Disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. The wearable devices may further transfer tokens securely to interested parties without Bluetooth® or other network connectivity beyond NFC radio. In some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault ID associated with the user. The token vault operator system may further configure access to data sets generated for and associated with the token vault ID, generate tokens associated with the token vault ID, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault ID to at least one user device.

The invention synthesizes a social network, electronic commerce (including performance based advertisement and electronic payment), a mobile internet device (MID)/mobile wearable internet device and a machine learning algorithm(s), utilizing a classical computer or an optical computer enhanced machine learning algorithms, utilizing an optical computer or a quantum computer enhanced machine learning algorithm(s), utilizing a quantum computer. The synthesized social commerce further dynamically integrates stored information, real time information and real time information/data/image(s) from an object/array of objects (Internet of Things (IoT) and automated agents (bots). The machine learning algorithm(s), utilizing a classical computer can include a software agent, a fuzzy logic algorithm, a predictive algorithm, an intelligence rendering algorithm, a self-learning (including relearning) algorithm.

Disclosed are methods and systems for provisioning payment card credentials to an Internet of Things (IoT) device that is associated with a companion application. In an embodiment, a mobile device processor displays a companion application user interface (UI) on a display screen, receives a user selection of an option to obtain payment card credentials from the companion application UI, displays a prompt for the user to provide user authentication data to the companion application, receives the user authentication data from a biometric sensor, and authenticates the user. The process next includes displaying a selection screen comprising one of an icon identifying the IoT device or an icon identifying the companion application and a list of payment card accounts, receiving a selection of a payment card account, transmitting payment account credentials of the selection to a wallet server computer, receiving a companion token from the wallet server computer, associating the companion token with the companion application, and transmitting the companion token to the IoT device associated with the companion application.

An electronic device is provided. The electronic device includes a communication module communicable with an external device, a display, a memory, and at least one processor operatively connected to the communication module, wherein the at least one processor is configured to display at least one image and/or text related to payment information on the display in response to at least a part of a user input, determine whether to start a payment process in response to identification of a user authentication, transmit a first signal for requesting an authentication to the external device in response to identification of an approach of the external device within a predetermined distance from the electronic device, and transmit a second signal related to the payment process in response to identification of an authentication of the external device, and determine whether to complete the payment process using the electronic device.

The present invention provides a method, program, server, and wearable device that may generate a virtual code, which is not matched with any other code, whenever a payment is requested. Furthermore, the present invention provides a method, program, server, and wearable device that may conveniently add a device while security is maintained, when a user wants to add a device capable of being used as a payment means. Moreover, the present invention provides a method, program, server, and wearable device that may add and use only an algorithm without changing a conventional process, and may provide a wearable device-based financial transaction.

A thin client may be utilized to facilitate data exchanges between two devices (e.g., a remote computer and a portable device). In some embodiments, the two devices may utilize differing communications protocols. The thin client may further be configured with a rules engine that determines one or more actions to be performed in response to one or more stimuli. The thin client may manage the processing flow between the two devices according to one or more predefined rules that are interpretable by the rules engine. The rules may be pushed to the thin client via any suitable device enabling the functionality of the thin client to be configured and/or modified without having to update the hardware and/or software of the thin client.

Systems and methods for performing automated drone-based photo-shoots of people in places of gathering/interests such as events, tourist spots, sports events, cultural shows, religious congregations, political rallies and conventions. Photos may be captured by drone-mounted cameras at the place of gathering/interest. The service can also be provided without a drone, and by using pre-installed cameras. These cameras can be controlled automatically using automated algorithms or manually by professional photographers to capture one or more images. Systems and methods for converting these media and other significant moments of the event into Digital Collectibles (Non-Fungible Tokens or “NFT”) to enable ownership and provenance tracking, and resale in digital asset marketplaces are also described. Disclosed systems would automatically create a digital package including the captured media at the end of the photo shoot. Disclosed systems may provide an exclusive local marketplace for listing and selling these digital collectibles.

A method for A method for utilizing a check-to-smartglasses payment system is provided. The method may include capturing check data at a smartglasses. The method may also include identifying smartglasses account data associated with the smartglasses. In addition, the method may include generating a transfer of funds instruction. The transfer of funds instruction may include the check data and the smartglasses account data. The method may also include transmitting the transfer of funds instruction to a financial institution as well as identifying an account associated with the check data at the financial institution, The method may also include processing the transfer of funds instruction between the account associated with the check data and an account identified by the smartglasses account data at the financial institution and transmitting a confirmation to the smartglasses and to a mobile device associated with the check data.

An Augmented Reality (AR)-enabled Automated Teller Machine (ATM) receives a request to dispense cash equal to amount of an AR document. The AR document comprises an AR check. The AR-enabled ATM fetches a first AR check image from a memory. The AR-enabled ATM extracts a first set of features from the first AR check image. The AR-enabled ATM receives a second AR check image from a computing device associated with the receiver. The AR-enabled ATM extracts a second set of features from the second AR check image. The AR-enabled ATM compares the first AR check image with the second AR check image. The AR-enabled ATM determines whether the first AR check image corresponds to the second AR check image. In response to determining that the first AR check image corresponds to the second AR check image, the AR-enabled ATM dispenses cash equal to the amount.

Location information for a user-operated device is obtained or location information associated with a transaction terminal is obtained. A store associated with the location is resolved based on the location information. Loyalty identifiers for a user who operates the device are identified. The loyalty identifiers are used to obtain a loyalty account of the user with the store and the location information is used to identify a transaction that the user is engaged in at the store. A loyalty account number for the loyalty account is dynamically injected into a transaction workflow for the transaction without requiring entry of the loyalty identifiers or the loyalty account number by the user or a cashier who may be performing the transaction on behalf of the user.