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.

Methods, systems, and apparatuses are described herein for improving computer authentication processes by generating authentication questions based on the availability of statements. A computing device may receive a request for access to an account. The computing device may receive transactions data that indicates a plurality of transactions. The computing device may determine that a first subset of the plurality of transactions were indicated in one or more statements sent to the user. The computing device may determine that a second subset of the plurality of transactions have not been indicated in the one or more statements sent to the user. The computing device may generate authentication questions based on the first subset and the second subset. The computing device may receive candidate responses to the authentication questions, and provide access to the account based on the candidate responses.

Systems and methods for confirming and/or updating account information are disclosed. The systems and methods may calculate relocation scores based on transaction data and device location data. The relocation scores may be based on locations of the transactions and/or locations of a user device beyond a registered customer address. A relocation score can be calculated based on a quantity of transactions having transaction locations beyond a first predetermined distance from the customer address as determined by transaction location identifiers. A relocation score can be calculated based on an elapsed duration of time since a customer transaction was completed within the first predetermined distance from the customer address.

The present disclosure relates to content management systems and methods that may support, among other things, content storage, content identification, content collaboration, online services, payment settlement, electronic contracts, reputation, recommendation, and/or steganography activities. Consistent with various embodiments disclosed herein, systems and methods are provided to facilitate creation of works of any type, to collaborate with co-creators, to make that work available in the marketplace, and to provide for an architecture where the identities of all the creators involved may be bound to associated objects and/or identifiers associated with them. Being securely bound to certain identities and the identifiers, creative works may be distributed, and the associated credits and contractual obligations may remain with them and the associated remunerations and obligations may be respected and fulfilled.

A system for verifying affiliate leads on an electronic device which may include processors, computer-readable memories, and computer-readable storage devices. The system may also include program instructions stored on at least one of the storage devices for execution by at least one of the processors via at least one of the memories, the stored program instructions may include detecting at least one potential customer transaction; assigning, to each transaction, a unique transaction identifier; assigning, to each transaction, at least one transaction parameter; selecting at least one transaction parameter; flagging, or not flagging, the transaction based on at least one selected transaction parameter. If the transaction is not flagged, the stored program instructions may further include firing an affiliate pixel. If the transaction is flagged, the stored program instructions may further include recording the unique transaction identifier and holding the affiliate pixel in a QA state.

There is provided a moving apparatus which includes a control unit that executes traveling control of the moving apparatus, an upper unit that has an article storage unit, and a lower unit that houses the control unit and a drive unit. The upper unit has an upper sensor that detects an obstacle in surroundings at a position of at least one of an upper surface or a lower surface position, and the lower unit has a lower sensor that detects an obstacle in a proximity area of a traveling surface of the moving apparatus. The control unit inputs sensor detection information, detects an obstacle in surroundings of the moving apparatus, executes traveling control to avoid contact with the obstacle, and performs control to display a traveling route recognition display line that indicates a traveling route of the moving apparatus.

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.

Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure is invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income is recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying cash access, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request is fulfilled, cash dispensed, and a deduction file associated with an employer of the user is updated.

Provided is a method for developing a geographic agnostic machine learning model. The method may include selecting transaction data associated with payment transactions conducted by a first plurality of users, wherein the transaction data includes first transaction data associated with payment transactions conducted by a first plurality of users in a first geographic area and second transaction data associated with payment transactions conducted by a second plurality of users in a second geographic area, formatting the first transaction data associated with payment transactions conducted by the first plurality of users in the first geographic area and the second transaction data associated with payment transactions conducted by the second plurality of users in the second geographic area to provide training data, and generating the geographic agnostic machine learning model using the training data. A system and computer program product are also disclosed.

A mobile device with a first transceiver, a second transceiver, one or more processors, and memory bridges communications between an offline retail machine with a short-range communication capability and a remote server by obtaining via the first transceiver a single-use request code from an information packet broadcast by the offline retail machine; transmitting via the second transceiver the single-use request code to a remote server; obtaining via the second transceiver from the remote server a grant token including the single-use request code; detecting a trigger condition for initiating provision of a product or service by the offline retail machine; and in response to detecting the trigger condition, initiating performance of the provision of the product or service by transmitting the grant token to the offline retail machine via the first transceiver.