Disclosed herein are systems, methods, and devices for transaction methods for mobile wallet operations in a casino. Various embodiments are directed to applying funds to a user's mobile wallet by transactions at a kiosk, cage, Peripheral System, or other system of the casino. Embodiments are also directed to applying credit to an electronic gaming machine of the casino. Embodiments are also directed to returning or redeeming credit from an electronic gaming machine of the casino to the user. Embodiments are also directed to transferring credit from a mobile wallet to external funds.

Embodiments of the present invention are directed to a “one-click payment” scheme for streamlining customers' online checkout experiences. According to one particular embodiment, a customer can use a computing device to be authenticated and receive a unique, one-time token to make a one-click payment during an online checkout process. The one-time token may be encrypted and directly associated with a payment account which the customer is authorized to access. The online merchant may forward a transaction request including the one-time token and purchase amount to an authorization server which would verify the token and charge the corresponding payment account.

Systems, apparatuses, and methods of making (initiating and processing) an event-based automatic transaction on behalf of a user including and not limited to, determining an event geolocation impacted by an event and determining that the user is at the event geolocation based on a user device geolocation received from a user device of the user. In response to determining that the user is at the event geolocation, the event-based automatic transaction is automatically initiated and processed to digitally purchase goods or services on behalf of the user.

The disclosure provides a light-interactive system and a light-interactive control method. The light-interactive system includes: a light-interactive jewelry, an intelligent terminal, a light receiving device, and a cloud; wherein the light-interactive jewelry receives a control instruction sent by the intelligent terminal, emits a light signal according to the control instruction, loads a random password onto the light signal to form an encrypted light signal, sends the encrypted light signal to the light receiving device, and sends the random password to the cloud; the light receiving device receives the encrypted light signal sent by the light-interactive jewelry, and sends a confirmation password in the received encrypted light signal to the cloud; the cloud matches the confirmation password with the random password, generates an operating instruction according to a matching result, and sends the operating instruction to the light receiving device; and the light receiving device further controls an intelligent hardware according to the operating instruction. The disclosure can realize contactless control on intelligent hardware and improve interaction safety and interaction efficiency.

Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include providing a registry of public keys to allow users to securely exchange mobile payment data with respective trusted merchants, sending a request from a computing device of a user to validate a merchant, storing a public key for the merchant from the registry, receiving a merchant identifier from a terminal during a mobile transaction indicating that the terminal is associated with the merchant, receiving a request for information from the terminal as part of the mobile transaction, determining whether the terminal requesting the information is trusted, providing the requested information encrypted using the public key to the terminal when the terminal is trusted, and providing decoy response information to the terminal when the terminal is determined to be untrusted.

Systems and methods are provided for authorizing an electronic transaction. In one implementation at least one processor is programmed to receive electronic transaction data and historical transaction data, the electronic transaction data including an entity identifier component and an amount component of an electronic transaction; determine, based on the entity identifier component and the amount component, a location of the electronic transaction in a space of a distributed representation space, the distributed representation space comprising a mapping of electronic transaction components in a high-order space; determine locations of the historical transaction data in the distributed representation space; determine a decision boundary in the distributed representation space based on the locations of the historical transaction data; and authorize the electronic transaction based on the location of the electronic transaction being within the decision boundary.

Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.

Disclosed herein are system, method, and computer program product embodiments for using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, a machine readable image may be transmitted to the mobile device. When the customer visits the ATM, the machine readable image on the mobile device may be captured by the ATM and sent to an application server from the ATM. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.

Methods and systems for providing merchant in-context checkout are described. A user is authenticated based on credentials received from a first application running on a computing device. An authentication code is provided to the first application. A signed verifier and the authentication code is then received from a second application running on the computing device. The authentication code and the signed verifier received from the second application are then validated, and a device token is provided to the second application upon validation. The device token is exchangeable by the second application for an access token that is usable for making payment calls from the second application.

Apparatuses, methods, program products, and systems are disclosed for accessible remote deposit capture. An apparatus includes a position module that determines a position of a hardware device relative to a document based on input captured from a camera of the hardware device. An apparatus includes a direction module that determines one or more directions for moving a hardware device relative to a document to position the document within a predefined area of a field of view of a camera. An apparatus includes an accessibility module that provides accessibility feedback via a hardware device based on determined one or more directions. Accessibility feedback includes feedback for assisting a user that has a visual impairment with positioning a hardware device such that a document is within a predefined area of a field of view of a camera.