A personal electronic parking system and method adapted to identify, track, predict, alert, manage and collect payment, and enforce on-street and off-street parking, the system including a central cloud network adapted to generate and manage user data and parking data, a user interface adapted to show users parking information relevant to the user, a unique machine-readable code, wherein the code provides identification of a specific vehicle used by the user, one or more sensors, one or more meter devices adapted to connect with the central cloud network and the user interface, and a parking payment and enforcement portal.

Systems, methods, and computer program products for a contactless automated teller machine (ATM) experience receive, from a telephone number, a first short message service (SMS) message including a unique identifier associated with an ATM terminal; in response to receiving the first SMS message, communicate, to the ATM terminal, a first password associated with the telephone number and the unique identifier; receive, from the telephone number, a second SMS message including the first password; verify the first password; in response to verifying the first password, transmit, to the telephone number, a third SMS message including an option to withdraw cash from the ATM terminal; receive, from the telephone number, a fourth SMS message including a selection of the option to withdraw the cash from the ATM terminal; and communicate, to the ATM terminal, a cash dispense command that causes the ATM terminal to dispense the cash.

A computer-implemented system includes a platform cloud server, and platform application software executable by the platform cloud server, the platform application software configured to close an access control gate to prevent a subject vehicle from exiting a secured vehicle parking facility at said access control gate unless an exit condition is satisfied, the exit condition including identity of the subject vehicle, receipt of an exit request to exit through the gate by touchless initiation, and actual receipt of payment by touchless initiation. A QR code is displayed to present the exit request, and a touchless vehicle detection system determines identity of the subject vehicle.

A system and method for sending and receiving payments via messages are provided. The methods include utilizing a transaction server loaded with a chatbot. Payment can occur via a message exchange with the chatbot and a user’s mobile phone.

A unique user interface for presenting the messages transmitted on a real-time processing rail is described herein, where the messages are displayed using a chat motif. The user interface includes a summary of all instructions, with a variable icon indicating whether the instruction also includes messages. If a user selects the variable icon, a chat-like window or conversational drawer is presented to allow the user to enter and receive messages related to that specific instruction.

A system, apparatus, and method are disclosed to enable a bank to send a secure object to a bank customer at a remote location. In addition to performing authentication, the system and method exploit the payment rails to verify transactions by the bank customer, as well as to confirm the physical location of the customer. The bank customer who is successfully verified may receive the secure object by courier at the remote location within a limited time period of the request.

A computer system is provided, comprising a processor; a communications module coupled to the processor; and a memory module coupled to the processor and storing instructions that, when executed by the processor, cause the computer system to: receive an image representing a check; extract data from a portion of the image; identify routing data, based on the extracted data, from a recipient field associated with the check; and initiate an electronic transfer by sending a transfer message using the routing data.

For distributed incentive management, a server trains a neural network. An origination device creates an incentive record and an authentication record. The incentive record is communicated from the origination device to a recipient device. In response to the milestone being completed, the recipient devices communicate a milestone confirmation to the origination device through the network that the milestone is complete. The recipient device notifies an authentication device. The authentication device authenticates the milestone in response to the authentication device being at a task location and a biometric match. In response to the origination device storing the incentive record comprising both the milestone confirmation and a status authenticating the completion of the milestone based on the biometric match of the recorded biometric at the task location from the authentication device, transferring a payment of the incentive amount to a financial account stored in the incentive record.

A system and method for a dynamic-link verification process between an electronic device and a transaction or event. The first step is engagement by a mobile electronic device with an initiator that is linked with a specific verification event that triggers a text message to auto-populate on a mobile electronic device. The message comprising metadata about the user and the event or transaction. The second step is for the electronic device to send the auto-populated message to a message gateway thus initiating the verification of the user. The message gateway works with a management service and one or more databases to verify the identify and other aspects of the user based on instructions provided by the event host. Approval or denial of the transaction or request to gain entry is sent to the mobile device and the event host.

Systems and methods disclosed herein provide a geo-targeted online reservation system that ensures authenticity of customer devices requesting reservations by generating reservations only if threshold authentication conditions are satisfied. For example, a computing device registered with a server system receives inputs for requesting a reservation of a limited release product and for configuring the product. To authenticate the computing device, the server device transmits an electronic message to the computing device requesting the computing device to respond. A response to the message is one threshold authentication condition for generating the reservation. Upon determining that one or more threshold authentication conditions are satisfied, the server device generates a reservation for the product.