Particular embodiments receive, by at least one computing device of a payment service, a request to configure a goal to associate with a user account of a user, where the goal is associated with a condition that, when satisfied, causes an incentive to be associated with the user account. The at least one computing device generates a data object for tracking completion of the goal, where the data object is stored in a datastore by the payment service. The at least one computing device monitors, in near-real-time, at least one of managed transaction data associated with users of the payment service or interaction data associated with the user. The at least one computing device determines, based at least in part on comparing at least one of the transaction data or the interaction data to at least the condition, satisfaction of the condition.

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.

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 method is provided. The method includes receiving a request to conduct a transaction with a merchant, requesting approval of the request, receiving approval of the request, verifying the transaction, receiving a first data, receiving a second data, determining a first distance between the first computing device and the second computing device based on the first and second data, determining that the first distance between the first computing device and second computing device satisfies a first predetermined distance threshold, receiving a third data, the third computing device being associated with the second user, determining a second distance between the third computing device and the second computing device based on the third and second data, determining that the second distance between the third computing device and the second computing device satisfies a second predetermined distance threshold, and approving the transaction.

A method is provided. The method includes receiving a request to conduct a transaction with a merchant, requesting approval of the request, receiving approval of the request, verifying the transaction, receiving a first data, receiving a second data, determining a first distance between the first computing device and the second computing device based on the first and second data, determining that the first distance between the first computing device and second computing device satisfies a first predetermined distance threshold, receiving a third data, the third computing device being associated with the second user, determining a second distance between the third computing device and the second computing device based on the third and second data, determining that the second distance between the third computing device and the second computing device satisfies a second predetermined distance threshold, and approving the transaction.

Improvements to existing technologies associated with point-of-sale transactions and merchant ecosystems to, among other things, reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed (i.e., reduce friction) are described. In some examples, such reduced in-person contact and/or improved efficiencies can limit transmission of infectious diseases. As such, techniques described are directed to modifying aspects of point-of-sale transactions such that they occur on different computing devices (e.g., customer computing devices instead of merchant computing devices), are automated, and/or occur at different times than with conventional point-of-sale transactions. Furthermore, in at least one example, techniques described can leverage a distributed, network-based merchant ecosystem—comprising multiple merchant computing devices and/or customer computing devices that are specially configured to communicate with a service provider—to facilitate social distancing, which can reduce in-person contact and, in some examples, improve the efficiency at which point-of-sale transactions are completed.

An improved financial terminal automatically reconfigures into different financial processing terminal types. In one embodiment, the terminal comprises a housing; a card reader configured to accept at least a portion of a card having an integrated circuit; at least one display; at least one processor; and at least one memory configured to store machine readable code, the machine readable code comprising a first kernel corresponding to a first transaction type and a second kernel corresponding to a second transaction type.

An improved financial terminal automatically reconfigures into different financial processing terminal types. In one embodiment, the terminal comprises a housing; a card reader configured to accept at least a portion of a card having an integrated circuit; at least one display; at least one processor; and at least one memory configured to store machine readable code, the machine readable code comprising a first kernel corresponding to a first transaction type and a second kernel corresponding to a second transaction type.

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 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.