Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

A method for determining payment card provisioning availability may include an electronic wallet application executed by an electronic device: retrieving a profile identifier from memory; calling an issuing financial institution with the profile identifier for a number of eligible payment cards associated with the profile identifier; receiving the number of eligible payment cards associated with the profile identifier from the issuing financial institution; calling a provider for the electronic wallet application for a number of eligible payment cards that are already provisioned to the electronic wallet application; receiving the number of eligible payment cards that are already provisioned to the electronic wallet application; determining that the number of eligible payment cards is greater than the number of eligible payment cards that are already provisioned to the electronic wallet application; and displaying an option to add a payment card to a payment card to the electronic wallet application.

In one embodiment, a method includes receiving, by a transaction processing system, a request to access a customer account associated with the transaction processing system. The request includes a user identifier. The method includes determining that the user identifier is associated with an account record for a customer stored in a database associated with the transaction processing system. The method includes verifying authorization to access the customer account associated with the transaction processing system by sending a confirmation code via a communication channel associated with the user identifier. The method includes coordinating with a merchant account platform system to associate the customer account associated with the transaction processing system with a customer account associated with the merchant.

Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

A method for automatically providing a cryptocurrency to a recommender using social networking service (SNS) propagation includes an SNS friend recommending step, a new registration step, a reward rate determining step, a rewarding step, a transaction processing step, and a retransaction-based transaction processing step. The reward rate determining step includes the steps of determining a membership grade of a blockchain member recommended by the blockchain membership node according to the number of SNS friend IDs recommended and determining a reward rate for the blockchain member according to the determined membership grade. In the reward rate determining step, the membership grade of the recommended blockchain member rises as the number of the SNS friend IDs recommended by the blockchain membership node increases. When an SNS friend recommended by the blockchain membership node recommends another SNS friend, a weight is assigned to the membership grade of the blockchain member first recommended.

A zero-step user recognition and biometric access control system and method which comprises various sensors configured to capture a plurality of biometric data associated with a user, a database configured to store a plurality of user information including identifiable biometric data associated with the user, a biometric verification server configured to receive a plurality of biometric data from the sensors and user information from the database, and to return a confirmation of the user's identity, in order to provide real-time user recognition, authentication, and access control using biometric data.

An alert management and real-time remediation system is disclosed. The system may receive, from an institution, an electronic file that includes an exception information (EI) data structure comprising exception information representing events and customers associated with the events, and a contact information data structure comprising an electronic address for each customer. The system may automatically parse the EI into events associated with the customers, and for each customer, send an event notification message (EN) to the electronic address of the customer, wherein the event notification message includes a link to an authentication interface of the institution associated with the customer. Responsive to the customer being authenticated by the authentication interface, providing a user interface to the electronic customer device for display to the customer, wherein the user interface displays information for each event associated with the customer and display elements from which a user may select, including a display element for a payment option; and responsive to the customer selecting the payment option, generating and sending a payment message to the institution.

Systems and methods for providing authentication circles to pursue financial goals and/or share expenses with others are provided. One or more provider computing systems are communicatively coupled to one or more user devices. Users may join a circle and make contributions via electronic messages that may allow for acceptance in a one-click fashion. Members may, for example, plan for and share expenses for a trip and compare the expenses with budgets.

In one embodiment, a customer authentication system includes at least one sensor configured to provide location information of people around a product display section. A customer authentication device is configured to provide customer identification information. A processing device is configured to perform location tracking of the people around the product display section based on the location information from the one or more sensors. The number of people in a predetermined area around the first customer authentication device is then determined based on the location tracking. The processing device enables customer authentication via the customer authentication device if only one person is in the predetermined area and disables customer authentication via the customer authentication device if more than one person is present in the predetermined area.