A method of processing a settlement includes setting a chatroom for interaction with a payment method; and sending payment details using the payment method to the chatroom and sharing the payment details with a member participating in the chatroom.

Aspects of the disclosure relate to geocoding geocode datasets in KYC blockchain data blocks for spatial analytical risk modeling. In some embodiments, a computing platform may receive a client request to initiate a transaction with an enterprise organization. Using financial documentation and identification documentation associated with the client request, the computing platform may generate geocode coordinates and may identify a series of geographic risk factors. The computing platform may translate the geocode coordinates and the geographic risk factors into analytical overlays. The computing platform may stack the analytical overlays to generate an interactive spatial risk analysis model. The enterprise organization may use the interactive spatial analytical risk model to analyze the client request, and to determine whether to approve or deny the client request.

A method performed by a processor of a provider computing system includes allowing an account holder at the provider to initiate a transaction with the provider remotely (e.g., via smartphone, online banking, etc.), by submitting a request for a specified transaction to be picked up in a lockbox at a provider's lockbox location. The pickup and completion of the account holder's requested transaction occurs at a lockbox location that has a plurality of lockboxes. The lockbox allows the account holder to access the facility at the account holder's leisure, both in time and location. The lockbox pickup service alleviates the uncertainty, fluctuating time cost, and inconvenient operating hours by allowing the account holder to request transactions with an easy to use interface resulting in a lockbox to be accordingly prepped so that the account holder can provide the proper authentication information and access the lockbox.

Provided is a system for developing a geographic agnostic machine learning model. The system may select 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, normalize 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, generate a machine learning model using the training data, and determine a classification of an input using the machine learning model. A method and computer program product are also disclosed.

A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

The disclosed systems, servers and methods provide a novel transaction management framework that is configured to electronically manage, enable and/or control electronic transactions and their related data pursuant to current regulatory statutes, laws and legislature (e.g., Wire Act). In some embodiments, all transactions are controlled in a novel manner so as to require them remain within (e.g., originate within, be processed within and/or complete within) a desired (or required) geographic region or other desired (or required) boundary. Some embodiments reliably restrict all transactions and related data to a specific geographic area which is governed by one or more specific regulatory entities.

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.

Techniques are disclosed relating to determining whether geographic locations of a user computing device satisfy a location consensus threshold. A computer system receives results of a plurality of location determination operations, each of which specifies a geographic location of a computing device initiating an action. The computer system then makes a determination whether the received results satisfy a consensus threshold as to geographic location of the computing device. In some embodiments, the determination is usable to select, from a plurality of sets of rules for different geographic regions, a particular set of rules for processing the action. In some cases, the particular set of rules is usable to determine whether to process the action. Such techniques may advantageously allow a processing system to understand how to process actions initiated by a computing device associated with different geographic locations.

Described are systems and methods to verify the identity of an evaluated device that has been previously identified and evaluated remotely from a reader device. The reader device obtains from an evaluated device temporally changing information, where the temporally changing information includes a unique identifier associated with the evaluated device and a proximity indication. The reader device verifies the temporally changing information by verifying that the unique identifier is contained in the temporally changing information, that the unique identifier is stored in a database associated with the reader device, and that the temporally changing information includes the proximity indication indicating that the evaluated device and the reader device are proximate to each other. Upon verifying the temporally changing information, the reader device obtains the price of the evaluated device, based on the unique identifier associated with the evaluated device. Upon obtaining the price of the evaluated device, the system compensates a user associated with the evaluated device.

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.