Automated provisioning, according to one example embodiment, enables a mutual customer to establish an intelligent and automated connection between an accounting software system and their financial institution. For example, this might be achieved by allowing a financial institution customer to make feeds from their bank accounts available to the accounting software system within financial internet software (e.g., hosted and operated by the customer's financial institution). Once a customer selects the bank account(s) they want to share with the accounting software system, they are passed along to the accounting software system to link the selected bank account with an account they have set up in the accounting software system.

The present invention is directed to a system, method, and apparatus for managing a packaging article secured via a locking unit alterable between a locked state and an unlocked state. An indication that a user desires to handle the article may be received and an authorization of the user to handle the article may be performed. An actuator may cause the locking unit to alter from the locked state to the unlocked state, for example, based on the user being authorized to handle the article. Based on the user desiring to purchase the article, inventory information of the article may be updated by decreasing the number of articles in inventory by the article purchased. An account of the user may be charged a cost of the article. An indication may be provided to the user that the article has been purchased.

Systems and methods for expediting math-based currency (“MBC”) transactions are described. A financial institution facilitates the expedited MBC transactions. The expedited MBC transactions are achieved by guaranteeing merchants that a pending MBC transaction between the merchant and a customer will be verified by the MBC verification nodes. A provided guarantee can be collected on by the merchant in the event that a guaranteed MBC transaction is not verified by the MBC verification nodes.

Methods and apparatuses for performing money movement transactions with a policy orchestrator are disclosed. In some embodiments, the method includes: for each transaction of a plurality of transactions in a commerce platform, where said each transaction specifies a money movement to be made by a payment processor of a commerce platform, receiving a request for a license to make the money movement, evaluating whether the money movement associated with said each transaction is a legal money movement, and issuing the license for said each transaction in response to determining the money movement associated with the transaction is a legal money movement. The method also includes subsequently receiving said each transaction when its associated money movement is to be committed, checking whether a valid license exists for said each transaction, and sending said each transaction to the book keeping system of the commerce platform if said each transaction has a valid license.

An example credit line adjustment system includes: at least one processor; and memory encoding instructions that, when executed by the at least one processor, causes the at least one processor to generate a graphical user interface including: a first section identifying a first credit line owned by a user, the first section providing a first credit limit amount for the first credit line, and the first section including a first control that receives input from the user to manipulate the first credit line; a second section identifying a second credit line, the second section including a second control that receives input to transfer at least a portion of the first credit line to the second credit line.

Systems, methods, and non-transitory computer-readable media for performing exchanges. One method includes receiving a request identifying a payor account and an amount of funds to transfer an account associated with a customer of the depository bank computing system, determining the request qualifies for a non-inquiry transaction (NIT) protocol, transmitting, by the depository bank computing system to an account verification service computing system over the real-time data channel, a guarantee offer including a payor account token based on the shared account status information, receiving, over the real-time data channel and from the account verification service computing system, an accepted guarantee offer, crediting an account of the customer, receiving, over the real-time data channel, a guarantee override, and reversing the transfer of funds associated with the guarantee.

A computer system for automatically handling and releasing funds for deposit items has a memory storing instructions that, when executed by a processor, cause the system to receive an image of a cheque received and scanned by an automated teller machine (ATM) for deposit into a first account of an institution associated with the ATM. The scanned image of the cheque is analyzed to identify an institution and account on which that cheque is drawn. If that account has sufficient available funds to cover the cheque, then the first account is credited in the amount of the cheque without placing a hold on any of the credited amount and funds of the account on which the cheque is drawn are encumbered in that same amount. After crediting the first account, an indication is provided that the funds are available (e.g., to withdraw). Related methods and computer-readable media are also disclosed.

There are provided systems and methods for dynamically linking machine-readable codes to digital accounts for loading of application data. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a physical payment card. A machine-readable code may be provided on the payment card, where the machine-readable code may be dynamically linked to underlying data with an online transaction processor. The user may provide the payment card to another user that may capture the machine-readable code on the payment card. The other user's device may then utilize the machine-readable code with the online transaction processor to perform an account lookup using database information dynamically linked to the machine-readable code. Thereafter, the other user's device may automatically load account data for the account without having the user enter the account's identifier.

Systems and methods are described for providing an enhanced rebate and marketing program which may automatically enroll a consumer in a loyalty programs after the consumer completes rebate form; filter consumer information to provide to customer relationship management campaigns; capture real-time consumer responses to queries; provide real-time and dynamic, targeted offers and other communications to consumers and recipients; and provide bonus added value to consumer received rebates.

A medical device, such as a neurostimulator, is provided that includes a housing, a power supply, a signal generator and one or more electrodes coupled to the housing. The signal generator is configured to apply one or more electrical impulses to the one or more electrodes for a period of time, the period of time being defined as a single dose. A memory is coupled to the housing and stores a first content corresponding to a time period that has elapsed and a second content corresponding to a number of single doses that have been emitted by the signal generator. The device is configured to switch from an activated mode and a deactivated mode upon a first occurrence of either a specific number of single doses have been emitted by the signal generator or a specific time period has elapsed.