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.

Computer-implemented systems and methods for initiating a transaction, the transaction generating a validation request to verify a customer's identity, the validation request requesting a first unique randomized identifier from a mobile payment cloud; transmitting the first unique randomized identifier to a customer device, the first unique randomized identifier being forwarded to the mobile payment cloud as a second unique randomized identifier to validate the transaction; receiving an authentication from the mobile payment cloud based on a result of validating the transaction; transmitting a customer identification code and the cash value to an interbank network as an interbank transaction request; receiving a response from the interbank network regarding the interbank transaction request; and processing the transaction based on the response from the interbank network.

Systems and methods for managing mobile payments is provided. An account issuer provides an application that is loaded onto a mobile device, which enables a consumer to pay for transactions. The mobile payment application generates a unique code. The code is read by the point of sale terminal, which is then provided to the payment management system. The payment management system contracts the account issuer and authenticates the code, thereby receiving a primary account number. Account number and transaction information is used to authorize the transaction via payment systems. The payment system accepts or declines the transaction in a response. Tokens may be generated for the account number, and value added services may be generated based upon user behaviors.

Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction.

One or more embodiments of this specification provide a computer-implemented method and apparatus for blockchain-based transactions. The method includes: receiving a target purchase transaction which comprises identification information of a purchaser user of a target product and a payment asset proof of the purchaser user; and invoking, based on the target purchase transaction, a first smart contract deployed on a blockchain to execute a purchase of the target product, and to distribute, to the purchaser user, the target product in a quantity corresponding to the payment asset proof.

This specification discloses devices and methods for a security concept that includes an immobile hardware token (e.g., a wall token that is fixed within a wall) which ensures that the more sensitive actions of electronic banking (e.g., money transfers of large sums to foreign bank accounts) can only be done from the account owner's home, but not from a remote place. However, other less sensitive (and lower security risk) actions can still be done from anywhere else. In some embodiments, the hardware token includes sensors to ensure that the token is not moved or tampered with, interfaces to provide distance bounding, and a crypto-processor to provide secure authentication. The distance bounding can be used to determine if the authentication device is in close proximity to the hardware token, which can in turn ensure that the authentication device is within the account owner's home.

A method for determining transportation fares includes: receiving a plurality of user data points for a user, wherein each user data point corresponds to a geographic location of a user including at least the geographic location and a timestamp; receiving a plurality of transport data points for each of a plurality of transportation vehicles, wherein each transport data point includes at least a geographic location of the respective transportation vehicle and a timestamp; identifying a specific transportation vehicle used by the user based on a correspondence between the geographic location and timestamp included in the plurality of user data points and the geographic location and timestamp included in the plurality of transport data points received for the specific transportation vehicle; determining a fare amount based on at least the identified specific transportation vehicle; and transmitting at least the determined fare amount.

There are provided systems and methods for intelligent display of location-specific graphics based on device metadata. A device or a service provider may detect device metadata during data processing, which may be used to determine a specific graphical icon or emoji that can be utilized in messaging associated with the data processing. For example, during transaction processing, a device may be detected at a merchant location based on transaction metadata. The merchant location may have a specific emoji that may be utilized for the merchant location and in messages sent while associated with the merchant location and/or processing a transaction at the merchant location. The device or service provider may populate the emoji in an interface of the device in place of or with a standard emoji that can be utilized with the message. The emoji may be selectable when entering text of the message or replace entered text.

A method for authorizing a mobile payment transaction is provided that is based on device locations. The method includes receiving, by a server, a request from a point of sale (POS) device to authorize a payment transaction involving a payment facilitating device. In an embodiment, the request includes payment information of the payment transaction and location information of the POS device. When the request is received, an authorizing client device for the payment transaction is identified based on the payment information from the payment facilitating device. The request to authorize the payment transaction is granted when it is determined that the authorizing client device is located within a predetermined distance from the POS device.

A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.