Abstract: A method for risk scoring a blockchain transaction includes: storing blockchain data associated with a blockchain, the data including a plurality of blocks, each block including a block header and transaction values, each transaction value including a sending address, recipient address, and transaction amount; receiving a new transaction value related to a proposed blockchain transaction and a node identifier associated with a node included in a blockchain network associated with the blockchain, the new transaction value including a user address, transacting address, and blockchain amount; identifying transaction values in the blockchain where the sending address or recipient address is associated with a transacting cryptographic key pair also associated with the transacting address; determining a risk score for the proposed blockchain transaction based on at least the data included in each of the identified transaction values and the new transaction value; and transmitting the determined risk score.

Abstract: A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. The plurality of indicators of interactions tallying financial transactions conducted by the plurality of account holders at both of the merchants in a pair of the plurality of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a recommender algorithm. The recommender algorithm inferring user preferences from attributes of the plurality of merchants that were visited by the cardholder.

Abstract: Disclosed are methods and systems for provisioning payment card credentials to an Internet of Things (IoT) device that is associated with a companion application. In an embodiment, a mobile device processor displays a companion application user interface (UI) on a display screen, receives a user selection of an option to obtain payment card credentials from the companion application UI, displays a prompt for the user to provide user authentication data to the companion application, receives the user authentication data from a biometric sensor, and authenticates the user.

Abstract: A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.

Abstract: The present disclosure generally relates to systems and methods for processing recurring payment transactions. In various embodiments, the system receives details of the set of recurring payment transactions and stores the details in a recurring transaction details table. The system generates a virtual payment instrument and associates it with the consumer's payment instrument. The system transmits the virtual payment instrument to the consumer. The system then generates a set of payment tokens for the set of recurring transactions and links the tokens to the virtual payment instrument. Each token is associated with a discrete recurring period. The system encodes each token with a sequence of values and stores the tokens in the recurring payment token table. The system receives a recurring transaction request that includes the virtual payment instrument. The system validates the request against a token associated with the recurring period, processes the transaction, and deletes the token.

Abstract: A computer-implemented method for testing a model indicating a parametric relationship between a plurality of channels of multivariate data, the method comprising: obtaining a real dataset of observed multivariate data comprising the plurality of channels; generating a control dataset of multivariate data comprising the plurality of channels, the control dataset being generated based on the model; for each of a plurality of sample subsets from the real dataset and the control dataset, calculating a p-value for the model; and determining whether (1) a distribution difference characteristic of a distribution of the obtained p-values for sample subsets of the real dataset and a distribution of the obtained p-values for sample subsets of the control dataset falls within a second predetermined significance range, and, if condition (1) is met, determining that the model is accurate.

Abstract: A method of providing a secure service at a computing node is described. The secure service is for a requesting party external to the computing node. The following steps take place at the computing node. A service request is received from the requesting party. This service request comprises a request to generate a credential. The credential is then generated, and service-related information is obtained. The credential and the service-related information are encrypted using an encryption process to form an encrypted message part. A service-identifying clear message part is also created, and a message is sent comprising the clear message part and the encrypted message part to the requesting party. Methods of using such a message to validate the credential, and of using such a message to confirm the integrity of service-related information held in the message, are also described, as is computing apparatus adapted to carry out one or more of these methods.

Abstract: A computer system includes a processor programmed to process a first web page to identify a hyperlink contained thereon. The hyperlink includes a link to a second web page. The processor performs natural language processing on the first web page to determine one or more context word tokens and on the second web page to determine a context of the second web page. The processor also applies a context relevant tag to the hyperlink to generate a tagged hyperlink. The processor maps at least one of the context word tokens to the context relevant tag applied to the hyperlink and generates a transaction score for the tagged hyperlink.

Abstract: Systems and methods for use in facilitating application interface (API) interactions are disclosed. One exemplary method includes receiving, by a computing device, a primary API request from a client. The primary API request includes a plurality of parameters in association with a plurality of values. The computing device identifies relationships between the parameters and a plurality of interfaces, and generates a plurality of secondary requests based on the primary API request and the identified relationships. The computing device further transmits each of the plurality of secondary requests to the plurality of interfaces and receives a plurality of secondary responses from the plurality of interfaces. The computing device then generates a primary response based on the secondary responses and transmits the primary response to the client.

Abstract: Disclosed herein are systems and methods for an analytics server to efficiently generate a control group dataset, including receiving, by the analytics server, a request to generate a control group dataset based on a test dataset and potential control dataset; generating, by the analytics server, an instruction to receive a first dataset based on the request; identifying, by the analytics server, data points within the first dataset corresponding to a number of users and user attributes; generating, by the analytics server, a second dataset by normalizing the user attributes; generating, by the analytics server, a third dataset comprising a space-filling curve, where each space-filling curve data point corresponds to the normalized user attributes and the number of users; determining, by the analytics server, control users by matching the space-filling curve data points with the user attribute; and generating, by the analytics server, an instruction for display on a client device.

Abstract: A secondary authentication system and computer-implemented method for obtaining real-time cardholder authentication of a payment transaction associated with a cardholder's payment card includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive a payment authorization request message including a primary account number corresponding to a payment account of the cardholder for funding the payment transaction. In addition, the processor is programmed to determine whether the payment account requires secondary authentication by the cardholder for the payment transaction, and if, based on the determination, the payment account requires secondary authentication of the payment transaction, place the payment transaction on hold.

Abstract: A method and a system for facilitating secure card-based transactions are provided. A payment network server stores a mapping database that is indicative of a mapping between actual card data of a transaction card and a plurality of proxy datasets that are stored in the transaction card. The payment network server receives a transaction request for a transaction that is initiated by way of the transaction card. Instead of the actual card data, the transaction request includes a first proxy dataset as an identifier to the transaction card. The payment network server accesses the mapping database and retrieves the actual card data mapped to the first proxy dataset. The payment network server then communicates the transaction request having the actual card data to an issuer of the transaction card. The issuer processes the transaction based on the actual card data.

Abstract: Systems and methods are provided for managing personal identifying information (PII). An exemplary method includes receiving, from a requestor, a request to remove PII for at least one individual from multiple service providers. In response, a computing device authenticates the requestor, determines whether a restriction on the PII or the individual applies to the request, and broadcasts the request to the service providers. The computing device receives a response to the request from each of the service providers indicating removal of the PII and compiles a reply to the request, based on each response, where the reply includes a confirmation of removal of the PII. The computing device then transmits the reply to the requestor and logs the request from the requestor and the response from each of the services providers in an audit data structure, thereby permitting compliance with PII controls to be demonstrated.

Abstract: Systems, apparatuses and methods may provide for technology to store hardware details associated with a plurality of hardware components of a computing device. The technology further extracts a first hardware identifier from first authentication data received from the computing device, where the first hardware identifier is associated with a first hardware component of the computing device, and determines whether to validate the first hardware component based on a comparison of the first hardware identifier to a first hardware detail of the hardware details.

Abstract: Systems and methods are provided for correlating messages between disparate interfaces, channels, and/or networks. One example computer-implemented method includes receiving, at a service computing device, a request from a user relating to at least one service associated therewith and compiling a message consistent with a first message standard based on the request. The method also includes requesting a global unique identifier (GUID) for the request from a generator, where the generator compiles the GUID and returns the GUID to the service computing device, and serializing the GUID and the compiled message to form a serialized message in which the compiled message defines a first parameter and the GUID defines a second parameter. The method then includes transmitting the serialized message to a message gateway, whereby the GUID is provided with the compiled message, while maintaining the compiled message consistent with the first message standard.

Abstract: A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.

Abstract: Provided herein is a computing system for detecting compromised merchants in a payment card network.

Abstract: Ordering and purchasing processes are integrated into a messaging session between a user device and a merchant server. Within the messaging session, a dialogue is established between the user device and the merchant server. The merchant server obtains user information in order to communicate with a service provider to establish a transaction with an account associated with the user device. The merchant server obtains order information from the user device by interpretation of the dialogue, and creates an order. The user requests payment, and receives a payment link from the merchant server in order to make a transaction. The user provides payment information including identification of the account associated with the user device for the transaction to the merchant server. Once these actions have taken place, the merchant server uses the order information and the payment information to enable the transaction to be performed using the account.

Abstract: Embodiments provide methods, and server systems for enhancing online payment transaction experience. A method includes receiving, by a server system associated with a payment network, a tokenization request based on selecting a payment card of a plurality of payment cards of a user from a payment application running on a user device for processing an online payment transaction using the selected payment card at a merchant payment interface on the user device. The tokenization request includes a card information of the selected payment card. The method includes facilitating generation of a digital token. The digital token includes a tokenized card information of the selected payment card. The method includes provisioning the digital token in a floating widget at the merchant payment interface on the user device. The floating widget enables the user to enter the digital token at the merchant payment interface for processing the online payment transaction.

Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing, along with a token, a token assurance level and data used to generate the token assurance level. At the time a token is issued, one or more Identification and Verification (ID&V) methods may be performed to ensure that the token is replacing a PAN that was legitimately used by a token requestor. A token assurance level may be assigned to a given token in light of the type of ID&V that is performed and the entity performing the ID&V. Different ID&Vs may result in different token assurance levels. An issuer may wish to know the level of assurance and the data used in generating the level of assurance associated with a token prior to authorizing a payment transaction that uses the token.