Patent classifications
G06Q20/4015
HANDS FREE INTERACTION SYSTEM AND METHOD
A method is disclosed. The method includes receiving a broadcast signal from a beacon device, the broadcast signal encoding a first credential associated with a first entity. In response to receipt of the broadcast signal, the mobile communication device transmits the received first credential to an authentication system. The authentication system determines if the first entity associated with the broadcast signal is authentic and generates a confirmation message confirming the authenticity of the first entity. The mobile communication device then receives the confirmation message indicating that the first entity is authentic. The mobile communication thereafter receives and transmits a second credential for the mobile communication device to the beacon device, which transmits the second credential to the authentication system. The authentication system then confirms the authenticity of the mobile communication device. Then, the beacon device can initiate an interaction process with the user of the mobile communication device.
AUTOMATED TELLER MACHINES (ATMs) HAVING OFFLINE FUNCTIONALITY
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.
LOCALIZED ACCOUNT FREEZE FOR FRAUDULENT TRANSACTIONS
Computer-implemented methods and systems are provided for locally freezing a user account in a geographic or digital space. Consistent with disclosed embodiments, locally freezing a user account in a geographic or digital space includes receiving fraud data associated with the user account, the fraud data including a location where a fraud associated with the user account has occurred, wherein the fraud location includes at least one of a digital location or a geographical location; receiving account data associated with the user account, the account data including non-fraudulent account transaction information; generating a pattern of fraud based on the fraud data; generating a pattern of use associated with the user account based on the account data; determining a geodigital area for a localized account freeze based on the pattern of fraud and the pattern of use; and performing a localized account freeze on the user account based on the determined geodigital area.
TRAINING A MACHINE LEARNING SYSTEM FOR TRANSACTION DATA PROCESSING
A method of training a supervised machine learning system to detect anomalies within transaction data is described. The method includes obtaining a training set of data samples; assigning a label indicating an absence of an anomaly to unlabelled data samples in the training set; partitioning the data of the data samples in the training set into two feature sets, a first feature set representing observable features and a second feature set representing context features; generating synthetic data samples by combining features from the two feature sets that respectively relate to two different uniquely identifiable entities; assigning a label indicating a presence of an anomaly to the synthetic data samples; augmenting the training set with the synthetic data samples; and training a supervised machine learning system with the augmented training set and the assigned labels.
DYNAMIC ROUTE GENERATION FOR LICENSE-BASED PARKING ENFORCEMENT
Systems, methods, and apparatuses for real-time vehicular parking enforcement are provided. The system can include a data processing system (“DPS”) comprising one or more processors and memory. The DPS can receive data captured by one or more cameras. The DPS can detect entry of a vehicle into the facility. The DPS can determine an identification number for the vehicle. The DPS can track the vehicle to a parking spot. The DPS can generate a parking event for the vehicle. The DPS can establish a timer for querying a transaction processing system. The DPS can query the transaction processing system for transaction information associated with the identification number. The DPS can generate a violation event for the vehicle. The DPS can classify the violation event. The DPS can overlay, on a digital map of the facility, an icon on the parking spot that indicates the classification of the violation event.
COMPUTING SYSTEM FOR DISTRIBUTING CRYPTOCURRENCY TO NEW USERS
A computing system receives a code that is generated based upon an image of an iris of a first user. The image of the iris of the first user is captured by way of an iris scanning device that is under control of a second user. The computing system executes a search over a plurality of codes stored in a data store based upon the code, where the plurality of codes are generated based upon images of irises of a plurality of users. The computing system determines whether the code is included in the plurality of codes based upon search results for the search. Based upon a determination that the code is not included in the plurality of codes, the computing system causes an amount of cryptocurrency to be transferred to a cryptocurrency wallet of the first user.
BLOCKCHAIN TRANSACTIONS WITH LOCATIONS OBTAINED USING SURFACE-PENETRATING RADAR
Surface-penetrating radar (SPR) systems provide localization information for provision to a blockchain application. SPR can be used in environments, such as cities, where multipath or shadowing degrades GPS accuracy, or as an alternative to optical sensing approaches that cannot tolerate darkness or changing scene illumination or whose performance can be adversely affected by variations in weather conditions. In particular, SPR can be used to acquire scans containing surface and subsurface features as a vehicle traverses terrain, and the acquired data scans may be compared to reference scan data that was previously acquired within the same environment in order to localize vehicle position within the environment. If the reference scan data has been labeled with geographic location information, a vehicle's absolute location can thereby be determined.
Recommendation engine for bill splitting
Disclosed herein are system, method, and computer program product embodiments for providing recommendations for splitting bills. The approaches disclosed include the ability to obtain information about a bill to be split (such as a photo of the bill), and then use several machine learning models to determine the ‘who,’ ‘what,’ and ‘where’ of the underlying transaction. In particular, machine learning models described herein are used to perform facial recognition of a ‘selfie’ taken when a transaction was made against social media accounts to determine participants of the transaction. The machine learning models may also identify expected pricing from data about a merchant associated with the transaction, and expected amounts for each participant based on the expected pricing.
Systems for Providing Access To and Utilization of Transaction Card Information Via System-Level Settings Tiles and Methods of Use Thereof
Systems and methods involving provision of access to and use of transaction card information via system level settings are disclosed. In one embodiment, an exemplary method may comprise enabling a user to access, from a foreground app, one or more system-level GUI elements operable to retrieve card information from within a system-level settings tile of a user computing device, receiving a user request to access the system-level settings tile while the foreground app is still visible/active on the device's screen, providing the settings tile with GUI elements by which the user identifies a card to retrieve and use for a transaction, copying or retrieving the card information pertaining to the user-selected card, and generating one or more app-level GUI elements of the foreground app with the card information to enable an execution of an activity using the desired card within the foreground app.
Time sensitive geo-location data for push notifications after shared transaction processing
There are provided systems and methods for time sensitive geo-location data for push notifications after shared transaction processing. A user may utilize a communication device to perform electronic transaction processing for a group of users at a location. The device may be geo-location enabled so that a service provider may detect a location of the device. Based on the geo-location of the user at the time of processing and other nearby geo-location enabled device, the service provider may determine other users that share in the transaction and are associated with the user using messaging connections and shared data transmissions. The service provider may determine the transaction that the user processed. The service provider may request that the other users provide the required reimbursement to the user that processed the transaction data. The other users' devices may receive a push notification and data to perform transaction processing.