Abstract: Registering a biometric template with a computing device includes receiving a first scan of a biometric feature from a biometric sensor. The first scan includes first biometric data. The computing device extracts two or more distinct elements of the biometric feature and writes a biometric template to a memory. The first characterization data for each of the two or more distinct elements is recorded in the biometric template. After recording the first characterization data in the biometric template, the computing device receives an additional scan of the biometric feature from the biometric sensor. The additional scan includes second biometric data. The computing device validates the biometric template against the second biometric data. After validating the biometric template, the biometric template is updated with second characterization data. The second characterization data is associated with two or more additional distinct elements of the biometric feature contained in the second biometric data.

Abstract: A computing system is configured to receive raw transaction data from a database. The computing system performs a multipattern substring matching operation on the raw transaction data using an expert system model. The computing system identifies one or more predefined keywords within one or more of description and memo data fields for each transaction data piece of a set of transaction data pieces. The computing system filters one or more predefined rules based on the identified one or more predefined keywords and assign a category label to each transaction data piece. The assigned category label is based on a highest priority rule determined to be true for the respective transaction data piece.

Abstract: A method for registration of an identified blockchain wallet using a payment card includes: receiving payment details for a payment card issued for a transaction account, the payment details including a card identifier and received from one of: an integrated circuit payment card and a financial application program; receiving wallet details for a blockchain wallet including a wallet identifier; transmitting the card identifier and the wallet identifier to an activation server that stores an association between the wallet identifier and the transaction account; receiving an activation message from the activation server; and transmitting an instruction to the integrated circuit payment card or the financial application program to enable use of a private key of a cryptographic key pair associated with the blockchain wallet.

Abstract: A computing system is configured to receive a plurality of predefined rules from a database. The rules include a first set of predefined rules that includes a hardcoded priority value for each respective predefined rule and a second set of predefined rules that do not have a hardcoded priority value. Furthermore, each rule is associated with a keyword. The computing system determines, for the first set of predefined rules, that each respective predefined rule includes the hardcoded priority value and orders the first set of predefined rules in order of priority based on the hardcoded priority values. The computing system performs a super rule/subrule prioritization operation on the second set of predefined rules, which includes prioritizing one or more super rules over its associated one or more subrules. The computing system then performs an accuracy-based prioritization operation on the second set of predefined rules after the super rule/subrule prioritization operation.

Abstract: A system and method for performing a transaction at a software-based POS system of a merchant includes receiving, from the software-based POS system, a payment authorization request message. A processor is programmed to extract a dynamic hashed security token from the payment authorization request message. In addition, the processor is programmed to validate the dynamic hashed security token and, upon validating the dynamic hashed security token, determine that the software-based POS system that transmitted the payment authorization request message is running a mobile POS software application. Furthermore, the processor is programed to extract the hardware identifier and the application identifier from the transaction data and compare them to account registration information stored with a merchant account.

Abstract: A method is described of monitoring a service performed at a computing node. The computing node is one of a plurality of computing nodes in a distributed computing system. Each computing node is adapted to perform at least one service for clients. A monitoring process is adapted to monitor a service process performing the process. In the method, the monitoring process monitors the service process on performance of the service. The monitoring service then provides monitoring information to a monitoring process for another service process. A suitable computing node for performing the service is described, as is a coordinated monitoring service for supporting multiple monitoring services.

Abstract: A transportation controller (TC) computing system for monitoring a user computing device location and triggering location-based events using geo-fencing is provided. The TC computing system includes at least one TC computing device configured to register a customer with a transportation controller (TC) service using registration data received from a user computing device associated with the customer. The TC computing device is also configured to receive, in response to the user computing device detecting a first geo-fence, first travel data associated with a trip of the customer. The TC computing device is further configured to validate the trip using the first travel data, receive, in response to the user computing device detecting a second geo-fence, second travel data associated with the trip of the customer, and determine a first transaction amount for the trip based on the first travel data and the second travel data.

Abstract: The present invention discloses a method of processing a data transfer request securely over a network, the method comprising the steps of obtaining, by a first entity, a first token associated with sensitive data received from a user; associating the first token with a token reference and storing the token reference; sending the token reference to a second entity; requesting a second token from a second entity upon receiving a data transfer request from a third entity, wherein the second token is derived from the first token using an ad hoc logic; and processing the data transfer request using the second token.

Abstract: The disclosure describes techniques for authenticating a voice command transaction initiated by a consumer at a voice-activated digital assistant. The system determine a proximity score for a consumer device. The proximity score is based on a distance between the consumer device and the digital assistant. The system detects motion indicating presence of a person proximate the digital assistant (based on wireless signal data) and determines a motion score. The system receives voice data from the digital assistant and determines a voice differentiation score. The system determines a rank score for the consumer device based on historical transaction data associated with the device. The system analyzes the proximity score, motion score, voice differentiation score, and rank score using a voice command authentication model. Based on the analysis, the system determines an authentication score for the voice command transaction request.

Abstract: A method for adapting text message communications in electronic financial transactions to accommodate users with color vision deficiency. During a registration process, a primary account number, a selection of an enrollment in a color vision deficiency accommodation service, a selection of a preferred critical text color, and an electronic device identifier are received from a user. During a subsequent electronic card present transaction process, the primary account number and the electronic device identifier are received from the user via a payment gateway webpage. During an adaptation process, a text of a message containing a critical text element communicated to the user regarding the transaction is adapted by presenting the critical text element in the preferred critical text color previously selected by the user. The message may be adapted within a template, or the message may be dynamically adapted by searching the message and identifying the critical text element.

Abstract: A method and a system are provided for processing payment card transactions in conjunction with a user device configured to detect intoxicated use. The user device includes a behavior detection application which can detect whether a user is intoxicated using the device's motion sensing hardware, user endpoint data, and application level data. When the user attempts a transaction while intoxicated, the user's device can detect that the user is impaired or sober. If impaired, the payment card system can deny the transaction. If sober, the payment card system can offer incentives for certain transactions. The payment card system can also allow sponsoring entities to pay for transactions that incentivize better behavior when a user is intoxicated or support transactions for sober users.

Abstract: The invention provides methods, point-of-sale (POS) terminals, and computer program products for delivering feedback through a POS terminal during a payment transaction involving a payment card. The invention comprises (i) detecting at the POS terminal an interface event comprising the payment card communicatively interfacing with the POS terminal, (ii) detecting at the POS terminal, a payment application stored within a memory of the payment card, (iii) identifying an audio file associated with the detected payment application, and (iv) initiating playback of the identified audio file through an audio playback device controlled by the POS terminal, wherein playback of the audio file is implemented between a playback commencement event detected by the POS terminal and a playback termination event detected by the POS terminal.

Abstract: A method for generating a cryptographic promissory note for posting to a blockchain includes: receiving an authorization request for a payment transaction, the authorization request being a transaction message formatted based on one or more standards that includes a plurality of data elements including a first data element configured to store a blockchain address and a second data element configured to store a transaction amount; generating a promissory note including the transaction amount; digitally signing the generated promissory note with a private key; encrypting the signed promissory note with a symmetric key; wrapping the symmetric key with a public key corresponding to the private key and a public key associated with an acquirer involved in the payment transaction; and electronically transmitting a blockchain transaction to a blockchain network that includes the encrypted promissory note, each symmetric key, and the blockchain address.

Abstract: A method for linking blockchain transactions to privately verified identities includes: storing account profiles, each profile including data related to a transaction account including an account identifier and account data; receiving a transaction message, the message including a first data element configured to store a personal account number, a second data element configured to store a merchant identifier, and a third data element configured to store a blockchain network identifier; identifying a first account profile that includes the personal account number; identifying a second account profile that includes the merchant identifier; receiving a transaction notification, the notification indicating a transaction processed using a blockchain network associated with the blockchain network identifier and including a transaction identifier and an address identifier associated with the first or second account profile; and storing a linkage between the transaction identifier and the address identifier, the pers

Abstract: Systems and methods for dynamically determining an optimal baseline algorithm for calculating lift values are disclosed. The system receives data associated with a control strategy, and then randomly selects a control location, a time period, and an item that may not be associated with the control strategy but meets the one or more criteria of the control strategy such as relevance and sales volume. Using the randomly selected inputs and a plurality of null baselines values determined by a plurality of null baseline algorithms, the system iteratively calculates a plurality of null lift values for each of the applied plurality of null baselines values to determine a likelihood for a false positive lift for each of the applied plurality of null baselines values. An optimal baseline algorithm is selected from the plurality of null baselines algorithms based on their corresponding likelihood of false positive lifts.

Abstract: Systems and methods for identifying information providers based on user queries are provided. The method includes receiving a user query including a request for information regarding intended travel from a query capture application, processing the user query to identify query travel characteristics associated with the request for information, receiving a plurality of transaction data, and identifying a plurality of past travel transactions from the transaction data based on a set of travel indicators associated with each past travel transaction. The method further includes applying a matching algorithm to the past travel transactions and the user query to identify a list of traveler cardholders capable of responding to the user query, identifying a first traveler cardholder user device, causing the request for information to be displayed on the first traveler cardholder user device, and causing a travel response to the request for information to be displayed on a querying user device.

Abstract: A payment interchange for use in a global shopping cart and a method for its use are provided. Also, provide is management of data relationships between a global online shopping cart and various manager components that encompass data management access. The global shopping cart includes a storage medium having thereon computer instructions for implementing one or more functions of the global shopping cart, and a processor for executing the computer instructions to provide functions including a payment function for paying for an item to be purchased. The global shopping cart has a flexible application programming interface (API) framework sufficient to support the payment interchange including the payment function for paying for an item to be purchased by one or more users of the global shopping cart and by one or more payment modes or sources.

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: A method for distributing event data for smart contracts executed on a blockchain to subscribing systems includes: collecting, by a processor of a blockchain node in a blockchain network, a set of event data emitted by a smart contract executed on a blockchain associated with the blockchain network; identifying, by the processor of the blockchain node, communication data for one or more subscriber computing systems; and after a predetermined period of time, transmitting, by a transmitter of the blockchain node, the collected event data to each of the one or more subscriber computing systems using the communication data.

Abstract: Systems and methods are provided for use in identifying synthetic identities. One example method includes receiving a request from a relying party for an identity asserted by a user to the relying party, where the request includes identity data indicative of the identity, feature data associated with the user asserting the identity, and a device ID for a communication device of the user. The method also includes calculating a fraud profile score, based on the identity data and a data structure of known fraud profiles, and aggregating the fraud profile score and at least one of a device behavior score, a user profile score, and/or an exposure behavior score into a metric indicative of a likelihood that the identity asserted by the user is a synthetic identity. The method then includes transmitting the metric to the relying party.