Systems, computer program products, and methods are described herein for transaction management via an extended reality platform. The present invention provides the functional benefit of providing a user with the ability to manage, schedule, and complete transactions in an extended reality (XR) environment. The present invention may also be configured to communicate with a plurality of third-party systems, in order to request access to various user accounts, as well as information associated with one or more upcoming transactions associated with a user. The user may then visualize said transaction information on a virtual hub presented via an XR platform (accessible using a virtual/augmented/mixed reality device) and complete transaction management actions from any location, in real-time. User interfaces hosted in an XR environment are immersive, providing intuitive user interfaces that may bolster the effect of interactivity.

As part of an integrated banking platform, an internet banking platform includes a banking server, a processor, and a memory module. The memory module includes stored computer program code. The memory module, the stored computer program code, and the processor are configured to cause the banking server to receive access to a rewards program server associated with a rewards account platform. Further, the server is caused to receive enrollment information associated with a user, and to connect to the rewards program server. The server is also caused to transmit an enrollment request message to the rewards program server. The enrollment request message includes at least a subset of the enrollment information. Additionally, the server is caused to receive an enrollment response message that indicates whether the user has been enrolled in a rewards account maintained by the rewards account platform.

Technology is disclosed for a convenient money transfer without requiring any account login and/or creation activities. The disclosed technology enables a sender to transfer a specified amount of currency to one or more recipients through a payment application while executing an instant message application. The payment application can act as a background process associated with or incorporated in the instant message application, so as to provide the user with a “seamless” user experience. In response to detection of a specified identifier, the technology can provide a user interface to collect a numerical value corresponding to the specified amount of currency, access a list of contacts in a database of the sender's mobile device, and provide the list of contacts to the sender. The technology enables the sender to manually select recipients from the provided list of contacts and can accordingly initiate a payment process based on statuses of selected recipients.

Systems and processes for the gamification of data, including providing scenarios and actionable elements to execute a preferred scenario. Embodiments can include a credit modification software tool that is configured to automate the transmission of one or more messages to effectuate modification of a credit score associated with a user. The system can determine accounts eligible for improvements, application amounts, time to apply, and determine the effect on user's credit score. Embodiments can include scenarios for increasing a user's credit score where funds are not available by applying for a loan to reduce rolling debts, thereby providing a net increase credit score. Loans can be negotiated based on the resulting credit score and autonomously implement. A universal payment system is disclosed to retrieve data and determine a transaction model, which determines the accounts to be used, in which order, and how much to be applied, in order to benefit a credit score.

A computer-implemented method includes receiving an indicator of enrollment of a user in a breach notification service; acquiring information regarding the user; and generating one or more indicators of a data breach for an entity that stores one of data regarding the user or an indication of a transaction with the user in a past predefined time period. The computer-implemented method further includes determining that the one or more indicators meet a threshold level for notifying the user of the data breach; in response to determining that the one or more indicators meet the threshold, generating a notification specific to the user regarding the data breach; and providing the notification to the user during a log-in process for a product or service associated with the provider computing system.

A device includes one or more NFC chips that are preprogrammed to provide a payee's identification and information for launching any of several P2P cashless payment applications to which the payee is subscribed, to a mobile phone of a payor. When a mobile device of a payor is brought to the vicinity of an NFC chip of the device, the mobile device launches a corresponding P2P cashless payment application. The P2P cashless payment application shows the payee's information and the payor may proceed to make a payment to the payee. The device may include an NFC chip that is preprogrammed to provide the payee's identification and the information for launching a single application on the mobile device of the payor to display the P2P cashless payment applications to which the payee is subscribed. The payor may then proceed to make a payment to the payee using the payor's mobile device.

A remote driving service processing device includes: a general user terminal by which a requester applies for a remote driving service for moving a vehicle to a destination; a remote control terminal by which a remote driver remotely control the vehicle and sends a remote driving service termination permission request for terminating the remote driving service when the vehicle is having difficulty reaching the destination; and a server that sends a termination approval to the remote control terminal and terminates the remote driving service when (i) transferring the remote driving service termination permission request received from the remote control terminal to the general user terminal, and (ii) receiving a remote driving service termination consent, which is a response to the remote driving service termination permission request, from the general user terminal.

Some embodiments of the invention provide tools for promoting a user's financial well-being by encouraging positive financial behavior through timely feedback, counseling and instruction. For example, some embodiments of the invention may provide real-time (e.g., in response to a transaction being performed, or in response to the user indicating he/she is contemplating a transaction) useful analysis and advice designed to encourage the type of ongoing financial behavior that leads over time to financial well-being.

A distributed ledger system may include a first distributed ledger node associated with a first participant bank that maintains a first participant bank deposit account on a blockchain-based distributed ledger in a distributed ledger network; a second distributed ledger node associated with a second participant bank that maintains a second participant bank deposit account on the blockchain-based distributed ledger; and a third distributed ledger node associated with a liquidity provider that maintains a liquidity provider deposit account on the blockchain-based distributed ledger. A consensus algorithm operates on the distributed ledger nodes and updates the blockchain-based distributed ledger in which multiple copies of the blockchain-based distributed ledger across the distributed ledger nodes, and transactions involving the first participant bank deposit account, the second participant bank deposit account, and/or the liquidity provider deposit account are added to a block to the blockchain-based distributed ledger.

A platform that provides individuals and businesses with the ability to provide credit and/or lend money to other individuals and businesses using an IOU (I Owe You) form of currency. The platform comprises different modules which can be used alone or in combination. The platform allows individuals and businesses with the ability to securely and easily setup and track transactions, establish repayment terms of their choice (30, 45, 60, 90 days, etc), interest rate (no interest, 1%, 2%, 3%, etc.) and other related functions with others in one convenient platform from account signup through to funds settlement. Users (individuals and businesses) can access the platform from a cell phone, tablet, laptop computer, desktop computer or any other related internet browser.