A system can visually track which items in a store are selected for purchase by a shopper. The system can form a virtual shopping cart by analyzing multiple images, over time, to determine which purchasable items are located with the shopper, such as in a physical shopping cart, in a basket, or held by the shopper. By analyzing multiple images, over time, the system can account for items misidentified in one or more images, or fully or partially obscured in one or more images as the shopper traverses the store. Alternatively, the system can form a virtual shopping cart by analyzing instances in which a purchasable item is removed from a shelf or placed on a shelf. Items removed from, but not returned to, a shelf can be considered to be selected for purchase. The system can include a frictionless checkout that charges the shopper for the selected items.

System and methods for tracking transaction flow through a customer service area. The present invention provides automated, non-intrusive tracking of individuals, based on a series of still image frames obtained from one or more colour sensors. Images of individuals are extracted from each frame and the datasets resulting from the cropped images are compared across multiple frames. The datasets are grouped together into groups called “tracklets”, which can be further merged into “customer sets”. Various pieces of metadata related to individuals' movement (such as customer location and the duration of each transaction state) can be derived from the customer sets. Additionally, individual images may be anonymized into mathematical representations.

Techniques are provided for fraud mitigation using enhanced spatial features. One method comprises obtaining transaction data associated with a transaction; obtaining a machine learning module trained using training transaction data for multiple geographic areas to learn a correlation of the training transaction data with fraudulent activity for each geographic area; extracting a transaction address from the transaction data; determining a given geographic area for the transaction using the transaction address; determining values for a predefined spatial feature for a predefined region that includes the transaction address in the given geographic area using a query of an external online data source; applying the determined values for the predefined spatial feature to the machine learning module to obtain an anomaly score for the transaction; and initiating a predefined remedial step and/or a predefined mitigation step when the transaction is determined to be a predefined anomaly based on the anomaly score.

A system, method, and apparatus of authenticating and authorizing a payment are provided. A method includes receiving authentication information gathered by a point-of-sale device from a customer initiating a payment for a transaction via the point-of-sale device; receiving context information gathered by the point-of-sale device; authenticating the customer using the received authentication information; selecting a customer payment profile from a plurality of customer payment profiles to use for the transaction, based on the received context information, wherein each customer payment profile is associated with a payment account; authorizing the payment for the transaction from the payment account associated with the selected customer payment profile; and sending, to the point-of-sale device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized.

This application describes apparatus and methods for distributing computing resources using edge-computing. Apparatus may include an edge node that is positioned in a target geographic region. The edge-node may include information needed to process transactions that occur locally in the target geographic region. The edge-node may process the transaction without communicating with a central server. The edge-node may support processing transactions on behalf of a variety of financial institutions and merchant processing systems. Processing the transaction locally may reduce computational resources typically required by region server to process high volumes of transactions. The edge-nodes would process transactions locally, close to a location of at least one party to the transaction.

The present disclosure relates to a system for cashless and contactless electronic tipping that provides a plurality of user devices, where a first one of the plurality of user devices is capable of initiating a tip request that includes a tip amount and identifies a user of a second one of the plurality of user devices, and where the second one of the plurality of user devices is capable of receiving a notification that the tip amount has been received and credited to a second account associated with the user of the second one of the plurality of user devices, and one or more servers coupled to the plurality of user devices via a network, where at least one of the one or more servers is capable of receiving the tip request and, upon validating the tip request, causing the tip amount to be deducted from a first account associated with a user of first one of the plurality of user devices and credited to the second account associated with the user of the second one of the plurality of user devices.

A computer implemented method performed by a payment processing system includes receiving a payment request from a payor and extracting payment data from the payment request. The payment data includes payee identification data and payment amount data. The method includes determining additional payment information required to complete the payment and dynamically generating a payment information request form. The payment information request form includes requests for specific data from the payor based on the determined additional payment information. The method includes validating the payment request based on the received payment request and the determined additional payment information to determine if the payment request is valid. The method includes generating a payment request data packet, the generation of the payment request data packet based on the payment request being determined to be a valid payment request. The payment request data packet includes the information required by the payee to process the payment.

A cartridge adaptor system may include a puncturing device; a nozzle adaptor including: a puncture port configured to receive the puncturing device; a nozzle coupling portion configured to releasably couple to a beverage dispenser nozzle; and a cartridge coupling portion configured to releasably couple to a cartridge containing a beverage ingredient; and a cartridge holster having a receiving portion for receiving a portion of the cartridge. The puncturing device may be configured to puncture the cartridge thereby releasing the beverage ingredient.

Systems and methods for verifying a digital title of an asset transferred via a math-based currency transaction. The method includes receiving a digital title request regarding an asset, creating a digital title for the asset in a digital title database, receiving, from a financial institution computing system, an asset transfer request regarding the asset that is the subject of the math-based currency transaction, verifying that an identity of a seller in the math-based currency transaction matches the identity of the owner of the asset. Then, responsive to the verification that the identity of the seller in the math-based currency transaction matches the identity of the owner of the asset, the method includes transmitting, to the financial institution computing system, a positive title verification and updating the identity of the asset of the digital title for the asset to match an identity of a buyer in the math-based currency transaction.

Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.