A financial transaction method can include creating a token correlated to a financial account. The method can also include storing the correlation between the token and the financial account in a token database. The method can also include transmitting the token to a mobile computing device operating an application. The method can also include displaying the token on a display of the mobile computing device. The method can also include receiving, over a public network, the token and data associated with a first financial transaction. The method can also include confirming identity between the token transmitted to the mobile computing device and the token received from the secondary computing device. The method can also include transmitting over the public network, approval of the first financial transaction to the secondary computing device in response to the confirming.

Disclosed embodiments may include a method that includes receiving first identifying information associated with a first user from a computing device; determining a score based on the first identifying information; determining whether the score is less than a threshold; pseudo-randomly generate and transmit a one-time use number to the computing device when the score is less than the threshold. When the score is greater than or equal to the threshold, the method may include transmitting, to the computing device, second instructions prompting the first user to provide second identifying information. Responsive to receiving the second identifying information of the first user, the method may include determining that the second identifying information matches stored second identifying information. Responsive to the second identifying information matching stored second identifying information, the method may include pseudo-randomly generate and transmit the one-time use number to the computing device.

Provided are systems and methods for real-time identification of fraudulent users of an online resource such as a website or mobile application, including new user accounts that have yet to transact on the online resource. In one example, a method may include receiving, by a host platform of an online resource, a request from a user device associated with a user account of the online resource, creating, by the host platform, a device fingerprint of the user device based on a plurality of device attributes included in the request, determining, by the host platform, whether the device fingerprint matches a previously banned device fingerprint stored in a database by the online resource, and in response to a determination that the device fingerprint has been banned previously, automatically restricting, by the host platform, an ability of the user account with the online resource.

The present disclosure relates to computer-implemented methods, software, and systems for generating access tokens at an authentication server based on authorization codes. A first authorization server from a set of authorization servers receives a request for authorization of a request to access a resource by a resource owner. The first authorization server validates the request for authorization of the request to generate an authorization code. In response to successful validation of the request for authorization to generate the authorizaction code, the first authorization server generates a single-use authorization code by signing the generated authorization code with a unique private key. A unique public key is maintained for verifying the signed authorization code. The single-use authorization code is generated in a self-contained format. The single-use authorization code is provided to the client application for generation of an access token by one of the authorization servers from the set of authorization servers.

Systems and methods for alternative payment mechanism payments using ultra-wideband radio technology are disclosed. A method may include a payment terminal computer program executed by a payment terminal selecting a customer electronic device that is conducting the payment transaction with the payment terminal; communicating, via a payment terminal UWB radio to the selected customer electronic device, payment transaction details for the payment transaction comprising a merchant identifier and a transaction amount; receiving, from the selected customer electronic device via the payment terminal UWB radio, an APM payment message for an APM payment provider; communicating the APM payment message to the APM payment provider, wherein the APM payment provider is configured to decision the transaction based on the APM payment message; and receiving, from the APM payment provider, a payment confirmation for the payment transaction.

According to one embodiment, a mobile sales device has a storage unit configured to hold items to be sold, a driving unit configured to move the storage unit from location to location, a communication interface configured to connect to a server device, and a processor. The processor is configured to acquire position information indicating a call position designated by a call requesting user from the server device, control the driving unit based on the position information, acquire authentication information from a user at the call position to determine whether the user at the call position is the call requesting user, and permit execution of sales processing relating to items in the storage unit only if the acquired authentication information indicates that the user at the call position is the call requesting user.

System and methods for proximity-based mobile device person-to-person payments are disclosed. In one embodiment, a method for proximity-based mobile device person-to-person payments may include: (1) receiving, at a payment recipient computer application executed on a payment receiving mobile device, a requested payment amount for a payment from a payment recipient from a payment sender; (2) causing, by the payment recipient computer application, the payment receiving mobile device to enter a listening mode; (3) receiving, by the payment recipient computer application, a communication from a payment sender computer application executed by a payment sending mobile device; (4) wirelessly communicating, by the payment recipient computer application, the requested payment amount to the payment sender computer application; (5) wirelessly receiving, by the payment recipient computer application and from the payment sender computer application, payment information; and (6) executing, by the payment recipient computer application, the payment using the payment information.

Apparatus and methods for securing a transaction. The apparatus may include a transaction instrument. The transaction instrument may be configured to exchange transaction data to effect a transaction by engagement of a microprocessor with a transacting party. The transaction instrument may include a sensor. The sensor may be configured to sense an environmental parameter. The sensor may be in electrical communication with the microprocessor. The apparatus may run analysis using a distributed model. In the distributed model, heavy processing may be performed at the pattern registration platform, and light processing may be performed on on-board processors on the transaction instrument. The environmental parameter may be associated with one or more behaviors of the user.

A system, a device and a method for gold transaction, wherein, after logging into the membership account, the user can buy, sell, or pledge pre-register a gold card with identification information on the system or owned gold, gold jewellery, etc. through the interaction with the machine to obtain the corresponding payment in real time. Since each transaction and the gold sold by the machine will be recorded in the membership account. Accordingly, the system, the device and the method for gold transaction of the present disclosure can ensure the fairness of the transaction and the authenticity of the gold without the need for a third party agency.

Systems and methods for confirming and/or updating account information are disclosed. The systems and methods may calculate relocation scores based on transaction data and device location data. The relocation scores may be based on locations of the transactions and/or locations of a user device beyond a registered customer address. A relocation score can be calculated based on a quantity of transactions having transaction locations beyond a first predetermined distance from the customer address as determined by transaction location identifiers. A relocation score can be calculated based on an elapsed duration of time since a customer transaction was completed within the first predetermined distance from the customer address.