Secure authentication and delayed transaction processing for booking management systems is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system can maintain and process authentication information associated with traveler payment cards, and provide virtual payment information to the third-party services for delayed transactions. The third-party services may later initiate the delayed transactions using the virtual payment information, without being required to perform authentication processing on the traveler payment card information maintained by the booking management system.

A near-field communication (“NFC”) tag identifier (ID) associated with an establishment obtain by scanning an NFC tag at a location in the establishment using a wireless device of a patron is received. Login credentials associated with the patron and the wireless device are received. A location of the patron in the establishment is determined from the login credentials associated with the patron and the wireless device, and from the NFC tag ID. An available service of the establishment is communicated to the wireless device of the patron based on the login credentials associated with the patron and the wireless device, and from the NFC tag ID. The identified location is associated with exact order items so the service staff is able to keep track of an order made by the patron.

The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).

A method for implementing a trip using an autonomous vehicle includes obtaining a geolocation of the autonomous vehicle. A destination for the trip using the autonomous vehicle is received by the autonomous vehicle. Two or more possible routes for the trip are determined by the autonomous vehicle. A fare is determined by the autonomous vehicle for each of the two or more possible routes. Information regarding the two or more possible routes for the trip and for the fare for each of the two or more possible routes for the trip is presented by the autonomous vehicle. A selection of one of the two or more possible routes is received by the autonomous vehicle. The autonomous vehicle is permitted vehicle to initiate the trip using the selection of the one of the two or more possible routes.

Systems and techniques for a device controls system are described herein. In an example, a device control system for managing access to personal account data is adapted to receive, from a user device, a set of personalized transaction rules for an account of a user. Each personalized transaction rule may indicate a set of transactional parameters for permitting transactions with a service. The system may be further adapted to receive a transaction request from the service. The transaction request may include contextual data related to the transaction request. The system may be further adapted to determine that the contextual data meets the respective transactional parameters of a personalized transaction rule of the set of personalized transaction rules. The system may be further adapted to transmit, to the service, an indication of permission for the transaction request.

Incentives are offered by merchants, delivery services, issuers, acquirers, and transaction handlers are made to an account holder to make an authorized e-commerce transaction for the delivery of a purchase in exchange for the offerors making a donation to the account holder's designed charity. To incent purchases from local merchants, the incentive may limit the donation by a derivation of navigation time between account holder and merchant. The consumer uses any one of several different merchant websites to check-out so as to purchase the selected goods and services in the account holder's virtual shopping cart that the account holder selected from any of the several different merchant websites, while avoiding interacting with third party vendors. The consumer shops with different merchants at different webpages without requiring the account holder to use a separate permission or log-in for each different merchant. The account holder receives the packaged purchase in tamper evident packaging, and has access to chain of custody documentation and blockchain data sufficient to assure a certification of quality for the purchase in the delivered package. The consumer receives the package purchase from a delivery service by a process that is socially distanced with contactless acceptance of the packaged purchase. The consumer receives a survey by which feedback communications can be provided about the delivery of the packaged purchase.

A server can include a detection module for monitoring an electronic account and detecting irregular or fraudulent activities. The detection module can be a machine learning model configured to detect activities or patterns indicative of an account being compromised, hacked or accessed by unauthorized users. Upon detection of the irregular activities or patterns, the detection module can transmit a notification or signal to a trigger module which can implement remedial actions. The trigger module can receive the signal from the detection module and execute an action in accordance with a trigger plan. The trigger plan can include various information and a range of actions, which can be selected and/or executed based on the information included in the signal.

A payment network server for processing a cashless payment transaction via a point-of-sale (POS) terminal associated with a merchant server is described. The server comprises a data storage device comprising instructions operative by a processor to: receive a tokenization request comprising payment account credentials; generate a token associated with the payment account credentials; transmit the token to the customer electronic device, where the token is transmitted to a card for processing the transaction at the POS terminal; receive a transaction request comprising the token and a payment amount; perform de-tokenization on the token to identify the payment account credentials associated with the token; transmit an authorisation request that comprises at least the payment account credentials and the payment amount to an issuer institution; receive an authorisation response comprising an indication of approval or refusal; and transmit a payment transaction response comprising approval or a refusal to the merchant.

In at least one embodiment, a system for enabling an electronic transaction for a purchase based on wireless communication is provided. The system includes at least one transceiver and an electronic authentication card. The electronic authentication card includes the at least one transceiver to initiate a purchase for a user. The electronic authentication card is programmed to wirelessly receive a plurality of wireless signals from at least one transmitter and process the plurality of wireless signals to generate first information indicative of a location of the electronic authentication card. The electronic authentication card is further programmed to wirelessly transmit the first information to a server and to wirelessly receive location coordinates from the server identifying the location of the electronic authentication card based on the first information.

Apparatuses, methods, program products, and systems are disclosed for accessible remote deposit capture. An apparatus includes a position module that determines a position of a hardware device relative to a document based on input captured from a camera of the hardware device. An apparatus includes a direction module that determines one or more directions for moving a hardware device relative to a document to position the document within a predefined area of a field of view of a camera. An apparatus includes an accessibility module that provides accessibility feedback via a hardware device based on determined one or more directions. Accessibility feedback includes feedback for assisting a user that has a visual impairment with positioning a hardware device such that a document is within a predefined area of a field of view of a camera.