Novel modular smart management devices in the form of drop safes include the modular components of a chassis, door and technology cabinet. The drop safes enable retailers to make cash deposits quickly and safely within or near their own facilities. Various technology, including RFID readers, RFID tags, and other equipment allow the drop safes to identify each deposited bag. Employees utilize specialized apps on their mobile devices to facilitate deposit creation and other tasks. Novel methodologies for accessing the drop safes for emptying employ single-use, time-expiration type authorization codes along with other security measures to minimize risk and to provide other benefits. Novel structures along with methodologies for replacing, on-site, modular components with auto-detection of functionality during initialization and re-initialization enables for efficient replacement and upgrading of components, including the upgrading of safes to provide additional functionality.

A computer-implemented method for providing personalized purchasing information to a user may include: obtaining first identification data of the user from a first engine; verifying a registration status of the user based on the first identification data; obtaining second identification data of the user from a second engine based on the registration status of the user; comparing the first identification data of the user and the second identification data of the user; initiating a real-time credit monitoring session based on the comparison between the first identification data of the user and the second identification data of the user; generating the personalized purchasing information of the user based on the real-time credit score of the user; and demonstrating the personalized purchasing information on a display of a device associated with the user.

Wait times at ATMs may undermine the utility of these self-service machines. ATMs are configured to provide faster self-service kiosks that allow users to quickly perform common financial transactions. However, it has been increasing common for user's to have to wait on line to access an ATM. Apparatus and methods are provided for a smart card that stages transactions by capturing the amount, pin and other necessary information on the smart card itself, before the user begins interacting with the ATM. Information captured by the smart card may be transferred to ATM when the smart card is inserted into ATM. The user does not provide the ATM with any additional information after inserted the smart card into the ATM, thereby improving the transaction processing efficiency of the ATM and enhancing user satisfaction.

A method and system identify characteristics of financial transaction description strings. The method and system trains an analysis model with a machine learning process to classify financial transaction description strings. The analysis model generates a table that indicates the portions of the financial transaction description strings that were relevant in classifying the financial transaction description strings and the portions that were not relevant.

A method includes verifying the identity of an individual. The method further includes receiving non-financial data from the individual and generating a user-level profile. The user-level profiles include the non-financial data received from the individual. The method further includes generating a user-level token unique to the individual. The user-level token is associated with the generated user-level profile. The method also includes provisioning the user-level token to a device associated with the individual. The method further includes receiving an identity verification request comprising the user-level token, wherein the identity verification request is structured as a financial transaction card-originated message, validating the user-level token, and analyzing a context of the received user-level token to determine a relevant non-financial data element included in the non-financial information within the user-level profile. The method also includes transmitting an identity verification approval including the relevant non-financial data element.

In some embodiments, a method of managing value of assets is provided. A graphical representation of a digital asset associated with a non-fungible token stored in a distributed ledger is provided. User attention to the graphical representation of the digital asset is tracked, and a value of the digital asset is adjusted based on a level of attention of the tracked user attention and a number of users interacting with the graphical representation of the digital asset. A corresponding system and non-transitory computer-readable medium are also provided.

Disclosed herein are a certificate verification method and apparatus using a Non-Fungible Token (NFT). The certificate verification method includes receiving a user Identification(ID) and a certificate image, extracting Optical Character Reader (OCR) data from the certificate image, generating metadata based on the OCR data, and verifying a certificate by comparing content of a token registered in a blockchain based on the user ID with the generated metadata.

Disclosed are systems and techniques for automatically pairing physical assets to a non-fungible token. For example, a process can include obtaining transaction information of a selected item associated with an online transaction between a user device and a provider system, the transaction information including a user identifier of a user of the user device. A digital wallet address of the user can be determined based on the user identifier, the digital wallet address associated with a digital wallet system. A non-fungible token (NFT) can be automatically generated based on the transaction information and in response to verifying the online transaction for the selected item. Information regarding the NFT can be provided to the digital wallet system in accordance with the digital wallet address associated with the user, wherein the digital wallet system updates information stored at the digital wallet address based on the information regarding the NFT.

Encryption is performed at the field level within a data object, in response to an encryption indicator. Encrypted fields are nulled or zeroed out and the encrypted values are stored in encryption metadata with a path identifying the locations of the encrypted fields. An encrypted data key is appended with a decryption identifier and stored in the encryption metadata. The encrypted data object may be reformatted while encrypted. The encrypted data key is extracted from the encryption metadata and the decryption identifier is used to identify a master key used to decrypt the encrypted data key. The data key is used to decrypt the encrypted values and the decrypted values are stored in the fields identified by the paths.

A system for a mobile gift card marketplaces is disclosed. The system may initiate a contactless payment at a merchant via a mobile app. The system may receive an authorization message based on the contactless payment. The system may execute an authorization process in response to receiving the authorization message to determine an authorized transaction. The system may validate the authorized transaction to determine whether the authorized transaction is associated with a customer. The system may execute a merchant validation process to determine if the authorized transaction is associated with a merchant. The system may determine an available gift card account balance of the customer associated with the merchant in response to determining the authorized transaction is associated with both the customer and the merchant. The system may execute a gift card redemption process to redeem the available gift card account balance of the customer associated with the merchant.