Abstract: A method for authenticating a user includes receiving an authorization request for a transaction from an account. A plurality of authentication questions each having a corresponding correct answer are associated with the account. A first set of authentication questions of the plurality of authentication questions is transmitted to a communication device by way of an interactive voice response (IVR) call. A first set of user-generated answers corresponding to the first set of authentication questions is received from the communication device. The method further includes determining whether the user is an account holder of the account based on at least the first set of user-generated answers. The transaction is processed based on the determination that the user is the account holder of the account, thereby authenticating the user.

Abstract: The invention provides systems, methods and computer program products for securing electronic transactions and users of electronic transaction services from phishing attacks by malicious attackers and fraudsters. A terminal device receives a first data communication comprising an OTP associated with a requested electronic transaction, and identifies a validity period associated with the OTP. The terminal device responds to detection of a second data communication between the terminal device and a remote entity during the identified validity period, by extracting content from the second data communication. The extracted content is analyzed and a risk decision is generated based on output of the analysis of the extracted content. The risk decision determines whether the remote entity comprises, or is controlled by, a malicious attacker.

Abstract: Embodiments provide methods and systems for analyzing device behavior data in multi-factor authentication (MFA) process. The method includes receiving, by a server system, a request in association with a payment transaction between a cardholder and a merchant. The request includes a cardholder identifier and information of a successful verification of a user input entered by the cardholder to perform MFA of the payment transaction. The method includes identifying user profile data stored in a database based on the cardholder identifier. The user profile data includes information of a plurality of registered user devices associated with the cardholder. The method includes performing device behavioral analysis of one or more user devices. The method includes generating an MFA token associated with the payment transaction based on the device behavioral analysis. The method includes transmitting the MFA token for authorizing the payment transaction to a payment server associated with a payment network.

Abstract: The invention provides systems, methods and computer program products for securing electronic transactions and users of electronic transaction services from phishing attacks by malicious attackers and fraudsters. A terminal device receives a first data communication comprising an OTP associated with a requested electronic transaction, and identifies a validity period associated with the OTP. The terminal device responds to detection of a second data communication between the terminal device and a remote entity during the identified validity period, by extracting content from the second data communication. The extracted content is analyzed and a risk decision is generated based on output of the analysis of the extracted content. The risk decision determines whether the remote entity comprises, or is controlled by, a malicious attacker.

Abstract: A method for managing payment vehicle data based on location information is provided. The method includes receiving at least one payment vehicle attribute of at least one payment vehicle, receiving location information specifying a geographical location for use of the at least one payment vehicle, retrieving payment vehicle data from one or more databases based on the at least one payment vehicle attribute, filtering the payment vehicle data using the location information, to exclude data that is not applicable to the geographical location, and displaying the filtered payment vehicle data to the user.

Abstract: A method for authenticating a user includes receiving an authorization request for a transaction from an account. A plurality of authentication questions each having a corresponding correct answer are associated with the account. A first set of authentication questions of the plurality of authentication questions is transmitted to a communication device by way of an interactive voice response (IVR) call. A first set of user-generated answers corresponding to the first set of authentication questions is received from the communication device. The method further includes determining whether the user is an account holder of the account based on at least the first set of user-generated answers. The transaction is processed based on the determination that the user is the account holder of the account, thereby authenticating the user.

Abstract: A method for managing a network connected appliance, the method including, in one or more electronic processing devices: (a) determining status information associated with the appliance; (b) determining a goods/service requirement for the appliance in accordance with the status information; and, (c) causing the required goods/service to be purchased from a merchant via a payment system.

Abstract: Disclosed is a machine for redeeming an entitlement that includes an interface for receiving user data including payment vehicle data. In an embodiment, a payment vehicle reader reads payment vehicle data from a payment vehicle, and an input device receives an input of at least one additional identifier. The machine also includes a communication module in communication with a processor. The processor receives account data associated with the user, wherein the account data includes one or more entitlements representing an award. The interface is configured to receive a selection of at least one entitlement, and the machine also includes a cash dispensing device for dispensing cash when a selected entitlement is an amount of cash.

Abstract: A method for managing payment vehicle data based on location information is provided. The method includes receiving at least one payment vehicle attribute of at least one payment vehicle, receiving location information specifying a geographical location for use of the at least one payment vehicle, retrieving payment vehicle data from one or more databases based on the at least one payment vehicle attribute, filtering the payment vehicle data using the location information, to exclude data that is not applicable to the geographical location, and displaying the filtered payment vehicle data to the user.

Abstract: Disclosed is a machine for dispensing cash. The machine comprises an interface for receiving user data, the user data comprising payment vehicle data. The interface includes a payment vehicle reader for reading the payment vehicle data from a payment vehicle of a user and an input device for receiving an input of at least one additional identifier, the user data comprising the at least one additional identifier if the at least one additional identifier is inputted. The machine further comprises a communication module in communication with a processor, for sending the user data to the processor and receiving, from the processor, account data of an account associated with the user, the account being identifiable using the user data, the account data comprising one or more entitlements, each entitlement representing an award to which the user is entitled, wherein the interface is configured to receive a selection of at least one entitlement of the one or more entitlements.

Abstract: A computer implemented method of processing a mobile payment transaction is disclosed. The method comprises: receiving a mobile payment authorization request, the mobile payment authorization request indicating authentication information and an identifier of a payment card associated with the transaction, the authentication information comprising a device identifier of a payer device; comparing authentication information with stored authentication information associated with the payment card; and generating an authorization message for the mobile payment if the authentication information matches the stored authentication information associated with the payment card.

Abstract: A method is disclosed for performance by at least one server, for securing an electronic transaction request from a computing device for fraud detection. The request is received as a data packet comprising at least identification data of a payment card associated with the transaction and a MAC address of the computing device, is disclosed. The method comprises the server comparing the MAC address with at least a first list of MAC addresses to obtain a first determination; the server using the identification data to obtain at least one second determination; and the server transmitting a response to the computing device to accept or decline the request based on the first determination and the at least one second determination. A related computing device and server are also disclosed.

Abstract: A method for allocating actual production loss of a wellsite. The method includes defining a data collection procedure and capturing production data according to the data collection procedure, the production data including actual production data and a maximum production potential of the wellsite. The method further includes selectively allocating a portion of the actual production data to the wellsite based on allocation rules to obtain derived production data, comparing the derived production data to the maximum production potential to determine the actual production loss for the wellsite, allocating the actual production loss to at least one of the production events, and determining a cause of the actual production loss based on an engineering analysis of the production events.

Abstract: A method for allocating actual production loss of a wellsite. The method includes defining a data collection procedure and capturing production data according to the data collection procedure, the production data including actual production data and a maximum production potential of the wellsite. The method further includes selectively allocating a portion of the actual production data to the wellsite based on allocation rules to obtain derived production data, comparing the derived production data to the maximum production potential to determine the actual production loss for the wellsite, allocating the actual production loss to at least one of the production events, and determining a cause of the actual production loss based on an engineering analysis of the production events.