A system includes a customer database that stores user information concerning a plurality of customers, a network interface configured to communicate data over a network, and a processing circuit comprising a processor and memory. The memory is structured to store instructions that are executable by the processor and cause the processing circuit to receive an indication that a customer is within a predetermined distance from an automated teller machine (ATM), transmit, responsive to receiving the indication, an authorization signal to a customer computing device associated with the customer, the authorization signal configured to activate an ATM pre-stage function of an application implemented on the customer computing device, receive, by the network interface over the network, customer transaction preferences from the customer computing device, and authorize an ATM transaction at the ATM based on the received customer transaction preferences.

Spending digital currency without owning digital currency may be facilitated. The user may use a software application running on the user's computing platform to scan a digital currency public address quick-response code (QR), or a near-field-communication (NFC) based public address. The user may be prompted to swipe-to-authenticate the transaction. The user may authenticate the transaction by fingerprint-swiping a biometric-enabled transitory password authentication device. The biometric-enabled transitory password authentication device may transmit an encrypted transitory password a server via the user's computing platform. Upon receiving and verifying the transaction, the server may send an amount of digital currency to the target address on behalf of the user. The server may charge the user's debit card an equivalent amount of sovereign currency.

A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.

Mechanisms for presenting media content items using multiple devices are provided. In some embodiments, methods for presenting media content are provided that include: detecting an offer to initiate a purchase of a content item being presented using the media device, wherein the media device has not been authenticated with a content service that provides the content item; in response to detecting the offer to initiate the purchase of the content item when the media device has not been authenticated with the content service that provides the content item, causing the media device to be discoverable by one or more mobile devices that are connected to a same local area network as the media device; encoding offer data corresponding to the detected offer to initiate the purchase of the content item; in response to receiving a status request from a mobile device that is connected to the same local area network as the media device, transmitting the encoded offer data associated with the purchase of the content item to the mobile device, wherein the encoded offer data causes a payment user interface to be presented on the mobile device; receiving a cast request from the mobile device to cast the content item on the media device; and in response to the cast request, executing a receiver application on the media device that accepts the cast request from the mobile device and causes the content item to be presented using the media device.

An approach is disclosed on a blockchain platform for authenticating clients. A public and private key is created at a client device. The private key into is split two or more parts. The split private key part is split into to two or more client devices including a first client device and a remaining client devices. Signing to authenticate a challenge to login using a partial key part occurs at the first client device. The challenge is sent to the remaining client devices wherein the remaining client devices that sequentially sign using short range wireless network connection and respond back to the challenge to login without a password.

A point exchange apparatus includes a storage unit storing electronic money information for identifying electronic money available for each of a plurality of users, an information acquisition unit acquiring exchange conditions from an information terminal used by a first user, an exchange quantity determination unit that determines a first release quantity of first electronic money the first user exchanges for second electronic money and a second acquisition quantity acquired by the first user among the second electronic money available for the second user, and an exchange processing unit that executes an exchange process in which the second acquisition quantity of second electronic money is stored in the storage unit as usable electronic money in association with the first user and the first release quantity of first electronic money is stored in the storage unit as usable electronic money in association with a user who is different from the first user.

An electronic device is provided. The electronic device includes a communication module, at least one processor, and a memory configured to be operatively coupled to the at least one processor, wherein the memory stores instructions configured to, when executed, cause the at least one processor to identify information on a first country in which the electronic device is located through the communication module, perform payment based on a first authentication method corresponding to the identified information on the first country in response to a first payment application execution request, and change the first authentication method to a second authentication method corresponding to information on a second country in response to detection of a change from the first country to the second country through the communication module.

A method for inline passive payment may include a passive payment computer program: (1) identifying a communication from an electronic device associated with a customer for a merchant backend; (2) intercepting the communication; (3) generating a unique identifier for the communication; (4) communicating the unique identifier to an issuer backend associated with the customer; (5) anonymizing the customer and/or the electronic device in the communication; and (6) routing the anonymized communication to the merchant backend with the unique identifier. The wherein the merchant backend is configured to request payment for a transaction involving the electronic device by providing transaction information and the unique identifier to the issuer backend, and the issuer backend is configured to issue a guarantee of payment for the merchant backend for the transaction using the unique identifier.

A system and a method for using a payment card account to conduct a transaction are provided. The method includes: receiving a transaction initiation request for conducting a proposed transaction with a merchant; identifying, based on the received transaction initiation request, a payment card account to be used for conducting the proposed transaction; determining, based on the received transaction initiation request, whether first information that includes a cardholder name and an account number has previously been provided to the merchant; and when the first information has previously been provided to the merchant, using the first information to conduct the proposed transaction. The transaction initiation request includes merchant information, identificad on informad on that relates to an object to be purchased, and price information.

Introduced here is a blockchain-secured repository that authenticates actions between mutually unsecured entities. In particular, the blockchain-secured repository stores origination data indicative of actions involving particular objects. By doing so, the repository enables secured interaction between unsecured parties by comparing origination details to subsequent reproductions of the origination details of each action. Additionally, the repository compares origination data with reproductions of the data prior to the reproduction becoming public. If the reproduced data contradicts the original data, the reproduced data is prevented from becoming public. The unsecured parties can also store data indicative of the origination terms between the unsecured parties in the blockchain-secured repository. Thus, the repository can objectively automate the processing of the terms. The purpose of the blockchain-secured repository is to provide a data-based approach to authenticating actions between unsecured parties.