A computer-implemented system and method of tracking telemetry data at a financial computing system is presented. The system and method includes receiving an electronic message that includes a payment transaction originating from a payment terminal, and associating a unique transaction identifier to the payment transaction. Telemetry data for the payment transaction is received from payment processing applications through a telemetry interface and aggregated into a data store. The aggregated telemetry data associated with the unique identifier is presented on a user interface by the financial computing system.

A mobile device with a first transceiver, a second transceiver, one or more processors, and memory bridges communications between an offline retail machine with a short-range communication capability and a remote server by obtaining via the first transceiver a single-use request code from an information packet broadcast by the offline retail machine; transmitting via the second transceiver the single-use request code to a remote server; obtaining via the second transceiver from the remote server a grant token including the single-use request code; detecting a trigger condition for initiating provision of a product or service by the offline retail machine; and in response to detecting the trigger condition, initiating performance of the provision of the product or service by transmitting the grant token to the offline retail machine via the first transceiver.

A computer-implemented method for communicating about a product includes under control of one or more configured computer systems, selecting a product having a unique identifier (UID), using the unique identifier (UID) for the selected product to link a unique social media feed to the selected product, and enabling users to access the unique social media feed for engaging in social media conversations about the selected product. The method includes selecting a second product having a second unique identifier (2UID), using the second unique identifier (2UID) for the selected second product to link a second unique social media feed to the selected second product, and enabling users to access the second unique social media feed for engaging in social media conversations about the selected second product. The unique identifier (UID) is serial numbers, random numbers, names maintained by a central registry, or codes maintained by a central registry. The unique identifier (UID) assigned to the selected product is a Stock Keeping Unit (SKU), a Universal Product Code (UPC), a Global Trade Item Number (GTIN), an International Article Number (EAN), or an Australian Product Number (APN).

Disclosed are various embodiments for securing transactions with single-use account tokens. In one embodiment, an authorization system creates a single-use account token for a valid primary account identifier. The single-use account token is sent as an email attachment to an email address of an associate account holder. A user device is configured to load the single-use account token from the email attachment into a wallet application of the user device. The valid primary account identifier is prevented from being used by the authorization system to authorize a transaction in response to the single-use account token being created.

A method and apparatus for a remittance service are disclosed. An operation method of a server providing a remittance service includes receiving, from a remitter participating in an anonymous chatroom by using a first temporary profile, a request for a remittance to a second temporary profile participating in the anonymous chatroom, verifying a remittance qualification of an account of the remitter, generating remittance transaction information for remitting an amount corresponding to the remittance request to an account of a remittee corresponding to the second temporary profile, and transmitting, to the account of the remittee a remittance notification including information on the first temporary profile as remitter information.

Systems, computer program products, and methods are described herein for automatically generating resource distributions. The present invention may be configured to receive a text-based instruction and parse, using a machine learning model, the text-based instruction to generate a structured resource distribution including predicted distribution elements. The present invention may be configured to generate, based on the structured resource distribution, a resource distribution. In some embodiments, the text-based instruction may include an email message, an SMS message, recorded speech converted to text, text input to a chat function, text recognized in an image, and/or the like.

Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In some embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.

Described herein are means for conducting transactions between bots using Distributed Ledger Technology (DLT) in a cloud based computing environment. According to a particular embodiment, there is a system having at least a processor and a memory therein, in which the system is configurable with means for: operating, by a cloud service provider, an interface to a blockchain, in which each bot is a node on the blockchain; posting a transaction request to a chat log by one of the plurality of bots or an administrator; writing the transaction request, and an identification of the one of the plurality of bots or the administrator requesting the transaction, to the blockchain; negotiating consensus among the plurality of bots as nodes on the blockchain to conduct the requested transaction; and when consensus is reached: writing the transaction to the blockchain; pulling the transaction request from the chat log by one of the plurality of bots; and conducting the transaction by the one of the plurality of bots that pulled the transaction request from the chat log; and posting completion of the transaction to the chat log by the one of the plurality of bots that conducted the transaction. Other related embodiments are disclosed.

An apparatus and method for data interchange provides a universal transaction mechanism for translating and sharing data, particularly financial data, thereby streamlining the exchange of financial information and approvals typically utilized in many brokerage transactions, including the verification of free funds or SIA Service Agreement relationship through an electronic Letter of Free Funds or SIA 150, Form One Schedule A Amendment (SIA F1SA) or SIA 151 in compliance with Regulation T and No Action Letter SIA agreements and documentation rules and all related government-mandated rules and requirements.

A method and system for the purchase and activation of services on a wireless device are provided. The method and system include the use of an airtime card with a near field communication tag with a unique identifier code used to improve a user's experience and ease of activation/provisioning of services for the wireless device. In some aspects, the unique identifier may be generated during the activation and purchase of the wireless service and it is not required that the unique identifier code be recorded in a backend system of the wireless provider prior to activation. The services to be purchased and activated may include at least one of the following: out of the box activation, device upgrades, device reactivations, wireless number changes, wireless number porting, and the addition or purchasing of services including airtime, data, and/or SMS enrollments or data content.