A portable consumer device that is used to conduct a transaction at a merchant is authenticated. Information provided to a server computer includes locations of a merchant and a mobile communication device possessed by a consumer. If the location of the mobile communication device corresponds to the location of the merchant, the portable consumer device that is used to conduct the transaction is authenticated.

A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing network security. The system may receive customer credentials in association with an attempted transaction initiated by a user device that is connected to a local network. The system may receive network identification data associated with the local network and generate a network confidence score based on the network identification data and a historical local network footprint. The system may determine a security action based on the network confidence score.

A computerized method (200) of performing a purchase and an associated communication system are disclosed. A customer mobile computing device (CMCD) communicates (210) with a server computing device (SCD) to generate an order for the purchase. The server computing device (SCD) communicates (220) with a payment processor computing device (PPCD) to perform a first part of a payment transaction for the purchase, wherein the first part of the payment transaction involves reserving funds for the purchase. A merchant computing device (MCD) performs (230) a digital handshake procedure with the customer mobile computing device (CMCD). The digital handshake procedure involves short-range wireless data communication to verify spatial proximity between the customer mobile computing device (CMCD) and the merchant computing device (MCD). When spatial proximity has been verified, the merchant computing device (MCD) communicates (240) with the server computing device (SCD) to accept the order. The server computing device (SCD) communicates (250) with the payment processor computing device (PPCD) to perform a second part of the payment transaction, wherein the second part of the payment transaction involves capturing funds for the purchase.

The system to improve protection of financial cards during and prior to use includes a financial company server, a financial card assigned to a customer and the customer's mobile electronic devices. The company server has a software program that handles account monetary requests that come through financial networks. The server communicates with the owner/customer of the card via the mobile electronic devices. An application is supplied by the financial company for the card holder's devices. When a transaction is attempted, the system determines the distance between the attempted card transaction and the card holder's device. Based on the calculated distance compared to a stored limit, a suggestion to deny or accept the transaction is displayed on the device, as well as virtual accept and deny buttons. A map of the transaction and the device may be displayed, to assist the customer in their decision to accept or deny the transaction.

Systems and methods for executing an incoming transaction in response to a transaction location parameter associated with a plurality of tax treatment values are disclosed. An example system may include a smart wrapper to interpret a transaction request from a user, including a transaction amount value and a cryptocurrency type or a transaction location. The transaction location may be a geographic location, or a transaction jurisdiction. A transaction locator circuit may determine a transaction location parameter in response to the transaction request and, a plurality of tax treatment values corresponding to a plurality of transaction locations and select an available one of the plurality of transaction locations having a favorable tax treatment value. The smart wrapper may also direct an execution of the incoming transaction in response to the transaction location parameter.

Systems and methods for commanding an execution of a plurality of transactions in response to an improved at least one execution parameter are disclosed. An example system may include a controller having a transaction detection circuit to interpret a plurality of transaction request values, and transaction descriptions for a proposed or an imminent transaction, including a cryptocurrency type value and a transaction amount value. A transaction support circuit may interpret a support resource description including at least one supporting resource for the plurality of transactions. A support utilization circuit may operate an expert system configured to use machine learning to continuously improve at least one execution parameter for the transactions relative to the support resource description. A transaction execution circuit may command execution of the plurality of transactions in response to the improved execution parameter.

Systems and methods for predicting a present facility outcome based on historical facility outcomes. An example system may include a production facility with a production task and a controller. The controller may include a facility description circuit to interpret historical facility parameter values and corresponding outcomes. The controller may further include a facility prediction circuit with an adaptive learning system to train a facility production predictor in response to the historical facility parameter values and corresponding outcome values. The facility description circuit may also interpret present state facility parameter values and the facility prediction circuit operates the adaptive learning system to predict a present state facility outcome value in response to the present state facility parameter values. The adaptive learning system may determine input values related to outcome values, remove input values that are unpredictive of outcomes, and determine relationships between the input and output values.

Systems and methods for adjusting a configuration of a facility AI component to produce a favorable facility output value. An example system may include a facility with a core task and a controller. The controller may include a facility description circuit to interpret historical facility parameter values, facility resource profiles, and corresponding historical facility outcome values. The controller may further include a facility prediction circuit to operate an adaptive learning system configured to train a facility artificial intelligence (AI) configuration circuit in response to the historical facility parameter values and the corresponding outcome values. The facility description may also interpret a plurality of present state facility parameter values and the AI configuration circuit may adjust, in response to present state facility parameter values, facility resource profiles and a configuration of a facility AI component to produce a favorable facility output.

Techniques and arrangements for dynamically modifying a cardholder verification method (CVM) implemented at a point-of-sale (POS) device. In some instances, the techniques instruct a POS device to determine an attribute associated with a received payment instrument and determine, based on this information and via the issuing entity, whether to implement a default or static CVM or whether to apply a modified or dynamic CVM such that the POS device requests different verification information than if the POS device did not modify the CVM. The modified or dynamic CVM may be implemented if a customer's device, present at the location of the payment transaction, has installed thereon an application of the entity that has issued the payment instrument.

Systems, methods, and computer-readable storage media configured to facilitate execution of transactions via a money transfer network are disclosed. During execution of the transactions, tokenized identity information may be utilized when exchanging transaction data between geographically distributed nodes of the money transfer network and the transactions are recorded to a distributed ledger maintained by the nodes. Smart contracts may be utilized to digitally sign transactions at various stages of transaction processing, such as at different stages of regulatory compliance validation and to authenticate the validity of the requested transaction (e.g., prevent double-spends). Utilizing tokenized identity information may reduce the likelihood that personally identifiable information (PII data) is obtained by or inadvertently provided to unauthorized third parties or systems. Additionally, the distributed ledger may record information in immutable records, thereby increasing the reliability and trustworthiness (e.g., for auditing purposes) of the data stored on the distributed ledger.