Abstract: Embodiments of the invention can combine card not present transaction processing with PIN verification. A merchant or a consumer can initiate transactions using any suitable transaction initiation channel. One aspect of the invention helps facilitate payment card authentication across multiple wallet providers/merchants using an encrypted card PIN and a digital certificate. One aspect of the invention can incorporate the use of different transaction networks to perform authentication and authorization processing.

Abstract: Systems, methods, and apparatuses for setting credentials for accounts, or cards associated with accounts, are provided. A queue of credentials may be maintained for facilitating access to at least one account of a user. Credentials in the queue may be automatically generated using information provided by the user without additional input from the user. A deactivation event relating to the account may be detected, in response to which one credential for the account may be deactivated. A new credential from the queue may be activated to facilitate access to the account.

Abstract: Some embodiments disclose the use of zero-knowledge proofs (ZKPs) to prevent or at least mitigate privacy compromises that can occur to transactions conducted on distributed ledger-based networks (DLNs). In particular, some embodiments disclose methods and systems where ZKPs can be used to keep confidential or at least mitigate public revelation of private transaction data due to the analyses of the transaction fee or gas paid to facilitate the transaction on the DLN.

Abstract: In certain embodiments, cryptographic-chain-based verification of postage transaction records may be facilitated. In some embodiments, a customer computer system may obtain a customer private key associated with a customer from a secure local storage at the customer computer system. The customer computer system may obtain (i) a first vendor digital signature derived from a first postage transaction record and (ii) a second postage transaction record. The customer computer system may create a customer digital signature based on (i) the customer private key, (ii) the first vendor digital signature, and (iii) the second postage transaction record.

Abstract: A computer-implemented method for managing cryptocurrency is disclosed. A plurality of users are provided with an in-marketplace wallet suitable for storing linked digital tokens that are linked in value to cryptocurrency tokens and are required to transact on a digital marketplace platform. A cryptocurrency reserve is provided for storing cryptocurrency tokens. Responsive to a user purchasing linked digital tokens from a marketplace store, linked digital tokens are transferred to the in-marketplace wallet an equivalent value of cryptocurrency tokens are transferred to the cryptocurrency reserve. Responsive to a user withdrawing a number of linked digital tokens from the in-marketplace wallet, the desired number of linked digital tokens are removed from the user's in-marketplace wallet and an equivalent value of cryptocurrency tokens are transferred from the cryptocurrency reserve to an out-of-marketplace wallet of the user for storing cryptocurrency tokens outside of the marketplace platform.

Abstract: Method and systems for securely and accurately authenticating a payment card by using biometric information associated with an authorized user is provided. The method may be implemented by providing a payment card that includes a processor; a display area coupled to the processor and configured to hide account information when the payment card has not been authenticated and to display the account information for a predetermined time interval when the payment card is authenticated; a sensor coupled to the processor and configured to capture biometric information of a user; and a communication interface coupled to the processor and configured to facilitate wireless communication with a mobile smart phone.

Abstract: Examples of a system and method for transacting media at a self-service terminal (SST), are generally described. A method may include receiving a PIN on a user interface component of a media interface aperture cover. The method may include causing the media interface aperture cover to retract to dispense or receive media through a media interface aperture.

Abstract: An example device may include one or more processors to receive a request for a service from a requestor user device; provide transaction information associated with the service to a provider user device, where the transaction information may include location information corresponding to a location at which the service may be provided; obtain verification information from the requestor user device based on an interaction associated with the requestor user device or the provider user device at the location, where the verification information may include one or more characteristics of the requestor user device; generate a verification token based on the one or more characteristics of the requestor user device; and provide the verification information to the provider user device to permit the provider user device to verify the requestor user device, based on receiving the verification information and obtaining the verification token from the requestor user device.

Abstract: Methods, systems, and apparatus for distributed ledger for physical material. In one aspect, a method includes obtaining a first set of information regarding a physical material to be verified, the first set of information including hundreds of values for channels of a spectrum of electromagnetic radiation emitted by the physical material in response to an irradiation of the physical material; obtaining a second set of information regarding the physical material to be verified; sending the first and second sets of information over the communication network to a verification computer system; receiving verification information; initiating addition of information usable to identify the first set of information and the digital signature to a distributed digital ledger; receiving confirmation of the addition of the information useable to identify the first set of information and the digital signature to the distributed digital ledger; and reporting that the physical material has been verified.

Abstract: Systems and methods are provided for recording ownership information in a distributed ledger (such as a blockchain), and for performing application processing utilizing the distributed ledger. An example server computer system is configured to: record on a blockchain ownership information of an asset; to configure, for each owner of the asset, a digital wallet associated with a private cryptographic key and at least one blockchain address; using a blockchain address from a digital wallet to access ownership information in the blockchain; perform application processing using the accessed ownership information; and record in the blockchain, updated ownership information or other information associated with the ownership information in accordance with the performed application processing.

Abstract: The present disclosure relates to a system for locking a digital asset. In one implementation, the system may include a first computer node that reads a private data store associated with the first computer node and/or reads a distributed ledger to confirm a digital asset is unlocked and can be transferred from the first computer node. The first computer node cryptographically signs and sends a proposed digital lock to a second computer node. When activated, the digital lock prevents transfer of the digital asset from the first computer node to another computer node that is not the second computer node. The first computer node also reads a distributed ledger to confirm the distributed ledger contains the digital lock in an activated state. The first computer node transfers the digital asset from the first computer node to the second computer node.

Abstract: The present disclosure relates to systems and methods to generate user or user group behavior similarities based on computing distances between individual users or user groups and without using demographic data, e.g., based on anonymized data. The methods include creating a multidimensional vector representation for each user in a group by summarizing user's behaviors across various categories. Based on the created vectors, distance calculation and nearest neighbor search are performed to locate users that are most similar to target users. The resulting distance metrics may be used to rank similarities. Additionally, dimensionality reduction may be performed to further distill the behavior information to make the disclosed methods suitable for a variety of analytics and modeling tasks.

Abstract: The present disclosure is directed to consolidated token routing. First data corresponding to a request to conduct a first transaction is analyzed. A first token is generated for the first transaction. Second data corresponding to a request to conduct a second transaction is analyzed. A second token is generated for the second transaction. In response to determining that at least a first component of the first data corresponds to a first component of the second data, a routing of the first token and a routing of the second token are consolidated. The consolidation of the token routing includes transmitting the first token and the second token to one or more devices in a single transmission.

Abstract: Authenticating a secure element payment card includes transmitting a cold reset signal to the payment card and receiving an answer-to-reset message therefrom. The answer-to-reset message includes governing rules for performing a transaction, including a rule indicating that a secure data element is to be used to authenticate the payment card. The process also includes receiving payment account details for a payment account associated with the payment card. A payment authorization request message is transmitted to an interchange network and a card authentication request message is then received from the interchange network. The card authentication request message includes an encrypted instruction, which is transmitted to the secure element payment card. The secure data element is received from the payment card and a card authentication request response message is then transmitted to the interchange network. A payment authorization request response message is then received from the interchange network.

Abstract: The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction.

Abstract: Systems and methods for artificial intelligence transaction priority control are presented. Transaction priority control may be provided in the context of online user accounts maintained by financial institutions. Transaction priority control may be obtained through querying transaction information from a database, applying a predictive model to determine a likely future transaction, assigning a priority score to the future transaction, and approving or denying the future transaction based on the priority score.

Abstract: In example embodiments, a system and method for managing the resale of digital media rights is provided. In example embodiments, user accounts that store digital media rights for digital content may be maintained. An indication that a first user having a first user account intends to transfer digital media rights for a particular digital content may is received. A verification process is performed to verify that the digital media rights of the first user are transferable. Based on an indication that a transaction has occurred, the digital media rights are transferred from the first user account to a second user account associated with a second user that is a recipient of the digital media rights.

Abstract: A payment button on a device, such as a mobile phone, allows the user to remain on the window or page from which an item was selected for purchase. When the user is ready to purchases, the button is selected, and the user simply enters an identifier, such as a password or PIN, and the transaction is processed. The button remains on the same screen and changes during different stages of the payment process.

Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

Abstract: Systems and methods for processing peer-to-peer financial product markup language agency notices are disclosed. According to one embodiment, in an information processing apparatus, a computer-implemented method for processing peer-to-peer financial product markup language agency notices may include: (1) receiving a FpML notice from a sender to a receiver; (2) obtaining a sender unique identifier for the sender and a receiver unique identifier for the receiver; (3) generating a FpML message body for a transaction associated with the notice; (4) generating FpML data comprising the unique identifiers and the FpML message body; (5) generating an electronic message comprising the FpML data; and (6) sending the electronic message FpML data to the receiver.