A verification application executing at a user's mobile phone directs the user to take a photo of an identification document (e.g., driver's license or other form of government issued identification) or of their face. After the verification application sends the image to a backend service, the service may then dispatch a drone to the user's location and take a photograph of the user. The service may then validate the previously-imaged document or photo of the user's face against the photograph of the user and the geolocation sent with the first image. The service may then verify the new account and provision a token to the verification application to complete a secured account generation.

To make customer check promptly and properly in response to a request for purchase of a 3.sup.rd app developed by a 3.sup.rd party using an application store operated in a foreign country. A management server 100 manages online store sale for making only an application stored in an app DB 250 and registered for online store sale available for purchase. The management server 100 comprises: an ordering processing unit 112 that judges whether the requested application to be purchased from a user is a 3.sup.rd app developed by a 3.sup.rd party; and a sales approval processing unit 113. If the application requested to be purchased is the 3.sup.rd app, the sales approval processing unit 113 notifies the user of a state waiting for approval by the 3.sup.rd party, and gains approval of sale of the 3.sup.rd app by transmitting a notification to the 3.sup.rd party requesting customer check.

A method and system for processing a payment authorization request associated with a payment card is provided. The method comprises: receiving by a server location, updates from a user device based on at least one criterion for location updates from the user device; determining by the server, a cardholder's location based on the location updates; determining by the server, a transaction location based on analysis of a payment authorization request associated with a transaction; generating by the server, at least one of a transaction authorization approval and a transaction authorization denial in connection with the payment authorization request based on selectively matching the transaction location with the cardholder's location at the time of the transaction.

A system and computer-implemented method for detecting and addressing billing fraud by an asserted provider of a good or service based on location data associated with card-based financial transactions by an asserted recipient and collected, stored, analyzed, and acted on by a payment card network to determine and respond to a likelihood of fraud. A computer stores locations of the recipient based on uses of a payment card over a time period, and determines a location of the provider based on location data associated with a card reader at a particular time at which the good or service was allegedly provided. The computer compares the two locations for the particular time and generates a fraud score based on a likelihood that the recipient was physically capable of being at the provider location at the particular time, and based on the score, may notify the recipient and decline the payment request.

A universal fare payment and collection system configured to allow users to purchase tickets and/or passes for a plurality of public transport authorities using a single account or device. The system is configured to detect a first ticketing technology of a first nearby transportation system, configure the traveler's electronic device for authorizing at least one of a ticket and a pass via the first ticketing technology, detect a second ticketing technology of a second nearby transportation system, the second ticketing technology being different from the first ticketing technology, and configure the traveler's electronic device for authorizing at least one of a ticket and a pass via the second ticketing technology.

An information processing device includes a reception unit that receives moving process information indicating a moving process including a transportation and a commercial facility to be used by a user, and a generation unit that generates authentication information that is commonly usable at the transportation and the commercial facility to be used by the user in accordance with the moving process and is used for authenticating the user.

Techniques discussed herein describe an example system for verifying the identity and location of a customer in a bank branch parking lot. A server determines whether to provision a service for a vehicle based on telemetry data received from a telemetry module on the vehicle in a fleet of vehicles. The telemetry data includes a first location and status information of the vehicle. The server identifies a vendor to provide the service and directs the vehicle to a second location of the vendor from the first location of the vehicle. The server provides authorization to the vehicle for an on-board transaction module to initiate a request for the service when the vehicle is at the second location of the vendor.

The present disclosure involves systems, software, and computer implemented methods for providing rapid approval of blockchain-based transactions. This includes approval of transactions prior to the transaction being written to the blockchain. A transaction system can register with a transaction manager, such as a cloud-based or cloud transaction manager, which can maintain a queue of pending transactions and provide approval for transactions in real-time or near real-time, while later verifying the pending transactions are written into the blockchain as expected. This allows the transaction system to securely confirm the transaction is approved prior to the transaction being written in the blockchain, based on a real-time or near real-time analysis of each customer's corresponding account and transactions.

Systems and methods of improving the operation of a transaction network and transaction network devices through use of a digital wallet fraud guard system are disclosed. A digital wallet fraud guard system may comprise various modules and engines, wherein the probability that a transaction is fraudulent may be evaluated for establishing better secured usage of transaction instruments. For instance, a triggered alert indication may visually indicate to an account user a fraud risk associated with a potential transaction prior to the exposure of the transaction instrument. In this manner, the transaction network more properly functions according to approved parameters by diminishing the risk of data loss and lessening the value of the transaction network as a target for fraud and thus network intrusions and disruptions.

A system, method and apparatus in which a client computer initiates and communicates a distributed ledger transaction either to an individual node in a network of distributed ledger nodes or to the network itself, which transaction is labeled with a nanosecond scale timestamp, encrypted using quantum event generated random binary data and then securely transmitted to other ledger nodes in the network at substantially the same time. Networks may consist of traditional wireline and wireless networks, cloud networks and 5G wireless networks in any combination and configuration. Using the invention, distributed ledger networks may take the forms of blockchains, transactionally integrated multiple distributed ledgers, decentralized exchanges, or immutable distributed databases. After the transaction is transmitted, additional messages necessary to the completion of the transaction are communicated between ledger nodes in the network using the same or similar system, method and apparatus.