Abstract: Embodiments provide methods and systems for merchant data cleansing in payment network. Method performed by server system includes accessing electronic payment transaction records from transaction database. Each electronic payment transaction record includes merchant data fields. Method includes determining set of electronic payment transaction records with ambiguous merchant data fields having matching probability scores less than predetermined threshold value computed by probabilistic matching model and identifying at least one issue for non-matching of each of set of electronic payment transaction records. Method includes determining data model based on at least one issue of each of set of electronic payment transaction records. Data model is one of: phone-to-city model, payment aggregator model, and merchant name normalization model.

Abstract: A driver scoring (DS) computing device for scoring driving activity for a driver in real-time is provided. The DS computing device includes at least one processor in communication with at least one memory, the at least one processor configured to: (i) receive sensor data about a driver in a vehicle; (ii) determine, from the sensor data, a driver activity including at least a duration for the activity; (iii) calculate a score for the determined activity, wherein the score depends on at least one of a type of activity and the duration of the activity; (iv) retrieve a driver profile associated with the driver from the at least one memory, the driver profile including at least one of user input preferences and a history of payment transactions; and (v) generate at least one merchant incentive based on the score and the driver profile.

Abstract: A method for facilitating benefit disbursements through the use of tokens and blockchain includes: receiving beneficiary information from a first computing system, the beneficiary information including a beneficiary identifier; storing a blockchain data entry, the blockchain data entry including a disbursement token associated with the beneficiary information and a recipient value generated using a public key of a cryptographic key pair; receiving a redemption message from a second computing system, the redemption message including the disbursement token, a digital signature generated using a private key of the cryptographic key pair, transaction account data, and a redemption amount; validating the digital signature using the public key of the cryptographic key pair; and transmitting a transfer message to the first computing system, the transfer message including the transaction account data and the redemption amount.

Abstract: Systems and methods are provided for use in locating one or more merchant terminals. One example method generally includes accessing, by a computing device, interaction data for at least one interaction between a merchant and a user at a merchant terminal, where the interaction data includes a temporal indicator. In addition, the method includes receiving, by the computing device, location data associated with the at least one interaction and matching the interaction to the location data, based on the temporal indicator in the interaction data. The method then includes, in response to matching the interaction data to the location data, identifying, by the computing device, a location indicated by the location data as an actual location of the merchant terminal.

Abstract: Systems and methods are provided for use in appending log entries to a data structure. One exemplary method includes receiving, at a communication device, a log entry from a terminal and signing the log entry with a private key of a key pair specific to the communication device. The method also includes transmitting the signed log entry to an identity provider (IDP) and receiving, by the communication device, from the IDP, a signed, encrypted log entry. The method further includes verifying, by the communication device, a signature of the signed, encrypted log entry based on a public key associated with a key pair specific to the IDP and then appending the encrypted log entry to a digital identity included in the communication device.

Abstract: Systems and methods are provided for use in provisioning accounts to mobile devices. One example method includes receiving, at a mobile device, a request to provision an account to a mobile device; prompting a user associated with the account for authentication at a wireless device associated with the account; receiving an account credential from the wireless device, via a local wireless communication between the mobile device and the wireless device, when the user is authenticated at the wireless device; transmitting the account credential toward a first party associated with the account, whereby the account credential is indicative of the authentication of the user; and provisioning the account to the mobile device, in response to an approval received from the first party.

Abstract: Biometrically-enhanced verifiable credentials of an individual. In one embodiment, an electronic device including a biometric capture circuitry, a memory, and an electronic processor. The biometric capture circuitry configured to capture one or more biometrics of an individual. The memory storing a digital identity application. The electronic processor, when executing the digital identity application, is configured to receive the one or more biometrics of the individual that are captured by the biometric capture circuitry, generate a biometric token of the individual based on the one or more biometrics, receive identity information of the individual, generate biometrically-enhanced verifiable credentials including the identity information and the biometric token, and control the memory to store the biometrically-enhanced verifiable credentials.

Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Abstract: In a first party mode, a peer-to-peer transfer application: authenticates the party to an identity server; obtains an amount of funds to be transferred; causes the identity server to establish a session for storing information relating to the transaction; provides the amount to the identity server; provides account information for the party to the identity server; obtains a token unique to the transaction; obtains contact information for the counterparty; and provides a message including the token to the counterparty to indicate the transaction has been initiated. In a second counterparty mode, the application: receives a message including a token for a transaction from a first party; authenticates the counterparty; determines the counterparty wishes to complete the transaction; and uses the token to provide account information for the counterparty to the identity server for storing in association with an established session and to enable the identity server to complete the transaction.

Abstract: Various implementations described herein may refer to a digital rights management (DRM) platform. In one implementation, a method may include receiving first biometric data associated with a user. The method may also include generating first biometric templates based on the first biometric data using a DRM platform. The method may further include receiving access control data from the user, where the access control data includes data indicating time periods during which requestors are permitted to authenticate the user using the first biometric templates. The method may additionally include transmitting the first biometric templates and the access control data to the requestors using the DRM platform, where the first biometric templates are configured to be compared to second biometric templates based on the access control data, and where the second biometric templates are configured to be generated using the DRM platform based on second biometric data associated with the user.

Abstract: A common point of purchase (CPP) system for identifying a common point of purchases involved in fraudulent or unauthorized payment transactions is provided. The CPP system includes a common point of purchase (CPP) computing device that is configured to receive transaction data and build a table in a database, the table including recording pairing merchant and account identifiers. The CPP computing device is also configured to receive a list of flagged account identifiers and compare the list to the table. The CPP computing device is further configured to compute a metric and build a merchant profile for each merchant, for display at a client system.

Abstract: A method for posting of anonymous directed transaction includes: storing a plurality of entity profiles, each including an entity identifier and a secret value; receiving a transaction request from a first entity, the request including transaction data and a specific entity identifier associated with a second entity; identifying a specific entity profile that includes the specific entity identifier; generating a first hash value via application of one or more hashing algorithms to the transaction data; generating a second hash value via application of one of more hashing algorithms to a combination of the first hash value and the secret value included in the identified specific entity profile; and posting the first hash value and second hash value to a publicly accessible data source.

Abstract: A driver monitoring (DM) computing device for monitoring driving behavior of a driver in real-time is provided. The DM computing device detects a user computer device associated with a driver inside the vehicle. The DM computing device collects state data of the user computer device. The state data includes data as to a state of the user computer device during a currently occurring trip. The DM computing device collects vehicle operation data of the vehicle while the driver and the user computer device are inside the vehicle. The DM computing device compares the collected vehicle operation data and the state data of the user computer device to determine whether the user computer device was activated during the currently occurring trip. The DM computing device causes a driving reward to be applied to an account associated with the driver for inactivity of the user computer device during the currently occurring trip.

Abstract: Systems and methods for facilitating access of interchange parameter data files through a centralized microservice system that integrates a plurality of interchange network systems with a plurality of payment processing applications. The microservice system comprises a plurality of microservices and a plurality of payment processing application modules hosting the plurality of payment processing applications. The microservice system accesses interchange related information sourced from the plurality of interchange network systems and stores the interchange related information in the plurality of microservices. A plurality of financial entities gets registered with the microservice system for availing services associated with the plurality of payment processing applications. The plurality of payment processing application sends a request to the microservice system to access the interchange related information required for processing of the payment transactions requested by the financial entities.

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: 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 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: 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.