Abstract: At least some embodiments are directed to a system that receives from an online portal loaded in a computing device, a user request to instantiate a server cluster in a hybrid computer network. The system authenticates and redirects the user request via a proxy service to a selected computer network configured in the hybrid computer network. The system instantiates the server cluster in the selected computer network causing the server cluster to initiate a microservice agent during bootup. The system sends a command to the server cluster to initiate the execution of a process and receives from the microservice agent event data associated with the process. The system inputs the event data into a trained machine learning model to determine a first execution state of the process and sends a command to change the first execution state of the process to a second execution state.

Abstract: A system for automated classifying of electronic messages is disclosed. The system may receive an electronic message comprising a text including a message body and a metadata. The system may determine a case status based on the metadata and extract a set of events form the message body in response to the case status. The system may determine a case type based on the set of events and a set of case types. The system may generate a new case event in a case management system based on the case type.

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: A distributed file system may store a plurality of entity attributes. A node linking system may classify links between the nodes. The node linking system may calculate a network effect of an action with a link. The node linking system may modify parameters of the action based on the network effect.

Abstract: The disclosure includes a transaction card comprising a card body having a slot. A first portion of the slot is formed at a first angle, and a third portion of the slot is formed at a third angle. A card body may be fabricated by positioning the card body at a first angle with respect to a cutter, creating a first portion of a slot at the first angle by at least one of translating the card body across the cutter or translating the cutter across the card body, stopping the translating of the card body, rotating the card body to a third angle to create a second portion of the slot; and creating a third portion of the slot at the third angle by at least one of translating the card body across the cutter or translating the cutter across the card body.

Abstract: A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount. The token may identify a transaction account for use in the payment transaction. The system may assess the risk of fraud associated with the transaction account and the payment transaction. The system may return the payment payload in response to a favorable risk assessment. The payment payload may be passed to a merchant and from the merchant to a payment network for evaluation. The payment transaction may be approved or declined based on the contents of received payment payload matching the contents of a generated payment payload.

Abstract: Systems, methods, and articles of manufacture for secured account provisioning and payments using near-field communication (NFC) enabled devices are provided. The system may receive an encrypted account provisioning request comprising a provisioning account and a device fingerprint; decrypt the encrypted account provisioning request with a server root key; retrieve a limited use payment credential (LUPC) based on the provisioning account; generate an ENC key, a MAC key, and a DEK key based on the device fingerprint and the server root key; and encrypt the LUPC using the ENC key, the MAC key, and the DEK key to generate an encrypted account payload.

Abstract: A system and method may allow for improved accuracy for address matching. The system may receive an address input and preprocess the address input. The address input may be standardized to create a standardized address input. The standardized address input may be compared to a stored address. The system may calculate a first address matching score based on the comparison. The system may reinvestigate the standardization of the address input and calculate a second address matching score based on a second comparison. The system may compare the first address matching score to the second address matching score to improve accuracy in address matching.

Abstract: A distributed file system may store a plurality of entity attributes. A node consolidating system may identify similarities between entity attributes for different entities. The node consolidating system may generate an entity graph which displays relationships and similarities between entities in a graphical user interface.

Abstract: The systems are generally configured to provide rewards. The systems are capable of syncing transaction accounts with one or more reward programs and one or more channels. Moreover, the systems are capable dynamically provisioning rewards in one or more subsets to a rewards program to distribute high, medium and low value rewards to a reward program throughout the duration of the program.

Abstract: A system may read source data corresponding to a source variable and apply a transformation to the source variable to generate an output variable. The transformation may include logic, and the output variable may be configured for ingestion into a big data storage format. The system may record lineage data of the output variable that comprises the transformation and/or the source variable. The system may also receive a request to generate a requested output variable. The requested output variable may be generated from a second transformation that is the same as the first transformation. The system may thus match the first transformation to the second transformation using the lineage data. In response to matching the first transformation to the second transformation, the system may deny the request. The original output variable may be returned in response to the matching the first transformation to the second transformation.

Abstract: Disclosed are various embodiments for decentralizing the authentication or verification of data. An identity key can be generated for a data item. A request can then be sent to an authentication service for authentication of the data item, the request comprising the identity key and the data item. A verified claim for the data item can then be received in response. Subsequently, an identity document is generated, the identity document comprising the identity key for the data item and the verified claim. Finally, the identity document can be stored in a distributed ledger.

Abstract: A system may deliver contextual services with dynamic intelligent behavior. The system may receive a first request from a device of a user. The system may retrieve a response to the request. The system may anticipate that the user is going to make a second request. The system may retrieve a response to the second request. The system may store the response to the second request in a temporary memory, such that the response may be quickly transmitted to the device if the user submits the second request. In some cases, the system may transmit the response to the second request without the user submitting the second request.

Abstract: An authentication system may receive an authentication MAC, an integrity MAC, and data transmitted from a payment application and a payment terminal. A local integrity MAC may be generated using the data as an input to a first cryptographic operation. The system may compare the local integrity MAC to the received integrity MAC to authenticate the received integrity MAC. A local authentication MAC may be generated using a second cryptographic operation and compare the local authentication MAC to the received authentication MAC. The system may authenticate the payment application in response to a successful authentication of at least one of the received authentication MAC or the received integrity MAC.

Abstract: A zero-knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm having a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.

Abstract: Disclosed are various embodiments for authenticating users of applications using decentralized data models for storing a user's identity. A fingerprint for a computing device is received from an application executing on the computing device. An identity key associated with the fingerprint for the computing device is then obtained, the identity key being linked to a signed claim. The signed claim is retrieved and evaluated. The application executing on the computing device access is then granted access to the computing resource in response to evaluating the signed claim.

Abstract: An identity and security system may register a user associated with a mobile device and a user identity that comprises characteristics of the user. The system may assign a reputation score and a spend propensity score to the user identity. The system may base the reputation score on a plurality of reputation assessments, and the spend propensity score on a history of transactions and non-transactions by the user. The system may also detect the mobile device at a merchant location, and it may transmit at least one of the reputation score and the spend propensity score to a POS device at the merchant location in response to detecting the mobile device at the merchant location.

Abstract: A mainframe network may store a plurality of records. The mainframe network may generate a file comprising the data elements in the records. The mainframe network may transmit the file to a distributed network. The distributed network may encrypt the data elements. The distributed network may transmit a file comprising the encrypted data elements to the mainframe network. The mainframe network may store the encrypted data elements.

Abstract: A system and method for interconnecting multiple point of sale devices creating a mesh-like network structure which reduces connectivity costs while providing greater reliability due to multiple network paths is disclosed. By linking point of sale devices within a virtual network, the need for individual connections to a point of sale controller is eliminated and alternative network paths are provided, thereby ensuring maximum up-time and optimal connection speeds.

Abstract: Systems and methods for voice-enabled transactions are disclosed. A merchant system may generate a transaction request comprising a transaction amount and a merchant identifier. The merchant system may invoke an audio signal generator to generate an audio transaction signal comprising the transaction request data. A voice assistant may play the audio transaction signal. The user initiating the transaction may use a mobile device to detect and ingest the audio transaction signal. In response to detecting and ingesting the audio transaction signal, the mobile device may interact with a payment network to authorize, process, and complete the transaction request. The payment network may transmit a transaction approval to the merchant system.