A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

Embodiments herein provide a method of aggregating sources for a payment to a financial transaction using an electronic device (100). The method includes displaying a request for the payment of a specified amount to a payment entity. The method includes determining a plurality of sources that meets at least one payment criteria for the payment. The method includes automatically splitting the specified amount into a plurality of portions based on the at least one payment criteria. The method includes associating at least one portion from the plurality of portions of the specified amount to each of the sources based on the at least one payment criteria. The method includes performing the payment of the specified amount with the payment entity based on the at least one associated portion of the specified amount with each of the sources. The method includes providing a response for the payment of the specified amount.

Disclosed is a system and method for authenticating secured file transactions in a tri-party setup. The system comprises of a first agent module, a second agent module, a server arrangement, and a distributed ledger communicably coupled with each other. The system is configured to store a hash corresponding to a transaction in the distributed ledger. The system is further configured to validate a first agent module and a server arrangement to authenticate transfer of secured files.

Disclosed are a payment service apparatus for providing product information to an offline merchant on the basis of location information and supporting payment processing based on a virtual currency and an operating method thereof. The present invention selects offline merchants positioned within a predetermined distance based on current location information of a user terminal and then selects a merchant that transmits a beacon signal having a maximum strength among beacon signals transmitted by beacons provided in the selected merchants and transmits product information for products being sold in the merchant to the user terminal, and when the information on the virtual currency amount of the one predetermined product together with a payment request for one predetermined product from the user terminal are received, completes transfer processing from an electronic wallet account of a user to the electronic wallet account of the merchant for a virtual currency amount of one predetermined product to support the user to easily purchase the product in the offline merchant.

A method, system, and computer program product for automatic and remote control of NFC transaction processing. The method includes receiving transaction data associated with a transaction, automatically requesting a token associated with the transaction from a transaction processing network in response to receiving the transaction data, receiving the token from the transaction processing network, automatically and wirelessly transmitting the token from a first device to a second device via NFC in response to receiving the token from the transaction processing network, automatically transmitting the token to the transaction processing network in response to receiving the token from the first device, receiving an authorization response associated with the transaction from the transaction processing network, and determining a compatibility of an application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response.

A system and method for validating user address information is disclosed herein. A computing system periodically polls a client device associated with a user to identify a current location of the user. The computing system records the current location of the user after polling and a time associated with the polling. The computing system receives one or more transactions from one or more third party vendors. The computing system identifies, based on the one or more transactions, a location and a time associated with each transaction in the one or more transactions. The computing system defines a geographic area. The computing system determines that a current primary address on file for the user is outside of the geographic area. The computing system prompts, based on the determining, the user to update the current primary address.

An in-application content transfer system that generates receiver identifiers to categorize a given exchange between two users. One user executes the application on their mobile device and makes use of peer-to-peer communication protocols with a neighboring mobile device, regardless of whether the neighboring device is executing the subject application. The content transfer is linked to a unique identifier of the neighboring device, which is retrieved via peer-to-peer communication.

Implementations of the present specification provide a service processing method. The method is performed by a service platform, the service platform including multiple area sites corresponding to multiple service areas, and each area site including a corresponding buyer service site and seller service site. The method includes: splitting a whole-order service into a buyer service and a seller service; further, on one hand, routing the buyer service to a buyer service site in a service area that a corresponding buyer belongs to, for the buyer service site to process the buyer service through interconnection with the buyer based on an area user identifier, and to locally store processed data, where the area user identifier is determined based on multiple area identities associated with a domain-wide identity corresponding to the buyer; and on the other hand, routing the seller service to a seller service site in a service area that a corresponding seller belongs to, for the seller service site to process the seller service through interconnection with the seller, and to locally store processed data.

Embodiments may be generally directed to techniques, systems, and devices to control settings stored on contactless cards.

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).