A processor-implemented method is disclosed. The method includes: obtaining definition of transfer configuration rules for automatically handling requests for transfer of resources, the transfer configuration rules defining a plurality of handling actions for processing resource transfer requests and criteria associated with the respective handling actions, wherein the transfer configuration rules are generated based on historical transaction preference data associated with an entity; receiving, from a computing system, a first resource transfer request; determining that the first resource transfer request satisfies criteria defined in the transfer configuration rules that are associated with a first one of the plurality of handling actions; and in response to determining that the first resource transfer request satisfies the criteria associated with the first handling action, processing the first resource transfer request in accordance with the first handling action. eodcmaster

Embodiments disclosed herein provide for systems and methods for converting a community device to a personal device. A personalization option is selected on a portable computing device. A device management server is queried to verify that a specific individual has authorization to personalize the portable computing device. If authorization is confirmed, the portable computing device is configured so that only credentials for the specific individual can be used to access the portable computing device. Authorization may include verifying that the specific individual has sufficient funding and/or verifying that a third party has provided funding for the specific individual. Restricted content is automatically downloaded onto the portable computing device as part of or following the personalization process. A first set of basic applications may be available to any user prior to personalization, and after personalization a second set of applications, which are only available on a personalized device, are downloaded.

Embodiments of the present invention relate to methods, systems, and computer program products for user behavior management. In embodiments, a group of states of a user of an application system within a previous time period may be obtained. A state in the group of states may be associated with a privilege of the user for accessing resources in the application system during the previous time period. A feature of the user may be generated based on the group of states. A privilege of the user at a current time may be managed in the application system based on the feature. With these embodiments, the user behavior may be managed according to various aspect of the user's historical states and thus the user may be managed in a more accurate and effective manner.

A processor-implemented is disclosed. The method includes: receiving, via a client device associated with a first resource account, a user input including selection of a first operation and operation identifiers associated with the first operation; determining a first quantity of resources associated with the first operation; identifying one or more second resource accounts that are associated with the operation identifiers; obtaining transaction events data for the one or more second resource accounts; determining a resource allocation for the first resource account in connection with the first operation based on the first quantity of resources and the transaction events data for the one or more second resource accounts; detecting a transaction event associated with the first resource account; and in response to detecting the transaction event associated with the first resource account: determining that the transaction event results in a change to the resource allocation; and transmitting, to the client device, a signal representing a notification indicating the change to the resource allocation.

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 embodiments may provide a framework to implement post-purchase tender switches. For example, following a transaction made with a particular payment instrument, a customer may be offered the ability to apply for a preferred payment instrument and/or to switch his or her tender type to the preferred payment instrument for the previous transaction.

Systems, computer program products, and methods are described herein for an authentication framework for real-time document processing. The present invention is configured to receive, via an image capturing device associated with a point-of-sale system of a merchant, a digital image of a payment instrument; extract, using optical character recognition, payment instrument data from the payment instrument; receive one or more authentication credentials from the user to endorse the payment instrument; determine an authentication level of the user based on at least receiving the one or more authentication credentials from the user; determine whether the authentication level of the user meets an authentication requirement level associated with the processing of the payment instrument; and process, in real-time, the payment instrument.

Application integration for contactless payments is described. In an example, a payment making platform can provide a transaction code to a payment processing platform. The transaction code can be presented at a point-of-sale of a transaction between a customer and a merchant associated with the payment processing platform. Upon detecting an interaction between the transaction code and a computing device of the customer, the payment making platform and the payment processing platform can exchange data to enable the customer to participate in the transaction via the computing device of the customer. In some examples, the payment making platform and the payment processing platform can process a contactless payment for the transaction by transferring funds associated with an account of the customer from the payment making platform to the payment processing platform for depositing into an account of the merchant.

Application integration for contactless payments is described. In an example, a payment making platform can provide a transaction code to a payment processing platform. The transaction code can be presented at a point-of-sale of a transaction between a customer and a merchant associated with the payment processing platform. Upon detecting an interaction between the transaction code and a computing device of the customer, the payment making platform and the payment processing platform can exchange data to enable the customer to participate in the transaction via the computing device of the customer. In some examples, the payment making platform and the payment processing platform can process a contactless payment for the transaction by transferring funds associated with an account of the customer from the payment making platform to the payment processing platform for depositing into an account of the merchant.

Distributed ledger cores are disclosed. A method for interacting with a distributed ledger core may include: (1) a distributed banking ledger in a blockchain-based distributed ledger system receiving a transaction request for a transaction from a client system; (2) a smart contract creating a pending transaction; (3) the smart contract sending a posting request for the pending transaction to a ledger interoperability service; (4) the posting generation service generating accounting movements for the transaction; (5) the posting execution service posting the accounting movements and providing posting details to the ledger interoperability service; (6) validating the posting details with a data services module; (7) the smart contract receiving a posting validation complete notification from the posting execution service via the ledger interoperability service; (8) the smart contract settling the transaction on the distributed banking ledger by writing the transaction as a new block to the distributed banking ledger.