Systems and methods for secure mobile transactions are disclosed. A method for conducting a transaction may include an issuer receiving, over a first network and from a customer mobile device, authentication information and mobile device location information; the issuer authenticating the customer, generating a transaction session identifier, and communicating the transaction session identifier to the mobile device over the first network; the issuer communicating, over a second network, the transaction session identifier and payment device information to an acquirer; the acquirer receiving, from the merchant, the transaction session identifier from the computer application, location information a merchant point of transaction, and transaction information; the acquirer generating a transaction authorization request including payment device information and the transaction information and communicating the request to the issuer portion over the second network; and the issuer authorizing the transaction authorization request. The issuer and acquirer may be under common control.

Systems and methods for motion-enabled transactions are disclosed. The system may allow users to complete transactions with merchants via an air sign input. The system may receive a motion-enabled transaction request comprising an air sign input. The system may determine a stored air sign symbol based on the air sign input. The system may retrieve a merchant identifier, a transaction type, and a transaction cost based on the determined stored air sign symbol. The system may transmit a transaction confirmation comprising the merchant identifier, the transaction type, and the transaction cost. In response to the user confirming the transaction confirmation, the system may authorize and process the transaction.

A first merchant node on a semi-private blockchain virtual currency exchange system is exclusively capable of creating first virtual currency units. Unaffiliated merchant node(s) are exclusively capable of creating other merchant-specific virtual currency units in the system, while customer computing devices are incapable of creating virtual currency units. The first merchant node creates and issues first virtual currency units to a first customer account associated with a first customer computing device. Upon receiving a transaction request for exchanging first virtual currency unit(s) for a second currency type between the first customer account and another customer account, the first merchant node validates the first transaction request, and creates and sends a first transaction receipt to unaffiliated merchant node(s). Upon receiving a redemption request from a customer account, the first merchant node validates the first redemption request, and creates and sends a first redemption receipt to unaffiliated merchant node(s).

Improved systems and methods for enhancing the performance of network based computerized content rendering and hosting and providing of devices, systems and/or platforms by modifying the capabilities and providing non-native functionality to such devices, systems and/or platforms through a novel and improved application, networked based enforcement of geographical compliance, data processing and networking framework.

A method for providing a gift includes receiving gift information from a first computing device. The gift information includes a maximum gift amount, a gift recipient, and a gifter financial account and gift redemption information. The method includes generating a tokenized PAN associated with the gifter financial account, identifying a second computing device associated with the gift recipient, determining one or more gift redemption locations and receiving gift recipient location data. The method includes determining that the second computing device has entered a gift-eligible location based on the gift recipient location data and the one or more redemption locations and transmitting data indicative of a gift for display by the second computing device. The method further includes outputting an instruction to debit the gifter financial account with an amount of money in response to determining that a transaction has been executed using the tokenized PAN at the gift-eligible location.

A system and method for disabling a function of a feature of a vehicle based on a validation request to a centralized validation authority, prior to a use of the feature includes determining that a condition is met as part of a startup sequence of the vehicle, transmitting the validation request to the centralized validation authority, in response to determining the condition is met, wherein the validation request is part of the startup sequence of the vehicle, receiving a validation decision from the centralized validation authority, and disabling the feature of the vehicle as a function of the receiving the validation decision.

The disclosure describes a method for managing user accounts. The method may include receiving, by a computing device, a user identifier associated with a user of an automated teller machine and a location identifier associated with the automated teller-machine. The method may further include determining, by the computing device and based on the user identifier, user data that includes at least one of user financial data, user preferences data, or user personal data. The method may further include determining, by the computing device and based on the location identifier and the user data, a recommended action for the user of the automated teller machine. The method may further include sending, by the computing device and to the automated teller machine, information associated with the recommended action to be displayed to the user on a display of the automated teller machine.

A computer-implemented method for providing merchant recommendations comprises receiving, by a processor, raw merchant embeddings generated from payment transaction records, wherein the raw merchant embeddings include a plurality of embedded features entangled in an embedding space. The processor uses transaction metadata associated with the payment transaction records to determine a subspace of an identified feature within the embedding space. A linear transformation process then removes the subspace of the identified feature from the embedding space to create modified merchant embeddings that are merged and aligned with other ones of the plurality of features within the embedding space. The processor automatically generates a list of merchant rankings based on the modified merchant embeddings, past preferences of a target user using raw user embeddings, and a target region, and provides the list of merchant rankings to the target user.

A device may detect a first entry of a first user device of a first user into a merchant area. The device may monitor a movement of the first user device within the merchant area. The movement may include a transition from a shopping area of the merchant area to a checkout area of the merchant area. The device may detect a transaction between the first user and the merchant. The device may determine a shopping duration for the first user and a checkout duration for the first user. The device may detect a second entry of a second user device of a second user into the merchant area. The device may perform one or more actions based on detecting the second entry. The one or more actions may be performed selectively based on the shopping duration or the checkout duration of the first user.

Provided are computer-implemented methods for guaranteeing a payment authorization response. Computer-implemented methods may include determining that a payment authorization response message for a payment transaction was not received from a transaction service provider system within a predetermined period of time after a payment authorization request message for the payment transaction was transmitted to the transaction service provider system; generating a supplemental payment authorization request message for the payment transaction based on the payment authorization request message; determining that the payment transaction is authorized based on a quantitative risk score associated with the supplemental payment authorization request message and an insurer rate associated with the supplemental payment authorization request message; and transmitting a supplemental payment authorization response message to a merchant system based on determining that the payment transaction is authorized. Systems and computer program products are also provided.