Systems, apparatuses, and methods are described for adjustment of card configurations for flight interruptions. Past flight interruptions that users experienced may be determined. Transactions conducted via the users' payment cards during the past flight interruptions may be determined. The data may be used for determining customized metrics for adjusting card configurations of the payment cards during current flight interruptions. Default metrics for adjusting card configurations of the payment cards during current flight interruptions may be determined. Current flight statuses may be monitored for the users. Current flight interruptions may be detected for the users. Card configurations of the payment cards may be adjusted during the detected current flight interruptions.

Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.

An electronic device is disclosed. The electronic device includes a memory, a camera module, a communications module, and a processor that is configured to: receive first credentials identifying a user; transmit, via the communications module to an authentication server, a first signal including a request to verify that the first credentials are authorized for accessing a protected resource; when the first credentials are authorized for accessing the protected resource, receive, via the communications module from the authentication server, a second signal including an access token for use in authenticating the user on requests to access the protected resource; receive, from the camera module, image data associated with a machine-readable optical label, the optical label encoding transaction details of a first transaction; and generate a request based on the transaction details to access the protected resource for initiating the first transaction, the request including the access token.

The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.

A short-range payment system according to an embodiment of the present invention may include: a user terminal configured to transmit and receive a card information sound wave signal, which is a sound wave signal including card information, during operation in payment mode; a magnetic field converter configured to, when receiving the card information sound wave signal, extract the card information from the card information sound wave signal and generate a magnetic field that matches the extracted card information; and an MST payment device configured to perform payment processing by using the magnetic field generated by the magnetic field converter.

A safer settlement system as an alternative to a settlement system using a credit card is provided. The settlement system has a user terminal, a settlement device, and a settlement terminal. First, the user terminal receives inputting of a user ID, a password, and money amount information specifying a money amount (S912), and transfers the same to the settlement device (S913). The settlement device performs credit determination (S922), generates provisional permission information if credit is possible (S923) and transfers the same to the user terminal (S924). The user terminal generates a one-time password (S915). The one-time password is input to the settlement terminal (S931). If the one-time password transferred from the settlement terminal to the settlement device is same as a one-time password produced by the settlement device (S926), the settlement device authorizes user's payment (S927).

Embodiments disclosed herein include systems and methods for systematic crowdsourcing of geolocation data. Transaction data that includes an identification of a point of sale device and an identification of a payment vehicle used in the transaction can be received. A confidence in a location of the point-of-sale device can be calculated. When the confidence of the location of the point-of-sale device is lower than a threshold confidence, a location of a device associated with an owner of the payment vehicle can be determined. An updated confidence in the location of the point-of-sale device can be generated based at least in part on the location of the device.

A device may receive customer data, and store the customer data in a secure memory device of the device. The device may implement a backup mode in which the device utilizes the customer data to authorize requests based on determining that the device lacks a network connection. The device may receive, when the device is in the backup mode, a request for currency that includes authentication information. The device, while in the backup mode, may authorize the request for currency based on comparing the authentication information and the customer data. The device may dispense currency based on a result of comparing the authentication information and the customer data. The device may store transaction data associated with dispensing of the currency to permit the transaction data to be transmitted when the network connection is restored.

The present disclosure provides a verification device to verify a user for facilitating financial asset. The verification device comprises of a communication circuitry, a memory, a signal generator and a control circuitry. The control circuitry associated with the financial asset system to perform a method which includes a step of receiving a first set of data associated with demographic information of the user and validating the first set of data. In addition, collects a second set of data associated with professional information of the user and verifying the second set of data. Further, receives a third set of data associated with banking information of the user and authenticating the third set of data. Furthermore, generate a profile of the user in real time. Moreover, verifying eligibility of the user for the financial asset. Also, the financial asset system allocates the financial asset to the user.

Systems and methods are provided for managing foreign transactions. An exemplary method may include providing, to a device of the user, instructions to display an application interface. The application interface may receive user requests to specify a foreign geographical area and to enable and disable the foreign transaction service in the foreign geographical area. The method may also include receiving, through the application interface, a request to enable the foreign transaction service. The method may include associating a transaction rule with the payment account. The transaction rule may define a condition upon which approval of a foreign transaction is permitted. The method may also include receiving a foreign transaction authorization request associated with the payment account. The method may also include approving the foreign transaction authorization request when the condition is met and declining the foreign transaction authorization request when the condition is not met.