Abstract: A System, Computer Program Product, and computer-executable method for managing a virtual network, the System, Computer Program Product, and computer-executable method comprising receiving a request to create the virtual network, creating a policy based on a catalog virtual network resources, and implementing the virtual network based on the created policy.

Abstract: A method and system implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method includes generating, by a processor, the requested at least one NFC code and token, wherein the at least one NFC code and token an identification of the price the customer pays for a specific product, the customer's amount owed on an invoice or granting access to a secure account, transmitting, by a transmitter, the at least one NFC code and token to a vendor server; receiving, by a receiver, a response email, wherein the response email includes the token; decoding, by the processor, the token; performing, by the processor, an Sender Policy Framework (SPF) and DomainKeys Identified Mail (DKIM) validation; and processing, by the processor, the transaction, on a condition that the SPF and DKIM validations are approved.

Abstract: A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.

Abstract: Architecture and methods may be provided to enable a user to authenticate and complete a cardless transaction at a point-of-sale (“POS”) device. The POS device may include a keypad configured to receive a sequence of keypresses. The POS device may also include a processor configured to record the sequence of keypresses and tag each keypress with a time-stamp. The POS device may include a keypress controller configured to determine from the sequence of keypresses, a number of keypresses, a frequency of each keypress and a time-delay between each keypresss. The sequence of keypresses may be transmitted to a secure transaction network and, using a machine-learning pattern identifier, be configured to identify a pattern to the sequence of keypresses based off of the determined number of keypresses, the frequency and time-delay and then further verify that the pattern matches to a stored pattern to authenticate the cardless transaction.

Abstract: Systems and methods for operating a bridge server to support multiple shards of blockchains are disclosed. The multiple shards may be used to record ownership rights of in-game digital assets. The in-game digital assets may be usable in an online gaming platform. Exemplary implementations may: execute an instance of a game; maintain user accounts for the users of a blockchain on a first and a second decentralized ledger server; record sets of rights pertaining to sets of digital assets; receive an exchange request for a first digital asset; receive transferal information for the first digital asset; transfer sets of instructions to the first and second decentralized ledger servers such that the first decentralized ledger server removes the first digital asset from the first set of digital assets and the second decentralized ledger server adds the first digital asset to the second set of digital assets.

Abstract: A contactless payment device including a wireless communication device; a power source; a processor coupled to the power source; an accelerometer communicatively coupled to the processor and the power source; and an actuator communicatively coupled to the wireless communication device and the processor. The actuator is configured to activate the wireless communication device when the actuator is set in a closed state, and deactivate the wireless communication device when the actuator is set in an open state. The processor is configured to receive an incoming signal from the accelerometer; determine whether the incoming signal corresponds to a pre-programmed signal corresponding to an enabling gesture; and set the actuator in the dosed state for a time interval, when the incoming signal corresponds to the enabling gesture.

Abstract: Blockchain-based systems and methods related to creating and distributing cryptographically secure, digital tokens representing equity in assets corresponding to loan agreements. The system may comprise a transaction interface portal configured to collect and manage information pertaining to the origination of a loan agreement or a token transaction agreement. The system may include an underwriting smart contract configured to autonomously verify the value of an asset corresponding to a loan origination based at least partially on information not originating on the blockchain. The system may deliver tokens through a programmable escrow wallet configured to deliver tokens to buyers upon the satisfaction of encoded regulatory criterion. The system may be configured to determine the price of one or more tokens before delivery and adjust the price based at least on the appreciating value of the assets corresponding to the loan agreements and the number of tokens retired by the system.

Abstract: Embodiments of the invention provision multiple payment tokens on a communication device. The communication device may be provisioned with multiple limited use keys (LUK), each LUK being associated with a specific type of transaction. When the communication device is used for a transaction, the communication device automatically determines a type of the transaction and selects an appropriate LUK based on the determined transaction type. The selected LUK may be used to create a cryptogram, which can be used to verify the transaction.

Abstract: Improved methods and systems are described that improve and enhance payment transaction technologies using node association in a wireless node network. In general, a master node related to a payment receiver may detect a signal from an ID node related to a payment provider as the ID node approaches the master node. The master node may then determine if the ID node desires to associate with the master node for a payment transaction based upon a first part of information within the detected signal, such as an identified item being purchased in the transaction. If desired, the master node and the ID node associate for the payment transaction, and the master node then submits payment transaction data to a server. Such payment transaction data is based upon a second part of information within the detected signal, such as an identified payment source for the transaction.

Abstract: A computer-implemented method and apparatus are provided to reduce false fraudulent declines of transactions. Payment processor (PP) systems may be provided with a request acceptor and a replacement transaction generator. The request acceptor receives a notification of a decline of a first transaction attempted by a cardholder with a merchant, for allegedly fraudulent, and a request to determine whether the first transaction was falsely identified as fraudulent, and if so, to remedy the first transaction. The replacement transaction generator generates, in response to a determination that the first transaction was falsely identified as fraudulent, and the merchant is a false fraudulent reduction partner merchant, a replacement second transaction to replace the declined first transaction. The replacement second transaction may include a bypass authorization code, and made available to the cardholder to use to transact with the merchant bypassing the declined first transaction.

Abstract: Systems, methods, and devices for provisioning funding card numbers to merchant wallets are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for provisioning funding card numbers to third party wallets may include: (1) authenticating a customer using an electronic device; (2) redirecting the customer to a third-party website; (3) receiving, from the third-party website and via a first API, a request for funding primary account numbers (FPANs) associated with the customer; (4) providing the third-party website with a plurality of FPAN identifiers for FPANs associated with the customer; (5) receiving, from the third-party website and via a second API, a request for a FPAN associated with a selected FPAN identifier; (6) encrypting the FPAN associated with the selected FPAN identifier; and (7) communicating the encrypted FPAN to the third-party website.

Abstract: A method and apparatus for fraud detection during transactions using identity graphs are described. The method may include receiving, at a commerce platform system, a transaction from a user having initial transaction attributes and transaction data. The method may also include determining, by the commerce platform system, an identity associated with the user, wherein the identity is associated with additional transaction attributes not received with the transaction. Furthermore, the method may include accessing, by the commerce platform system, a feature set associated with the initial transaction attributes and the additional transaction attributes, wherein the feature set comprises machine learning (ML) model features for detecting transaction fraud.

Abstract: Systems and methods for detecting fraud. One method includes providing an input device, the input device having processing circuitry, a memory, and at least one information receiving module for receiving information associated with a user of the input device. The method also includes providing a sensor in electronic communication with the processing circuitry. The sensor has a sensor coil, and the sensor coil is disposed proximate the at least one information receiving module. Further, the method includes flowing alternating electrical current through the sensor coil to generate a magnetic field, measuring at least one electrical characteristic of the sensor, and providing first information representative of the at least one electrical characteristic to the processing circuitry. Finally, the method includes storing in the memory second information representative of at least one predetermined value of the at least one electrical characteristic and comparing the first information with the second information.

Abstract: An MRI image processing and analysis system may identify instances of structure in MRI flow data, e.g., coherency, derive contours and/or clinical markers based on the identified structures. The system may be remotely located from one or more MRI acquisition systems, and perform: error detection and/or correction on MRI data sets; segmentation; visualization of flow superimposed on anatomical structure, quantification; verification; and/or generation of patient specific 4-D flow protocols. A protected health information (PHI) service is provided which de-identifies medical study data and allows medical providers to control PHI data, and uploads the de-identified data to an analytics service provider (ASP) system. A web application is provided which merges the PHI data with the de-identified data while keeping control of the PHI data with the medical provider.

Abstract: Mobile cloud and mobile cloud computing for a user-customized survey or election service system and method are provided. The mobile cloud and mobile cloud computing-based user-customized survey or election service provides an editor's metadata frame for creating user-customized survey or election service contents to information devices including user's smartphone from a service server and a metadata description frame database for generating the editor's metadata frame and storing the user's contents to the service server.

Abstract: A method of constructing and handling a request for a desired data file relating to a broadcast segment of a broadcast signal is described. The method comprises receiving an information signal at a receiving device. The information signal comprises at least a data element, and the data element relates to a segment of the broadcast signal. The method also comprises presenting the data element to a user interface of the receiving device, obtaining a user selection of the data element from the user interface, and constructing and transmitting a request for the desired data file relating to the selected data element, the request including an identifier relating to the desired data file.

Abstract: A device may receive, from a contactless card, a uniform resource locator (URL) and encrypted data. The device may download a first application from an application server based on the URL. The device may download and execute the first application. The first application may receive the encrypted data.

Abstract: A payment processing server generates an asymmetric cryptographic key pair, over one secure communications channel providing a mobile device with one cryptographic key of the cryptographic key pair, and saves another cryptographic key of the cryptographic key pair in a pending transaction database in unique association with a single-use payment number and a financial account. The server encrypts the payment number, which does not identify the financial account, with the another cryptographic key and provides the mobile device with the encrypted payment number over another secure communications channel distinct from the one secure communications channel. The server receives from a payment terminal a payment completion request that includes the encrypted payment number decrypted with the one cryptographic key.

Abstract: A method includes receiving, by a computing device of a media service provider, a search request associated with a first product. The search request is received from a media device associated with a subscriber of a service provided by the media service provider. The method includes, in response to the search request, determining, by the computing device, a responsible party associated with the first product based on a purchase date of the first product and a return period for the first product. The method also includes sending, from the computing device to the media device, contact information of the responsible party. The contact information is to be displayed by the media device to a display device with an option to contact the responsible party.

Abstract: Conducting hands-free transactions comprises a server at a payment processing system, a user computing device, and a merchant computing device. The payment processing system receives a communication from a hands-free payment application on a user device, the communication comprising a first transaction token, an identification of a user account, and a beacon identifier. The merchant may provide a challenge to the user and use the response to identify the token and account of the user. The merchant computing device can use voice patterns of the user to assist in identifying the token and account of the user. The system receives from the merchant computing device a transaction request, the transaction request comprising the first transaction token and transaction data associated with the transaction request. The system determines that the transaction is for an amount less than a configured transaction limit and communicates a request for an authorization of the transaction.