Systems, methods, and computer program products are provided for validating a deposit request. The method includes receiving a deposit request from a user device. The deposit request includes a deposit transaction information relating to an intended deposit. The method also includes determining a deposit transaction confidence level based on the deposit transaction information. The deposit transaction confidence level indicates a likelihood of the intended deposit being perfected. The method further includes causing a transmission of an audit request to the user device relating to the deposit request upon determining the deposit transaction confidence level is below a confidence level threshold. The audit request includes a request to confirm one or more details relating to the deposit request. The method still further includes determining a deposit determination based on a response to the audit response. The deposit determination indicates whether the intended deposit will be executed.

A computer-implemented system and method includes determining, by a mobile device associated with a user, a location of the user, generating, by the mobile device, a code comprising a tokenized value for sending funds and the location of the user, transmitting, by the mobile device, the code to a point of sale (POS) terminal associated with a merchant as part of a mobile wallet transaction, and receiving, by the mobile device, an indication that the mobile wallet transaction has been completed.

The systems and methods that generate a one-touch frame are provided. A line of code including a tag is inserted into a webpage. The tag includes a link to a server from which parameters for the frame are obtained. The browser uses the parameters to generate the frame. In addition, the server or a local memory of a computing device on which the frame is generated also store credentials associated with a user account. These credentials are also obtained and incorporated into the frame. The frame may then be activated to perform one-touch functions using the credentials.

A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving microdeposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information.

A payment integrated loyalty system including a point of sale terminal comprising a card reader, a communication subsystem configured to wirelessly communicate with a payment instrument, and configured to communicate over a network with at least a first and second server. The payment integrated loyalty system includes a processor in communication with the communication subsystem and card reader, configured to receive, through the communication subsystem, a payment instrument identifier associated with the payment instrument, and obtain a fingerprint based on one-way encrypting the payment instrument identifier. The processor is further configured to receive, from the first server via the communication subsystem, a loyalty balance associated with the fingerprint and to complete the financial transaction based on an updated amount based on the loyalty balance.

Provided are a transaction delegation method, a transaction delegation system, and a computer readable medium storing a computer program. In this transaction delegation method: a second device that stores account data in a blockchain system receives, through communication outside the blockchain system, delegation data from a first device used by a user, the delegation data being for delegating execution of a desired transaction of the user in the blockchain system; a delegation transaction that causes an execution smart contract executing a transaction based on an account of the user in the blockchain system to execute the desired transaction is created on the basis of the delegation data transmitted from the first device; and the delegation transaction with payment of a fee token or a utility token required for executing a transaction is broadcast to the blockchain system on the basis of the account data.

Accessing third-party service provider data on behalf of a first-party service provider without having to provide credentials to a first-party service provider server(s) is described. A credential may be received via a user interface presented by a mobile payment application associated with a service provider, the credential being associated with a user account of a user and a third-party service provider. The mobile payment application may then send the credential to a computing device(s) of the third-party service provider, which causes a session to be established between the mobile payment application and the third-party device(s). The mobile payment application may receive, via the session, user data associated with the user account from the third-party device(s), and may send, without having provided the credential to a computing device(s) of the service provider, at least a portion of the user data to the computing device(s) of the service provider.

A system for generating a contention scheme includes a computing device, the computing device configured to obtain a solvency signature as a function of a solvency entity, determine a solvency grouping as a function of the solvency signature, identify a null element as a function of the solvency grouping, wherein identifying the null element further comprises receiving a regulation element as a function of a regulation database, and identifying the null element as a function of the regulation element and the solvency grouping, produce a weighted vector as a function of the null element, and generate a contention scheme as a function of the weighted vector.

The present disclosure describes a system, method and computer readable medium for verifying the ownership of an article. In one embodiment, one or more physically unclonable functions may be applied to an article and associated with a non-fungible token in order to create a digital fingerprint. The digital fingerprint may then be stored on a blockchain network and utilized to verify and authenticate the ownership of the article.

A method is disclosed. The method includes receiving a broadcast signal from a beacon device, the broadcast signal encoding a first credential associated with a first entity. In response to receipt of the broadcast signal, the mobile communication device transmits the received first credential to an authentication system. The authentication system determines if the first entity associated with the broadcast signal is authentic and generates a confirmation message confirming the authenticity of the first entity. The mobile communication device then receives the confirmation message indicating that the first entity is authentic. The mobile communication thereafter receives and transmits a second credential for the mobile communication device to the beacon device, which transmits the second credential to the authentication system. The authentication system then confirms the authenticity of the mobile communication device. Then, the beacon device can initiate an interaction process with the user of the mobile communication device.