Disclosed embodiments may include a method for automatically providing customized financial card incentives where the system can identify if a transaction is eligible for additional bonus rewards by determining if the user is a student using a clustering algorithm with user similarity data to generate a probability. Then, if the probability is above a predetermined threshold, a machine learning model with comprehensive user data classifies the user as a student or non-student. Once the user is determined to be a student, the transaction is verified as being an educational purchase using the transaction data or by having the user provide an image of a receipt. Once the transaction is verified, the transaction or items within the transaction qualify for additional rewards that are applied to the user’s account. Users who are not identified as students may qualify for a standard amount of rewards.

Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).

The disclosure relates to a motor vehicle having a user recognition device, a user interface, a communication interface for wirelessly providing information to the external environment of the motor vehicle, and a control device. The control device is configured: to register the user on the basis of his determined identity; to select a payment function on the basis of the operating signal; to provide the order data signal during the use of the motor vehicle by the registered user, which signal describes an order data set that describes the registered user’s payment process information that is coupled to the selected payment function and is stored in the user profile; and to transmit the provided order data signal to the communication interface for communicating the payment process information to an extravehicular communication interface of an extravehicular data server device.

A system and method is disclosed for evaluating a plurality of cryptocurrencies, the method comprising monitoring and storing volatility data for a plurality of cryptocurrency exchanges; analyzing the stored volatility data to generate one or more risk forecasts indicating risks associated with purchasing cryptocurrency through each of the cryptocurrency exchanges; determining a number of transaction factors for purchasing cryptocurrencies and selecting a cryptocurrency based on the transaction factors.

A system for providing notifications to client devices that includes one or more processors and one or more storage devices. The storage devices may store instructions that, when executed, configure the processors to perform operations. The operations include receiving a transaction notification from a third party; identifying a user account associated with the transaction notification; generating a push notification with a payload describing instructions to display a message and an interactive icon, and a resource identifier associated with the interactive icon, where the resource identifier includes a message ID encoding an interactive session and an action ID encoding a requested action. The operations also include transmitting the push notification to a client device associated with the user account; receiving a first indication indicating a user interaction with the interactive icon, the first indication having the resource identifier and updating the user account based on the action request.

The invention provides improved verification solutions for blockchain-implemented transfers. It is suited for, but not limited to, implementation in an SPV wallet. In accordance with one embodiment, a method, system or resource is provided in which Bob verifies a Merkle proof for a first transaction and, upon successful verification, submits a second transaction to the blockchain. The second transaction has an input that spends an output (UTXO) from the first transaction. Generally, the invention provides an arrangement in which Bob sends Alice a payment transaction template (template Tx3) and requests: the full transaction data for all input transactions (Tx1, Tx2) comprising at least one output that Alice wants to spend as inputs to a transfer (Tx3); the Merkle path for all input transactions (Tx1, Tx2) linking them to their respective Merkle roots associated with their respective block headers; the completed transfer transaction (Tx3). Alice provides this information plus her signature and optionally a change address. Bob can then perform local SPV checks on the input transactions Tx1, Tx2 using transactions Tx1 and Tx2, their corresponding Merkle paths Path 1, Path 2, and Bob's local list of block headers. Bob broadcasts the transfer transaction (Tx3) to the P2P network.

Arrangements for account linking and dynamic device selection are provided. Registration data including one or more user accounts and/or payment devices may be received. A request to process a transaction may be received via a first device. User data may be retrieved to identify other devices. One or more external entities may provide user profile data including raw customer data and encrypted authentication data. A hash of the encrypted authentication data may be generated and stored. The system may dynamically generate a rendering displaying one or more payment devices available for selection. A second payment device may be selected and authentication data associated with the second payment device received. A hash of the authentication data may be generated and compared to the stored hash of the encrypted authentication data. If the hashes match, the transaction may be processed. If there is not a match, the transaction may be denied.

A method, a system, and a computer program product for executing a secure data exchange. A first information associated with a first computing device in the plurality of computing devices is authenticated by determining a validity of the first information. A verification certificate is generated and stored upon authenticating of the first information. An access identifier for accessing the verification certificate stored at a storage location is generated. An access to the verification certificate is provided upon a request to verify the first information from at least a second computing device in the plurality of computing devices, where the request includes the access identifier and the first information.

A system and methods for network-enabled cannabis product delivery and driver release of funds, comprising at least a plurality of network-enabled portals for data entry, legality and identification checks, and more, allowing a user to order delivery of cannabis products from local retailers using third-party drivers that register with the system, for compensation, and allowing for feedback and automated communication between a retailer, driver, and customer using the system, with a driver being able to release funds to a retail outlet after pickup of the order.

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.