Abstract: Embodiments provide methods and systems for preventing a fraudulent payment transaction. The method performed by issuer system associated with payment account of user includes generating unique data for payment transaction of the user upon approval of payment transaction authorization request signal. The method includes facilitating encryption of the unique data based on encryption key and sending payment transaction authorization response signal to payment server associated with payment network. The payment transaction authorization response signal includes at least the encrypted unique data. The method includes processing the payment transaction upon receiving a notification of a successful validation of the payment transaction authorization response signal from payment server. The validation of the payment transaction authorization response signal is performed by payment server.

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 payment accessory device is operatively coupled to a smart speaker. The smart speaker provides a voice-implemented personal assistant software service. A method of operating the payment accessory device includes communicating with a remote server computer via a mobile device. The purpose of the communication is for the mobile device to receive a payment token. The payment token is provisioned from the mobile device to the payment accessory device while positioning the mobile device in proximity to the payment accessory device. The provisioning of the payment token includes transfer of data from the mobile device to the payment accessory device.

Abstract: The present disclosure provides a description of exemplary systems and methods for enabling faster proof-of-work in a distributed ledger. The methods and systems may include a processor which may generate a first hash having a first difficulty level as a first proof of work associated with a first plurality of selected transactions. The first hash not being accepted by a distributed ledger network. The processor may receive a second plurality of selected transactions and determine a second difficulty level for a second proof of work associated with the second plurality of selected transactions. The processor may compare the first difficulty level to the second difficulty level. In response to determining that the first difficulty level is less than the second difficulty level, the processor may generate a second hash as a second proof-of-work for the second plurality of selected transactions having a residual difficulty level.

Abstract: Provided are systems and methods enabling enrollment in promotions via a tokenization platform. In one example, the method may include establishing a network communication channel between a tokenization platform and a digital wallet of a user device, transmitting a promotion from the tokenization platform to the digital wallet on the user device via the established network communication channel, receiving authorization to accept the promotion at the tokenization platform from the digital wallet on the user device, and identifying tokenized payment account information of the digital wallet stored at the tokenization platform and automatically transmitting information about the tokenized payment account information of the digital wallet information from the tokenization platform to a promotion enrollment system associated with the promotion.

Abstract: A method for processing offline cryptocurrency transfers includes: receiving, by a receiver of a computing device, a first transfer message, wherein the first transfer message is cryptographically signed using a first private key of a first key pair; validating, by a processor of the computing device, the cryptographic signature of the first transfer message using a first public key of the first key pair; storing, in a memory of the computing device, the validated first transfer message; receiving, by an input device of the computing device, a transfer instruction, the transfer instruction including at least a communication address; and electronically transmitting, by a transmitter of the computing device, the validated first transfer message to an external device based on at least the communication address.

Abstract: Systems and methods are provided for coupling data structures in different domains to provide cross-domain data access. One example computer-implemented method includes receiving, from a requestor, an access request including a case type and an indicator of a domain and determining a restriction associated with the domain. The method also includes compiling a first message key specific to the access request and transmitting the first message key to the requestor. The method further includes receiving an information request including a second message key and a query specific to a person, verifying the second message key based on the first message key, and coupling to a data structure in the domain. The method then includes, in response to verifying the second message key, submitting the query from the information request to the coupled data structure and providing a response to the query, from the data structure, to the requestor.

Abstract: A method for dispute resolution for a blockchain transaction includes: receiving, by a receiver of a processing server, a blockchain transaction identifier and a dispute reason code from a first computing device of a blockchain network, the blockchain transaction identifier and the dispute reason code comprising a dispute request, the blockchain transaction identifier identifying a transaction on a blockchain; transmitting, by the receiver of a processing server, the blockchain transaction identifier and the dispute reason code to a processing device of the processing server; identifying, by the processing device of the processing server, the transaction, a merchant blockchain address, and a currency amount within a blockchain data value of the blockchain based on the blockchain transaction identifier; determining, by the processing device of the processing server, the transaction is invalid; and performing, by the processing device of the processing server, a dispute resolution process for the blockchain tra

Abstract: A computer-based method for providing a loyalty identifier to a merchant using a payment network is described. The method includes storing data including at least one loyalty identifier associated with a cardholder enrolled in a loyalty program and a corresponding payment card identifier, receiving a first authorization request message for a payment transaction initiated by a first cardholder using a first payment card at an originating merchant, the first authorization request message including a first merchant identifier and a first payment card identifier, determining a first loyalty program associated with the originating merchant based in part on the first merchant identifier and the data stored in the memory, determining a first loyalty identifier associated with the first cardholder for the first loyalty program based in part on the first payment card identifier and the data stored in the memory, and providing the first loyalty identifier to the originating merchant.

Abstract: There is provided a transaction device comprising a chip enclosure comprising a readable reference code; a chip embedded in the chip enclosure, the chip having the reference code stored therein; wherein the chip is configured to generate a cryptographically signed version of the reference code stored in the chip upon receipt of a request message, such that the reference code can be retrieved from the cryptographically signed version of the reference code for comparison with the readable reference code. There is also provided a method of a manufacturing a transaction device, wherein the method comprises storing a reference code in a chip; positioning the chip on a chip enclosure; embedding the chip in the chip enclosure; and applying the reference code to the chip enclosure in a readable format.

Abstract: A method for distributing data to a computing device using device level authentication includes: receiving a single use key from a payment institution, the single use key encrypted by the payment institution using a first encryption, a server public key, and device data; wrapping a device public key using the server public key; electronically transmitting at least the device data, the wrapped device public key, and the single use key to a server; receiving the single use key encrypted using a second encryption from the server, the second encryption using the device public key to encrypt the single use key; decrypting the single use key encrypted with the second encryption using a device private key; and electronically transmitting the decrypted single use key and payment credentials to a point of sale device.

Abstract: A payment card benefit assessment system and method includes a computing device accepting payment card benefit catalog information from a payment card issuer and payment card transaction data from a payment card processing network. The payment card transaction data is analyzed to group cardholders into one demographic clusters and to determine an estimated benefit value for each of the demographic clusters. Individualized payment card benefit options are presented to an individual cardholder based on the individual cardholder's payment card transactions and the determined estimated benefit value for a corresponding one of the plurality of demographic clusters.

Abstract: Methods and server systems for computing fraud risk scores for various merchants associated with an acquirer described herein. The method performed by a server system includes accessing merchant-related transaction data including merchant-related transaction indicators associated with a merchant from a transaction database. Method includes generating a merchant-related transaction features based on the merchant-related indicators. Method includes generating via risk prediction models, for a payment transaction with the merchant, merchant health and compliance risk scores, merchant terminal risk scores, merchant chargeback risk scores, and merchant activity risk scores based on the merchant-related transaction features. Method includes facilitating transmission of a notification message to an acquirer server associated with the merchant.

Abstract: Embodiments provide a method and a system for conducting merchant-industry mapping based on ambient noise. The method includes receiving a payment transaction request and an audio signal comprising ambient noise in surrounding of a merchant terminal of a merchant. The ambient noise is recorded by the merchant terminal and includes a plurality of sounds. The method includes determining whether the merchant is an aggregated merchant or a non-aggregated merchant. The method includes processing the ambient noise to determine a type of the merchant upon determining that the merchant is the non-aggregated merchant. The method includes mapping the merchant to an industry from a plurality of industries available in the server system based on the type of the merchant. The method further includes storing the mapping of the industry and the merchant in a database associated with the server system.

Abstract: A system for communicating between blockchains on heterogeneous blockchain networks. The system can include a sending blockchain configured to transmit a first message via a sending blockchain protocol, wherein the sending blockchain forms a part of a sending blockchain network. The system can include a sending adapter node configured to receive the first message from the sending blockchain and translate the first message from the sending blockchain protocol to an adapter protocol. The system can include a receiving adapter node configured to receive the first message from the sending adapter node and translate the first message from the adapter protocol to a receiving blockchain protocol. The system can include a receiving blockchain configured to receive the first message from the receiving adapter node, and validate the first message, wherein the receiving blockchain forms a part of a receiving blockchain network.

Abstract: A method for processing cryptographic currency transactions through user-based blockchain ledgers includes: receiving, by blockchain node in a blockchain network, a new cryptographic currency transaction from a first computing device including unspent transaction outputs, a sender public key, receiver public key, destination address, and cryptographic currency amount; identifying, by the blockchain node, a sending blockchain associated with the sender public key including the unspent transaction outputs; validating, by the blockchain node, the sending blockchain by generating a hash value using the sending blockchain and comparing the generated hash value to a historic sender hash value associated with the sender public key; generating, by the blockchain node, a new sender hash value by hashing a combination of the sending blockchain and the new cryptographic currency transaction; and transmitting, by the blockchain node, the generated new sender hash value to a plurality of additional nodes in the blockchain

Abstract: Various implementation described herein are directed to a method for providing access control. User information is received at a device. A request to provide access control is generated by the device based on the received user information. The request is transmitted via a network to an access manager. A response to the request is received from the access manager. Access control via the device is provided based on the response to the request.

Abstract: Systems and methods are provided for provisioning identity credentials based on interactions with verified or trusted users. One exemplary computer-implemented method includes receiving a request for a digital identity from a user, where the request includes identifying information for the user and a verified user identifier, and transmitting, to a verified user associated with the verified user identifier, an attestation request for the user. The method also includes receiving, from the verified user, an attestation in response to the attestation request with regard to at least some of the identifying information for the user, generating a digital identity for the user based on a number of attestations of the identifying information for the user, and sharing a digital identity notice with the user including an identifier for the user, whereby the user is permitted to share the digital identity with a relying party via the identifier.

Abstract: The present invention relates to an apparatus, a method, and a system for determining location. The apparatus comprises an apparatus comprising a camera, and a processor. The camera is configured to capture an image of a microscopic object located at a predetermined location. The microscopic object comprises coded information. The processor is configured to process the image to decode the coded information and to determine a location of the device as being the predetermined location based on the decoded information. The apparatus may further comprise a manually operated inventory carrier (such as a shopping trolley or cart) or a robotic inventory carrier. The predetermined location may be in a supermarket or an inventory facility. The microscopic object may comprise a QR code or other barcode, and may be one of an array or repeating patterns of microscopic objects.

Abstract: A method for confirming configuration of a new current genesis block in a blockchain configured to enable pruning before the new current genesis block includes: receiving, by a blockchain node in a blockchain network, a genesis response message from another node in the network, the message including a configuration value and an ordinal value; identifying a plurality of standard blocks in the blockchain added subsequent to an earlier genesis block that includes a number preceding the ordinal value; aggregating smart contract state changes from each of the identified plurality of standard blocks; and validating the configuration value included in the received genesis response message based on the aggregated smart contract state changes. The aggregating of smart contract states can be done by the processor of the blockchain node configuring the new current genesis block, or by another blockchain node.