A transaction method for a user using a first and a second terminal and connected to a server via a first and a second communication channel, respectively. The first terminal sends a transaction amount to the server. The server establishes a verification code whose length depends on the transaction amount, then sends a request to the first terminal and the verification code to the second terminal. The user returns the request filled in with a copied code to the server using the first terminal. The server compares the verification code with the copied code and sends a transaction validation or invalidation message to the first terminal depending on the comparison.

Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.

A computer-implemented method includes: (i) receiving location information that represents a physical location of a user; (ii) receiving first sensor data that has been generated by a sensor on a client device of the user; (iii) in response to receiving the first sensor data, obtaining second sensor data that has been generated by a sensor on a sensor device and that represents an environmental condition of an area around the physical location; (iv) determining whether the first sensor data matches the second sensor data; and (v) in response to determining that the first sensor data matches the second sensor data, determining that the user is authentic.

There are provided systems and methods for identifying transaction processing retry attempts based on machine learning models for transaction success. A service provider, such as an electronic transaction processor for digital transactions, may detect a failure of data processing for a transaction when processed with a separate data processing system, such as a card processing system for payment cards. In order to minimize cost and wasted resources for retrying transactions that are likely to further fail, a machine learning model may be implements that generates a predictive score for whether a failed transaction is likely to be successful if retried with the data processing system. The predictive score may be used to predict a probability of success, which may then be used with a cost function to determine a cost to retry the failed transaction and a cost to stop a retry of the failed transaction.

Methods and systems are disclosed herein for authenticating a user. A security device may use an object associated with a user and a device of the user to authenticate the user, for example, if the user has forgotten a password. A user may insert the object (e.g., a card, or other object) into the security device and may select an option to authenticate via a device that is trusted by both the security device and the user, rather than authenticating by entering a password at the security device.

A terminal device may execute a first attempt process in which the terminal device attempts to communicate with a server on the Internet via a communication interface by using a specific LAN to which the terminal device is currently connected; and in a case where the attempt to communicate with the server is successful in the first attempt process, send connection information to a communication device different from the terminal device, the connection information being for connecting the communication device to the specific LAN, wherein in a case where a specific condition is fulfilled, the connection information is not sent to the communication device, the specific condition including a condition that the attempt to communicate with the server fails in the first attempt process.

Aspects of the present disclosure involve a system comprising a computer-readable storage medium storing at least one program and a method for providing a platform that facilitates communication between a messaging application and a web-based gaming application; receiving, via the platform, a request from the web-based gaming application to execute a reward activity; determining, by the messaging application, that the request satisfies a reward activity criterion; generating the reward activity on the messaging application in response to receiving the request; and communicating, via the platform, a status of the reward activity from the messaging application to the web-based gaming application.

There is a provided a digital identity network interface system that may include a communications module and a processor. The processor may be configured to receive a signal representing a digital identity request, the digital identity request defining one or more scopes associated with the request, at least one of the scopes identifying a data type associated with the request, generate a query based on the scopes by translating at least one of the scopes into a query having a query format associated with a digital identity network, the digital identity network storing data associated with a plurality of users, send a signal representing the query to the digital identity network, send a link to an authorization device, after successful authentication, obtain data associated with the digital identity request from the digital identity network, and release at least some of the data.

An exemplary system, method and computer accessible medium can include receiving an authorization token related to a customer(s), determining a client identification (ID) associated with the customer(s) based on the authorization token, and determining access to a microservices(s) based on the client ID. An application for a loan(s) from the customer (s) can be received based on the client ID and the loan(s) can be associated with an application ID(s). A further authorization token related to a further customer(s) can be received, a further client ID can be determined based on the further authorization token, a determination can be made as to whether the further client ID has access to the application, and access to the application can be granted to the further customer(s) if the further client ID is determined to have access to the application.

A system for reducing traffic accidents caused by distraction from a mobile telecom device. The system detects when the device is near a driver's seat of a moving vehicle. While the system is carrying a voice call between a remote voice device and the mobile device, the system modifies voice signal transmission between the devices by periodically playing a beep or other signal to remind the parties that one of them is driving and suspends voice signal transmission from the remote device to the mobile device when the system detects that circumstances affecting level of attention required for driving merit the driver paying greater attention.