Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system. The choreographer system may transmit an electronic transaction request message to at least one of a routing engine, an account ledger system, an audit system, and/or a transaction system.

Disclosed embodiments may include a system that may receive, from a user device associated with a user, authentication rule(s), each authentication rule associated with respective merchant(s) and comprising respective required authentication factor(s) for completing a transaction with the respective merchant(s). The system may identify a user has navigated to a merchant webpage and may determine at least one rule of the authentication rule(s) associated with the merchant. The system may identify first required authentication factor(s) corresponding to the at least one rule, and may cause the user device to display, via a GUI, the first required authentication factor(s). The system may receive, via the user device, authentication information associated with the user. The system may determine whether the authentication information satisfies the first required authentication factor(s). Responsive to making that determination, the system may enable the user to complete a transaction via the merchant webpage.

Methods, systems, and apparatuses are described herein for improving computer authentication processes through presenting favorite merchants selection in transaction-based authentication. A computing device may receive a request for access to an account associated with a user. The computing device may train a machine learning model to determine predicted favorite merchant information, and provide one or more transactions conducted by the user as input to the trained first machine learning model. Data indicating favorite merchant information may be received from the trained first machine learning model. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.

Various aspects described or referenced herein are directed to different methods, systems, computer program products, and graphical user interfaces for facilitating online sale, transfer, and/or exchange of whole or fractional ownership interests of wager-based, sports related electronic bet tickets originating from different sportsbook providers.

Systems, computer program products, and methods are described herein for implementing continuous authentication in ambient resource transfers. The present invention is configured to receive, from a user input device, a request to execute an ambient resource transfer for a predetermined period of time; initiate a continuous authentication engagement routine, wherein the continuous authentication engagement routine further comprises: continuously transmitting a first block of data from the data stream authentication engine to the user input device for the predetermined period of time; continuously receiving a second block of data in response to the first block of data; continuously verifying the digital signature in the second block of data during the predetermined period of time; and continuously authenticating the user input device based on at least verifying the digital signature; and continuously authorize the ambient resource transfer for the predetermined period of time.

The present teaching relates to methods, systems, and programming for financial management. In an example, a method for performing financial management is presented. A first set of rules associated with a first access credential to an account and a second set of rules associated with a second access credential to the account are provided. The second set of rules is at least partially different from the first set of rules. A determination is made whether the access credential received from a first user matches the first access credential. A first request related to the first user with respect to a transaction is received, and information regarding the transaction is extracted. At least one action is determined with respect to the first request based on the information and the first set of rules.

An electronic device includes a display; a plurality of communication circuits; at least one memory configured to store instructions; and at least one processor configured to execute the instructions to: receive a first user input requesting use of a service provided via a user authentication based at least in part on interworking with an external electronic device, based on receiving of the first user input, identify a context of the electronic device by using at least one of the plurality of communication circuits, identify a first authentication scheme corresponding to the context from a plurality of authentication schemes registered with respect to the service for user authentication, control the display to display a first visual object indicating the first authentication scheme to authenticate a user of the service, authenticate the user through the first authentication scheme based at least in part on at least one second user input received when the first visual object is displayed, and in response to the authentication of user, provide the service based at least in part on interworking with the external electronic device.

Processing a payment from a payer to a payee (operating a first computing system), by a second computing system, by receiving an electronically-generated payment transaction instruction (identifying the payer, specifying the amount of the payment, and specifying a communications link for the second computing system to obtain financial account information from the payer) from the first computing system, obtaining the financial account information from the payer via the specified communications link, generating an electronic data token representing the financial account information, outputting the electronic data token for transmittal to the first computing system (where the first computing system does not receive the financial account information and the second computing system does not provide the electronic data token to the payer), obtaining the amount from the payer using the financial account information, and forwarding at least a portion of the amount to the payee.

A method for processing a transaction of a communications terminal, asking a server, through a communications network, for processing of a transaction involving the use of payment data. The method is implemented within the communications terminal. The method includes: transmitting a request for obtaining a certification code to the payment method whose data is used for the transaction; receiving the certification code coming from the payment method; inserting the certification code into a transaction data structure; transmitting the transaction data structure to the server; and when the certification code received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.

A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.