Methods and systems for performing an advertisement-based electronic transaction are provided. According to one aspect, a system for performing an advertisement-based electronic transaction comprises a mobile backend server comprising a network interface, one or more processors, and memory. The mobile backend server receives, from a first electronic device, first information for identifying the user and second information for identifying an advertisement; identifies the user based on the first information; identifies an advertisement based on the second information; identifies a transaction object associated with the identified advertisement; determines transaction information for an electronic transaction involving the identified transaction object; determines payment information for the identified user; and initiates an electronic transaction using the transaction information and payment information. The first electronic device may be a mobile phone that captures the second information by scanning a QR code or by displaying an advertisement that the user clicks, touches, or otherwise selects.

A computer-implemented method for remotely verifying an identity of a user is presented. The method comprises a first data processing device (120) receiving a live video stream (102) of the user from a second data processing device (140) via a video data connection (108) having a video bandwidth. Establishing a separate data connection (110) between the first (120) and second (140) data processing devices, the data connection (110) having a data bandwidth. The first data processing device (120) receiving, via the data connection (110), identifying data (104) captured from an identifying means from the second data processing device (140), or another data processing device. The first data processing device (120) determining first biometric data based on the identifying data (104) and comparing to second biometric data based on the live video stream (102). The first data processing device (120) then verifying an identity of the user based on a correspondence between the first biometric data and the second biometric data.

A protection system for tracking and securing the purchase and sale of a controlled substance. The system includes a network and a database that stores information of a plurality of customers. The information regarding each customer is stored in an individual account, and the database further stores the information regarding government regulations on purchase and sale of the controlled substance. Also, the system includes a plurality of end user terminals to record transactions of the controlled substance. There is a server in communication with the database and the end user terminals over the network. The server includes a compliance reporting system. The compliance reporting system executes instructions to compare, in real time, information about one customer and the transaction to information stored in the database regarding the government regulations and the customer. In one embodiment, the system prevents the purchase of the controlled substance based on the comparison.

Embodiments of the invention are directed to systems and methods for utilizing a cache to store historical transaction data. A predictive model may be trained to identify particular identifiers associated with historical data that is likely to be utilized on a particular date and/or within a particular time period. The historical data corresponding to these identifiers may be stored in a cache of the processing computer. Subsequently, an authorization request message may be received that includes an identifier. The processing computer may utilize the identifier to retrieve historical transaction data from the cache. The retrieved data may be utilized to perform any suitable operation. By predicting the data that will be needed to perform these operations, and preemptively store such data in a cache, the latency associated with subsequent processing may be reduced and the performance of the system as a whole improved.

The present disclosure relates to server arrangement for operating, controlling and managing financial operations. The server arrangement implements a shared ledger for recording and storing financial data (e.g., financial transactions) of accounts that are supported by distinct licensed core banking engines. This may allow the server arrangement to implement the licensed core banking engines to perform financial transactions without the use of a payment processor. The server arrangement implements a virtual marketplace where banking services are rendered available to users. Each banking service may be sold by one of the licensed banks to a banking client entity and the banking client entity may select and bundle the banking services of the licensed banks and offer the bundle for sale to the clients in the virtual marketplace. This may facilitate operation for the banking client entities and management of financial assets for the user.

A method for facilitating a wireless transaction includes receiving, by a transaction fulfillment system, a transaction request from a transaction requester and verifying an identity of the transaction requester. After verifying the identity of the transaction requester, a transaction code is communicated from the transaction fulfillment system to a wireless communication device. After receiving the transaction code, the transaction code is optically scanned from a visual display of the wireless communication device by the transaction fulfillment system.

A computer-implemented method for providing personalized purchasing information to a user may include: obtaining first identification data of the user from a first engine; verifying a registration status of the user based on the first identification data; obtaining second identification data of the user from a second engine based on the registration status of the user; comparing the first identification data of the user and the second identification data of the user; initiating a real-time credit monitoring session based on the comparison between the first identification data of the user and the second identification data of the user; generating the personalized purchasing information of the user based on the real-time credit score of the user; and demonstrating the personalized purchasing information on a display of a device associated with the user.

Systems, methods, and computer-accessible mediums for user verification through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. User verification may be provided in the context of reading two types of data from the short-range transceiver, such as a contactless card, using a client device, sending the data to a server, obtaining identifiers from each data type and comparing with stored user identifier data. Matching stored user identifier data to two forms of identification data obtained from a short-range transceiver, such as a contactless card, provides an enhanced ability to verify that the short-range transceiver is being used by an authorized user.

Systems, methods, and interfaces for screening clients for security compliance with a Customer Identification Program are disclosed. An illustrative system for screening clients can include a client screening engine adapted to filter client account data based on one or more filtering criteria, a database adapted to store client account information and verification status information, and a graphical user interface adapted to selectively display client account information and verification status information for one or more selected clients on a screen. The system can be used to submit identity verification requests to Customer Identification Program vendors for only those clients whose identity have not been verified.

There are provided systems and methods for intelligent clustering of account communities for account feature adjustment. A user may utilize an online account with the service provider to process transactions electronic. However, initially the account may be unverified or otherwise untrusted, and limits on electronic transaction processing may be imposed on the account. To provide intelligent feature adjustment, the service provider may utilize a machine learning technique to cluster verified accounts into communities based on their data representations. Thereafter, when a transaction by an unverified account violates a limit imposed on the unverified account, the service provider may process the unverified account using a machine learning model trained for account correlations to the community clusters in order to determine a corresponding community cluster of accounts and adjust a feature based on behaviors and traits of the verified accounts in the community cluster.