A technology which is highly safe and furthermore highly convenient in personal authentications via a mobile terminal is provided. A terminal device 200 of the present invention includes: a position determining section 271 that determines a position of the terminal device 200 at predetermined time intervals, and accumulates the position as position information; a movement history generating section 272 that generates a movement history by using the position information accumulated in a predetermined period, and stores the movement history as movement history information; a registration processing section 276 that transmits, for registration, the movement history information to a personal authentication apparatus; and an authentication requesting section 279 that makes an authentication request to the personal authentication apparatus 310 by using the movement history information stored after the transmission by the registration processing section 276 to the personal authentication apparatus 310.

In one or more embodiments, one or more systems, processes, and/or methods may receive, via a network, a multiple positions corresponding to multiple physical locations of a consumer device, may receive, via the network, a position of a physical location of a financial transaction device, and may receive a request for a financial transaction, and may determine a transaction authorization based on a path indicated by the multiple positions and the position of the physical location of the financial transaction device. For example, a path and/or track may be established via periodical reports of the position information from the consumer device, which may provide and/or indicate an authenticity metric and/or a validity metric to a current position attribute when the current position attribute is utilized in a financial transaction.

Provided is a computer-implemented method for predicting payment transactions using a machine learning technique that includes receiving transaction data, generating a categorical transaction model based on the transaction data, determining a plurality of prediction scores including determining, for one or more users, a prediction score in each merchant category of a plurality of merchant categories for each predetermined time segment of a plurality of predetermined time segments, where a respective prediction score includes a prediction of whether a user will conduct a payment transaction in a merchant category at a time associated with a predetermined time segment associated with the respective prediction score, determining a recommended merchant category and a recommended predetermined time segment of at least one offer, generating the at least one offer, and communicating the at least one offer to the one or more users. A system and computer program product are also disclosed.

Embodiments of systems and methods for peer to peer offline transactions are described. The systems and methods may allow for the secure offline transfer of information or transactions between users possessing transfer devices. The transferred information or monetary value may be immediately available once transferred without the need for a central agent to verify and approve of the transfer. Embodiments of the systems and methods may allow for the synchronization of the offline records between transfer devices with a central server using a carrier device, where the carrier device may act as an intermediary between the server and the transfer devices.

An artificial neural network trained to predict the availability of an unused duration of a parking space based on input features is executed. Input features may include at least a contextual situation associated with the second entity, a behavior factor associated with a first entity that has been using the parking space, geographical location and time, events occurring within a threshold distance from the parking space. The artificial neural network may be further trained to output a transfer affinity based on the predicted availability of an unused duration, the contextual situation associated with the second entity and the behavior factor associated with the first entity. Based at least on the transfer affinity, the second entity can be selected. The unused duration can be transferred to the second entity from the first entity. The transferring can also include storing a payment and associated computation as a blockchain node in a blockchain.

Apparatuses, methods, program products, and systems are disclosed for accessible remote deposit capture. An apparatus includes a position module that determines a position of a hardware device relative to a document based on input captured from a camera of the hardware device. An apparatus includes a direction module that determines one or more directions for moving a hardware device relative to a document to position the document within a predefined area of a field of view of a camera. An apparatus includes an accessibility module that provides accessibility feedback via a hardware device based on determined one or more directions. Accessibility feedback includes feedback for assisting a user that has a visual impairment with positioning a hardware device such that a document is within a predefined area of a field of view of a camera.

A computer program product and a mobile application are disclosed for managing a valet service for a vehicle, comprising negotiating a drop-off and a pickup of the vehicle from a selected valet provider, reserving a valet parking of the vehicle via the selected valet provider, transacting a fee for the valet parking paid from a user to the valet provider and determining associated services for the vehicle while parked. Additionally, reserving a new valet reservation via a GPS location of the vehicle, a location of a selected valet provider and a drop-off and pickup time are disclosed. Furthermore, determining associated services for the vehicle while parked further includes renting the vehicle to a third party for a time the vehicle is to be parked, washing or detailing the vehicle and performing mechanical and other repairs are included. Yet picking up the vehicle from a third party vehicle renter is disclosed.

In some embodiments, an exemplary method may include receiving by a computing device of a user, first facial image data of the user for identity verification from an authorizing entity for authorizing user operations in computing systems managed by a plurality of entities. Second facial image data of the user is obtained using an imaging device of the computing device at a predefined location of a particular entity from the plurality of entities for authenticating the user. A unique authorization identifier is displayed of the computing device of the user. A location of the computing device and a timestamp when a computing terminal of the particular entity scans the unique authorization identifier on the computing device of the authenticated user and an authorization request is relayed to the authorizing entity. An approval is received based on verification of the unique authorization identifier generated for the particular entity, the location of the computing device, and the timestamp.

Disclosed herein are systems, methods, and non-transitory computer-readable storage media for detecting events occurring to an article at a remote location using low-power event detection circuitry and transmission of event detection messages over a network.

There is achieved a moving apparatus that performs safe traveling in an environment where there are many obstacles such as a person, a desk, a table, and a chair on the basis of a plurality of pieces of sensor detection information. The moving apparatus includes a control unit that executes traveling control of the moving apparatus, an upper unit that has an article storage unit, and a lower unit that houses the control unit and a drive unit. The upper unit has an upper sensor that detects an obstacle in surroundings at a position of at least one of an upper surface or a lower surface position, and the lower unit has a lower sensor that detects an obstacle in a proximity area of a traveling surface of the moving apparatus. The control unit inputs sensor detection information, detects an obstacle in surroundings of the moving apparatus, executes traveling control to avoid contact with the obstacle, and performs control to display a traveling route recognition display line that indicates a traveling route of the moving apparatus.