A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.

An information processing device includes a reception unit that receives moving process information indicating a moving process including a transportation and a commercial facility to be used by a user, and a generation unit that generates authentication information that is commonly usable at the transportation and the commercial facility to be used by the user in accordance with the moving process and is used for authenticating the user.

Methods and systems are employed for completing a transaction via an internet-connected vehicle by leveraging a multi-factor authentication to compare vehicle identification information and user identification information based on stored information. In addition, methods and systems are provided for completing a transaction via an internet-connected vehicle by automatic enforcement of business rules (e.g., parental control spending tools, or employee spending tracking tools).

A system and method for third-party food and dining ordering control using digital receipts, comprising at least one device capable of accessing the internet which may be a mobile device or personal computing device such as a laptop or desktop, a web application, and a point-of-sale system at a restaurant or retailer, wherein users of the web application may deposit funds into an account and set regulations on what they may purchase with the deposited funds, or have an administrator set up an account for them, allowing the administrator to regulate what the sub-user may purchase, in keeping with budget, diet, and lifestyle restrictions, which may utilize zero-step authentication to allow for seamless use of the service at certain establishments, and which may implement the generation and transmission of interactive digital receipts which can provide registered users with greater control over subordinate user accounts.

Systems and methods of improving the operation of a transaction network and transaction network devices through use of a digital wallet fraud guard system are disclosed. A digital wallet fraud guard system may comprise various modules and engines, wherein the probability that a transaction is fraudulent may be evaluated for establishing better secured usage of transaction instruments. For instance, a triggered alert indication may visually indicate to an account user a fraud risk associated with a potential transaction prior to the exposure of the transaction instrument. In this manner, the transaction network more properly functions according to approved parameters by diminishing the risk of data loss and lessening the value of the transaction network as a target for fraud and thus network intrusions and disruptions.

A computerized method for securely verifying age of users of remote devices interacting with provider resources includes receiving a request for age verification of the user; providing directly to the user device an interface for input of identifying data; receiving, from the user device, identifying data; providing, to a third party verification source, the identifying data; receiving, from the third party verification source, an indication of confirmation of the identifying data; determining, based on the received indication, whether a confidence level has been met; responsive to determining that a confidence level as been met, causing a token indicative of age verification to be generated; providing the token to the user device; providing a positive indication to the provider system, including identification of the token, and anonymizing user-identifiable data.

This application relates to re-provisioning of credentials, such as payment credentials, on a second electronic device from one or more credentials previously provisioned on a first electronic device. The one or more previously provisioned credentials may be stored on an external storage system and may be retrieved by the second electronic device for re-provisioning. The second electronic device may re-provision an instance of the one or more retrieved credentials for use in electronic transactions on the second electronic device using a secure element linked to the second electronic device and information that is unique to the one or more credentials being re-provisioned to the second electronic device.

Proposed is a scalable and computationally light approach to validating blockchains called the Catastrophic Dissent Mechanism (CDM). CDM uses anonymous actors who are free to join and leave the system as they please. The mechanism gives all actors strong incentives to behave honestly, both as individuals, and as members of coalitions who might benefit in compromising the integrity of the blockchain. As a result, CDM offers users Strategically Provable Security (SPS). CDM provides a foundation to create an ecosystem of federated chains which can share heterogeneous tokens using different business logic. As a result, new instances of chains can be created to serve as inexpensive, scalable platforms for a wide variety of blockchain applications and to provide a path for existing instances to be upgraded or altered without the use of hard forks or breaking the rule that code is law.

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.

Systems and methods for facilitating mobile payment transactions with a plurality of vendors is described herein. An example method includes maintaining consumer information. The consumer information includes a plurality of respective account profiles associated with a plurality of consumers. The method also includes transmitting vendor content associated with a first vendor to a user's mobile computing device, and transmitting vendor content associated with a second vendor to the user's mobile computing device. The method further includes facilitating a plurality of mobile payment transactions with the user on behalf of the first and second vendors using a respective account profile associated with the user.