Example systems and methods for dynamic identity decisioning include: receiving a request, from a third-party server, to confirm an identity of a user attempting a transaction through a third-party website displayed in a first application window on a user device of the user; causing the user device to display a second application window for presenting an identity decisioning application and at least partially overlapping the first window; assessing a risk level associated with the transaction based on identity verification data retrieved from the user device; and if the risk level exceeds a predetermined threshold, selecting at least one identity authentication exam for presentation to the user via the second window, determining an outcome of the at least one identity authentication exam based on a user response thereto, and determining an identity decisioning result based on the outcome; and presenting the result to the user via the second application window.

Arrangements for payment and recommendation control are provided. In some aspects, contextual data may be received from a user. For instance, data such as calendar data may be received and an event may be identified. Based on the event, a pre-authorized amount may be identified for payment associated with the event. The system may receive a request for payment and event details. The amount may be compared to the pre-authorized amount and, if more than the pre-authorized amount, a request for payment authorization may be transmitted to a user device. If the amount is not more than the pre-authorized amount, expected location data of the user may be received and current location data of the user may be requested from a user device. The location data may be compared and, if the locations match, the payment may be authorized and automatically processed.

A vehicle includes a first sensor for sensing a first image, a second sensor for sensing a second image, and a processor that generates identification information of an object based on the first image, matches the identification information with payment request information including information about fare payment of the object, generates location information of the object based on the second image, matches the identification information with the location information to generate boarding information of the object, and determines a free riding of the object based on the boarding information and payment approval information corresponding to the identification information.

Blockchain-enabled crypto asset systems and a Digital Social Recorder system are operable within a computer network environment for allowing a user to control how advertisers access the user's personal data; allowing crypto asset compensation in exchange for social amplification; and tracking asset allocation. Payments made via blockchain tracking, and the distribution of any revenues derived from cost savings provided to terrestrial, satellite or digital radio broadcasters back to music rights holders and other related groups are provided. These rights holders typically like to incentivize consumers, and by using the crypto assets or tokens created by the present invention, a reward for listening/consuming may be provided. Further, payments for industry services to the rights holder are contemplated to include, but not be limited to any Performance Rights Organizations (PROs), Record Labels, Publishing Companies/Administrators, Managers, Agents or any fractional rights holders or owners who would hold claim against any such revenues.

A method for use with a smart card is provided. The smart card may include a communication interface, a housing, a microprocessor embedded in the housing, a battery for powering the communication interface and the microprocessor, and a nano GPS chip, located within the housing and in electronic communication with the communication interface and the microprocessor. The thickness of the smart card is preferably no greater than 0.8 millimeters (“mm”) and has surface area not greater than 86 mm×54 mm. The method may include determining the location of the smart card in response to a request for a smart card transaction authorization and determining the location of a mobile device associated with a specified user of the smart card. Based on the location of the smart card and the location of the mobile device, the smart card may calculate a location delta between the smart card and the mobile device. If the location delta is greater than or equal to a threshold distance, the smart card may deny the request for smart card transaction authorization.

A merchant and a user register with a payment processing system, which establishes a facial template based on a user image. The user signs into a payment application via a user computing device, which receives an identifier from a merchant beacon device to transmit to the payment processing system. The payment processing system transmits facial templates to the merchant camera device for other users who are also signed in to the payment application in range of the merchant beacon device. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator selects an account of the user. The merchant POS device transmits transaction details to the payment processing system, which processes the transaction with an issuer system. The payment processing system receives an approval of the transaction authorization request and transmits a receipt to the merchant POS device.

Systems, methods, articles of manufacture, and computer-readable media. A communications interface may receive an indication that a server preauthorized a transaction. The communications interface may receive, from a point of sale device, an indication to pay for the transaction. The contactless card may determine, based on rules stored in the memory, that the location of the mobile device is within one or more locations the contactless card is permitted for use. The contactless card may generate transaction data comprising: indications of an account number and an expiration date of the contactless card, and the indication of the preauthorization. The contactless card may transmit the transaction data to the POS device as payment for the transaction. The server may authorize payment for the transaction using at least a portion of the transaction data based at least in part on identifying the indication of the preauthorization in the transaction data.

Systems and methods for artificial intelligence (AI)-based systems and methods for conditional electronic processing are provided. An example method includes receiving real time data from one or more data sources associated with one or more connected smart devices; continuously evaluating the real time data to determine whether the one or more transaction conditions is met; upon determining that the one or more transaction conditions has been met, utilizing prioritized parameters to determine to which users an alert of a transaction request is broadcast; broadcasting the alert of the transaction request via a user application; transmitting, via a push notification gateway, a push notification to the user application on a user device; and establishing, via a network, a secure connection between the user device and an AI engine for executing the transaction request.

Systems and methods for kiosk or payment terminal-based touchless interactions using mobile electronic devices are disclosed. In one embodiment, at a cloud-based information processing apparatus comprising at least one computer processor, a method for interacting with a kiosk or payment terminal using a mobile electronic device may include: (1) receiving, from a mobile electronic device and at a uniform resource locator, a communication comprising an identifier for a kiosk or payment terminal comprising a screen; (2) receiving, from the mobile electronic device, touch data corresponding to user input to a touch-sensitive input on the mobile electronic device; and (3) communicating the touch data to the kiosk or payment terminal. The kiosk or payment terminal may graphically represent the touch data by moving a cursor on the screen.

Electronic transfers of value may be secured via verification of locations of parties, and/or progressive trust building, while maintaining privacy of sensitive personal information of parties via separate communications by parties with a payment network server. Locations may be fixed geolocations, proximities, and/or positions relative to markers/beacons that are in motion. Transfers may be made from party to party, party to place and place to party, and/or party to a virtual point-of-sale at a place. Transferred items may be electronic funds in fiat and/or crypto currencies, Non-Fungible Tokens (NFTs)/data associated NFTs, electronic data, and/or securities/financial instruments, for example. Transactions may be multiparty and may comprise multiple exchanges of value.