accept banknote message to the receiving CPT when a successful authorization is received and transmitting a decline banknote message to the receiving CPT when a failed authorization is received.

Abstract: Systems and methods are provided for use in identifying synthetic party identities. One exemplary method includes receiving, at a computing device, a request from a relying party to assess validity of an identity presented by an asserting party in a network communication between the asserting party and the relying party, where the request includes identity data associated with the identity of the asserting party. The method also includes calculating, by the computing device, an assessment metric representative of the validity of the identity of the asserting party, where the assessment metric is based on at least one score derived from the identity data, and transmitting, by the computing device, the assessment metric to the relying party, whereby the relying party utilizes the assessment metric to determine whether or not to further interact with the asserting party in connection with the network communication.

Abstract: In an aspect, a method performed at a server includes: receiving an electronic message indicating an expected transfer, the message indicating at least a quantity of resources associated with the expected transfer and a value date associated with the expected transfer; detecting a trigger condition associated with the expected transfer; in response to detecting the trigger condition associated with the expected transfer, determining whether a transfer associated with the expected transfer has been made; and in response to determining that the expected transfer has not been made, providing a notification to a client device associated with a recipient of the expected transfer.

Abstract: Systems and techniques for facilitating card authentication technique selection via machine learning are provided. In various embodiments, a processor can access an attribute vector associated with a financial payment card. In various instances, the processor can determine, via execution of a machine learning model, whether to authenticate the financial payment card with a zero-dollar authentication technique or instead with a tokenization authentication technique, based on the attribute vector. In various cases, the processor can execute the zero-dollar authentication technique with respect to the financial payment card, when the processor determines that the financial payment card should be authenticated with the zero-dollar authentication technique.

Abstract: Systems, computer program products, and methods are described herein for identification and recordation of base components of a resource within a virtual medium. The present invention is configured to electronically receive, from a user input device, a request to generate a non-fungible token (NFT) for a first portion of a resource; in response, retrieve information associated with the first portion of the resource; initiate an NFT engine on the first portion of the resource; generate, using the NFT engine, an NFT for the first portion of the resource, wherein the NFT comprises at least the information associated with the first portion of the resource; record the NFT in a distributed ledger; and transmit control signals configured to cause the user input device to display a notification indicating that the NFT has been generated and recorded in the distributed ledger.

Abstract: A processing system may apply a binary classifier to detect whether a first data pattern of a first data source associated with a communication network performance indicator is consistent with prior data patterns of the first data source that are labeled as correct data patterns, determine, via the binary classifier, that the first data pattern is not consistent, apply a clustering model to a first input data set comprising the first data pattern and invalid data patterns of the first data source to obtain a first plurality of clusters, verify that the first data pattern is an invalid data pattern when the first plurality of clusters is the same as a second plurality of clusters generated by applying the clustering model to a second input data set comprising the invalid data patterns, and replace the first data source with a replacement data source as an active data source in response.

Abstract: A method is proposed for a payer, to make a payment to a payee, such as a merchant. The payer's communication device automatically acquires payment facilitation data comprising payee account identification data identifying a payment account associated with the payee and maintained by an acquirer. The payment facilitation data preferably also includes transaction data describing the payment, such as the amount of the payment. From the payment facilitation data, the communication device generates a payment request which is transmitted to an issuer at which the payer maintains a payment account. The issuer communicates with the acquirer, typically via a payment network, to arrange for a payment to be made, and the payment is credited to the payment account associated with the payee, and debited from the payment account associated with the payer. Thus, a payment is effected without the payee ever receiving confidential information about the payer's payment account.

Abstract: A computer-implemented method includes receiving a check deposit and a withdrawal request associated with an account of a customer where the account is associated with a first amount and where the withdrawal request comprises a second amount greater than the first amount, forwarding an inquiry message regarding the check deposit to a paying computing system where the inquiry message includes an identifier of the paying computing system that maintains an account of a payor in a paying database, determining real time account status information of the account of the payor where the real time account status information is based on accessing an organized data structure, and authorizing the withdrawal request for the second amount in real time relative to when the real time account status information is accessed where the authorization occurs prior to settlement of the check deposit.

Abstract: A method for pooling and retrieving block rewards in a reward pool including an operator node and a set of member nodes in a distributed network extending a proof-of-space-based blockchain includes: submitting a transaction configured to generate a singleton in a set of singletons, the singleton including: an outer puzzle hash linking the singleton to a singleton puzzle hash; and an inner puzzle hash defining a pool address associated with the reward pool; generating a block including a proof-of-space and a block reward allocated to the singleton puzzle hash; detecting the block reward allocated to the singleton puzzle hash; identifying the singleton linked to the singleton puzzle hash; and submitting a transaction configured to: remove the singleton from the set of singletons; and transfer the block reward from the singleton puzzle hash to the pool address.

Abstract: Described are techniques for training an image classifier using an augmentation loss function. The techniques including inputting corresponding pairs of a plurality of training images to an image classifier, where respective pairs of the corresponding pairs comprise at least two images having a same classification and different augmentations. The techniques further including training an artificial neural network of the image classifier to classify the plurality of training images using an augmentation loss function, wherein the augmentation loss function reduces differences in model outputs between the corresponding pairs of the plurality of training images.

Abstract: Systems and methods are provided for augmenting the services of SM-DP and SM-DP+ based mobile network systems. These systems and methods enable securing, in advance of arrival at the mobile network system, connectivity services (e.g., limited, short or one-time) or long-term subscription for eSIM/iSIM capable devices/machines. Such connectivity services may be purchased or booked in advance from a local or foreign network operator with service to be activated immediately or at a point in the future. For example, a traveler to a foreign country can pre-purchase (at the travel booking stage) mobile connectivity for use during upcoming travel to a foreign network. The corresponding service can be activated at the time/date of arrival for the selected period.

Abstract: A method for sharing resource identification includes receiving, at a lookup service, from a first application executing on a particular device associated with a user, a resource identifier (ID) request requesting the lookup service to provide the first application access to a resource ID that identifies the particular device. The method also includes determining, by the lookup service, whether the first application executing on the particular device is authorized to access the resource ID. When the first application is authorized to access the resource ID, the method includes obtaining, by the lookup service, the resource ID and transmitting, by the lookup service, to the first application executing on the particular device, the resource ID.

Abstract: Provided herein are method, apparatus, and computer program products for generating a first and second three dimensional interactive environment. The first three dimensional interactive environment may contain one or more engageable virtual interfaces that correspond to one or more items. Upon engagement with a virtual interface the second three dimensional interactive environment is produced to virtual simulation related to the one or more items.

Abstract: Systems and methods for using ring usage certificate extensions are described. Some implementations described limit the ability of signers using a ‘ring signature’ from using public key certificates to create the ring signatures without the permission of the creators of those respective public key certificates. An implementation may describe receiving a request to validate, receiving a plurality of digital certificates associated with the request to validate, determining the request to validate requires validation of a ring signature using the plurality of digital certificates, determining one or more of the plurality of digital certificates comprises a ring usage certificate extension, analyzing the ring usage certificate extension to retrieve a value associated with the ring usage certificate extension, and failing validation of the request based on determining the request to validate requires validation of the ring signature and based on the value associated with the ring usage certificate extension.

Abstract: Techniques for secure communication is provided. The techniques include requesting first smart contract execution by one or more nodes of the communication system to determine permissions for communication; performing communication based on the requested permissions; and requesting second smart contract execution by one or more nodes of the communication system to verify information associated with the communication.

Abstract: A method for detecting fraudulent interactions may include receiving interaction data, including a first plurality of interactions with (first) fraud labels and a second plurality of interactions (without fraud labels). Second fraud label data for each of the second plurality of interactions may be generated with a first neural network (e.g., classifying whether each interaction is fraudulent or not). Generated interaction data and generated fraud label data may be generated with a second neural network. Discrimination data for each of the second plurality of interactions and generated interactions may be generated with a third neural network (e.g., classifying whether the respective interaction is real or not). Error data may be determined based on the discrimination data (e.g., whether the respective interaction is correctly classified). At least one of the neural networks may be trained based on the error data. A system and computer program product are also disclosed.

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: A method for adjusting a hardware performance for high frequency trading is provided, which is performed by one or more processors, and includes receiving context information including at least one of a traffic of market data for one or more target items or a computational complexity of using a machine learning model performed based on the market data, determining whether or not to change a processing performance of the hardware based on the received context information, and changing a resource supplied to the hardware based on the determination result for changing the processing performance.

Abstract: Systems and methods for maintaining decentralized digital identities are disclosed. In an information processing apparatus for a relying party within a distributed ledger network and comprising at least one computer processor, a method for decentralized digital identity attestation verification may include: (1) receiving, from a relying party, an attestation verification request for a user; (2) retrieving a user decentralized identifier for the user; (3) retrieving an attestation issuer decentralized identifier for an attestation issuer; (4) validating the user decentralized identifier and the attestation issuer decentralized identifier; (5) verifying that the attestation has not been revoked; and (6) communicating that the attestation is valid to the relying party.

Abstract: Systems, methods, and apparatuses for authorizing a transaction using location based transaction authentication. The method includes receiving a transaction authorization request for a transaction; determining a location of the transaction; identifying an identity of a user associated with the transaction authorization request; determining a computing device associated with the identified user; determining a location of the determined computing device associated with the identified user; determining a distance between the location of the transaction and the location of the determined computing device; determining that additional authentication is required of the identified user based on the determined distance; prompting, the user for additional authentication information; receiving a response including additional information; and, authorizing the transaction based on the additional information matching stored additional authentication information.

Abstract: Aspects described herein may allow for authentication of smart card usage. A server may receive, from a first computing device associated with a first user, a delegation request to delegate an authority, to a second user, to use a secondary card associated with an account belonging to the first user. The first user may hold a primary card associated with the account and the delegation request comprises one or more limitations on the authority. The server may also receive, via a sensor on the secondary card, first biometric information associated with the second user. The server may authenticate subsequent transaction requests based on the first biometric information and one or more limitations. In this way, the system may provide account holders with the flexibility to authorize other users to use the account while minimizing the risk of being exposed to fraudulent requests.

Abstract: A chat bot can be coupled with a chat session, the chat session being hosted by a chat service to facilitate communication between chat application instances. The chat bot can simulate one of the plurality of chat application instances. A first chat text can be accessed via the chat bot, the first chat text provided via the chat session by a first chat application instance. A financial transaction can be determined from the first chat text. In response to determining that the financial transaction can be performed, a second chat text can be transmitted, via the chat bot, to the chat session. The second chat text can indicate to the first chat application instance that the financial transaction will be performed after expiration of a time-out period. In response to the expiration of the time-out period, the financial transaction can be performed.

Abstract: Systems and methods are provided to generate a user interface conveying subscriber behavior of subscribers within a membership platform. Exemplary implementations may: obtain subscribership information for content creators of a membership platform, the subscribership information characterizing subscribership of individual subscribers to individual ones of the content creators for individual intervals of time; determine, based on the subscribership information, values of a behavior attribute representing behavior of the individual ones of the subscribers with respect to the individual ones of the content creators for the individual ones of the intervals of time; effectuate presentation of a user interface based on the values of the behavior attribute; and/or perform other operations.

Abstract: Systems, computer program products, and methods are described herein for automatically generating resource distributions. The present invention may be configured to receive a text-based instruction and determine, based on the text-based instruction, a sender alias from which the text-based instruction was sent. The present invention may be configured to determine, based on user data in a user information data structure, a user associated with the sender alias, determine, based on user data associated with the user in the user information data structure and based on predicted distribution elements from a machine learning model, actual distribution elements, and generate, based on the actual distribution elements, a resource distribution.

Abstract: Systems and methods for identifying malicious digital wallet devices are provided. Exemplary embodiments may establish communication with a user device associated with a digital wallet application and determine a unique device identifier for the device. Risk data may then be obtained from one or more fraudulent activity databases and associated with the device identifier. The user device may then be identified as a malicious or non-malicious device based on a device score generated based on the risk data. Devices identified as malicious may then have their unique device identifier stored on a malicious device database.

Abstract: Methods and systems disclosed herein relate to providing a receiving entity with a package of assertions. A package of assertions may include a group of yes or no statements (e.g., as an answer to a question). Alternatively, or additionally, a package of assertions may comprise a clustered assertion, which is a singular yes or no statement, that is itself based on a set of underlying assertions made using information from one or more sources. A particular type of package of assertions may be selected based on the relying entity requesting the assertions, based on an assertions model. The package of assertions may be cryptographically secured.

Abstract: A method for establishing an index of usability associated with a replacement payment card is provided. The method may include receiving a payment card replacement request in a vending facility. The method may further include identifying at least one possible risk factor associated with a user utilizing the replacement payment card. The method may also include creating a risk assessment based on the at least one identified possible risk factor. The method may further include establishing an index of usability for the replacement payment card based on the created assessment, whereby a value of the index of usability correlates to a plurality of restrictions placed on using the replacement payment card. The method may also include storing the established index of usability in a database.

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: An apparatus for security management of a plurality of interactions comprises a processor operable to receive a plurality of interactions, where each interaction comprises interaction information associated with one of one or more users and a first entity. The processor is operable to determine a threshold value of the plurality of interactions and a threshold volume of the plurality of interactions, determine that a value of each of the plurality of interactions has not exceeded the threshold value of the plurality of interactions, and determine that the plurality of interactions has not exceeded the threshold volume of the plurality of interactions. The processor is operable to determine a number of instances of the plurality of interactions that were invalid, determine that the number of instances of the plurality of interactions that were invalid exceeds a threshold, and determine that the first entity is associated with suspicious indicators.

Abstract: A method and system for generating a behavior profile for a new entity to be added to a behavior-monitored system include receiving feature data of a new entity and feature data of a plurality of pre-existing entities from at least one data source. The plurality of pre-existing entities are associated with a plurality of pre-existing behavior profiles. A doppelganger behavior profile is determined for the new entity based at least partially on the feature data of the new entity and the feature data of the plurality of pre-existing entities, and the doppelganger behavior profile is assigned to the new entity. A target action is implemented with respect to the new entity based at least partially on the doppelganger behavior profile assigned to the new entity.

Abstract: The disclosed technology provides a system and a computer implemented method for crisis state detection and intervention of a person or group of persons, the method comprising: providing a computer system designed to detect and intervene non-normal, elevated crisis operating states; using one or more sensors that ascertains a crisis state via physical, behavioral, or cognitive indicators; deducing, with computational hardware, the operational state of a user or users from one or more sensors; and administering an immediate, dual intervention of a sensory form to de-escalate the crisis operating state of a person or group of persons.

Abstract: A method, system, and computer program product is provided for generating digital receipts. The method includes receiving, through a first communication channel, a transaction request message from a merchant system for a transaction between a consumer and the merchant system using an account identifier, assigning a transaction identifier to the transaction, storing the first transaction data in association with the transaction identifier in at least one data storage device, receiving, through a second communication channel, digital receipt data comprising a digital receipt object and second transaction data, processing the transaction using the account identifier, determining the transaction identifier based on the second transaction data by matching the second transaction data to the first transaction data in the at least one data storage device, and storing the digital receipt object in association with the transaction identifier in the at least one data storage device or at least one other storage device.

Abstract: Disclosed are methods, systems, and devices for identifying anomalous and/or problematic payments based on past payment patterns of a user, past experiences with the user, and the user's circumstances, and implementing intervention mechanisms for proactively resolving account issues before downstream impacts, such as collections calls, inbound calls, and complaints. Anomalous payments may be detected using clustering and prediction. Interventions may include phone calls, emails, notifications, etc. An alert or notification may be sent to the user's mobile application, and various selectable response options suited to the situation may be presented to the user.

Abstract: The referral system described herein can give users the ability to recommend a vendor (such as, e.g., a company or a service provider) to another user via electronic sharing of a dynamically generated code when one or more pre-established conditions have been met, such as when the vendor has submitted a qualifying offer to the referral system and the user is verified to have previously utilized the referral system to redeem a prior offer of the given vendor.

Abstract: A transaction system can include a computing device with a communication port, a processor device, and a non-transitory computer-readable storage memory. The communication port can communicate data with other computing devices. The non-transitory computer-readable storage memory includes code that is executable by the processor device to perform operations. The operations include receiving parameters of a transfer, verifying the transfer using a multi-factor authentication process, in response to verifying the transfer, using a private key to countersign the transfer and return, via the communications port, a signed transfer package for execution of the transfer, and providing, via the communications port, the parameters of the transfer and countersign data to an immutable ledger.

Abstract: Systems and methods for use in identifying payment accounts to segments are provided. One exemplary method includes receiving a first indicator for a first location from a communication device, where the communication device is associated with a consumer and the consumer is associated with a payment account issued to the consumer by an issuer. The method also includes appending, by a computing device, the payment account to a first segment based on the first location indicator, and causing at least one rule associated with the payment account to be modified where the at least one rule relates to authorization of transactions in a first region including the first location.

Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can detect fraudulent transactions before the transactions have been posted to the financial account. The system can also be used to provide real time notifications to customers about potential fraudulent activity.

Abstract: A method for recording chargebacks in blockchain transactions includes: storing a blockchain comprised of a plurality of blocks, each block being comprised of a block header and data values, where each data value includes a unique transaction identifier and data corresponding to a processed payment transaction; receiving a chargeback request including a specific transaction identifier corresponding to a unique transaction identifier included in a data value in the blockchain; generating a first transaction data value comprising the specific transaction identifier, a first new unique transaction identifier, and data indicating that a chargeback is requested for the corresponding payment transaction; transmitting the first transaction data value to a blockchain node; generating a second transaction data value comprising the specific transaction identifier, a second new unique transaction identifier, and data indicating a resolution for the chargeback for the corresponding payment transaction; and transmitting t

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: Methods and systems for performing on demand access transactions are disclosed. In one example, the method includes receiving, by a directory service computer from an authorizing computer, a file including a primary access identifiers and virtual access identifiers, the virtual access identifiers not being capable of being used at resource providers to conduct transactions. The method also includes receiving a request to provide an access token that is associated with an account, the request comprising information that identifies the account. The method further includes retrieving a virtual access identifier based on the identifying information; and requesting, by the directory service computer to a token service computer, that the access token be provisioned on the user device or an application computer associated with an application on the user device.

Abstract: A method, system, apparatus and computer program product are disclosed for enhancing operable functionality of xAPI statements by sequentially comparing a plurality of authorized xAPI statements against a plurality of trigger rules with a pattern matching process which evaluates matching xAPI data properties and logical and/or comparative operator requirements from each trigger rule against each authorized xAPI statement to identify matching trigger rules which are evaluated against one or more required trigger rules associated with a first trigger to automatically generate one or more outbound REST API calls to communicate with a third-party application upon detecting that the all the required trigger rules associated with the first trigger are matched by an actor.

Abstract: A smart device is provided between a transaction terminal (e.g. an access device, a point of sale terminal) and a payment card to facilitate a secure transaction. The smart device receives transaction details from the transaction terminal. The transaction terminal suspends the transaction. The smart device is brought in communication with a payment device in control of the user (e.g. the user of the payment device does not hand over the payment device to a merchant, clerk, waitstaff). The smart device receives a cryptogram identifying an account from the payment device and transmits the cryptogram to the transaction terminal. The transaction terminal resumes the transaction, generates a transaction authorization request message including the cryptogram, and transmits the transaction authorization request message to an issuer of the account. The transaction terminal receives an authorization response message from the issuer, and notifies the smart device of the transaction being approved or declined.

Abstract: Systems, methods, and computer program products for dynamic passcode communication use a merchant application installed on a user device that receives transaction data associated with a transaction at a merchant system. The transaction data may include an account identifier associated with an account at an issuer system. The merchant application determines, based on the account identifier, whether an issuer application associated with the issuer system is installed on the user device. In response to determining that the issuer application is installed on the user device, the merchant application transmits, to the issuer application, a request for a dynamic passcode. The merchant application receives, from the issuer application, the dynamic passcode and transmits, to the issuer system, an authorization request including the account identifier and the dynamic passcode. The merchant application receives, from the issuer system, an authorization response authorizing or denying the transaction.

Abstract: A browser executing on a computer terminal associated with a merchant receives a payment request for a purchase by a customer from the merchant. The computer terminal transmits, over a communications network to a mobile communication device associated with the customer, a push notification including the payment request and a set of instructions. The payment request indicates an identifier and amount of the purchase. The set of instructions causes the mobile communication device to activate a card reader using a mobile payment app, present the purchase amount to the customer on a touch-sensitive display of the mobile computing device, receive an acceptance of the purchase amount from the customer via the touch-sensitive display, and authorize the card reader to process payment for the purchase amount based on the acceptance. The computer terminal receives, over the communications network, a confirmation of the processed payment from the mobile computing device.

Abstract: A smart glasses device for initiating a transaction between a first smart card and a second smart card is provided. The smart glasses device may include a camera operable to capture an image of the first smart card and of the second smart card. The smart glasses device may include a display operable to trigger an augmented reality display including a first selectable image of the first smart card and a second selectable image of the second smart card. The camera may further capture a series of motions corresponding to a numerical value inputted in an augmented fillable field, a selection of the second selectable image of the second smart card, and a movement dragging the selected second selectable image from a first location to a second location positioned on top of the first selectable image of the first smart card. The positioning automatically triggering an initiation of the transaction.