A method including collecting transactional information from a mobile application on the mobile device. The mobile device can be used by a user to initiate an activity at a risk moment. The method also can include aggregating a set of risk signals. The method additionally can include obtaining a first set of risk rules for a model specific to the activity requested by the user. Each risk rule of the first set of risk rules can define weights when the risk rule is triggered based on one or more risk signals of the set of risk signals. The method further can include executing a risk engine using the first set of risk rules for the model and using the set of risk signals to generate a risk score. The risk score can be based on the weights of triggered risk rules of the first set of risk rules. The method additionally can include generating a disposition based on a comparison of the risk score to one or more predefined thresholds scores for the model. Other embodiments of related systems and methods are disclosed.

Systems, methods, articles of manufacture, and computer-readable media for determining specific terms to activate a contactless card. An application executing on a server may receive a request from a device specifying a uniform resource locator comprising encrypted data, the encrypted data based at least in part on a private key assigned to a contactless card. The application may decrypt the encrypted data and determine a type of the contactless card. The application may determine a plurality of terms associated with the type of the contactless card and transmit the terms to a web browser on the device. The application may receive, from the web browser, an indication specifying acceptance of the plurality of terms. The application may store, based on the decryption of the encrypted data and the received indication specifying acceptance of the terms, an indication in a database specifying the contactless card is activated for use.

The present disclosure generally relates to a computer system displaying user interfaces for accessing passes and transfer accounts. In some examples, passes are added to the computer system. In some examples, passes are accessed. In some examples, transfers relating to the passes and transfer accounts are displayed, such as in search user interfaces.

A first user device may request a provisioning system to create a restricted mobile payment account on a second user device. The provisioning system may send a registration notification to the second user device to trigger registration of the restricted mobile payment account. The provisioning system may also cause creation of the restricted mobile payment account based on account information received with the request from the first user device.

The present disclosure generally relates to a computer system associated with a first user identity and a user interface for configuring an account for use by one or more devices associated with a second user identity. The user interface includes a control for selecting between a first account option that enables transfers between the account and only a first set of user accounts and a second account option that enables transfers between the account and a second set of user accounts, the second set of user accounts including the first set of user accounts and one or more additional user accounts associated with additional users. In response to receiving a request to configure the account, the account is configured with the first account option when the first account option is selected and the account is configured with the second account option when the second account option is selected.

Provided is a non-transitory computer-readable recording medium on which an executable program is recorded, the program causing a processor of a computer to execute outputting, to a display, information obtained by a comparison between a parking fee that increases in accordance with a lapse of a parking duration in a toll parking lot and a balance of a payment method.

In order to process a mobile transaction offline, a user terminal transmits a mobile transaction code and a merchant terminal ID to a payment information transmission server and the payment information transmission server transmits a payment information message including the mobile transaction code to a merchant terminal, so that it is possible to process mobile transactions through a unified user interface despite different payment plans of various payment service providers.

Embodiments described herein include methods and systems for remotely managing appliances, including enabling communication between a user of the appliance and third party systems. The third party systems can include any entity that has a relationship with the user of the appliance, such as a payment infrastructure handling incremental payments for the appliance, and managing access to the appliance accordingly. In some embodiments, the appliance being controlled is a mobile phone that also includes third party operating system software. Various methods for preventing alteration or replacement of the third party operating system are also described.

Customized instant apps are generated for transaction cards based on at least sender information, receiver information, and transaction information. The instant apps are executed by an operating system without previous installation by the operating system and are discarded after execution. A receiver device executes the transaction card instant app in order to transfer the transaction card to an online digital wallet. This process can be completed without burdening users to sign into online digital wallet systems to manually transfer transaction cards.

A universal fare payment and collection system configured to allow users to purchase tickets and/or passes for a plurality of public transport authorities using a single account or device. The system is configured to detect a first ticketing technology of a first nearby transportation system, configure the traveler's electronic device for authorizing at least one of a ticket and a pass via the first ticketing technology, detect a second ticketing technology of a second nearby transportation system, the second ticketing technology being different from the first ticketing technology, and configure the traveler's electronic device for authorizing at least one of a ticket and a pass via the second ticketing technology.