A computer-based system collects data associated with a user activity. The data is transmitted from an app running on a computing device with a user account authenticated by the computer-based system. A carbon footprint of the user activity is calculated based on the data associated with the user activity. The system calculates a proof of environmental impact in response to a function of the carbon footprint and a baseline value. An amount of cryptocurrency is generated based on the proof of environmental impact by writing a transaction for the amount of cryptocurrency to a blockchain in response to proof of environmental impact. The amount of cryptocurrency is assigned to the user account authenticated with the computer-based system.

Described are a system, method, and computer program product for segmenting a plurality of accounts. The method includes processing transaction data for a plurality of transactions conducted by a plurality of accounts using a plurality of account identifiers, the transaction data for each transaction including data identifying the transaction as an electronic transaction or a physical transaction, segmenting the plurality of accounts into at least two groups including an active customer group and an inactive customer group based on the transaction data for each transaction conducted by each of the plurality of accounts, determining a third subset of customers from the second subset of customers based on at least one predicative model and a transaction profile of each customer of the second subset of customers, and automatically enrolling the third subset of customers into an automated campaign.

Particular embodiments determine, at least in part by a computing device of a payment service, to associate a data object with a user account that is associated with a stored balance managed by the payment service. The computing device associates an amount of the data object with a distinct stored balance associated with the user account. The distinct stored balance is associated with a condition of use. The computing device monitors transaction data associated with users of the payment service. The computing device identifies, from the transaction data, a transaction associated with an identifier associated with the user account. Based on a determination that the transaction satisfies the condition of use, processing payment for the transaction using at least a portion of the distinct stored balance prior to using the stored balance.

Systems and methods for automated notification and resolution of trigger events are disclosed. According to one embodiment, a method for automated notification and resolution of trigger events may include: (1) monitoring, by a backend computer program, an account for a trigger condition; (2) generating, by the backend computer program, a voice notification for the trigger condition; (3) communicating, by the backend computer program, the voice notification to an electronic device associated with the account and a link to a network location to resolve the trigger condition; (4) presenting, by the backend computer program and at the network location to resolve the trigger condition, one or more resolution options; (5) receiving, by the backend computer program and at the network location to resolve the trigger condition, a selection of one of the one or more resolution options; and (6) executing, by the backend computer program, the selected resolution option.

A computer-implemented system and method includes determining, by a mobile device associated with a user, a location of the user, generating, by the mobile device, a code comprising a tokenized value for sending funds and the location of the user, transmitting, by the mobile device, the code to a point of sale (POS) terminal associated with a merchant as part of a mobile wallet transaction, and receiving, by the mobile device, an indication that the mobile wallet transaction has been completed.

Improvements to existing technologies associated with point-of-sale transactions and merchant ecosystems to, among other things, reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed (i.e., reduce friction) are described. In some examples, such reduced in-person contact and/or improved efficiencies can limit transmission of infectious diseases. As such, techniques described are directed to modifying aspects of point-of-sale transactions such that they occur on different computing devices (e.g., customer computing devices instead of merchant computing devices), are automated, and/or occur at different times than with conventional point-of-sale transactions. Furthermore, in at least one example, techniques described can leverage a distributed, network-based merchant ecosystem—comprising multiple merchant computing devices and/or customer computing devices that are specially configured to communicate with a service provider—to facilitate social distancing, which can reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed.

Disclosed are various embodiments for detecting security breaches using watchdog transaction accounts. A security agent can initiate a purchase with a first electronic commerce system and provide a watchdog transaction account as payment for the purchase. The security agent can then store a record of the purchase which includes a merchant identifier for the merchant and the watchdog transaction account. Subsequently, a transaction authorization system can determine that authorization for a transaction with second electronic commerce system failed. If the transaction authorization system determines that the account used in the transaction with the second electronic commerce system, then the transaction authorization system can determine that the first electronic commerce system has suffered a security breach.

Disclosed are various embodiments for detecting security breaches using watchdog transaction accounts. A security agent can initiate a purchase with a first electronic commerce system and provide a watchdog transaction account as payment for the purchase. The security agent can then store a record of the purchase which includes a merchant identifier for the merchant and the watchdog transaction account. Subsequently, a transaction authorization system can determine that authorization for a transaction with second electronic commerce system failed. If the transaction authorization system determines that the account used in the transaction with the second electronic commerce system, then the transaction authorization system can determine that the first electronic commerce system has suffered a security breach.

Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.

Various examples described herein are directed to systems and methods for processing a payment using a mobile wallet network and issuer. A mobile wallet application provides payment information and an indication if payment may be done directly via the mobile wallet network to a point of sale (POS) terminal. The POS terminal determines which payment network to use. A bill may be sent to the mobile wallet application. The mobile wallet application requests payment authorization from an issuer. The issuer provides the authorization and the transaction is completed between the POS terminal and the mobile wallet application.