Abstract: Disclosed herein is a computer implemented method for providing authentication for secure transactions in a multi-server system, the method comprising; receiving, at an authentication server from a requestor server, a request for a cryptogram, the request being associated with a transaction and including a requestor identifier; in response to receiving the request, generating a cryptogram; sending, from the authentication server, the cryptogram to the requestor server; receiving, at the authentication server from a merchant server, the cryptogram, a payment token, and a unique merchant identifier, and a merchant secret; validating, at the authentication server, the cryptogram; comparing, at the authentication server, the unique merchant identifier and the merchant secret with a unique merchant identifier and a merchant secret pair stored in a database; and authorizing, at the authentication server, the transaction when there is a match.

Abstract: A computer system includes a processor and a database. The database includes a plurality of business intelligence (BI) data objects. Each of the BI data objects is associated with one or more data parameters. The processor is programmed with computer-executable instructions that cause the processor to run user code associated with a runtime environment that is hosted on the database. The user code includes executable source code that is not an intrinsic part of the database. The user code is created and deployed into the database and is configured to intercept a data call from a query application to a query interface for data corresponding to one or more of the BI data objects. The data call includes one or more selected parameters. The data call is parsed to ascertain the one or more selected parameters. Data corresponding to the one or more BI data objects is obtained from the database based on the one or more selected parameters. A data prediction result is appended to the obtained data.

Abstract: A method for propagating survival of cryptographic currency after inactivity over a predetermined period of time in a blockchain through the use of smart contracts includes: receiving a propagation request that includes unspent transaction output addresses, a digital signature, and a recipient address; generating a smart contract that is configured to self-execute after a predetermined period of time to initiate transfer of cryptographic currency from the output addresses to the recipient address; submitting the smart contract to a node in a blockchain network for addition to the blockchain; monitoring for new blockchain transactions involving any of the unspent transaction output addresses; generating a new smart contract to update the unspent transaction output addresses based on new blockchain transactions; and submitting the new smart contract to a node in a blockchain network after updating.

Abstract: Embodiments provide methods and systems for determining optimal interbank network for routing payment transactions. Method performed by server system includes accessing historical transaction data of acquirer from acquirer database, determining payment transaction types corresponding to future payment transactions processing via acquirer for particular period of time based on historical transaction data, predicting fixed interchange cost for each payment transaction type incurring to acquirer for routing future payment transactions through interbank network of interbank networks based on interchange prediction model, performing linear optimization utilizing set of metrics, to make decision whether to apply merchant-specific discount to particular payment transaction type, or not, and routing real-time payment transactions through optimal interbank networks with lowest total transaction cost.

Abstract: A method for reserving access to a shared space through use of a blockchain and smart contracts includes: storing a blockchain including a plurality of blocks, each block including a block header and one or more blockchain data values, wherein one of the one or more blockchain data values included in one of the plurality of blocks includes a smart contract including at least an identifier and one or more terms; receiving a reservation request, wherein the reservation request includes at least the identifier, a reservation time, a public key of a cryptographic key pair, and a digital signature generated using the private key of the cryptographic key pair; validating the digital signature using the public key; executing the smart contract using the public key and the reservation time; and transmitting one or more data values to an internet-enabled device as part of the execution of the smart contract.

Abstract: A method of operating a payment-enabled mobile device to gain access to a location or a service. In an embodiment, a contactless front-end (CLF) component of a payment-enabled mobile device sequentially detects short-distance radio signals comprising at least two different polling signals, determines based on the sequence of the at least two different polling signals, that the payment-enabled mobile device is in proximity to a non-retail contactless transaction terminal, and then a payment application running on the payment-enabled mobile device bypasses a customary user verification feature. The process also includes the payment-enabled mobile device running the payment application performing a transaction with the non-retail contactless transaction terminal without invoking the customary user verification feature and then gaining access to at least one of a location or service.

Abstract: A method and system for facilitating payment transactions is provided. A server receives a transaction scheduling request from a first user device for scheduling a payment transaction from a first payment account associated with a first user to a second payment account associated with a second user. The payment transaction is scheduled for a first time instance. Upon successful scheduling of the payment transaction, a one-time password for authenticating the scheduled payment transaction is communicated to the first user. The server receives a payment transaction request corresponding to the scheduled payment transaction from a second user device associated with the second user to approve the scheduled payment transaction. The scheduled payment transaction is approved upon successfully receiving the one-time password from the second user device.

Abstract: Described herein is a data optimization computer system for optimizing transaction authorization request messages directed to an authorizing party. The computer system includes a historical transaction database, a merchant database, and a data optimization computing device. The historical transaction database stores a plurality of historical transaction records. The merchant database stores a first merchant registered with the optimization computer system. The data optimization computing device may analyze at least a subset of the historical transaction records to generate a set of optimization rules. The set of optimization rules identifies optimal values for an optimized transaction authorization request message. The optimized transaction authorization request message may be associated with an improved likelihood of resulting in a positive request outcome.

Abstract: An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data.

Abstract: Disclosed are exemplary embodiments of systems and methods for facilitating a transaction for the purchase of a product through an unattended vendor. One exemplary method includes capturing a facial image of a user and identifying the user based on the captured facial image. The method then includes compiling a pre-authorization request including credential associated with an account for the user and a first amount and, upon receipt of an approval of the request, manipulating a locking mechanism coupled to a container associated with the unattended vendor to permit access by the user to products included in the container. The method further includes capturing an image of a product removed from the container, identifying the product based on the image, and compiling an authorization request for purchase of the product based on the credential and a second amount associated with the price of the removed product.

Abstract: A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device in communication with a processor. The processor is programmed to receive transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, the purchases satisfying a first criteria. The processor receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder. The computer system determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, and determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders.

Abstract: A method for audience recommendation using node similarity in combined contextual graph embeddings can include receiving a merchant identifier of a merchant and generating one or more merchant tags describing merchant data corresponding to the merchant. A set of audience embeddings can be generated from a set of audience auxiliary data using an audience taxonomy and a set of merchant embeddings can be generated from the merchant data relating to the merchant using the one or more merchant tags. The set of audience embeddings and the set of merchant embeddings are used to produce a heterogenous information network of combined audience data and merchant data, which is then analyzed to identify relationships between each audience and the merchant. A score for one or more audiences can be determined based on the relationships between the one or more audiences and the merchant.

Abstract: A payment transaction method is provided comprising: providing a 2-dimensional coded representation to a payment giver for identifying the payment receiver; providing a code recognition device to recognize the 2-dimensional coded representation as being associated with the payment receiver; commencing a payment transaction from a payment giver to the payment receiver; wherein the 2-dimensional coded representation is provided to the code recognition device using a non-visual interaction channel, and the 2-dimensional coded representation is recognized using non-visual scanning. Alternatively or additionally, a push request database may be provided which allows a selection to be made between payment using a push request or payment using a 2d coded representation. This selection may be performed by the payment giver, the payment receiver or an arbiter.

Abstract: A payment facilitating and processing system includes a payment terminal. The payment terminal includes a processor and a first receiver. The first receiver is configured to communicate with the processor. The payment facilitating and processing system further includes a second receiver, which is also configured to communicate with the processor. The payment facilitating and processing system still further includes a mobility assistance device including a transmitter. The transmitter is configured to receive payment information from a payment apparatus and transmit the payment information to the second receiver upon positioning of the transmitter in close proximity to the second receiver.

Abstract: Systems and methods are provided for use in facilitating network messages. An exemplary method includes receiving, at a network, an instruction associated with a first user and specific to a first user account, where the instruction is directed to a second user account associated with a second user. The method also includes compiling a pre-authorization message indicative of the instruction, consistent with a first message standard and including an identifier of the first user account, and transmitting the pre-authorization message to a first institution associated with the first user account.

Abstract: System and methods perform identity freezing. A user input requesting halting of operations related to a plurality of accounts or profiles of the user at different local systems is received. In response, a token mapping database is accessed to identify a personally identifiable information (PII) token for the user. A freeze message with the PII token is transmitted to the different local systems to halt operations associated with the plurality of accounts or profiles of the user. Thereafter, at the different local systems, the operations associated with the plurality of accounts or profiles of the user are halted to freeze an identity of the user. More efficient communication and operations to freeze the user accounts and profiles thereby result.

Abstract: Payment authentication using OS-based (operating system-based) and issuer-based authenticator applications is provided. The described authenticator applications perform processes including managing a resource with information about registered users; receiving user identifiable information; authenticating a user using the user identifiable information and the information stored in the resource; upon authenticating the user using the user identifiable information and the information stored in the resource, generating a key tied to existing biometric authentication of the user and mapped to the user identifiable information; and communicating with a support server to provide the key and a notification of a potential transaction.

Abstract: A method for processing a trust-based transaction via a blockchain includes: receiving data associated with a proposed trust-based transaction including at least a transaction amount, payment data, and a broker identifier; processing payment for the transaction amount using the payment data; identifying a blockchain address associated with a broker corresponding to the broker identifier; generating a digital token, wherein the digital token is unique to the proposed trust-based transaction; electronically transmitting the generated digital token to a first computing device; and electronically transmitting at least the transaction amount, blockchain address, and at least one of: the generated digital token and data used to generate the generated digital token to a node associated with a blockchain network.

Abstract: A message tracking computing device for identifying anomalous activity in real-time is provided. The message tracking computing device is programmed to receive real-time transaction data including a plurality of transaction records. Each transaction record associated with a payment transaction. The message tracking computing device is also programmed to sort the plurality of transaction records into a plurality of channels. The message tracking computing device is further programmed to compute, for each channel, a normalized velocity score by computing a streaming mean, computing a streaming standard deviation, and computing the normalized velocity score based on the streaming mean, the streaming standard deviation, and a transaction ratio.

Abstract: Provided are systems and methods for managing and implementing single-use payment-enabled tokens. In one example, a method may include distributing, via a server, a payment-enabled token to a payment application on a computing device, the payment-enabled token being mapped to a payment account of the payment application via a tokenization service, detecting use of the payment-enabled token as a payment via the payment application, and in response to the detecting, deactivating the payment-enabled token at the server and storing an identifier of the payment-enabled token and an additional data element of the payment-enabled token that identifies the payment account together within a data structure of the server.