Abstract: Systems (100), methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems (100) include trusted platforms (120) by which networked communication devices (110) and merchant systems (130) may registered as trusted entities 110?, 130. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets (112), or in the form of secure payment tokens. Common application programming interfaces executed by devices (110) may facilitate push and pull processes between electronic wallets (112) and other secure data stores (136, 120, 160). Users (190) may thereby initiate and complete electronic transactions directly from within applications on trusted devices (110?).

Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the 5 secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, 10 authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.

Abstract: Systems 100; devices 110, 120, 130, 150, 160; methods 2400, 2500; and machine-executable programming structures stored in persistent (i.e., non-transitory), computer-readable media 604, 606, 618, 126, 139 for the rapid and secure negotiation, authorization, execution, and confirmation of multi-party data processes, including payment transactions conducted between purchasers 190 having electronic access to bank accounts and other sources of payment, merchants operating e- and/or m-commerce transaction systems 132, 134, 136, and banks and other financial institutions 120 capable of electronically communicating with both.

Abstract: System and method for facilitating management of a time-varying resource pool. The system includes a processor and a memory coupled to the processor. The memory stores processor-executable instructions that, when executed, configure the processor to: obtain a time-series data set including data entries associated with one or more consumed resources; identify one or more recurring resource allocations based on recurring data entries of the time-series data set; identify additional resource allocations based on irregularly-timed data entries of the time-series data set; determine a forecasted resource pool value based on a combination of the identified recurring resource allocations and the additional resource allocations; and upon detection of a trigger condition, generate data for display, via a user interface, a scaled resource allocation value based on the forecasted resource pool value, the scaled resource allocation value corresponding to at least one time-based reference.

Abstract: There is provided a computer system and method for orchestrating user interface, the method include: obtaining a first data set representative of intercepted data communication messages between a user interface of a user and a merchant hosting server; obtaining a second data set representing an instruction set for loading visual elements on the user interface provided from the merchant hosting server; analyzing the first data set to obtain one or more user-specific characteristics; determining if the user-specific characteristics associated with the user satisfy a trigger condition associated with a current resource offering; and responsive to a positive determination: injecting, into the instruction set for loading the visual elements on the user interface provided from the merchant hosting server, code corresponding to an interactive visual element corresponding to the current resource offering.

Abstract: Systems, devices, methods, and computer readable media are provided in various embodiments having regard to authentication using secure tokens, in accordance with various embodiments. An individual's personal information is encapsulated into transformed digitally signed tokens, which can then be stored in a secure data storage (e.g., a “personal information bank”). The digitally signed tokens can include blended characteristics of the individual (e.g., 2D/3D facial representation, speech patterns) that are combined with digital signatures obtained from cryptographic keys (e.g., private keys) associated with corroborating trusted entities (e.g., a government, a bank) or organizations of which the individual purports to be a member of (e.g., a dog-walking service).

Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the 5 secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, 10 authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.

Abstract: Systems 100; devices 110, 120, 130, 150, 160; methods 2400, 2500; and machine-executable programming structures stored in persistent (i.e., non-transitory), computer-readable media 604, 606, 618, 126, 139 for the rapid and secure negotiation, authorization, execution, and confirmation of multi-party data processes, including payment transactions conducted between purchasers 190 having electronic access to bank accounts and other sources of payment, merchants operating e- and/or m-commerce transaction systems 132, 134, 136, and banks and other financial institutions 120 capable of electronically communicating with both.

Abstract: Systems, devices, methods, and computer readable media are provided in various embodiments having regard to authentication using secure tokens, in accordance with various embodiments. An individual's personal information is encapsulated into transformed digitally signed tokens, which can then be stored in a secure data storage (e.g., a “personal information bank”). The digitally signed tokens can include blended characteristics of the individual (e.g., 2D/3D facial representation, speech patterns) that are combined with digital signatures obtained from cryptographic keys (e.g., private keys) associated with corroborating trusted entities (e.g., a government, a bank) or organizations of which the individual purports to be a member of (e.g., a dog-walking service).

Abstract: A technical validation mechanism is described that includes the use of facial feature recognition and tokenization technology operating in combination with machine learning models can be used such that specific facial or auditory characteristics of how an originating script is effectuated can be used to train the machine learning models, which can then be used to validate a video or a particular dynamically generated passphrase by comparing overlapping phonemes or phoneme transitions between the originating script and the dynamically generated passphrase.

Abstract: Systems, methods, and computer readable media are directed in various embodiments for providing multiuser sessions for coordinated electronic transactions. A technical solution is directed to coordinating the electronic transactions across a plurality of instances, where the underlying users of the instances can include at least two users. Access to sensitive information can be restricted using a trusted execution environment and access can be given in accordance with the coordinated electronic transactions.

Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.

Abstract: A computer implemented system for anonymous electronic verification of location credentials including at least one processor and data storage is described in various embodiments. The system includes cryptographic mechanisms and electronic communication between one or more computing systems that in concert, provide verification of a prover's location credentials in accordance to logical conditions of a verifier's policy without providing additional information to a verifier entity.

Abstract: Systems and methods for secure communication of data packets are described using a communications gateway and protocol. One or more payment generator devices utilize trusted execution environments to store identity attestation parameters which are then utilized during registration and/or validation of device identity at the gateway for secure transmission of secure data, including, for example, payment data.

Abstract: A computational approach is proposed herein for controlling a user interface for rendering of interactive graphical control elements representing offers and coupons that are inserted into a computational payment process. In particular, the offers and coupons can interact with stored payment information resident (or tokens thereof) on a digital wallet data structure. The approach can be implemented as a computing system, a computing method operable on a computing system, or a computer program product affixed in the form of a non-transitory computer readable medium storing machine-interpretable instructions.

Abstract: Systems and methods for establishing data linkages are described in various embodiments. A system architecture is described which provides a data processing orchestrator device or service which securely interoperates with data sets at various points in time associated with a set of interactions a user may have with computer systems. The data sets are obtained from different data repositories, and are combined together for analysis such that a first data set representing intents (e.g., web search/browse history) can be combined together with a second data set representing outcomes (e.g., purchase transaction history, web site shopping carts).

Abstract: Systems, devices, methods, and computer readable media are provided in various embodiments relating to generating a dynamic challenge passphrase data object. The method includes establishing, a plurality of data record clusters, representing a mutually exclusive set of structured data records of an individual, ranking the plurality of feature data fields based on a determined contribution value of each feature data field relative to the establishing of the data record cluster, and identifying, using the ranked plurality of feature data fields, a first and a second feature data field of the plurality of feature data fields. The method includes generating the dynamic challenge passphrase data object, wherein the first or the second feature data field is used to establish a statement string portion, and a remaining one of the first or the second feature data field is used to establish a question string portion and a correct response string.

Abstract: A computer implemented system for controlling access to data associated with an entity includes a data storage device having a protected memory region, and one or more processors, at least one of which is operable in the protected memory region. The one or more processors are configured for: storing a secret key associated with the entity in a portion of the protected memory region associated with the entity; upon receiving entity data, storing the entity data in the portion of the protected memory region associated with the entity; and upon receiving an access grant signal, generating a smart contract, the smart contract defining the entity data to be accessed and a recipient of the entity data to be accessed.

Abstract: A computer implemented system for anonymous electronic verification of location credentials including at least one processor and data storage is described in various embodiments. The system includes cryptographic mechanisms and electronic communication between one or more computing systems that in concert, provide verification of a prover's location credentials in accordance to logical conditions of a verifier's policy without providing additional information to a verifier entity.

Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.