A method and apparatus for data mirroring are described. In one embodiment, a method for implementing country-specific data locality to cause data related to local transactions to be stored within the country in which the transactions occurred, comprises: capturing a set of transaction data associated with a set of transactions into a first cloud-based storage resource; and, according to a configuration file, performing data mirroring across a heterogeneous set of cloud providers using a plurality of stages executed by one or more processors.

Systems, methods, and computer-readable storage media utilized for authenticating and authorizing payments. One method includes receiving one or more biometrics and authenticating the one or more biometrics of the customer based on accessing a customer authentication database and comparing the one or more biometrics to one or more stored authentication templates. The method further includes receiving context information gathered by the POS device, wherein the context information includes a plurality of context elements that describe a context of the transaction and selecting a customer payment profile from a plurality of customer payment profiles identified by the one or more biometrics of the customer. The method further includes authorizing the payment for the transaction from a payment account associated with the selected customer payment profile and sending, to the POS device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.

Systems and methods for use in identifying payment accounts to segments are provided. One exemplary method includes receiving a first indicator for a first location from a communication device, where the communication device is associated with a consumer and the consumer is associated with a payment account issued to the consumer by an issuer. The method also includes appending, by a computing device, the payment account to a first segment based on the first location indicator, and causing at least one rule associated with the payment account to be modified where the at least one rule relates to authorization of transactions in a first region including the first location.

A system for providing frictionless transfer of tickets at a venue comprising: a server system comprising at least one server, a processor, and a database; at least one user device; and at least one unique ticket ID corresponding to a particular seat or ticket; wherein the server performs the following method: accessing the system via the user device and identifying a first ticket corresponding to an event, said first ticket having a unique ticket ID; validating ownership of the first ticket through a confirmation process by validating the unique ticket ID and storing the same within the database; identifying a second ticket for exchange; and confirming the exchange of the first ticket and the second ticket.

A logistics system for managing a network of independent delivery partners may include models to detect delivery defects. The models may generate defect scores for each onboarded delivery partner. The system may collect delivery data to continuously update the models. The updated models may score delivery partners for early detection of delivery defects and determine remediations steps. The system may train one or more models to determine the scores based on a terminating step of the delivery steps. The scores may indicate a likelihood the terminating step was caused by intentional action or by accident. The system may determine remediations steps based on the likelihood of intentional action.

Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on spending patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time that may indicate the types of merchants that a user frequently transacts with. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate authentication questions about those spending patterns that are easily answerable to an authentic user but difficult to guess or circumvent for any other user.

Systems and methods for initiating and/or facilitating a financial transaction in response to detecting and translating a spatial gesture may be provided. A payor transaction device may be capable of detecting, via a motion-detecting device, a payor spatial gesture corresponding to a payment gesture of one or more predetermined spatial gestures and, responsive to detecting the payor spatial gesture, receiving payee account information from a payee transaction device. The payor transaction device may also be capable of transmitting, to a payor computing device, transaction data comprising the payee account information and data indicative of the payor spatial gesture. The payor computing device may be capable of transmitting at least a portion of the transaction data to a financial service provider terminal to enable the financial service provider terminal to facilitate the requested transaction.

Transaction systems and methods are disclosed. A system may include a controller having a transaction detection circuit to interpret a transaction request value, wherein the transaction request value includes a transaction description for one of a proposed or an imminent transaction, and a cryptocurrency type value and a transaction amount value. A transaction locator circuit then determines a transaction location parameter in response to the transaction request value, wherein the transaction location is a geographic value or a jurisdiction value. A transaction execution circuit then provides a transaction implementation command in response to the transaction location parameter.

Systems and methods for forward market renewable energy credit prediction from business entity behavior data are disclosed. An example transaction-enabling system may include a forward market circuit to access a forward energy credit market and a market forecasting circuit to automatically generate a forecast for a forward market price of an energy credit in the forward energy credit market. The example system may include wherein the forecast is based at least in part on a business entity behavior collected from at least one business entity behavioral data source, and wherein the energy credit comprises a renewable energy credit associated a renewable energy system. The example system may further include a smart contract circuit to perform at least one of selling the renewable energy credit or purchasing the renewable energy credit on the forward energy credit market in response to the forecasted forward market price.

A vehicle for performing a simple payment service, and a mobile device configured to perform communication with the vehicle includes a display, a communicator configured to perform communication with a mobile device, and a processor configured to transmit an authentication request signal to the mobile device when performing a car payment service, proceed with a payment when receiving authentication success information from the mobile device, and control the display to output authentication failure information and cancel the payment when the authentication failure information is received from the mobile device.