System for peer-to-peer lending, comprises a first borrowing customer application and a second lending customer application. The borrowing customer application requests a loan and detects a current location, the current location being transmitted with the loan request. The current location is inserted along with the loan request into a view shown at the second lending customer application to enable lending customers to consider a borrower's location when deciding whether to provide a loan.

Systems and methods are disclosed for automated fraud detection and analytics using aggregated payment vehicles and devices, at the individual and/or household level. One method includes receiving an authorization request for a payment transaction originating at a merchant, using a first payment vehicle; receiving device information of a first device used in the payment transaction; retrieving transaction data and identifying information associated with the authorization request before the authorization request is routed to a financial institution; searching and determining payment vehicles and devices associated with the individual using the retrieved identifying information; aggregating transaction data associated with the payment vehicles and devices from the transaction database; retrieving reported fraudulent activities pertaining to the payment vehicles and devices; and generating a profile data for the individual according to the identifying information associated with the authorization request, personally identifiable information (PII), the aggregated transaction data, and reported fraudulent activities.

Disclosed are a transaction verification method and a system. The method comprises: receiving request information for launching a transaction page that is sent by a user terminal, the request information for launching the transaction page comprising current position information of the user terminal and region restriction information pre-configured for the transaction page; verifying, according to the current position information of the user terminal and the region restriction information, a transaction action corresponding to the request information for the transaction page; if the transaction action corresponding to the request information for the transaction page is verified successfully, performing a transaction page response, and sending the transaction page to the user terminal, so as to enable the user terminal to perform the transaction action; and if the transaction action corresponding to the request information for the transaction page does not pass the verification, ending a transaction page response.

Systems, computer program products, and methods are described herein for the dynamic authentication of electronic interactions between electronic devices. The present invention may be configured to identify an unauthorized resource transfer from a source retainer, extract a resource transfer log, and determine an interaction associated with a previous resource transfer during which authentication credentials providing access to the source retainer were obtained without authorization. The present invention may be configured to extract data associated with the previous resource transfer, and historical data associated with historical unauthorized resource transfers. The data associated with the previous resource transfer and historical data may comprise spatial information, temporal information, and resource transfer device information. The present invention may be configured to correlate the data associated with the previous resource transfer with the historical data and identify a pattern associated with the unauthorized resource transfers. The present invention may be configured to construct a geo-fencing boundary based on the pattern and apply unique authentication credentials to received interaction requests from within the geo-fencing boundary.

A method for incentivizing repeat transactions within a prescribed geographic area using payment process network data includes acquiring a first set of transaction data from a payment network, creating a database of a second set of transaction data of transactions by an enrolled cardholder or merchant, identifying rewards eligible transactions and creating a database of rewards eligible transactions by enrolled cardholders at enrolled merchants, calculating rewards by querying the database of rewards eligible transactions and multiplying the amount by a factor, transmitting an instruction to a virtual card issuer to apply the rewards amount to a virtual payment card, receiving an authorization request to make a purchase using rewards, and determining if the transaction of the authorization request occurred within a prescribed geographic area in which rewards may be spent at enrolled merchants and if so authorization for the virtual card issuer to complete the transaction using the rewards.

The present disclosure describes a method for virtual card generation and provisioning. The method may include receiving a request comprising a list of a plurality of identifiers, the remote computing device transmitting the single request to the processor in response to the remote computing device detecting an event; parsing the list of the plurality of identifiers into a first set of identifiers and a second set of identifiers; retrieving a first restriction policy and a second restriction policy; generating a plurality of virtual cards for the plurality of entities by generating a first set of accounts and a second set of accounts; and linking a first set of virtual cards to corresponding accounts of the first set of accounts and a second set of virtual cards to corresponding accounts of the second set of accounts; and provisioning the generated plurality of virtual cards to the remote computing device.

A system that allows owners of Non Fungible Tokens (NFTs) to access an NFT via a physical item. The physical item may include authenticating information that enables the system to verify ownership of an NFT that is maintained in a remote database, such as a blockchain ledger. The item thus enables the owner to quickly and securely access the digital asset associated with the NFT via a reader, such as a smart phone or other computing device. The system provides a method for binding an NFT to the physical item, and a corresponding method for accessing the NFT and the related digital asset later using the physical item.

Introduced is a technology for withdrawing cash from a cash transaction machine (CTM) by use of a mobile payment application installed on a mobile device of a consumer user (“the CTM technology”). Briefly described, the CTM technology enables a consumer user to identify one or more CTMs from which to withdraw cash by using his/her mobile device (e.g., a smartphone) as a “virtual” card. A particular CTM can be a conventional ATM or a POS system at a merchant's place of business. The user can use a mobile payment application installed on the user's mobile device to identify any nearby CTMs, request a withdrawal amount from a particular CTM from the identified nearby CTMs, receive a transaction code specific to that particular CTM, and physically obtain, or collect, the cash representative of the withdrawal amount at that particular CTM using the transaction code.

Systems and methods related to resource distribution for a fleet of machines are disclosed. A system may include a fleet of machines each having an associated resource capacity and a resource requirement to perform a task. The system may further include a controller having a resource requirement circuit to determine an aggregated amount of the resource requirement and an aggregated amount of the resource capacity. A resource distribution circuit may adaptively improve, in response to an aggregated amount of the resource capacity, an aggregated resource delivery of the resource.

A system for verifying a user device and obtaining the right to purchase an NFT comprising: a server system comprising at least one server, at least one database, and at least one user device; populated on said server system are a plurality of operable rules wherein said operable rules are met by actions performed by scanning by the user device one or more tags positioned within a geofence; defining at least a first rule wherein said user device confirms ownership of a ticket corresponding to a first tag by sending a request to the user device to identify a digital record matching the tag ID; verifying a location by determining whether the scan by the user device of the first tag was within the geofence; and redirecting the user device to a page selling or offering for sale the NFT.