System and methods for tracking transaction flow through a customer service area. The present invention provides automated, non-intrusive tracking of individuals, based on a series of still image frames obtained from one or more colour sensors. Images of individuals are extracted from each frame and the datasets resulting from the cropped images are compared across multiple frames. The datasets are grouped together into groups called tracklets, which can be further merged into customer sets. Various pieces of metadata related to individuals' movement (such as customer location and the duration of each transaction state) can be derived from the customer sets. Additionally, individual images may be anonymized into mathematical representations.

A system, methods, and apparatuses are provided for valuation and exchange of stored value assets, information of value, and the transfer of value to or among individuals. The exchanged assets may be of a similar nature, e.g., music files exchanged for other music files, and exchange or trade of information such as rewards value or a restaurant coupon. The exchanged assets may also be other dissimilar assets exchanged between individuals and/or entities. The exchange may be initiated in numerous ways such as after completing a review, exchanging or trading a gift card, a prepaid card, a reward card, a coupon, a ticket, a pass, and/or the like when in proximity to a specific location or a location of some type or category, and/or exchanging or trading of other assets between individuals based on one or more constraints such as time, location, need, desire for the assets, and/or proximity.

A computer-implemented method, system, and computer program product is provided for authenticating a transaction. The method includes: receiving, on a mobile device associated with a user, a request from an authentication system, the request associated with a transaction requested by the user; obtaining, with the mobile device from a portable payment device, account data via radio frequency communication; obtaining, with the mobile device, mobile device location data including at least one of the following: GPS location data, telephone carrier location data, wireless network location data, or any combination thereof; encrypting, with the mobile device, at least a portion of the account data and the mobile device location data, resulting in at least one encrypted data packet; and transmitting, with the mobile device to the authentication system, the at least one encrypted data packet.

A system and methods include a negative certificate authority for distributed management of negative certificates. An authorization restriction is associated with an untrusted user. A negative certificate generated for the untrusted user includes a public key associated with the untrusted user and an authorization restriction. The authorization restriction includes at least one global restriction, which is applicable to each consortium member that subscribes to the negative certificate. The authorization restriction includes at least one local restriction, which allows individual consortium members to further define their own locally applicable restrictions using the negative certificate authority. The negative certificate is accessible to each member of the consortium to enforce the authorization restriction against a transaction request. A secure contributor record including a unique cryptographically generated address is generated for each contributor. In some embodiments, the transaction request is a blockchain-based value exchange transaction, such as a payment transaction using fiat or math-based currency.

A communications server apparatus 102 comprising a microprocessor 116 and a memory 118, the communications server apparatus 102 being configured, under control of the microprocessor 116, to execute instructions 120 stored in the memory 118, to: determine an estimated time of arrival (ETA) for the delivery trip, determine a level of confidence for the ETA, determine a delivery time threshold based on a delivery distance for the delivery trip, determine a customer sensitivity factor based on historical transaction data for a user related to the delivery trip, and determine an ETA buffer time based on the level of confidence, the delivery time threshold and/or the customer sensitivity factor. Also, a method, a user device, an e-commerce server and system.

Systems and methods are disclosed for payment system that uses one-time use tokens for securely facilitating and controlling user purchases using company funds. A user (e.g., driver) may generate a request to make a purchase using a user application. The request may be sent to a server running a payment system that may generate a one-time use token for the purchase of an item (e.g., fuel). The one-time use token may have an expiration time and may only be redeemable at certain locations (e.g., fueling stations) that have been preapproved. The system may send the user application running on the user device the token for purchasing fuel and approved locations. The user may input the token to a controller at an approved location which may request that the server authenticate the token and approve the purchase. Once authenticated and approved, the controller may permit the purchase of the desired item.

Systems and methods are disclosed for payment system that uses one-time use tokens for securely facilitating and controlling user purchases using company funds. A user (e.g., driver) may generate a request to make a purchase using a user application. The request may be sent to a server running a payment system that may generate a one-time use token for the purchase of an item (e.g., fuel). The one-time use token may have an expiration time and may only be redeemable at certain locations (e.g., fueling stations) that have been preapproved. The system may send the user application running on the user device the token for purchasing fuel and approved locations. The user may input the token to a controller at an approved location which may request that the server authenticate the token and approve the purchase. Once authenticated and approved, the controller may permit the purchase of the desired item.

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.

A system can be provided that can enable contactless access to service devices to facilitate secure transactions. For example, the system can include Internet of Things (IoT) service devices associated with a service provider. The system can also include a computing environment, which may receive an access request from a mobile device. The access request can be transmitted in response to a user of the mobile device performing a contactless authentication process with an IoT service device. The computing environment can then identify the IoT service device and can identify a user account associated with the mobile device and with the service provider. The computing environment can further provide access for the mobile device to functions of the IoT service device via a software application associated with the service provider. The functions can be used to facilitate secure transactions between the IoT service device and the user account.

A system and method for using at least location information to facilitate a transaction is provided. In one embodiment of the present invention, a mobile application operating on a mobile device is used to determine a location of the mobile device. Location information is then provided to a host device, where it is used to identify a merchant. Information is also entered (or acquired) to identify a shopping cart that is used during a shopping session. As items are placed within the cart, information concerning the items is presented to the user via a display on the cart and/or the mobile device. The first party can then interact with the same to enhance their shopping experience (e.g., access coupons, search for items, etc.). Once the user is done, the host device will charge a payment method linked to the user's account for items that are in the shopping cart.