Embodiments of the invention are directed to systems, methods and computer program products for utilizing resources from multiple sources to complete a resource distribution. The invention may receive a distribution request from an entity, where the distribution request includes information identifying a first resource distribution device provided by a user to the entity, a first source associated with the user, and a request amount of resources. The invention may determine whether the requested amount of resources is greater than a first amount of resources in the first source, determine whether the first resource distribution device is associated with one or more other sources associated with the user, and determine whether a sum of the first amount of resources in the first source and a second amount of resources in the one or more other sources is greater than or equal to the requested amount of resources.

Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to (1) attempt to check the balances on such prepaid payment cards, including the ability to perform aggregate balance checks on a group of such prepaid cards, (2) attempt to freeze the funds on such prepaid payment cards, and/or (3) attempt to seize the funds on such prepaid payment cards.

Disclosed is a method of processing item sales information by an electronic apparatus including acquiring a purchase request including item information related to an item selected by a user and information related to a payment means, providing a purchase response including approval information corresponding to the purchase request before proceeding with payment through the payment means in response to the purchase request when the information related to the payment means satisfies a first condition, transmitting a release request for the item to a first server; and requesting payment for at least some of an amount corresponding to one or more purchase requests related to the payment means according to an arrival of settlement timing corresponding to the payment means.

Systems and methods are provided for processing credit token and debit token based transactions in a blockchain supported network.

Systems and methods are provided for processing credit token and debit token based transactions in a blockchain supported network.

Systems and methods for an augmented reality (AR)-assisted smart card for secure and accurate revision and/or submission of sensitive documents are provided. The methods may be executed via computer-executable instructions running on a microprocessor embedded in the smart card. A method may include capturing an image of a document, processing the image of the document, and computing, for one or more of the fields of the document, a recommended input. The method may further include comparing, for the one or more fields, the recommended input with an actual input, and, when the recommended input is more than a threshold difference apart from the actual input, generating a recommended revision. The method may also include displaying an AR image of the document on a display screen that is embedded in the smart card, said AR image comprising the image of the document augmented with the recommended revisions.

Systems and methods for automated decentralized multilateral transaction processing are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for automated decentralized multilateral transaction processing may include: (1) receiving a plurality of transaction requests to conduct a plurality of transactions; (2) determining that a party to a first transaction of the plurality of transactions does not meet a liquidity requirement to conduct the first transaction; (3) executing a netting algorithm to identify a second transaction of the plurality of transactions that when executed allows the first transaction to execute; and (4) executing the first and second transactions.

A zero-step authentication system and method which uses wireless mobile devices to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method uses a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.

Disclosed herein are system, method, and computer program product embodiments describing the creation and funding of tax-advantaged accounts at a point of sale/service of a qualifying expense. The disclosure presents verifying the identity of the recipient of the qualifying expense, confirming an initial contribution, and creating a tax-advantaged account on behalf of the individual. The disclosure further presents funding the tax-advantaged account with the initial contribution and subsequently generating a bank transaction wherein the tax-advantaged account transfers the cost of the qualifying expense to the provider.

Aspects described herein may provide a method and system that comprises monitoring, by a transaction server, a bank account associated with a user and training a predictive model to define one or more patterns based on activity in the bank account. The method and system may further comprise authenticating an identity of the user in conjunction with a credit card purchase and then posting a purchase amount associated with the credit card purchase to a credit card account associated with the user. The method and system may also comprise predicting, based on correlating the purchase amount with the one or more patterns using the predictive model, that the purchase amount will or will not be paid in full when due and generating an option to the user to refinance the purchase amount, wherein the generating the option occurs prior to when a payment for the credit card purchase is due.