An object of the present invention is to provide an authorization device that enables payment approval processing according to a country where a communication terminal is located. An authorization server 100 includes a customer information database that stores a card number of a credit card being a payment means and a communication terminal 300 being a user terminal in association with each other. A location based authorization determination unit 102 determines legitimacy of a payment with a credit card on the basis of whether location country information based on location registration of the communication terminal 300 when the payment with the credit card is made and country information (payment country information in an authorization request) based on a location of an affiliated store (store) where the payment with the credit card is made satisfy a predetermined condition or not. A authorization control unit 101 transmits a determination result about legitimacy of the payment to an affiliated store 200.

Systems and methods for alternative payment mechanism payments using ultra-wideband radio technology are disclosed. A method may include a payment terminal computer program executed by a payment terminal selecting a customer electronic device that is conducting the payment transaction with the payment terminal; communicating, via a payment terminal UWB radio to the selected customer electronic device, payment transaction details for the payment transaction comprising a merchant identifier and a transaction amount; receiving, from the selected customer electronic device via the payment terminal UWB radio, an APM payment message for an APM payment provider; communicating the APM payment message to the APM payment provider, wherein the APM payment provider is configured to decision the transaction based on the APM payment message; and receiving, from the APM payment provider, a payment confirmation for the payment transaction.

A device may receive customer data, and store the customer data in a secure memory device of the device. The device may implement a backup mode in which the device utilizes the customer data to authorize requests based on determining that the device lacks a network connection. The device may receive, when the device is in the backup mode, a request for currency that includes authentication information. The device, while in the backup mode, may authorize the request for currency based on comparing the authentication information and the customer data. The device may dispense currency based on a result of comparing the authentication information and the customer data. The device may store transaction data associated with dispensing of the currency to permit the transaction data to be transmitted when the network connection is restored.

Various techniques for facilitating communication with and across a network platform and one or more user computing devices are described. For example, these techniques may include (i) generating preference data based on capturing and analyzing user interactions with respect to a set of training photographs, (ii) generating, verifying, and processing search requests to allow users to identify other users and/or target objects on the network platform, and (iii) generating, verifying, and processing link requests to allow users to create links to or associations with other users and/or target objects on the network platform, among others.

An electronic fund transfer system comprises a transaction server, a first mobile electronic device operated by a first user, and a second mobile electronic device operated by a second user. The transaction server stores user profiles, including financial account details and other personal details, for each of the first user and the second user, and further stores therein a list of first users associate with a premise. The second mobile electronic device is operable to obtain from the transaction server the list of first users associated with the premise. The second mobile electronic device is further operable by the second user to select one first user from the list and effect a transfer of funds from the second user to the selected first user. The transfer of funds from the second user to the selected first user is effected without any of the financial account details and other personal details of the first user being provided to the second user.

A payment method and an electronic device, the method including displaying, by a first device, a first interface in response to a first operation of a user, where the first interface comprises location information and identification information of one or more electronic devices, and the location information of the one or more electronic devices is determined using at least one of an ultra-wideband (UWB) protocol or a Bluetooth low energy (BLE) protocol, determining a second device from the one or more electronic devices in response to a second operation of the user on the first interface, wherein the first device is first one of a payer device or a payee device, and the second device is a second one, different from the first one, of the payer device or the payee device, and transacting, by the first device, with the second device.

A mobile money management system, apparatus and method for conducting financial transactions using mobile devices, and more particularly to the use of cellular telephones or other handheld or wearable personal computing devices, for organizing and presenting information related to financial transactions, including sales transactions via a wireless communication link.

An example operation may include one or more of receiving, by a node, a request for a transport, determining, by the node, an availability of the requested transport, responsive to the availability, broadcasting the request including a suggested value to a plurality of nodes, receiving agreements from the plurality of the nodes, and recording a completed request on a remote storage.

Systems and methods of the present disclosure include computer systems for improving data security. To do so, an authorization request associated with a user profile is received, including a time-stamp for a profile activity, a profile identifier, and a value. Application analytics data for a software application on a user device associated with the user profile is accessed, including an open event indicator indicating a time of a loading, and a close event indicator indicating a time of a termination. An open period of the software application at the time-stamp is determined based on the application open event indicator and the application close event indicator. A reduced set of fraud checks is selected and executed when the time-stamp associated with the profile activity is within the open period of the software application. A fraud determination is generated, and an authorization notification is generated based on the fraud determination.

Disclosed are systems, methods, and non-transitory computer-readable media for determining compliance of a transaction using machine learning. A transaction compliance system automatically determines whether a requested transaction is in compliance with a set of compliance rules associated with the requested transaction. The set of compliance rules may be regional rules and regulations established by a governmental body and/or rules defined by a merchant. The transaction compliance system accesses the set of compliance rules corresponding to the transaction and determines whether the requested transaction is in compliance with the set of compliance rules. The requested transaction may be completed or denied based on the resulting output.