Abstract: A system described herein may provide for the verification of payment information associated with a particular user request. The payment information may be verified by a third party and provide verification information to the call center processing the order request. Some information may be provided by the call center processing through the request by receiving information regarding the particular user from a repository.

Abstract: There is disclosed a mobile device integrated keyboard sales platform that enables a potential seller or shopkeeper to complete a sale, including transmission of product information, generation of a purchase order form, generation of a delivery information form, and receipt of payment all using an alternative keyboard installed on a mobile device. Every aspect of the process may be completed reliant upon the alternative keyboard, rather than a stand-alone application or multiple stand-alone applications, and may take place in any chat application or multiple chat applications or in a special purpose sales chat application.

Abstract: A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.

Abstract: A method of securely and accurately adjudicating claim payouts in a risk-sharing event pool having a claim benefit account. The method includes receiving a request for a claim payout from a claimant participating in the event pool along with information regarding the claim. Members of the event pool serving as jurors analyze the information and vote to validate or reject the claim. A predetermined number of votes are randomly selected and tallied to determine if the claimant is successful in the request for a claim payout. The method also includes the step of locking the claim benefit account where members cannot withdraw from the event pool until the term has ended. The method further includes the step of unlocking the claim benefit account to share all remaining funds equally among members when the claim benefit account balance is greater than zero and the term of the event pool expires.

Abstract: In one embodiment, a traffic analysis service obtains telemetry data regarding encrypted traffic associated with a particular device in the network, wherein the telemetry data comprises Transport Layer Security (TLS) features of the traffic. The service determines, based on the TLS features from the obtained telemetry data, a set of one or more TLS fingerprints for the traffic associated with the particular device. The service calculates a measure of similarity between the set of one or more TLS fingerprints for the traffic associated with the particular device and a set of one or more TLS fingerprints of traffic associated with a second device. The service determines, based on the measure of similarity, that the particular device and the second device were operated by the same user.

Abstract: Provided are methods that include determining a set of transaction related actions for an agent, selecting a first transaction related action from the set of transaction related actions for the agent based on a plurality of features associated with the agent, generating transaction data associated with a fraudulent transaction based on the first transaction related action, generating a feature vector, the feature vector including transaction data associated with the fraudulent transaction, providing the feature vector as an input to a fraud detection machine learning model. Methods may also include determining an output of the fraud detection machine learning model based on the feature vector as the input, and generating a fraudulent reward parameter for the first transaction related action based on the output of the fraud detection machine learning model. Systems and computer program products are also provided.

Abstract: Systems and methods for recognizing and depositing digital files. Receive an unidentified file. Identify a target client and at least one account associated with the unidentified file. Segment the unidentified file into one or more document images. For each document image: scan the image and extract content, label the image based on its content, select an account of the target client, and deposit the labeled image in the selected account.

Abstract: The present disclosure describes a method, device, and non-transitory computer readable storage medium for classifying an input image. The method includes extracting, by a device, a global feature of a input image. The method includes determining, by the device, a local critical area of the input image based on the input image and the global feature; and extracting, by the device, a local feature of the local critical area. The method includes obtaining, by the device, a correlation feature of the input image based on the global feature of the input image and the local feature of the local critical area of the input image. The method includes classifying, by the device, the input image to obtain a classification result based on the global feature of the input image, the local feature of the local critical area, and the correlation feature of the input image.

Abstract: According to an embodiment, there is provided a method for authorizing use of an application on a device. The method includes: identifying a plurality of device identifiers of the device; determining authorization information based on predetermined one or more of the plurality of device identifiers; and determining authorization for use of the application on the device in response to the authorization information.

Abstract: A method for performing a security login in an electronic device includes accessing, by an electronic device including a communication circuit and a processor, a web page. The method also includes receiving a user input for requesting a login to the web page and receiving first information for the login from the web page. The received first information is transmitted to a payment service provider server and a request for second information for authentication is received from the payment service provider server. The requested second information is transmitted to the payment service provider server and the login to the web page is performed.

Abstract: Methods and systems for protecting sensitive data and applications on a mobile device. In an embodiment, a mobile device processor of a mobile device downloads, from a digital wallet server computer, a mobile wallet application including a white box software development kit (SDK) which includes code protection processes, then obfuscates, by running the code protection processes of the white box SDK, consumer financial data and consumer authentication data and stores the obfuscated consumer financial data and consumer authentication data in a regular memory of the mobile device. The process also includes protecting, by the mobile device processor running the white box SDK, sensitive applications stored in the regular memory which execute during a transaction from attack, and re-obfuscating, by the mobile device processor, at least one of the consumer financial data and the consumer authentication data according to a predetermined time interval.

Abstract: Provided are a system and method for identifying a transaction as a card on file payment transaction. The method may include receiving an authorization request message for a transaction from a merchant computing device, detecting payment account information and an identifier which are included in the authorization request message, where the identifier identifies the payment account information as being from a payment account on file, and authorizing the transaction based on the detected payment account information and the detected identifier.

Abstract: An example transaction analysis platform is described herein. The transaction analysis platform may analyze an audio signal to determine whether a user is associated with a transaction. The transaction analysis platform may determine that a tone of the audio signal is a transaction tone associated with the transaction. The transaction analysis platform may process, based on detecting the transaction tone, the audio signal to identify a set of tones associated with the transaction. The transaction analysis platform may generate, based on a quantity of the set of tones, transaction information associated with the transaction, wherein the transaction information identifies a quantity of items associated with the transaction, wherein the quantity of items corresponds to the quantity of the set of tones. The transaction analysis platform may perform an action associated with the transaction information and a transaction account of the user.

Abstract: A payment network server for processing a cashless payment transaction via a point-of-sale (POS) terminal associated with a merchant server is described.

Abstract: The concept disclosed is referred is a temporary identification device, or, “TID.” The TID comprises essentially, different embodiments of a reproducible layer, the reproducible layer being a pictographic rendering of data, information, colors, and visualization codes pertaining to a specific subject, the subject being animate or inanimate. The medium of the reproducible layer may be, but is not limited to, paper, fabric, synthetic material, or an inked imprint/impression of the data and information integral to the TID. The medium of the reproducible layer is encompassed within, or incorporated onto the TID. In some embodiments, the information embodied within or upon the TID may be transferred directly onto the skin or surface of a subject.

Abstract: A mechanism for providing electronic commerce data onto publisher's site. The mechanism also provides ability for a consumer to interact with that data to complete a purchase from within the publisher's website or application. A method includes retrieving merchandise data from a plurality of merchants and storing at least one group of merchandise data formed based on the merchandise data and content on a publisher site. The method also includes embedding the group of merchandise data on the content of the publisher's website and generating a merchandise frame in view of the embedment. The method further includes rendering the merchandise frame directly onto the publisher site. The method further includes rendering a universal check out frame on the publisher's site, which provides the user the ability to check out from multiple retailers within a single universal check out on a publisher's site.

Abstract: An approach is provided that receives, over a computer network, transaction data from a number of clients that are running an app. The approach generates association rules by inputting the transaction data to an association rule learning algorithm, such as an Apriori algorithm. Each association rule is based on a user transaction pattern and a desired result, and each association rule includes a generated confidence value that pertains to an expected performance of one of the steps included in the respective association rule. The app is then modified based on an analysis of the generated confidence values, with the app modification being directed towards improving one or more of the confidence values.

Abstract: Methods, systems, and computer program products for the coordination of payment of medical goods and/or services of patients in developing countries by relatives of those individuals living abroad, such as in the diaspora of particular cultures or nationalities. The methods and systems are implemented using a global database application on a networked computing platform comprising one more machines selected from the group consisting of personal computers, desktop computers, laptop computers, message processors, hand-held devices, multi-processor systems, microprocessor-based consumer electronics, programmable consumer electronics, network computers, minicomputers, mainframe computers, portable tablet devices, mobile telephones, personal digital assistants (PDAs), video game consoles, and portable media players.

Abstract: Systems and methods for facilitating at least a portion of a secure electronic financial transaction are provided herein. Methods may include generating a unique payee identifier that represents a unique payment relationship between a payee and one or more payors, receiving a transaction request, the transaction request comprising the unique payee identifier and a payment, and authorizing a payment to the payee that corresponds to the payment.

Abstract: An example operation may include one or more of receiving an identification of vendor resources held by each of a plurality of members of a social network, extracting respective preference information of the plurality of members from web pages associated with the plurality of members on the social network, automatically determining to exchange resources of a first vendor issued to a first member of the social network with resources of a second vender issued to a second member of the social network based on extracted preference information of the first and second members, and triggering execution of the exchange of resources via one or more blockchain computing networks associated with the social network.

Abstract: A blockchain asset that is transferred from a second blockchain member is received at a first blockchain member in response to an asset transfer request for transferring an asset between a payer and a payee, where the first blockchain member and the second blockchain member associated with a blockchain. In response to receiving the blockchain asset, an off-chain asset transfer-out operation for the payee is performed by the first blockchain member. If the off-chain asset transfer-out operation fails, a transaction reversal application for an asset transfer transaction corresponding to the asset transfer request is written into the blockchain by the first blockchain member. In response to writing the transaction reversal application, an asset clearing with the second blockchain member for an off-chain asset corresponding to the off-chain asset transfer-out operation is performed by the first blockchain member.

Abstract: A method implemented in a computer infrastructure having computer executable code tangibly embodied on a computer readable medium being operable to associate each of a plurality of tenants with a respective virtual portal and individually meter virtual portal usage at each respective virtual portal. Additionally, the computer executable code is operable to determine a fee amount for the each of the plurality of tenants based on the individually metered virtual portal usage.

Abstract: A method comprising creating, by a computer-based system for shifting financial responsibility for a transaction from a merchant to a transaction account issuer, a digital wallet associated with a transaction account holder, wherein the digital wallet comprises one or more attributes associated with the transaction account holder, confirming, by the computer-based system, the attribute in response to a transaction request, and/or determining, by the computer-based system, whether to shift financial responsibility for the transaction from the merchant to the transaction account issuer.

Abstract: A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device.

Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include detecting, using the wireless transceiver, at least one external device in communication range of the device. The processing may include receiving, by the wireless transceiver, at least one external device identifier from the at least one external device. The processing may include verifying the at least one external device identifier. The verifying may include locating the at least one device identifier in a blockchain record of a transaction involving the at least one external device. The processing may include performing at least one transaction requiring the verified at least one external device identifier.

Abstract: A system and method for providing access to data of a user or services relevant to a user. A customer data key is created by a server that is specific to an application, the user of the application, and the device upon which the application resides. The server may receive an application programming interface call to create the customer data key; however, any call accessing or affecting user-specific data which does not contain a valid and authorized customer data key may be rejected. To authorize the access to the offered data or services, the user conducts an entirely separate transaction not mediated by the application. During this separate transaction, the customer data key may be activated, permitting access to the data or services using the activated customer data key.

Abstract: A method and system for improving a frictionless authorization process is provided. The method includes first detecting a mobile device of a first user at first micro locations within a retail entity. Additionally, the mobile device is additionally detected entering a first check out lane of the retail entity for purchase of first items from the retail entity. The user is authorized for purchase of the first items from the retail entity and attributes associated with the previous detections with respect to the authorization are analyzed. Resulting future authorization attributes for authorizing the mobile device for future purchases of items from the retail entity are determined.

Abstract: A system and method uses a cloud computing based mobile wallet application for deconstructing various elements of magnetic stripe data corresponding to a pre-paid gift card, storing such data elements in disparate secure storage devices on different networks to enhance security and reassembling the various elements to reconstruct the magnetic stripe data on demand at the time of processing a financial transaction.

Abstract: Systems as described herein may include authorizing the sharing of data and sharing data between a variety of systems. A request to share data may be provided to a first system. The system may create sharing session data on a distributed ledger accessible by a number of systems. Sharing session data may be stored using a transaction stored on a distributed ledger. A second system may obtain the sharing session account and verify the sharing session. On verification of the sharing session, a variety of data may be shared between the systems identified in the sharing session data. The sharing session data may be established between two or more systems. The distributed ledger may be maintained by the systems themselves and/or a distributed network system. In a variety of embodiments, encrypted data may be stored and/or obtained using the distributed ledger.

Abstract: Account registration using a contactless card. A payment application executing on a device may receive a request to generate a payment account using a contactless card. The payment application may receive encrypted data from the contactless card and transmit the encrypted data to a server associated with the contactless card. The device may receive a push notification from the server and open an account application associated with the contactless card responsive to selection of the push notification. The account application may receive confirmation to generate the payment account using the contactless card and transmit the confirmation to the server. The device may open the payment application responsive to receiving verification of the encrypted data from the server. The payment application may fill form fields with account data received from the server and generate the payment account using the account data received from the server filled into the form fields.

Abstract: The specification describes methods and systems for payment processing. An example method comprises: receiving a product settlement request from a settlement user; acquiring and storing biometric feature information of the settlement user; receiving product information from the settlement user; obtaining a payment account of the settlement user according to the stored biometric feature information; and deducting, from the payment account, a consumption amount determined based on the product information.

Abstract: Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.

Abstract: Systems and methods for efficiently conducting a commercial transaction involving a gratuity are provided. The systems and methods enable users to set tipping preferences in advance so as to be applied automatically during subsequent commercial transactions.

Abstract: In one example, a processing system of a mobile computing device including at least one processor may capture visual information of a first location, transmit a recognition request to a first server, the recognition request comprising the visual information, obtain a first recognition result from the first server comprising first annotation content associated with a first item in the visual information of the first location, the first recognition result further comprising visual information of the first item, present at least a portion of first annotation content via the mobile computing device, store the first annotation content and the visual information of the first item in a local cache, detect a first additional mobile computing device via a non-cellular wireless communication modality, and share the first annotation content and the visual information of the first item with the first additional mobile computing device via the non-cellular wireless communication modality.

Abstract: Various embodiments include a method of facilitating identity information exchange in a cryptocurrency transaction. An information compliance computer system can receive a pending cryptocurrency transaction from a transmitter wallet service system for managing one or more user wallet accounts, each associated with one or more cryptographically verifiable addresses in a cryptocurrency exchange network. The information compliance computer system can identify a recipient wallet service system associated with a destination address indicated by the pending cryptocurrency transaction. Information compliance computer system can exchange identity information between the transmitter wallet service system and the recipient wallet service system. The information compliance computer system can publish the pending cryptocurrency transaction to the cryptocurrency exchange network for inclusion into a block chain of the cryptocurrency network.

Abstract: Disclosed are systems and methods for securely verifying a subset of personally identifiable information (PII) of a first user to a second user is disclosed. A computer-implemented method may include receiving a query request from the second user through a second user application to verify the subset of PII of the first user; prompting the first user, through a first user application, to authenticate the query request; in response to the first user authenticating the query request, processing the query request to identify, in a secured database, the subset of PII of the first user stored in the secured database, to generate an identified subset of PII; comparing the subset of PII to the identified subset of PII to determine if a condition is satisfied; based on the comparing, generating an answer to the query request; and transmitting the answer to the second user through the second user application.

Abstract: Techniques for optimizing a food service configured to receive food orders from multiple customers, and consolidate orders based on respective days, times, and locations associated therewith. The food orders may include deliveries, customer pick-ups, and dine-in options for eating at a restaurant. The optimized food service may be configured to assign a restaurant to the consolidated orders and send a preparation instruction to the restaurant to prepare the consolidated orders for a designated pick-up or dining time. The optimized food service may additionally instruct an order supervisor to travel to the restaurant to assist in preparation of the consolidated orders. The order supervisor may additionally serve a food order, such as for a dine-in option or full service, catered delivery. For delivery orders, the optimized food service may assign a courier and, in some examples, a delivery assistant, to deliver the orders to respective customers.

Abstract: The present disclosure relates generally to a system that tracks the funding source of an amount of funds as the funds are transferred between various accounts or balances of various components of the system.

Abstract: A reward card platform includes a database storing funding accounts, reward card purchase transactions, and aberrant activity rules. A first user interface enables purchasing reward cards, including controls to specify reward card parameters. A second user interface enables specifying rules to detect aberrant activity. The second user interface includes user interface controls to specify the rule parameters, including: specifying a moving window of time; specifying an aggregation type; specifying filtering; specifying aggregation grouping; and specifying a threshold value for triggering an alert. The platform includes a rules execution engine that runs periodically to evaluate each of the rules. For each rule, the engine identifies transactions whose timestamps fall within the moving window of time relative to a current time and satisfies the filters, then computes an aggregation of the transactions according to the aggregation type and aggregation grouping.

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

Abstract: This invention relates to a method and a system for performing seamless authentication and identification of a mobile subscriber requesting to access a 3rd Party Merchant's online platform. The subscriber verification system intercepts a message sent from a first network node to a second network node during a data session establishment procedure. The subscriber verification system extracts a first set of identification values associated with a user equipment (UE) from the intercepted message. After the data session is established, the UE sends an encrypted request to access the Merchant server. The Merchant server identifies a second set of identification values associated with the encrypted request and sends them for validation to the subscriber verification system. The second set of identification values is compared against the first set of identification values. If the two set of identification values match, the UE is authenticated.

Abstract: Example access control techniques described herein are intended to enable guest access for a media playback system while maintaining security of the media playback system. An example implementation involves a computing device receiving a request to control a media playback system comprising a playback device. After receiving the request, the computing device obtains access to the media playback system. Obtaining access may involve obtaining a first identifier associated with the media playback system, obtaining a second identifier using the first identifier over a wide area network (WAN) with a computing system, and obtaining a token using the second identifier over the WAN with the computing system. The example implementation further involves receiving a request for the media playback system to perform an operation and causing the media playback system to perform the operation using the token.

Abstract: This disclosure describes a technique to fingerprint TLS connection information to facilitate bot detection. The notion is referred to herein as “TLS fingerprinting.” Preferably, TLS fingerprinting herein comprises combining different parameters from the initial “Hello” packet send by the client. In one embodiment, the different parameters from the Hello packet that are to create the fingerprint (the “TLS signature”) are: record layer version, client version, ordered TLS extensions, ordered cipher list, ordered elliptic curve list, and ordered signature algorithms list. Preferably, the edge server persists the TLS signature for the duration of a session.

Abstract: In some examples, a mobile device registers an account of a first service with an account control service, the account control service separate from the first service. In response to the mobile device being authorized with respect to the account control service, the mobile device searches for a target device that is within a communication range of the mobile device. The mobile device transmits, to the target device found in the search, a credential of the account of the first service being accessed by the target device over a network.

Abstract: Methods for capturing an image for identity verification and recordation are provided. The methods may include receiving, at a specialized processing device, transfer data from a remote terminal. The methods may include determining, based on the transfer data, that an identity verification process is required to execute the transfer data. The methods may include sending, based on a determination that the identity verification process is required, a first image file to the terminal for display. The methods may include receiving from a mobile device, information derived from the first image file which identifies the transfer data and a second image file. The methods may include determining, whether the second image file meets a predefined criteria associated with the transfer data identified by the information derived from the first image file. The methods may include sending an authorization signal upon determining that the second image file meets the criteria.

Abstract: A technology is described for determining a trust score or trust metric used to determine whether to allow a connection to a high risk destination. In one example of the technology, a connection request to initiate a connection with a destination over a network may be received at a communication service. The communication service may identify a customer account associated with the connection request and obtain a trust score that indicates whether the connection request associated with the customer account may be allowed. The communication service may determine whether the connection request associated with the customer account is allowed to initiate the connection with the destination based on the trust score, and initiate the connection with the destination over the network when the trust score allows the connection request.

Abstract: Systems, apparatuses, and methods are provided herein for automated customer recurring payment processing. A central computer system being configured to detect a payment date for a recurring payment associated with a customer account, retrieve customer payment information, and submit the customer payment information to a bank system. In the event the authorization fails and an error code corresponds to a payment information error, the system automatically generates a notification message to the customer at the messaging server, submits the updated customer payment information to the bank system, and updates an account status of the customer account when a payment authorization is received from the bank system.

Abstract: A method for distributing network services for a network device through a multi-tenant network service. An identification parameter is associated with the device and is stored in a database by an orders management system after the device is ordered. The method includes establishing a network connection between a network device and a multi-tenant network service and, in response to establishing the network connection, obtaining device-associated identification parameter from the network device. The identification parameter is used to query the database for at least one record associated with the network device identifying a tenant of the multi-tenant network service in which the tenant corresponds to the device. The service maps the network device to the identified tenant of the multi-tenant network service and distributes network services based upon the mapping of the network device to the identified tenant.

Abstract: Applying funds is disclosed. A set of interfaces for configuring filtering criteria and receiving user configurations of the filtering criteria is displayed. Fund information pertaining to a fund that is to be applied to one or more receivables under an insurance policy account is received. A set of eligible receivables is identified based on filtering information included in the fund information and a set of preconfigured filtering criteria. A set of ranked receivable partitions to which the fund is applied is established based on a set of preconfigured priority criteria and using the fund information and information associated with the set of eligible receivables. The fund is applied to the ranked receivables partitions according to the rankings.

Abstract: Systems and techniques for multi-layer user authentication with live interaction are described herein. An authentication request may be received from a user for secure data stored in a computing system. Contextual data may be received that is associated with authentication information received from the user. It may be determined that the user has passed a first authentication process based on a match between the authentication information and reference authentication information stored in a user profile for the user. A risk score may be generated for the authentication request based on the contextual data and the authentication data. A second authentication process may be identified based on the risk score. A set of secondary authentication information may be received. Data associated with the authentication request may be transmitted upon authentication of the user via the second authentication process based on the set of secondary authentication data.