Exemplified systems and methods facilitate secured mobile payment transactions using credit cards, debit cards, bank account without having to transmit credit card, debit card, or bank account numbers over a wireless network. Rather, the exemplified systems and methods facilitate a highly secure and intuitive payment transaction and/or ATM cash withdrawal or transaction via two independent processes tied to a cloud or enterprise network—one performed between a customer computing device and a cloud network or enterprise network and another performed between a merchant computing device (including an ATM system) and the cloud or enterprise network. The validation token comprising a short code between 3 and 6 tokens in length is beneficially realized.

A biometric corroborator receives an enhanced sound file, a vehicular data provided by a vehicle, and telemetry data provided by the vehicle to a telematics server. It then uses these to corroborate each other before deciding whether to authenticate a proposed transaction.

Disclosed herein are system, method, and computer program product embodiments for generating and displaying virtual number information using augmented reality technology. Interaction with virtual number information may be provided via an augmented reality display in relation to a payment object that is detected within a real-time view of an augmented reality application. Exemplary operations of the augmented reality application include providing a real-time view via the mobile device, processing a payment object shown via the real-time view, generating a virtual number based on processing of the payment object, and utilizing the generated virtual number.

The disclosure provides systems and methods for identifying a mobile device when requesting a secure transaction. In a method conducted at a transaction server access to stored location data having been periodically received relating to a mobile device and stored with an identifier of the mobile device is provided. Historical location data having been stored locally at a mobile device is received from the mobile device when requesting a secure transaction. The historical location data received from the mobile device is matched to a subset of the stored location data to obtain or verify an identifier of the mobile device requesting the secure transaction. The mobile device requesting the secure transaction is associated with the identifier so as to identify or verify the identity of the mobile device requesting the secure transaction.

A method and system of increasing the security of requests to access funds from a joint bank account by secondary users in order to permit a primary user to securely regulate fund usage are disclosed. The system and method are configured to link to a bank account and restrict the access of funds by secondary users per conditions defined by the primary user(s). An application can be accessed via a computing device that receives requests for funds from secondary users and requires the secondary user to also submit a digital image or video that supports their proposed transaction. The request will only be conveyed to the primary user if the necessary digital verification is received by the system.

A server is communicably connected to a vendor terminal and a vehicle, and includes a controller. The controller is configured to, upon receiving, from the vendor terminal, a request for electronic settlement in respect of a service, perform a comparison of a location where the service is to be provided with a location of the vehicle, which is associated with a settlement means used for settlement of the service, and when a result of the comparison is within an allowable range, authorize the electronic settlement.

A system, method and apparatus for resource access control. An authorization record is created when a requestor has been authorized to access a resource, the authorization record created from an authorization event template stored on an authorization blockchain network. The authorization resource comprises one or more conditions that must generally be true in order for the user to access the resource. The authorization record may additionally comprise one or more permissions for the user to manage the resource.

Provided herein are systems, methods, and apparatuses related to instrument transfer facilitated by a dual-security process between at least three interacting devices. The system may include one or more servers configured to provide an instrument to a first computing device and to receive and process a request from a second, remote device verify whether the remote device is authorized to access data associated with the instrument. The system may authenticate the remote device using a two-step process including decrypting a set of encrypted verification data and authenticating the remote device via location.

A device may receive application data associated with transaction applications of client devices and transaction card data associated with transaction cards. The device may receive geographical data identifying a geographical area associated with users of the client devices and the transaction cards. The device may determine, based on the application data, the transaction card data, and the geographical data, location data identifying geographical locations of the users in the geographical area. The device may determine, based on the location data, quantity data identifying quantities of the users located on multiple paths of the geographical area. The device may process the geographical data, the location data, and the quantity data, with a machine learning model, to identify a path with less than a threshold quantity of users in the geographical area. The device may perform one or more actions based on the path.

Methods and systems are employed for ordering a repeat order from a merchant via an internet-connected vehicle by identifying a pattern by a user at a merchant, and based on the user's location automatically placing a repeat order without the user having to manually place the order. In other examples, the system determines that the vehicle is traveling towards a location of the merchant and, in response, transmits to the merchant instructions to prepare an order matching the repeat transaction.