Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilize a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.

Systems and methods for providing fare payment on fleet vehicles using user devices are disclosed. A system for providing fare payment may include a processing system on the fleet vehicle, a user device and a transportation services platform that communicate via a network. The processing device receives fare payment information from a user device and fare verification information from the transportation services platform. The processing system in the fleet vehicle then verifies that fare payment information and sends confirmation to the user device and/or the transportation services platform. In addition, the systems and methods may also provide a destination indication system that is accessed by the user device and/or equipment for manual indication that a destination is reached.

Disclosed is a system and method for authenticating secured file transactions in a tri-party setup. The system comprises of a first agent module, a second agent module, a server arrangement, and a distributed ledger communicably coupled with each other. The system is configured to store a hash corresponding to a transaction in the distributed ledger. The system is further configured to validate a first agent module and a server arrangement to authenticate transfer of secured files.

Disclosed is system and method for authenticating secured file transactions. Hash of transaction is stored in distributed ledger. Unencrypted intent, encrypted intent of first agent module is generated. Unencrypted consent, encrypted consent of server arrangement is generated. Encrypted consent is communicated to the first agent module along with a location of second agent module. Encrypted consent, the unencrypted intent, the hash and the first agent key are communicated to the second agent module. Encrypted consent is communicated to server arrangement. Encrypted consent is validated by comparing encrypted consent received from second agent module with two newly generated encrypted consents at server arrangement. Two new encrypted intents are generated at second agent module based on validation of encrypted consent. Encrypted intent stored at server arrangement is validated by comparing encrypted intent with two newly generated encrypted intents to authenticate transaction. Distributed ledger may be implemented by a block chain.

Methods, apparatuses and systems of payment verification are disclosed. A method includes receiving a request for connecting to a receiver access point (AP) from a terminal of a payer to be verified and geographical location information of the receiver AP, verifying whether account information included in the request matches with pre-stored payment account information; returning a verification result to the receiver AP; receiving a payer terminal geographical location information verification request from a payment server if the verification result indicates a match; verifying geographical location information of the terminal of the payer to be verified based on the geographical location information of the receiver AP; and returning a verification result of the payer terminal geographical location information verification request to the payment server. The method increases the security of a payment process and prevents a legitimate user from suffering financial losses and unnecessary troubles.

Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system registers a merchant system as a hands-free payment participant and provides a beacon identifier. The payment processing system receives a communication from a hands-free payment application on a user computing device, the communication comprising a transaction token, an identification of a user account, and the beacon identifier received by the user computing device via a wireless communication from a device associated with the merchant system and transmits the transaction token to the merchant system computing device. The payment processing system receives from the merchant system computing device, a transaction request, the transaction request comprising the token and transaction data associated with the transaction request and conducts the transaction between the user account and the merchant system based on the received token and transaction request.

Methods, computer-readable storage media and apparatuses for processing event notifications are disclosed. For example, a processor receives an event notification of an event from a device of a service provider that is providing a service to a user, wherein the network service provider is distinct from the service provider, determines that the service provider and the event are of a type of service provider and a type of event, respectively, that the user has consented to receive the event notification, sends a message in a unified message format to a device of the user, the message comprising the event, receives a response from the device of the user containing an indication of whether the event is an authorized event, and sends the indication of whether the event is an authorized event to the device of the service provider.

A method for the secure use of a personal identifier and/or financial instrument that may take place simultaneously with traditional methods of authorization for credit card, check, funds withdraw/transfer or purchase. Authorization according to the present invention may take place as follows: A) the Owner provides a pre-approval of authorization if the request meets an array of Owner-defined parameters; B) an authorization may be granted based on proximity of the Owner to the point of use; or C) the Owner provides a real time approval by smart device. In each case the invention subjects the request for authentication to a sequential verification procedure in which the request is tested against one or more pre-defined verification protocols, the deployed authentication protocol being pre-determined by the Owner and pre-selected in accordance with a user profile that was pre-programmed by the Owner.

A method, system, and computer program product for automatic and remote control of NFC transaction processing. The method includes receiving transaction data associated with a transaction, automatically requesting a token associated with the transaction from a transaction processing network in response to receiving the transaction data, receiving the token from the transaction processing network, automatically and wirelessly transmitting the token from a first device to a second device via NFC in response to receiving the token from the transaction processing network, automatically transmitting the token to the transaction processing network in response to receiving the token from the first device, receiving an authorization response associated with the transaction from the transaction processing network, and determining a compatibility of an application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response.

An example method includes receiving an application device identifier from an application device associated with a location tag; receiving blink data from the location tag; calculating, using a processor, location data based on the blink data; in response to an event occurrence indication, generating, using the processor, a camera data request based on the location data and the event occurrence indication; transmitting the camera data request; and receiving camera data from the application device in response to the camera data request.