Abstract: Systems and methods for automated linkage of enriched transaction data to a record of charge are provided. Electronic enriched transaction data, such as receipt information, provided by merchants, merchant aggregators, or third parties may be automatically associated with the corresponding transaction, and transmitted after the sale, or after authorization of the transaction, without user intervention. The enriched transaction data may be automatically associated with the record of charge at the acquirer or issuer end. Transaction account holders are able to view and/or download the electronic enriched transaction data with the record of charge, without the need for manually initiating emailing or attaching or the electronic enriched transaction data.

Abstract: Systems and methods for transactions using remote EMV payment applications are disclosed. The system may enable EMV transactions to be completed using EMV payment applications stored in a remote server. The remote EMV payment application may directly communicate EMV transaction data to the issuer system to complete transactions. The system may receive a transaction request comprising a payment token and an EMV payment application uniform resource identifier (“URI”). The system may invoke from a payment application server a remote EMV payment application based on the EMV payment application URI, wherein in response to being invoked, the remote EMV payment application is configured to interact with a merchant system kernel to process the transaction request, and wherein in response to processing the transaction request the remote EMV payment application is configured to transmit a transaction authorization request comprising EMV transaction data directly to the issuer system.

Abstract: Systems and methods are described related to using flexible circuitry in a payment accessory. In one embodiment, a payment device comprises a computing device and a memory. The computing device is configured to store a first biometric identifier for a first user and a second biometric identifier for a second user. The first biometric identifier is associated with a first transaction account and the second biometric identifier is associated with a second transaction account. A scanned biometric identifier of the first user is received. The first user is authenticated by matching the scanned biometric identifier to the first biometric identifier. The transponder is activated in response to matching the scanned biometric identifier to the first biometric identifier. The first transaction account is transmitted to a point of sale (POS) device for processing the payment transaction based on the first biometric identifier being linked with the first transaction account.

Abstract: Disclosed are various embodiments for verifying a consumer's identity during card-not-present (CNP) transactions using biometric data (e.g., fingerprint, retina scan, iris scan, handprint, voice sample, face scan, etc.) of the consumer obtained using a biometric security device. A zero-knowledge proof algorithm is used to verify the identity of a user initiating a transaction without disclosing personal information (e.g., biometric data) of the user to the issuer, merchant, recipient and/or other party, thereby preserving the privacy of the user.

Abstract: Disclosed are approaches for enforcing requirements that documentation be up to date. In response to initiation of a build process for an application, a source-code file associated with the application is evaluated to determine an identifier and a location for a corresponding documentation file. A determination can be made regarding whether the documentation file exists at the location. Another determination can be made regarding whether each function specified in the source-code file has a corresponding entry in the documentation file. The build process can be halted in response to determining that at least one function specified in the source-code file fails to have the corresponding entry in the documentation file. If the build process is halted, a message can be displayed on the computing device, the message identifying the at least one function specified in the source-code file that fails to have the corresponding entry in the documentation file.

Abstract: Disclosed are various embodiments for searching encrypted data. A search query containing a plaintext key can be received from a client device or other application. A request can then be sent to a storage engine for a ciphertext key of a node of a binary tree, the node representing an encrypted key-value pair that includes the ciphertext key. The ciphertext key can be decrypted using a cryptographic key to generate a decrypted ciphertext key. Then, the decrypted ciphertext key can be compared to the plaintext key. A determination can then be made as to whether the encrypted key-value pair represented by the node of the binary tree satisfies the search query based at least in part on a comparison of the decrypted ciphertext key to the plaintext key.

Abstract: Disclosed are various embodiments for providing consistent user content. A first content request is received from a browser. Personalized content is then generated based at least in part on the first content request. The personalized content is returned to the browser and saved in association with the unique device identifier and the session identifier. A second content request is then received from the browser, the second content request including personally identifying information (PII). The saved personalized content is searched and alternative personalized content is then generated using the personally identifying information (PII). An inconsistency between the personalized content and the alternative personalized content is then resolved to generate consistent personalized content. Finally, the consistent personalized content is provided to the browser in response to the second request.

Abstract: Systems and methods for motion-enabled transactions are disclosed. The system may allow users to complete transactions with merchants via an air sign input. The system may receive a motion-enabled transaction request comprising an air sign input. The system may determine a stored air sign symbol based on the air sign input. The system may retrieve a merchant identifier, a transaction type, and a transaction cost based on the determined stored air sign symbol. The system may transmit a transaction confirmation comprising the merchant identifier, the transaction type, and the transaction cost. In response to the user confirming the transaction confirmation, the system may authorize and process the transaction.

Abstract: The systems and methods disclosed herein comprise computer-based platforms configured for automated early-stage application security monitoring for allowing users (e.g., application developers) to make decisions at the early stage of the application development.

Abstract: Systems and methods for data processing in an optimized analytics environment are disclosed. The system may enable users to create data processing requests, interact with various data sources and datasets, and generate data processing outputs. The system may receive a data processing request from an audio-enabled input source or a UI-based input source. The system may determine whether the data processing request at least partially matches a stored data processing request. The system may receive a data processing request selection comprising the data processing request or the stored data processing request. The system may execute the data processing request selection on a data source.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices through use of a digital wallet fraud guard system are disclosed. A digital wallet fraud guard system may comprise various modules and engines, wherein the probability that a transaction is fraudulent may be evaluated for establishing better secured usage of transaction instruments. For instance, a triggered alert indication may visually indicate to an account user a fraud risk associated with a potential transaction prior to the exposure of the transaction instrument. In this manner, the transaction network more properly functions according to approved parameters by diminishing the risk of data loss and lessening the value of the transaction network as a target for fraud and thus network intrusions and disruptions.

Abstract: In various embodiments, a system, method, and computer readable medium (collectively, the “System”) for authenticating a mobile device configured to initiate payments is provided. The System may be configured to perform operations and/or steps comprising receiving, by the processor and in a secure environment, a secret element. The secret element may be transmitted to the processor (e.g., the issuer system) via a payment terminal. The System may further comprise comparing, by the processor and in the secured environment, the secret element to an issuer element. The issuer element may be linked with a flag that is associated with the transaction account. Moreover, the issuer element may be a data module that corresponds to be is not equal to the secret element. The System may also comprise authorizing, by the processor, a transaction initiated by the mobile device in response to the comparing being a satisfactory comparison.

Abstract: Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

Abstract: At least some embodiments are directed to an entity classification system receives informational data associated with an entity. The informational data includes sentences associated with the entity. The entity classification system utilizes a first machine learning model to determine a first contextual meaning among words of a sentence associated with the entity based on a first word embedding technique, and determines at least one category associated with the entity based at least in part on the first contextual meaning. The entity classification system utilizes a second machine learning model to determine a second contextual meaning shared by a set of sentences based on a second embedding technique, and determines a subcategory of the category associated with the entity based at least in part on the second contextual meaning. The entity classification system generates an output including the category and subcategory associated with the entity.

Abstract: A system may identify a purchase transaction request from a merchant application and generate an in-app payment cryptogram for the purchase transaction request based on a limited use payment credential (LUPC). The in-app payment cryptogram may be provided to the merchant application. The merchant application may transmit the in-app payment cryptogram to a merchant computing device. A request may be received from a payment network to update the LUPC. A security library may be executed to determine that the client device is secure. The execution of the security library may generate a device attestation response, and the device attestation response is transmitted to the payment network. An updated LUPC may be received from the payment network.

Abstract: A system may receive a request for access to a first variable. The request may include a requested action and a variable identifier for the first variable. The request may also have a syntax that is incompatible with first data storage format. The system may parse the request to capture the variable identifier from the request. The system may also look up a location of the first variable in a catalog using the variable identifier. The location of the first variable may include the first data storage format. The system may generate a query to access the first variable. The syntax of the query may be compatible with the first data storage format. The system may then submit the query to access the first data storage format. The query may be configured to complete the requested action.

Abstract: The system comprises approving a credit application during a single http session, transmitting an encoded secure token to a web-client participating in the http session, receiving from the mobile communications device the secure token, and transmitting the transaction account data to the mobile communications device, in response to the receiving the secure token. The system may further comprise the mobile communications device decoding the secure token.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices are disclosed. An online purchase autofill plugin includes various modules and engines. The fields of online forms may be identified and the fields of online forms may be automatically filled. The user experience may be improved, and data security enhanced so that the transaction network more properly functions according to approved parameters, such as protecting the integrity of sensitive data.

Abstract: At least some embodiments are directed to a prediction system of software objects. The prediction system predicts a first aspect of a user profile utilizing a categorization machine learning model and a user activity profile, the user profile and the user activity profile are associated with a user. The user activity profile comprises a plurality of values associated with demographics and historical activity data of the user. The prediction system predicts a software object associated with the user profile utilizing an optimization machine learning model, the first aspect of the user profile, and a second aspect of the user profile. The software object is optimized with respect to at least one competitive interest between the user associated with the user profile and an entity associated with the software object. The prediction system outputs the software object to a client computing device of the user.

Abstract: A system for instant qualification cross channel offer targeting is disclosed. The system may receive a plurality of personally identifiable information (PII) elements from at least one of a customer device or an affiliate system. The system may determine a credit authorization state in response to the PII element. The system may receive a first request to generate an offer from at least one of the customer device or the affiliate system. The system may generate the offer in response to an offer optimization model, the credit authorization state, and the first request to generate an offer. The system may hash the plurality of PII elements and determine a unique hash based on the plurality of PII elements. The system may associate the unique hash to the offer and store the offer as offer data.