Abstract: In one embodiment, a method includes receiving, from a receiver processor, a transaction authorization request to authorize a transaction associated with a transfer of resources to a receiving entity from a user, the request including publicly routable account credentials of a virtual bank account (VBAN) generated by the receiver processor, the VBAN being associated with the receiving entity, the user, and a stored value balance of an external resource account generated by a receiver financial entity associated with the user, retrieving, from a VBAN database, a transaction resource configuration of the VBAN decoupled from the external resource account, determining whether parameters of the transaction resource configuration are satisfied based on metadata associated with the request, and transmitting, to the external server, a transaction authorization response indicating whether the transaction is authorized to cause the stored value balance to be reduced based on the transfer of resources.

Abstract: In one embodiment, a method includes receiving customized schema parameters associated with a request for a customized transaction schema associated with a payment processor from an external server associated with the payment processor by servers of a receiver processor platform, retrieving a pre-configured transaction schema comprising pre-configured schema parameters, generating the customized transaction schema associated with the payment processor by integrating the customized schema parameters into the pre-configured transaction schema, wherein the servers of the receiver processor platform are configured to generate transaction resource configurations based on the customized transaction schema, each transaction resource configuration being configured for processing transaction authorization requests to authorize respective transactions associated with a transfer of resources to a receiving entity from a user associated with the payment processor, and storing the customized transaction schema associated

Abstract: In one embodiment, a method includes receiving a first network event corresponding to a first transaction, the first network event being assigned a unique transaction group identifier, authorizing the first transaction based on a balance value of a ledger account recorded in an account ledger, recording a first update in the account ledger, comprising recording the unique transaction group identifier in association with the first update and the ledger account and modifying the balance value of the ledger account, receiving a second network event corresponding to a second transaction, determining that a unique transaction group identifier assigned to the second network event matches the unique transaction group identifier associated with the first update and the ledger account, and recording a second update in the account ledger, comprising recording the unique transaction group identifier in association with the second update without modifying the balance value of the ledger account.

Abstract: In one embodiment, a method includes receiving a transaction authorization request associated with a transfer of resources to a receiving entity from a user, retrieving a transaction resource configuration of a virtual bank account (VBAN) associated with the receiving entity and the user, the transaction resource configuration being decoupled from an external resource account associated with the user and the VBAN, determining parameters of the transaction resource configuration are not satisfied, transmitting instructions for presenting a notification indicating a transaction authorization failure to a client device associated with the user, wherein the notification comprises an interactive prompt operable for receiving an input indicating whether the transaction authorization request should be authorized, and transmitting a transaction authorization response indicating whether the transaction is authorized, wherein the transaction being authorized causes a stored value balance of the external resource accoun

Abstract: In one embodiment, a method includes receiving, at a first server, from a privacy component on a user device, a privacy communication request including device data for the user device and server data for a second server communicating with the user device, generating a privacy communication response to be transmitted by the second server to a third server, the privacy communication response including a privacy communication string tagged to the second server and a privacy communication string record identifying the second server, transmitting, to the privacy component, the privacy communication string, receiving, from the third server, an approval request for a secure exchange associated with the privacy communication string, the approval request identifying a requesting server associated with the secure exchange, analyzing the approval request to determine whether there is a match between the requesting server and the second server, and transmitting, to the third server, a validation response.

Abstract: In one embodiment, a method includes receiving, from a user device, a first request for a privacy transaction card comprising a plurality of transaction metadata strings associated with a pending transaction between the user device and a first merchant server, analyzing, using a machine learning model, the transaction metadata strings in the first request to determine a risk assessment score for the first request, the machine learning model being trained to determine risk assessment scores based on multiple second requests stored in a privacy transaction database, determining whether the risk assessment score for the first request exceeds a specified risk threshold associated with the pending transaction, generating, upon determining the risk assessment score is below the specified risk threshold, a privacy transaction card comprising a unique privacy payment card number associated with the user device and the first merchant server, and transmitting, to the user device, the privacy transaction card.

Abstract: In one embodiment, a method includes receiving, at a privacy transaction platform server, from a transaction network server, a transaction approval request associated with a user device and a requesting server including proffered transaction strings and proffered server properties associated with the requesting server, retrieving a privacy transaction record associated with the user device including tagged transaction strings and server properties associated with a provider server, determining that there is a transaction string match between the proffered transaction strings and the corresponding tagged transaction strings, determining that there is a server match between the requesting server and the provider server based on a validity metric for the transaction approval request exceeding a specified confidence threshold based on an analysis of the proffered server properties and the provider server properties, and transmitting, to the transaction network server, a validation response approving the requested

Abstract: In one embodiment, a method includes receiving, at a privacy transaction server, from a user device, a privacy transaction card creation request including merchant metadata for a first merchant server, generating a privacy transaction card associated with an issuer server, storing, in a privacy transaction database, a privacy transaction card record for the privacy transaction card, including tagged card data identifying the first merchant server, transmitting, to the privacy component, the privacy transaction card, receiving, from the issuer server, a transaction approval request associated with the privacy payment card, the transaction approval request including transaction metadata identifying a second merchant server, retrieving the privacy transaction card record, analyzing the transaction metadata and the tagged card data to determine whether there is a match between the first merchant server and the second merchant server, and transmitting a transaction approval response indicating whether the transact

Abstract: This disclosure relates to methods and systems for automatically securing and validating multi-server electronic communications over a plurality of networks, without requiring additional physical or programmatic infrastructure on the intermediary servers. A processor-executable component can be transmitted from a first server to a compute device, where it generates a pair of asymmetric cryptographic parameters. The first server uses one of those parameters to verify subsequent communications from the component and respond with tagged privacy communication strings, which the component can provide to a second server as part of a secure communication exchange. The first server can then receive secure communication exchange approval request from a third server and analyze the request to determine a validity metric.