A system for verifying a user device for authorizing access to a wagering portal comprising: a server system comprising at least one server, at least one database, and at least one user device; a plurality of operable rules populated on said server system wherein said operable rules are met by actions performed by scanning by the user device one or more tags positioned within a geofence within a venue; verifying an identification card or another verification data confirm age of the user; verifying a location by determining whether the scan by the user device of the first tag was within a geofence corresponding to the venue; and upon verifying the age and a location, redirecting from a server a URL or a Web app to the user device to a wagering portal.

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.

An apparatus for validating an identity of an individual based on biometrics includes a memory and a processor operatively coupled to a distributed database and the memory. The processor is configured to provide biometric data as an input to a predefined hash function to obtain a first biometric hash value. The processor is configured to obtain, using a first pointer to the distributed database, a signed second biometric hash value. The processor is configured to define a certification of the biometric data in response to verifying that a signature of the signed second biometric hash value is associated with the compute device and verifying that the first biometric hash value corresponds with the second biometric hash value. The processor is configured to digitally sign the certification using a private key associated with the processor to produce a signed biometric certification and store the signed biometric certification in the distributed database.

Systems and methods are provided for group bill payment comprising creating a secure group bill payment account associated with a plurality of group members. The group bill payment account may be configured to receive information via a network from the plurality of group members; permit a group member to manage the group bill payment account following an authentication process; and transmit a group payment to a provider. Systems and methods may further comprise receiving instructions from a group member to create a rule for requesting payment, the bill being from a provider and associated with group members; receiving the bill issued by the provider; determining a charge based on the bill and the rule; sending a payment request based on the charge; receiving a deposit into the group bill payment account; transmitting a group payment; and sending a notification.

A system, method, and computer-readable medium for challenge-response authentication are provided. A plurality of codes is received over a communication network based on input provided by way of a user interface displaying a plurality of images. An alphanumeric string is generated based on the received plurality of codes and based on a table that associates each one of the plurality of codes with a respective one of the plurality of images and with a respective one of a plurality of alphanumeric characters. A determination is made as to whether to grant authorization based on whether the generated alphanumeric string matches an alphanumeric user identifier stored in a memory device in association with a user.

The present application provides a method, terminal device, server, system and storage medium for activating payment functions. The method is applicable to a terminal device. The method includes receiving a first input from a user; generating a payment function activation request in response to the first input, the payment function activation request including a payment function identifier for indicating various payment functions that are instructed to be activated for a target resource card; sending, to a server, the payment function activation request; and receiving an activation reply message sent by the server, the activation reply message comprising a target payment identifier generated by the server according to the payment function identifier, the target payment identifier including payment identifiers of the target resource card under the various payment functions that are instructed to be activated for the target resource card.

Systems and methods for authenticating identification information are disclosed. For example, a system may include an Automated Teller Machine (ATM). An ATM may comprise a user interface. The user interface may comprise a joystick. The user interface may be configured to receive joystick input from a user. The ATM may comprise at least one memory storing instructions. The ATM may comprise at least one processor configured to execute the instructions to perform operations. The operations may comprise receiving identification information from the user. The operations may comprise receiving the joystick input. The operations may comprise extracting a joystick sequence from the joystick input. When the joystick sequence is within a predetermined threshold from a stored joystick sequence corresponding to the identification information, the operations may comprise authenticating the user for an ATM operation.

Systems and methods are disclosed for data aggregation and efficient routing of the aggregated data for the settlement of payments. The method includes receiving, in real-time, transactions associated with an account of a registered user. The outstanding amount associated with transactions is aggregated based on a first preset time period. The payments for the aggregated outstanding amount are transmitted from a settlement account to an account of a merchant based on the first preset time period and/or a pre-determined total outstanding amount threshold. The transmitted payments are aggregated based on a second preset time period. The amount equivalent to the aggregated transmitted payments is transmitted from the account associated with the registered user to the settlement account based on the second preset time period. A user interface is then generated in devices of the registered user and merchant.

An automated payment delivery system is provided that combines electronic investigative data methods with fintech payment systems to deliver payments to payees. The system can be configured to receive payee account information, optionally enrich the payee account information through data discovered in public and private databases, automatically generate communications to each payee, verify the identity of the payee, send communications to the payee through a partner system, and initiate electronic payment to the payee.

Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.