Systems, methods, and machine-readable media are provided to facilitate adaptive security and cooperative multi-system operations in conformance with dynamic protocols. An implementation of the protocol that includes parameter constraints mapped to the defined event may be generated, defining an operation flow in response to detection of a defined event at a remote system and transforming the protocol into an executable process that applies to at least one remote system. References to metadata specifications may be transmitted that include specifications of interface elements and cause interface configuring in accordance with the specifications. Upon determination that responses satisfy the parameter constraints, access to a resource may be controlled in accordance with the protocol, or, upon determination that the responses fail to satisfy the parameter constraints, an alert may be transmitted that is indicative of at least one of the references and/or additional references to second metadata specifications.
Techniques and systems for optimizing and cleaning rules for network-based authentication transactions are provided herein. A network-based authentication system may determine a plurality of rules that were previously used to evaluate a plurality of transactions. The network-based authentication system may also generate a false positive rate for one or more of the plurality of rules, A cleaning coefficient for a first rule of the plurality of rules may be generated by the network-based authentication system. Based on the cleaning coefficient and the false positive rate, the network-based authentication system may identify one or more rules from the plurality of rules to eliminate from the plurality of rules. The network-based authentication system may eliminate the one or more rules to generate a modified set of rules. Using the modified set of rules, the network-based authentication system may authenticate a network transaction.
Systems, methods, and machine-readable media facilitate adaptive multi-system operations. Electronic communications from resource-controlling systems and/or monitoring devices may be monitored to identify signals corresponding to processes performed by the resource-controlling systems, resource capacities of resources controlled by the resource-controlling systems, and states of the resource-controlling systems. System interactions that correspond to a defined event may be detected. A protocol that includes parameter constraints mapped to the defined event identified. Operating conditions of the resource-controlling systems and/or metrics of processes performed may be determined based on the monitoring. A subset of the resource-controlling systems may be identified as a function of the operating conditions and/or the metrics. A resource-controlling system may be caused to allocate corresponding resources and perform the processes in accordance with the protocol.
Techniques and systems for detecting malicious activity within a network are provided herein. A method for detecting malicious activity within a network may include receiving, by a network-based authentication system, a network transaction. The network-based authentication system may identify a first attribute of the network transaction. The method may also include selecting, by the network-based authentication system, a first learning statistical model and a second learning statistical model from a plurality of models for handling the network transaction. Each of the first learning statistical model and the second learning statistical model may create a likelihood that the network transaction is authentic. The first learning statistical model may calculate a first score and the second learning statistical score may calculate a second score. Based on a comparison of the first score to a first threshold and the second score to a second threshold, the network transaction may be authenticated.
Techniques and systems for determining a malicious derivative entity within a network are provided herein. A method for determining a malicious derivative entity may include receiving, by a network-based authentication system, a plurality of network transactions. A first attribute of a network transaction within the plurality of network transactions may be identified. The method may also include identifying a plurality of entities for the first attribute. The network-based authentication system may generate a first visual representation of a relationship between the first attribute and the plurality of derivative entities. Each of the derivative entities and the first attribute may be represented as nodes within the first visual representation. A first score for each of the nodes may be determined based on a degree of centrality of the nodes within the first visual representation. One network transaction may be blocked based on at least one node exceeding a first threshold.
Systems and methods for identifying and mitigating non-compliances include determining an agent location of a money service business for review, obtaining a photograph and geographic coordinates of the agent location, and collecting field data at the agent location through a mobile application. Such information are sent from the mobile application to a central server of a third party vendor for a series of quality checks and stored at the central server. Such information may be used for further corrective action against the agent location reviewed.
A method for identifying a funds transfer opportunity in an electronic media accessed by a mobile device may include monitoring the electronic media for the funds transfer opportunity, identifying the funds transfer opportunity in the electronic media, and outputting indication for the funds transfer opportunity in the electronic media. The method may further include receiving confirmation to instantiate a funds transfer based on the indicated funds transfer opportunity on the mobile device and instantiating the funds transfer based on the received confirmation.
Embodiments described herein relate generally to network-based threat detection mechanisms. Specifically, embodiments described herein describe a communication mechanism that filters (e.g., allows or blocks) received communications according to an iterative security list.
Systems, methods, and machine-readable media are provided to facilitate adaptive security and cooperative multi-system operations in conformance with dynamic protocols. An implementation of the protocol that includes parameter constraints mapped to the defined event may be generated, defining an operation flow in response to detection of a defined event at a remote system and transforming the protocol into an executable process that applies to at least one remote system. References to metadata specifications may be transmitted that include specifications of interface elements and cause interface configuring in accordance with the specifications. Upon determination that responses satisfy the parameter constraints, access to a resource may be controlled in accordance with the protocol, or, upon determination that the responses fail to satisfy the parameter constraints, an alert may be transmitted that is indicative of at least one of the references and/or additional references to second metadata specifications.
Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.
H04L 67/568 - Storing data temporarily at an intermediate stage, e.g. caching
H04L 67/60 - Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources
H04L 67/06 - Protocols specially adapted for file transfer, e.g. file transfer protocol [FTP]
11.
Systems and methods for real-time encryption of sensitive data
Techniques and systems for protecting data input to a web-based application are provided herein. A method may include executing, within a web browser being executed by a computer system, a web-based application. Execution of the web-based application may include tagging one or more data fields as sensitive and fetching a public key from a remote server system. The method may include identifying, by the web-based application, a keystroke entry being input into the one or more data fields tagged as sensitive within the web-based application. Prior to storing the keystroke entry in memory mapped to the web browser, the method may include encrypting by the web-based application, the keystroke entry using the fetched public key to generate an encrypted entry. The web browser may store the encrypted entry to memory. Importantly, the keystroke entry may never be stored to the memory of the web browser in an unencrypted form.
The embodiments described herein relate generally to securely establishing an account and authentication metrics associated with a communication platform. An account associated with a communication platform may allow a user associated with the account to send and receive communications via the communication platform.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
13.
Network-based authentication rule cleaning and optimization
Techniques and systems for optimizing and cleaning rules for network-based authentication transactions are provided herein. A network-based authentication system may determine a plurality of rules that were previously used to evaluate a plurality of transactions. The network-based authentication system may also generate a false positive rate for one or more of the plurality of rules, A cleaning coefficient for a first rule of the plurality of rules may be generated by the network-based authentication system. Based on the cleaning coefficient and the false positive rate, the network-based authentication system may identify one or more rules from the plurality of rules to eliminate from the plurality of rules. The network-based authentication system may eliminate the one or more rules to generate a modified set of rules. Using the modified set of rules, the network-based authentication system may authenticate a network transaction.
Embodiments described herein relate generally to a multipurpose smartphone device. More specifically, embodiments described herein disclose a smartphone that is capable of being used as a point-of-sale (POS) device.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
G06K 7/14 - Methods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Embodiments described herein relate generally to network-based threat detection mechanisms. Specifically, embodiments described herein describe a communication mechanism that filters (e.g., allows or blocks) received communications according to an iterative security list.
Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
Embodiments disclosed herein relate generally to a customized or personalized GUI. More specifically, embodiments described herein disclose systems and process for deriving user preferences based upon previous actions of a set of users and using those user preferences to personalize one or more widgets within a GUI.
Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UI”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“URL”) to the mobile device, and detecting an access of the unique URL by the mobile device through a first communication path. In response to detecting the access of the unique URL, requesting and subsequently receiving, by the host system in real-time, a phone number and a subscriber identification ID associated with the mobile device through a second communication path distinct from the first communication path, and a device fingerprint of the mobile device through the first communication path. The method further includes initiating a risk analysis based on the phone number, the subscriber ID, and the device fingerprint and determining an authentication status of the mobile device based on the risk analysis.
Systems and methods for identifying and mitigating non-compliances include determining an agent location of a money service business for review, obtaining a photograph and geographic coordinates of the agent location, and collecting field data at the agent location through a mobile application. Such information are sent from the mobile application to a central server of a third party vendor for a series of quality checks and stored at the central server. Such information may be used for further corrective action against the agent location reviewed.
Techniques and systems for detecting malicious activity within a network are provided herein. A method for detecting malicious activity within a network may include receiving, by a network-based authentication system, a network transaction. The network-based authentication system may identify a first attribute of the network transaction. The method may also include selecting, by the network-based authentication system, a first learning statistical model and a second learning statistical model from a plurality of models for handling the network transaction. Each of the first learning statistical model and the second learning statistical model may create a likelihood that the network transaction is authentic. The first learning statistical model may calculate a first score and the second learning statistical score may calculate a second score. Based on a comparison of the first score to a first threshold and the second score to a second threshold, the network transaction may be authenticated.
Techniques and systems for determining a malicious derivative entity within a network are provided herein. A method for determining a malicious derivative entity may include receiving, by a network-based authentication system, a plurality of network transactions. A first attribute of a network transaction within the plurality of network transactions may be identified. The method may also include identifying a plurality of entities for the first attribute. The network-based authentication system may generate a first visual representation of a relationship between the first attribute and the plurality of derivative entities. Each of the derivative entities and the first attribute may be represented as nodes within the first visual representation. A first score for each of the nodes may be determined based on a degree of centrality of the nodes within the first visual representation. One network transaction may be blocked based on at least one node exceeding a first threshold.
This disclosure describes, generally, methods and systems for exchanging alternative currencies. The method includes creating, at an alternative currency platform, a plurality of user accounts and receiving, from a first user in the plurality of user accounts, an alternative currency exchange offer. The alternative currency exchange offer includes one or more offer terms and associated assets. Furthermore, the method includes extending the alternative currency exchange offer from the first user to the second user, in response to receiving acceptance of the offer from the second user, verifying the associated assets of the first user and the second user, and in response to verification of the assets of the first user and second user, providing settlement of the alternative currency exchange offer.
Systems and methods for conducting money transfer transactions are provided herein. The systems and methods may include receiving and storing reference fingerprint data associated with a first device. The reference fingerprint data can include reference device usage data corresponding to operation of the first device. Current fingerprint data associated with the first device can also be received. Based on a number of previous transactions performed using the first device, a matching threshold can be retrieved. Using the matching threshold, the current fingerprint data may be verified, thereby enabling the first device to conduct a transaction.
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
26.
Systems and methods for activating an authentication token within a communication platform
The embodiments described herein relate generally to securely establishing an account and authentication metrics associated with a communication platform. An account associated with a communication platform may allow a user associated with the account to send and receive communications via the communication platform.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for home banking systems
Systems and methods are disclosed for conducting transactions and financial transfers utilizing a mobile device communicatively coupled with a mobile communications network and executing a mobile point-of-sale application. According to some embodiments, the mobile point-of-sale application is adapted to conduct money transfer transactions by communicating transaction information through the mobile communications network to a money transfer provider system that processes the money transfer and communicates receipt information to the mobile point-of-sale application. Additionally, according to some embodiments, an account associated with an agent of the money transfer provider can be used in money transfer transactions conducted by the mobile point-of-sale application.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 30/06 - Buying, selling or leasing transactions
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
29.
Methods and systems for improving disclosure requirement compliance
Systems and methods for bypassing a print dialog box that indicates a print confirmation, a prompt message, or a page preview, by employing a background print applet. The systems and methods may include detecting a print content to be printed by a printer, identifying one or more features of the print content, and determining one or more print settings based on the identified one or more features. The systems and methods may further include initiating the print content to be printed by the printer based on the determined print settings, whereby initiating the print content includes bypassing the print dialog box.
A method for identifying a funds transfer opportunity in an electronic media accessed by a mobile device may include monitoring the electronic media for the funds transfer opportunity, identifying the funds transfer opportunity in the electronic media, and outputting indication for the funds transfer opportunity in the electronic media. The method may further include receiving confirmation to instantiate a funds transfer based on the indicated funds transfer opportunity on the mobile device and instantiating the funds transfer based on the received confirmation.
According to the invention, a method for transferring funds from a sender to a pre-paid account to be assigned to a recipient is disclosed. The method may include receiving a request to perform a funds transfer, including an amount and a recipient, and determining whether to approve the request. Upon approval, the method may include selecting a first and second money transfer control number (MTCN). The method may include recording an association of the amount and the recipient with the first MTCN, and an association of the two MTCN's. The method may include sending the second MTCN out and later receiving a request to redeem which includes the second MTCN. The method may include determining the first MTCN based on the second MTCN, and whether to approve the request. Upon approval, an indication may be sent that the amount is available for funding of the pre-paid account of the recipient.
A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
33.
System, manufacture, and method for performing transactions similar to previous transactions
According to the invention, a method for initiating a similar transaction to one previously initiated by a user is disclosed. The method may include sending a digital receipt for a first transaction to a user. The method may also include determining reminder information, where the reminder information indicates a future time or frequency. The method may further include sending to the user, upon occurrence of the future time or frequency, a digital reminder which includes an interactive element. The method may additionally include receiving an indication that the user has interacted with the interactive element, and initiating a second transaction having a characteristic in common with the first transaction based on the indication.
A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A method of implementing collaborative funds transfer includes receiving, by a host computer system, from an entity a collaborative funds transfer request for a relief effort to be executed within a collaborative environment. The methods further includes verifying, by the host computer system, validity of the entity, receiving funds provided to the entity via the collaborative environment, reviewing services offered within the collaborative environment, reviewing communications regarding the funds transfer within the collaborative environment, and transferring the funds to the entity.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
G06Q 20/10 - Payment architectures specially adapted for home banking systems
36.
Integration framework and user interface for embedding transfer services into applications
Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 67/568 - Storing data temporarily at an intermediate stage, e.g. caching
H04L 67/60 - Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources
H04L 67/06 - Protocols specially adapted for file transfer, e.g. file transfer protocol [FTP]
H04L 67/1097 - Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“URL”) to the mobile device, and detecting an access of the unique URL by the mobile device through a first communication path. In response to detecting the access of the unique URL, requesting and subsequently receiving, by the host system in real-time, a phone number and a subscriber identification ID associated with the mobile device through a second communication path distinct from the first communication path, and a device fingerprint of the mobile device through the first communication path. The method further includes initiating a risk analysis based on the phone number, the subscriber ID, and the device fingerprint and determining an authentication status of the mobile device based on the risk analysis.
Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
39.
Equipment to facilitate money transfers into bank accounts
Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.
Systems and methods are disclosed for conducting transactions and financial transfers utilizing a mobile device communicatively coupled with a mobile communications network and executing a mobile point-of-sale application. According to some embodiments, the mobile point-of-sale application is adapted to conduct money transfer transactions by communicating transaction information through the mobile communications network to a money transfer provider system that processes the money transfer and communicates receipt information to the mobile point-of-sale application. Additionally, according to some embodiments, an account associated with an agent of the money transfer provider can be used in money transfer transactions conducted by the mobile point-of-sale application.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/06 - Buying, selling or leasing transactions
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
According to the invention, a system for performing a money transfer between a sender an a recipient through the use of an augmented reality device is disclosed. The system may include a first mobile device associated with a first entity. The first mobile device may be configured to detect an indicator via an augmented reality subsystem. The indicator may include a characteristic and be associated with a second entity, as well as be configured to associate meta-information with the indicator. The first mobile device may further be configured to receive an input comprising an amount to be transferred from the first entity to the second entity and transmit a set of instructions to a money transfer network. The set of instructions may be based in part on the indicator and the input, and include instructions to perform a money transfer between the first entity and the second entity.
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06K 7/08 - Methods or arrangements for sensing record carriers by means detecting the change of an electrostatic or magnetic field, e.g. by detecting change of capacitance between electrodes
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
A system and method for conducting money transfer transactions using mobile devices includes a money transfer host computer that facilitates the collection of fingerprint data for the mobile devices and personal data for users of the mobile devices. The personal data can include a user photo. In order to enable the mobile devices, both the fingerprint data and the personal data are collected, and at least the personal data is verified. To authorize transactions at an enabled mobile device, the fingerprint data and personal data are compared to reference data, and based on the comparison and on a threshold established for the comparison, a transaction is authorized or rejected.
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
44.
Data coordination with a mobile wallet application
A method for coordinating data with a mobile wallet application on a mobile device is provided. The method may include receiving an instruction to add a digital card to a digital wallet, where the instruction includes an identifier of a transaction between a sending entity and a receiving entity facilitated by an intermediate entity. The method may also include receiving from the intermediate entity, status information associated with the digital card, which includes information associated with the transaction. The method may further include providing at least a portion of the status information to a secondary application. The method may additionally include receiving a selection of the digital card. The method may moreover include causing a tertiary application to execute based at least in part on the selection. The method may furthermore include sending to the tertiary application the identifier or at least some portion of the status information.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
45.
Methods and systems for establishing identity confidence database
The invention provides various systems and methods for establishing an identity confidence scoring system. The method includes gathering identity information about the customers from physical locations and from remote locations. The method updates the identity profiles with the gathered identity information, and based on the gathered identity information, generates an identity confidence score associated with each identity profile.
G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
G06Q 30/06 - Buying, selling or leasing transactions
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
46.
Image capture for identity verification and recordation
Methods for capturing an image for identity verification and recordation are provided. The methods may include receiving, at a specialized processing device, transfer data from a remote terminal. The methods may include determining, based on the transfer data, that an identity verification process is required to execute the transfer data. The methods may include sending, based on a determination that the identity verification process is required, a first image file to the terminal for display. The methods may include receiving from a mobile device, information derived from the first image file which identifies the transfer data and a second image file. The methods may include determining, whether the second image file meets a predefined criteria associated with the transfer data identified by the information derived from the first image file. The methods may include sending an authorization signal upon determining that the second image file meets the criteria.
G06K 9/22 - Image acquisition using hand-held instruments
H04N 7/18 - Closed-circuit television [CCTV] systems, i.e. systems in which the video signal is not broadcast
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 16/51 - Indexing; Data structures therefor; Storage structures
G06F 16/583 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using metadata automatically derived from the content
G06K 9/18 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints using printed characters having additional code marks or containing code marks, e.g. the character being composed of individual strokes of different shape, each representing a different code value
47.
Methods and systems for improving disclosure requirement compliance
Systems and methods for bypassing a print dialog box that indicates a print confirmation, a prompt message, or a page preview, by employing a background print applet. The systems and methods may include detecting a print content to be printed by a printer, identifying one or more features of the print content, and determining one or more print settings based on the identified one or more features. The systems and methods may further include initiating the print content to be printed by the printer based on the determined print settings, whereby initiating the print content includes bypassing the print dialog box.
Techniques described herein relate to generating graph-oriented data structures based on cross-channel multi-user transaction and/or interaction data from one or more data sources, Additional techniques relate to analyzing and processing transactions using the graph-oriented data structures. Transaction data may be received from various data sources, and analyzed to determine subsets of the transaction data relating to interactions between specific pairs of users. Graph-oriented data structures may be generated based on the subsets of transaction data relating to the specific pairs of users, and may be used to analyze and process transaction requests.
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 13/16 - Handling requests for interconnection or transfer for access to memory bus
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“URL”) to the mobile device, and detecting an access of the unique URL by the mobile device through a first communication path. In response to detecting the access of the unique URL, requesting and subsequently receiving, by the host system in real-time, a phone number and a subscriber identification ID associated with the mobile device through a second communication path distinct from the first communication path, and a device fingerprint of the mobile device through the first communication path. The method further includes initiating a risk analysis based on the phone number, the subscriber ID, and the device fingerprint and determining an authentication status of the mobile device based on the risk analysis.
According to the invention, a method for initiating a similar transaction to one previously initiated by a user is disclosed. The method may include sending a digital receipt for a first transaction to a user. The method may also include determining reminder information, where the reminder information indicates a future time or frequency. The method may further include sending to the user, upon occurrence of the future time or frequency, a digital reminder which includes an interactive element. The method may additionally include receiving an indication that the user has interacted with the interactive element, and initiating a second transaction having a characteristic in common with the first transaction based on the indication.
A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
G06Q 20/10 - Payment architectures specially adapted for home banking systems
According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04L 29/06 - Communication control; Communication processing characterised by a protocol
Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
H04L 29/06 - Communication control; Communication processing characterised by a protocol
56.
Methods and systems for real-time identification and mitigation of agent risks relating to AML
Systems and methods for identifying and mitigating non-compliances include determining an agent location of a money service business for review, obtaining a photograph and geographic coordinates of the agent location, and collecting field data at the agent location through a mobile application. Such information are sent from the mobile application to a central server of a third party vendor for a series of quality checks and stored at the central server. Such information may be used for further corrective action against the agent location reviewed.
Techniques described herein relate to analyzing location-based transaction systems, based on data from multiple client devices detected and received via multiple communication networks, and providing customized data to client devices associated with particular locations and/or users of the transaction system. The characteristics of a transaction system and/or specific client locations of the transaction system may be determined, based on data received from multiple client devices. A back-end system may receive data from one or more digital kiosk systems associated with particular locations in a transaction system network, various mobile computing devices of users, and client computers within the transaction system. One or more back-end servers may analyze the data to determine various characteristics of the transaction system and/or characteristics of one or more particular locations in the transaction system network.
Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UI”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
Systems and methods for bypassing a print dialog box that indicates a print confirmation, a prompt message, or a page preview, by employing a background print applet. The systems and methods may include detecting a print content to be printed by a printer, identifying one or more features of the print content, and determining one or more print settings based on the identified one or more features. The systems and methods may further include initiating the print content to be printed by the printer based on the determined print settings, whereby initiating the print content includes bypassing the print dialog box.
A method for identifying a funds transfer opportunity in an electronic media accessed by a mobile device may include monitoring the electronic media for the funds transfer opportunity, identifying the funds transfer opportunity in the electronic media, and outputting indication for the funds transfer opportunity in the electronic media. The method may further include receiving confirmation to instantiate a funds transfer based on the indicated funds transfer opportunity on the mobile device and instantiating the funds transfer based on the received confirmation.
Systems and methods for bypassing a print dialog box that indicates a print confirmation, a prompt message, or a page preview, by employing a background print applet. The systems and methods may include detecting a print content to be printed by a printer, identifying one or more features of the print content, and determining one or more print settings based on the identified one or more features. The systems and methods may further include initiating the print content to be printed by the printer based on the determined print settings, whereby initiating the print content includes bypassing the print dialog box.
A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“URL”) to the mobile device, and detecting an access of the unique URL by the mobile device through a first communication path. In response to detecting the access of the unique URL, requesting and subsequently receiving, by the host system in real-time, a phone number and a subscriber identification ID associated with the mobile device through a second communication path distinct from the first communication path, and a device fingerprint of the mobile device through the first communication path. The method further includes initiating a risk analysis based on the phone number, the subscriber ID, and the device fingerprint and determining an authentication status of the mobile device based on the risk analysis.
Systems and methods for collecting biometrically secured financial form data from a user are described. A user input device may receive biometric data from the user. The user may be presented with a visual medium. The visual medium may contain a plurality of fields for information necessary to conduct a financial transaction. Handwriting data may be received from the user. At least a portion of the handwriting may represent information corresponding to the plurality of fields for information necessary to conduct the financial transaction. At least a portion of the information corresponding to the plurality of fields for information necessary to conduct the financial transaction may be transmitted from the user input device to a computer system.
G06F 3/033 - Pointing devices displaced or positioned by the user; Accessories therefor
G06F 3/0354 - Pointing devices displaced or positioned by the user; Accessories therefor with detection of 2D relative movements between the device, or an operating part thereof, and a plane or surface, e.g. 2D mice, trackballs, pens or pucks
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G10L 17/00 - Speaker identification or verification
G06F 3/0488 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
Systems and methods are disclosed for conducting transactions and financial transfers utilizing a mobile device communicatively coupled with a mobile communications network and executing a mobile point-of-sale application. According to some embodiments, the mobile point-of-sale application is adapted to conduct money transfer transactions by communicating transaction information through the mobile communications network to a money transfer provider system that processes the money transfer and communicates receipt information to the mobile point-of-sale application. Additionally, according to some embodiments, an account associated with an agent of the money transfer provider can be used in money transfer transactions conducted by the mobile point-of-sale application.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 30/06 - Buying, selling or leasing transactions
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for home banking systems
68.
Systems and methods for transferring funds to a pre-paid account
According to the invention, a method for transferring funds from a sender to a pre-paid account to be assigned to a recipient is disclosed. The method may include receiving a request to perform a funds transfer, including an amount and a recipient, and determining whether to approve the request. Upon approval, the method may include selecting a first and second money transfer control number (MTCN). The method may include recording an association of the amount and the recipient with the first MTCN, and an association of the two MTCN's. The method may include sending the second MTCN out and later receiving a request to redeem which includes the second MTCN. The method may include determining the first MTCN based on the second MTCN, and whether to approve the request. Upon approval, an indication may be sent that the amount is available for funding of the pre-paid account of the recipient.
Financial instruments are produced at a remote location by a 3D printer. In one embodiment, a request is made for a financial instrument, such as a prepaid gift instrument, by user system(s) at the remote location(s). The user system(s) may be at one or more of a retailer location, a money transfer agent location, or an instrument holder or recipient location (such as at an instrument holder/recipient's residence). An instrument issuer may transmit a print file to a user system which may in turn provide the print file to the 3D printer in order to produce the instrument. At least of a portion of the print file may be rendered unusable at the user system after being provided to or used by the 3D printer, in order to prevent use of the print file to produce unauthorized copies of the instrument.
B29C 64/393 - Data acquisition or data processing for additive manufacturing for controlling or regulating additive manufacturing processes
B33Y 50/00 - Data acquisition or data processing for additive manufacturing
B33Y 80/00 - Products made by additive manufacturing
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
A method for transferring money may include providing a money transfer instrument having product information and a monetary value associated therewith. The method may also include capturing the product information by a POS terminal in response to the sender purchasing the money transfer instrument. The method may further include generating and issuing a personal identifier to the sender on a receipt printed at the POS terminal. The method may additionally include receiving from the sender money transfer information along with the personal identifier. The method may moreover include generating and transmitting to the sender a money transfer control identifier that is separate from the personal identifier. The method may furthermore include receiving from the recipient the money transfer control identifier to receive transferred money at a money transfer location.
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 7/02 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
G07F 17/42 - Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.
A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.
A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.
G06Q 20/00 - Payment architectures, schemes or protocols
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
The invention provides various systems and methods for establishing an identity confidence scoring system. The method includes gathering identity information about the customers from physical locations and from remote locations. The method updates the identity profiles with the gathered identity information, and based on the gathered identity information, generates an identity confidence score associated with each identity profile.
One method herein includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, the goods are released and the deposited funds from the escrow account are deposited into the seller's account.
G06Q 10/08 - Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/06 - Buying, selling or leasing transactions
A method of implementing collaborative funds transfer includes receiving, by a host computer system, from an entity a collaborative funds transfer request for a relief effort to be executed within a collaborative environment. The methods further includes verifying, by the host computer system, validity of the entity, receiving funds provided to the entity via the collaborative environment, reviewing services offered within the collaborative environment, reviewing communications regarding the funds transfer within the collaborative environment, and transferring the funds to the entity.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
G06Q 20/10 - Payment architectures specially adapted for home banking systems
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
Systems, methods, and devices are described for a refundable prepaid transaction cards. The methods and systems include a prepaid transaction card funded with funds by a purchaser. Also included is an issuer. The issuer receives the funds a distributes a prepaid transaction card associated with the funds. The methods and systems also include a prepaid transaction card identifier, wherein the prepaid transaction card identifier identifies the prepaid transaction card. The issuer maintains a central computer system that stores at least one parameter entitling the purchaser to a refund of at least a portion of the funds. The methods and systems also include a cash pool, the cash pool holding at least a portion of the funds funded by the purchaser.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
This disclosure describes, generally, methods and systems for exchanging alternative currencies. The method includes creating, at an alternative currency platform, a plurality of user accounts and receiving, from a first user in the plurality of user accounts, an alternative currency exchange offer. The alternative currency exchange offer includes one or more offer terms and associated assets. Furthermore, the method includes extending the alternative currency exchange offer from the first user to the second user, in response to receiving acceptance of the offer from the second user, verifying the associated assets of the first user and the second user, and in response to verification of the assets of the first user and second user, providing settlement of the alternative currency exchange offer.
A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.
Embodiments of the invention provide a fraud deterrent for retail money transfer or stored value product. In some embodiments, a two dimensional grid of number, letters, characters, and/or symbols can be provided retail packaging or cards that can be used as a second authentication factor in order to redeem funds. In some embodiments, methods and/or systems are also provided that associate control numbers with the grid, create the grid, provide the grid on packaging, and/or use the grid to authenticate a customer.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A money transfer system includes a risk assessment system and a risk modeling system. The risk assessment system uses rules engines and Z scores to assess, on a real time basis, risk factors associated with money transfers. The risk modeling system develops risk scores based on historical transaction data in order to create a risk model. The risk model may be analyzed over time to refine the rules engines and take other actions to understand and reduce the risk of improper activity in connection with money transfers.
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for home banking systems
A method for generating an electronic message having the appearance of an individual performing a song with a musical artist includes: receiving a selection of a video segment, receiving an image of an individual's face, receiving a recording of the individual signing the song, generating the electronic message from the video segment, receiving information about a recipient of the electronic message, and transmitting the electronic message to the recipient. The video segment includes: a song, a musical artist performing the song, and a character performing the song with the musical artist. Generating the electronic message includes: overlaying the image of the individual's face onto a facial area of the character, simulating movement of one or more facial features of the image, and synchronizing the recording of the individual signing the song with the simulated movement of the facial features.
The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
G06K 5/00 - Methods or arrangements for verifying the correctness of markings on a record carrier; Column-detection devices
G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
G06F 7/08 - Sorting, i.e. grouping record carriers in numerical or other ordered sequence according to the classification of at least some of the information they carry
G06Q 30/06 - Buying, selling or leasing transactions
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
87.
Money transfer transactions via pre-paid wireless communication devices
Systems and methods for performing money transfer transactions via a wireless communication device, such as a cellular phone, are provided. The wireless communication device may be associated with, or automatically linked to, at least one payment source account. The wireless communication device may be associated with at least one pre-paid payment source account. In one example, the wireless communication device is a pre-paid cellular phone and/or is associated with a pre-paid money transfer account. The wireless communication device may access a pre-directed phone number, e.g., *55, to access a money transfer service provider. Once connected to a money transfer service provider, a user may initiate a money transfer via the wireless device, which is optionally paid to a payee in-person at a money transfer service provider location.
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for home banking systems
A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.
A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
90.
Identification generation and authentication process application
Embodiments of the invention provide methods, devices, and systems for personalizing presentation instruments. According to one embodiment, a method for personalizing presentation instruments may include providing account information for a plurality of accounts and providing a plurality of images. Each of the images may be associated with an account and may be formatted according to one or more defined parameters to facilitate placement of each image onto a presentation instrument. Each formatted image may be overlaid or placed onto a presentation instrument to personalize each presentation instrument and each presentation instrument may be associated with account information corresponding to the image overlaid or placed on the presentation instrument.
G06K 9/68 - Methods or arrangements for recognition using electronic means using sequential comparisons of the image signals with a plurality of reference, e.g. addressable memory
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
91.
Biometric based authorization systems for electronic fund transfers
A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for home banking systems
A money transfer system includes a risk assessment system and a risk modeling system. The risk assessment system uses rules engines and Z scores to assess, on a real time basis, risk factors associated with money transfers. The risk modeling system develops risk scores based on historical transaction data in order to create a risk model. The risk model may be analyzed over time to refine the rules engines and take other actions to understand and reduce the risk of improper activity in connection with money transfers.
The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/06 - Buying, selling or leasing transactions
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G07F 7/02 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
94.
Presentation instrument display and activation systems and methods
A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier. The purchase card has an account identifier associated therewith and has a card indicium affixed thereto. The purchase card includes a machine-readable information encoding region into which the account identifier is encoded. The card carrier has a carrier indicium affixed thereto. The method includes populating a database with a stored card indicium that relates to the card indicium, a stored carrier indicium that relates to the carrier indicium, and a stored account identifier that relates to the account identifier, thereby uniquely coupling the account identifier to the card indicium. Activating the card by associating value to it includes comparing the information from the card indicium and the information from the carrier indicium with the stored card indicium and the stored carrier indicium.
G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
G06Q 10/08 - Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.
The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.
Methods, devices, and systems for analyzing negotiated negotiable instruments for unlawful activity are described. A computer system, including a computer readable storage device and a processor may be provided. A plurality of electronic files may be received. Each of these electronic files of the plurality of electronic files may include an electronic image of at least a portion of a negotiable instrument and include a plurality of data fields. The plurality of electronic files may be divided into subsets based on whether data is available in particular data fields of the electronic files. Based upon the subset an electronic file is made a member of, various selection criteria may be applied to determine if the electronic file is a candidate for suspicious and/or illegal activity. Also, a listing of candidates for suspicious and/or illegal activity may be presented to a user.
Systems, methods, and devices are described for a refundable prepaid transaction cards. The methods and systems include a prepaid transaction card funded with funds by a purchaser. Also included is an issuer. The issuer receives the funds a distributes a prepaid transaction card associated with the funds. The methods and systems also include a prepaid transaction card identifier, wherein the prepaid transaction card identifier identifies the prepaid transaction card. The issuer maintains a central computer system that stores at least one parameter entitling the purchaser to a refund of at least a portion of the funds. The methods and systems also include a cash pool, the cash pool holding at least a portion of the funds funded by the purchaser.
A system and method for conducting money transfer transactions using mobile devices includes a money transfer host computer that facilitates the collection of fingerprint data for the mobile devices and personal data for users of the mobile devices. The personal data can include a user photo. In order to enable the mobile devices, both the fingerprint data and the personal data are collected, and at least the personal data is verified. To authorize transactions at an enabled mobile device, the fingerprint data and personal data are compared to reference data, and based on the comparison and on a threshold established for the comparison, a transaction is authorized or rejected.
G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
patents
