Methods, systems, and apparatuses are described herein for authenticating access to an account using questions which allow users to provide textual information about transactions conducted by an account. A machine learning model may be trained to predict the guessability of merchants. A request for access to an account may be received, and transaction data for that account may be received. An authentication question may be presented. For example, a user may be prompted to list places they have shopped recently. A user response comprising text data may be received. The text data may be processed to identify one or more merchants. If the one or more merchant(s) are represented in the transaction data, the machine learning model may be used to determine the guessability of the one or more merchants. An authentication score may be determined based on the guessability, and access to the account may be provided.

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 wireless network, systems and methods, wherein each passenger-carrying rideable vehicle deployed in the system includes: a modular construction consisting of a lightweight body driven by an electric-battery driven motor, and specially adapted for receiving a customizable ornamental body having the appearance and personality of a particular or an inanimate object; motorized and/or animated elements disposed beneath the animal character skin covering for enabling animal behaviors and/or expressions that promote a fun and entertaining ride experience; an audio-transducers mounted within the animal character body for playing music from smartphone applications and animated animal character body portions to provide a sense of realism and excitement as the electric entertainment vehicle is ridden through an amusement facility.

A computer system receives an indication from a user that the user wishes to perform a mobile wallet transaction to transfer funds to a recipient using a mobile device. The transaction is authenticated by the computer system. The authentication includes receiving login credentials manually entered by the user and determining that the login credentials match stored login credentials for the user. The authentication further includes determining that the mobile device has a device token stored thereon that matches a device token stored in a database of the computer system. The device token uniquely identifies the mobile device in the computer system. The authentication further includes determining that the mobile device has a customer token stored thereon that matches the customer token stored in the database. The customer token uniquely identifying the customer in the computer system. The computer system transmits the funds to the recipient responsive to the authenticating step.

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.

Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and/or encrypt the card data.

The present disclosure provides a medium processing apparatus, including: a housing provided with a surface facing a customer operating the medium processing apparatus; and a rolled coin device housed in the housing and configured to process rolled coins formed by bundling a plurality of loose coins. The surface of the housing includes a designated area located in a height range conforming to Americans with Disabilities Act (ADA) standard with respect to a height direction of the medium processing apparatus, and a rolled coin dispensing port of the rolled coin device for dispensing the rolled coins is arranged in the designated area.

A method includes receiving, by a marketplace server, an acquisition request regarding an exchange item from a computing device, where the exchange item has exchange item information that include a set of use rules that govern utilization of the exchange item. The method further includes obtaining, by the marketplace server, dynamic external factors for the request to acquire the exchange item and determining variable contract function information based on the external factors in accordance with a smart contract approach. The method further includes sending an acquisition response to the computing device that includes the variable contract function information and the exchange item information. The method further includes obtaining, by the computing device, current dynamic external factors associated with the variable contract function information and generating, by the computing device, updated exchange item information for the exchange item based on the current dynamic external factors and the variable contract function information.

A mobile commerce system and components thereof are provided in which multiple wireless mobile communications devices (mobile devices) (1) each has a unique electronic identification and processing circuit (2) capable of encrypting data utilizing an encryption key and a first software application providing connectivity to commercial webpage servers (4) for purposes that include the conduct of selected transactions involving a payment for goods or services. Each mobile device is independently enabled to conduct financial transactions in real time by communication with a financial institution. Each mobile device further has a second software application termed mobile payment application adapted to interact with the first application to receive data as to a payment required to conclude a transaction conducted by way of a commercial webpage server. The mobile payment application initiates an instruction to the financial institution to make a payment to a payee designated by way of such data wherein the instruction is encrypted utilizing the unique electronic identification and processing circuit.

A self-authenticating credit card includes an input device for entering a PIN. The PIN is accepted by a micro-controller that uses the entered PIN as an encryption key for decrypting stored account information. A portion of the account information includes data, that when decrypted, contains an image that is rendered on an integral display, with account information sent to a transaction terminal. A timer is used to limit access to account data while in the unlocked state.