Abstract: Systems and methods are disclosed for associating a player identifier with a stored value account. The stored value account can holds funds that are accessible through the player's use of a stored value payment vehicle. The stored value payment vehicle can be a reloadable stored value payment vehicle or a non-reloadable stored value payment vehicle. Information associated with transactions using the stored value payment vehicle can be used for player relationship purposes.

Abstract: In an example embodiment, a system is described for customizing user accounts based on user actions, which may include receiving, via a user device, a first user input requesting to create an account for a user. The system may further receive, via the user device, a second user input selecting an account type for the account from a plurality of account types. In response to these user inputs, the system may retrieve, from a server, one or more account requirements for the account type, determine that the user meets the one or more account requirements and create an account in response to determining that the user meets the one or more account requirements.

Abstract: A virtual reality vehicle and/or equipment training system and platform within contextually relevant simulated environments. The system and platform simulates accurate vehicle and/or equipment dynamics of various vehicles through vehicle modules. The simulated vehicles and/or equipment are placed within contextually relevant simulated physical environments, and communicate with other vehicle modules and users of the platform. The system and platform allows for multiple simulated vehicles and/or equipment to exist and interact in the same simulated physical environment. The system allows for rapid development of trainers for different vehicles, different equipment, different physical environments, and different scenarios. The characteristics of the system which most directly enable this rapid development are the use of commodity computer hardware, use of common interface-deployment toolkits, and use of a data-driven architecture where participating modules are generic until being configured at runtime.

Abstract: Embodiments provide methods and systems for merchant data cleansing in payment network. Method performed by server system includes accessing electronic payment transaction records from transaction database. Each electronic payment transaction record includes merchant data fields. Method includes determining set of electronic payment transaction records with ambiguous merchant data fields having matching probability scores less than predetermined threshold value computed by probabilistic matching model and identifying at least one issue for non-matching of each of set of electronic payment transaction records. Method includes determining data model based on at least one issue of each of set of electronic payment transaction records. Data model is one of: phone-to-city model, payment aggregator model, and merchant name normalization model.

Abstract: A method may include extracting, from a transaction, a routing transit number (RTN) and an account number, embedding the RTN to obtain an RTN vector, embedding the account number to obtain an account number matrix, combining, using a trained machine learning model, the RTN vector and the account number matrix to obtain a combined matrix, and classifying the account number as invalid. The classifying may include applying the trained machine learning model to the combined matrix.

Abstract: A device for communication with a terminal. The device comprises: a communication unit for communicating with the terminal; a biometric unit comprising a biometric sensor for sensing biometric data; contacts for connecting the device to the terminal; a first physical interface between the biometric unit and the contacts configured to enable contact communication between the biometric unit and the terminal; and a second physical interface between the communication unit and the biometric unit configured to enable contact communication between the communication unit and the biometric unit. The device is configured such that all contact communications between the terminal and the communication unit are routed through the biometric unit via the first and second physical interfaces.

Abstract: A system and method for tracking physical environment performance may include a label printer configured to print labels comprising a machine readable code, wherein the machine readable code contains item information associated with an item. The system may include production channels and scanners associated with the production channels; the scanner located at a first physical location of the physical environment and configured to scan the machine readable code. The system may obtain input data indicative of the production of the item and may determine performance data based on the input data. The system may cause implementation and/or execution of machines based on the performance data.

Abstract: The present invention discloses a disruptive low capital and operational cost logistics system and method that provides for fast and massive delivery of e-commerce merchandise, including same day delivery, of thousands of items and packages, in extensive geographical areas, such as whole states, countries and continents, reducing the need for building, operating, or using multiple fulfillment warehouses located near the consumers as in traditional e-commerce logistics, creating a revolution in the e-commerce industry worldwide. In a disruptive manner, the systems and methods of the present invention facilitate the logistics for e-commerce delivery processes, and also may allow at the same time reducing the use of massive quantities of cardboard packages that are used for protection and containment for e-commerce orders, being sustainably beneficial for the e-commerce market, the environment, and the consumer.

Abstract: A computer-implemented method for client-side identity verification may include (1) receiving, via an endpoint computing device, input from a user that includes biometric data of the user captured by a sensor of the endpoint computing device and visual data of a physical identification document that includes a record of the biometric data, (2) verifying, by the endpoint computing device, that the biometric data captured by the sensor of the endpoint computing device matches the record of the biometric data in the physical identification document, and (3) transmitting, to a server, a verification that the user has been identified while preventing the biometric data from being included in the verification sent to the server. Various other methods, systems, and computer-readable media are also disclosed.

Abstract: A server can include an application programming interface that can determine a data system, among a first financial account data system and a second financial account data system, with which to execute a requested function received via a common user interface. The requested function can be caused to be executed using the data system and the first process or the second process. The operations also include providing a result from execution of the requested function to be outputted for display via the common user interface. The common user interface can provide integrated labeling for receiving data to allow requested functions to be executed using different processes associated with the first financial account data system and the second financial account data system using the integrated labeling.

Abstract: A method and system of providing users with session-specific layouts during access of an application based on contextual data. The system identifies contextual data for each application access session and associates the contextual data with a particular in-app activity. The in-app activity corresponds to a task that is typically performed by the first user when the specific contextual data is detected. The contextual data can include location data, time and date data, and device type data.

Abstract: A loyalty switch for examining loyalty messages and routing the loyalty messages to one or more loyalty hosts and examining responses and routing the responses back to stores. Such a switch has configurable number of selector handlers pool, and the switch accepts a connection from stores and reads loyalty host information from master data to establish the connection with a loyalty host and to route messages. Each selector handler in the switch has multiple store objects that contain a routing map and connection information from companies' sites and the loyalty host.

Abstract: A fraud detection platform may receive transaction data relating to a transaction conducted by a user with a transaction card. The fraud detection platform may receive, from a biometric sensor of the transaction card, biometric data relating to one or more biometric characteristics of the user during the transaction. The fraud detection platform may receive, from an accelerometer of the transaction card, card movement data relating to a measure of shaking of the transaction card by the user during the transaction. The fraud detection platform may process the transaction data, the biometric data, and the card movement data, with a fraud detection model, to determine a fraud score associated with the transaction. The fraud detection platform may perform one or more actions based on the fraud score.

Abstract: A system for tracing members of an animal population throughout a process including moving at least some of the members between a plurality of physically separate locations, the system comprising: a plurality of identification devices, each being attached to, and uniquely identifying, a respective member of the members; a plurality of identification device readers, each capable of being located at a respective physically separate location of the physically separate locations, and each capable of reading the identification devices to uniquely identify the respective member; a data repository comprising one or more records, each of the records (i) being associated with a respective member of the members, and (ii) including a unique animal identifier associated with the identification device attached to the respective member of the members; and a processing circuitry configured to perform a process for storing location change records indicative of location changes of the members during the process.

Abstract: A payment card benefit assessment system and method includes a computing device accepting payment card benefit catalog information from a payment card issuer and payment card transaction data from a payment card processing network. The payment card transaction data is analyzed to group cardholders into one demographic clusters and to determine an estimated benefit value for each of the demographic clusters. Individualized payment card benefit options are presented to an individual cardholder based on the individual cardholder's payment card transactions and the determined estimated benefit value for a corresponding one of the plurality of demographic clusters.

Abstract: An identification validation system and method may include detecting that a first age restricted item has been selected for purchase at a first point of sale by a user, determining that an age validation is not enabled, requiring that the user submit an identification instrument to verify an age of the user, after the purchase is complete, prompting the user to enable the age validation feature of the mobile wallet application of the user mobile device, directing a software application loaded on the user mobile device to access at least one biometric data input functionality of the user mobile device to capture the at least one biometric of the user, and comparing biometric features of the user captured by at least one camera.

Abstract: Point of sale (POS) devices, systems, and methods disclosed herein enable payments by merchants to non-customers, such as to employees of the merchant. A point of sale system of the merchant determines an amount of a payment to be made by the merchant to the employee. The point of sale system transmits payment instructions for executing the payment to a payment system provider computing system. The funds are made available in a bank account of the employee instantly or near instantly.

Abstract: Provided is a system, method, and apparatus for generating analytics with structured query files. The method includes the steps of generating at least one graphical user interface configured to receive query parameters from a user for querying transaction data, generating a request file based on the query parameters, the request file including a request definition object and a segment object, processing the request file to query at least one transactional database based at least partially on the request file, and generating a response file including transaction data based on a return from the query of the at least one database, the response file structured based on the request definition object from the request file.

Abstract: For communicating between an Internet of Things (IoT) device and a remote computer system, the IoT device may transmit an upload data message via a close range communication circuit to a mobile communication device, for forwarding to the remote computer system. The remote computer system may receive the upload data message via a mobile radio communication network and store an address of the mobile communication device, as a communication relay address for the IoT device. The remote computer system may transmit a download data message via the mobile radio communication network to the communication relay address, for forwarding to the IoT device. The IoT device may receive the download data message from the remote computer system, as forwarded by the mobile communication device via the close range communication circuit.

Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that perform a real-time delegated approval of initiated data exchanges by network-connected devices. For example, an apparatus determines determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange, and generates and transmits a first signal to a communications device associated with a second data type available for use in the data exchange and associated with the first data type. The apparatus receives, from the communications device, a second signal that includes information indicative of an approval of the second data type for use in the data exchange, and in response to the received approval, the apparatus performs the data exchange using the second data type and in accordance with the parameter value.

Abstract: The present invention discloses a disruptive low capital and operational cost logistics system and method that provides for fast and massive delivery of e-commerce merchandise, including same day delivery, of thousands of items and packages, in extensive geographical areas, such as whole states, countries and continents, reducing the need for building, operating, or using multiple fulfillment warehouses located near the consumers as in traditional e-commerce logistics, creating a revolution in the e-commerce industry worldwide. In a disruptive manner, the systems and methods of the present invention facilitate the logistics for e-commerce delivery processes, and also may allow at the same time reducing the use of massive quantities of cardboard packages that are used for protection and containment for e-commerce orders, being sustainably beneficial for the e-commerce market, the environment, and the consumer.

Abstract: Disclosed are systems, methods, and apparatus of an automated and self-service kiosk that allows customers to select inventory items available from the kiosk and walk or move away with selected inventory item(s) without having to process payment, identify the inventory item(s), or provide any other form of checkout. After a customer has picked one or more items and departed the kiosk, the picked items are determined and the customer charged for the items. For example, one or more of detected weight changes measured at the kiosk and/or images generated at the kiosk may be used to identify items picked by the customer from the kiosk.

Abstract: A radio frequency identification (RFID) automatic vehicle identification (AVI) system configured to mitigate signal interference, the system comprising a plurality of RFID readers, comprising a first RFID reader and a second RFID reader; and a plurality of antennas, wherein a first antenna is connected to the first RFID reader and a second antenna is connected to the second RFID reader. Prior to the first RFID reader transmitting a signal through the first antenna, the first RFID reader samples a received radio frequency (RF) signal from the first antenna, and if the received RF signal meets predetermined strength and frequency criteria, the first RFID reader inhibits transmission of the signal through the first antenna.

Abstract: An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device an applet configured to generate a digital tag; receiving a request at the first device for information; configuring the digital tag to be associated with at least one of (i) an application or (ii) an input on a second device, such that receipt of the digital tag by a second device causes the application to launch on the second device; and emitting from the first device a digital tag.

Abstract: An apparatus, including a transaction terminal including an input device or receiver which inputs or receives information regarding an account and transaction information, a camera or video recording device which obtains or records a photograph or video clip of an individual involved in the transaction, and a processor, and a central processing computer including a database and a display which displays information or data to a user or operator. The apparatus transmits a notification message to a communication device associated with an account holder of the account. The central processing computer provides for a retrieval, by the user or the operator via the display, of the information regarding the transaction and the photograph or the video clip of the individual involved in the transaction.

Abstract: A computer-implemented method for processing test financial transactions that includes accessing, via a remote-control server, transaction data corresponding to a test run. The transaction data is transmitted via the remote-control server and received at a mobile application API of an electronic device. The transaction data is passed to a payment application of the electronic device. A cryptogram corresponding to the transaction data is generated via the payment application and transmitted for submission to a payment network. A transaction response corresponding to the test run is received at the remote-control server.

Abstract: A biometric sensor module for detecting a biometric feature of a user comprises: a biometric sensor comprising an array of sensing elements for acquiring sensing signals indicative of a biometric feature of a user, the array of sensing elements arranged facing towards a front side of the biometric sensor. Further, the biometric sensor module comprises a bottom flexible film attached to a back side, opposite the front side, of the biometric sensor. The bottom flexible film can carry at least one electrically conductive line electrically connectable to the biometric sensor and electrically connectable to an external electrical circuit. The biometric sensor module further comprises a top film attached to the biometric sensor closer to the front side of the biometric sensor than the bottom flexible film. The flexible film includes a bent portion such that the flexible film is bent towards the top film.

Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.

Abstract: Systems and methods are disclosed for associating a player identifier with a financial account. The financial account can holds funds that are accessible through the player's use of a payment vehicle. Information associated with transactions using the payment vehicle can be used for player relationship purposes.

Abstract: Systems, methods, apparatuses, and computer-readable media for secure management of accounts on display devices using a contactless card. An application executing on a display device may receive a request specifying a service provider. The display device may receive a cryptogram generated a contactless card, and transmit the cryptogram to an authentication server. The authentication server may decrypt the cryptogram and generate a virtual account number associated with the contactless card. The authentication server may transmit the virtual account number to the service provider, which may create an account based at least in part on the virtual account number and the decryption of the cryptogram by the authentication server. The display may receive an authentication token generated by the service provider for the account, and access the account created by the service provider based at least in part on the authentication token.

Abstract: Embodiments described herein provide for a fraud detection engine for detecting various types of fraud at a call center and a fraud importance engine for tailoring the fraud detection operations to relative importance of fraud events. Fraud importance engine determines which fraud events are comparative more important than others. The fraud detection engine comprises machine-learning models that consume contact data and fraud importance information for various anti-fraud processes. The fraud importance engine calculates importance scores for fraud events based on user-customized attributes, such as fraud-type or fraud activity. The fraud importance scores are used in various processes, such as model training, model selection, and selecting weights or hyper-parameters for the ML models, among others. The fraud detection engine uses the importance scores to prioritize fraud alerts for review.

Abstract: An information processing apparatus includes a first image receiver configured to receive a first image captured by an imaging apparatus in which a user of an electronic device and the electronic device are captured; a first user identifier configured to identify a first user from the first image; a usage information receiver configured to receive, from the electronic device, usage information based on an operation of the first user identified by the first user identifier; a second image receiver configured to receive a second image captured by the imaging apparatus in which a settlement apparatus and a second user capable of using the settlement apparatus are captured; a second user identifier configured to identify the second user from the second image; and a usage information transmitter configured to transmit the usage information to the settlement apparatus, based on the identified first user and the identified second user.

Abstract: Systems and methods related to point-of-sale devices are disclosed. In an embodiment, a point-of-sale system includes a base stand having a receiving interface that includes first electrical contacts. The POS system may further include a computing device having a user interface, a docking interface comprising second electrical contacts, wherein the docking interface is configured to removably dock the computing device to the receiving interface of the base stand such that the first electrical contacts of the computing device are in contact with the second electrical contacts of the base stand. The computing device may further include a card reader configured to receive and read a card when inserted into the card reader and a scanner configured to scan machine-readable codes. The computing device may be configured to extend or enable various functions of the base stand when the computing device is docked to the base stand.

Abstract: The information processing apparatus includes a display. The information processing apparatus accepts user operations via a GUI (graphical user interface) displayed on the display. When the service ends, the forgotten item notification screen is displayed on the display. In the forgotten item notification screen, a forgotten item reminder unit is provided for reminding a user who left behind a reminder target item, including the property of the user used in connection with the service. An individual reminder section is provided in a forgotten item reminder unit, to give an individual reminder to prevent the occurrence of leaving behind of each reminder target item, for a first-type item for which retrieval cannot be detected and a second-type item for which retrieval can be detected but which has not been retrieved, from among the reminder target items.

Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include using a limited-use key (LUK) to generate a transaction cryptogram, and transmitting a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The token and the transaction cryptogram can be transmitted to a magnetic stripe reader by generating an emulated magnetic signal. The LUK may be associated with a set of one or more limited-use thresholds that limits usage of the LUK, and the transaction can be authorized based on at least whether usage of the LUK has exceeded the set of one or more limited-use thresholds.

Abstract: The present application discloses a method and an apparatus for migrating payment card, an electronic device, a server and a medium. The method for migrating payment card includes: receiving payment card migration operation after an account is logged in on the first electronic device; displaying, in response to payment card migration operation, at least one device identifier which is an identifier of a target electronic device on which the account had been logged in; receiving a first selecting operation for a target device identifier of the at least one device identifier; and sending, in response to the first selecting operation, the target device identifier to a server, to cause the server to migrate a payment card bound to a second electronic device to the first electronic device, wherein the second electronic device is an electronic device corresponding to the target device identifier of at least one target electronic device.

Abstract: An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device an applet configured to generate a digital tag; receiving a request at the first device for information; configuring the digital tag to be associated with at least one of (i) an application or (ii) an input on a second device, such that receipt of the digital tag by a second device causes the application to launch on the second device; and emitting from the first device a digital tag.

Abstract: Aspects of the disclosure relate to geocoding geocode datasets in KYC blockchain data blocks for spatial analytical risk modeling. In some embodiments, a computing platform may receive a client request to initiate a transaction with an enterprise organization. Using financial documentation and identification documentation associated with the client request, the computing platform may generate geocode coordinates and may identify a series of geographic risk factors. The computing platform may translate the geocode coordinates and the geographic risk factors into analytical overlays. The computing platform may stack the analytical overlays to generate an interactive spatial risk analysis model. The enterprise organization may use the interactive spatial analytical risk model to analyze the client request, and to determine whether to approve or deny the client request.

Abstract: An application on a mobile device is informed of a relative position of each of a plurality of security devices within a building space by placing an icon for each of the plurality of security devices at a location on a floor plan that corresponds to the physical location of the corresponding security device. A scannable code encoding configuration information for the particular security device is scanned and saved using the mobile device. Additional configuration information for the particular security device is received from a user and is saved. These steps are repeated for each of the plurality of security devices. The saved first and second configuration information for each of the plurality of security devices are uploaded to a remote server and the building control system is operated using the uploaded first and second configuration information.

Abstract: A fixed retail scanner and related methods comprises imagers configured to capture image data, and a processor operably coupled to the imagers. The processor configured to provide image data from at least some of the imagers in real-time during a transaction to a decoder within the data reader for decoding an optical code on an object within the image data, generate annotations for the image data based on an analysis of image content of the image data to generate annotated image data, and provide the annotated image data from at least some of the imagers to an external system in real-time during the transaction.

Abstract: A watch can include a watch body and a band for securing the watch to the user. The watch body can detect an identification of the band or combination of band portions, which can serve as an input to initiate actions performed by the watch body. For example, a type, model, color, size, or other characteristic of a band can be determined and used to select a corresponding action performed by the watch body. Identification of the band can be performed by components of the watch body that also serve other purposes. The watch body can respond to the identification of a particular band by performing particular functions, such as changing an aspect of a user interface or altering settings of the watch body.

Abstract: Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

Abstract: The described financial institution computing system provides services to customers through an application programming interface (“API”). The services include user identification services to customers. The user identification services allow the customers to verify the identity of users as non-fraudulent users. Further the user identification services allow the financial institution to provide known user information to the customers for purposes of prepopulating registration forms, completing transactions, and the like. Further services, such as user account validation services, payment services, and the like are also possible through the financial institution APIs. In some situations, users are registered with the financial institution. For example, a user may also be an account holder with the financial institution. In other situations, the users are not registered with the financial institution.

Abstract: Provided are approaches for providing multiple user accounts in a same transaction card assembly. The transaction card assembly may include a first card including a first card first side opposite a first card second side, the first card first side including a first pair of magnetic stripes and the first card second side including a first pair of identification chips. The transaction card assembly may further include a second card coupled to the first card, the second card including a second card first side opposite a second card second side, the second card first side including a second pair of magnetic stripes, and the second card second side including a second pair of identification chips. The first and second cards are slidable relative to one another between multiple positions to selectively expose and cover each identification chip of the first and second pairs of identification chips.

Abstract: In one embodiment, a luggage article (100) is disclosed. The luggage article (100) includes a shell (102) with forming an internal storage volume (166). A recess (140) is formed in the shell (102) and includes a base wall (152) that defines a substantially planar surface (142), and a first peripheral wall (144) that at least partially surrounds the base wall (152) and forms a peripheral shape (146) in the shell (102). The luggage article (100) includes an identification tag assembly (112) including: a display body (122) defining a second peripheral shape (150) and configured to receive an information element (128) configured to display information (164), and a first attachment element (130); a second attachment element (132) coupled to the shell (102) proximate to the recess (140). The first attachment element (130) and the second attachment element (132) together releasably secure the display body (122) to the shell (102) in the recess (140).

Abstract: In a transaction between a merchant and a payer, approval of the transaction may be provided by a payment processing system using authentication information provided from a mobile device of the payer. The authentication information may include a location of the payer mobile device which may be compared to a location of a merchant payment device such that the transaction is approved if the payer mobile device is within a defined distance of the merchant payment device.

Abstract: This application relates to a boarding pass processing device. In one aspect, the device includes a communication unit for communicating with a central server and a boarding pass recognition unit for recognizing a boarding pass held by a passenger. The device may also include a boarding processing unit for, if procedure information relating to whether a passenger holding a boarding pass recognized by the boarding pass recognition unit has gone through a procedure required for boarding an airplane is obtained from the central server through the communication unit, processing whether or not the passenger holding the recognized boarding pass has boarded the airplane, on the basis of the obtained procedure information.

Abstract: An offline transaction is conducted using a primary electronic device or a secondary electronic device communicatively coupled to the primary electronic device. A geographical zone where Internet connectivity is unreliable is determined for the primary electronic device. A detection is made that the primary electronic device is about to enter the geographical zone. In response to the detecting, an amount of funds is made electronically available offline for the primary electronic device. An offline electronic transaction is conducted using the primary electronic device based on the amount of funds. The offline electronic transaction is conducted within the geographical zone.

Abstract: A method of controlling an electronic device including a memory and a removable smart card. The method involves the device sending a request for context data to the smart card. The smart card sends context data to the device in response to the request and stores this data in the memory and power to the smart card is reduced. Power to the smart card is then increased or restored, and the data is written back to the smart card.

Abstract: A contactless card useful for adjusting the operation, configuration, and/or performance of a secondary device is described. The contactless card is equipped with a communication interface which allows the contactless card to transmit information to the secondary device using NFC signals. The contactless card stores accommodation information related to a physical accommodation desired by the user and transmits that information in the form of an accommodation message to the secondary device after being placed in a NFC field generated by the secondary device. In some embodiments, the contactless card requests an authentication certificate in order to determine a degree of trust prior to sending an accommodation message. In some embodiments, the contactless card may adjust what accommodation information is included in the accommodation message based on the authentication certificate received from the secondary device.