Abstract: A computer system including a processor, in communication with a database, programmed to identify a plurality of billers from the database, including biller information, and receive a payee file including payee information identifying a payee which issued a bill to a payor. The processor determines an approximate match score for each of the billers in a first set of billers of the plurality of billers by comparing payee information to biller information and identifies a candidate list of billers from the first set of billers having an approximate match score indicating a likelihood of matching the payee information. The processor adjusts the candidate list of billers by altering the match score of at least one candidate biller by comparing a payee account number of the payee information to an account mask associated with the candidate biller and generates an output file of candidate biller information from the adjusted candidate list.

Abstract: A system receives a remote pay authorization request message from a first consumer. The message includes a transaction token with transaction details. The system also receives first user mapping data from a first issuer. The mapping data includes a unique ID corresponding to a second consumer (i.e., a paying consumer). The system receives a second remote pay authorization request message from the second consumer. The message includes a payment token that includes consumer payment account data. The system also receives second user mapping data from a second issuer. The second user mapping data includes the unique ID. The system determines that the unique ID is included in the first and second user mapping data. The system merges the transaction token and the payment token into a combined payment token, thereby enabling the second consumer to pay for a transaction performed by the first consumer.

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 system for payment routing according to a likelihood of settlement. The system includes processors and/or transceivers programmed to receive a payment transaction message relating to a putative payment transaction. The payment transaction message contains putative payment transaction data including a customer identification (ID) for an account and a transaction amount. The system generates a scaled score representing the likelihood of settlement of the putative payment transaction on at least one date for each of a plurality of potential payment rails. Based at least in part on the at least one scaled score for each of the plurality of potential payment rails, the system selects a payment rail from the plurality of payment rails. The system initiates, via the selected payment rail, a payment transaction corresponding to the putative payment transaction.

Abstract: A method for establishing an immutable record of proof of provenance of a digital receipt using blockchain includes: receiving, by a receiver of a computing device, at least a product identifier for each of one or more products; generating, by a processor of the computing device, a data object comprising a digital receipt including at least the product identifier for each of the one or more products; transmitting, by a transmitter of the computing device, the generated data object to a blockchain node in a blockchain network; receiving, by the receiver of the computing device, a notification message from the blockchain node indicating successful addition of a new blockchain data entry in a blockchain associated with the blockchain network, the new blockchain data entry including at least the generated data object; and transmitting, by the transmitter of the computing device, the generated data object to a user device.

Abstract: A computer system includes a processor and a memory device. The computer system is configured to execute a function that builds a software instance definition object. The software instance definition object includes one or more configuration items, attributes, permissions, and linkages to other objects, which define a software instance. The computer system temporarily stores the software instance definition object in the memory device. The computer system updates at least one of the configuration items, attributes, permissions, and linkages to other objects of the stored software instance definition object, thereby creating an updated software instance definition object. A fix command is then executed to update the software instance based on the updated software instance definition object, thereby creating an updated software instance. After creating the updated software instance, the software instance definition object is deleted from the memory device.

Abstract: The disclosure describes systems and methods for authenticating a consumer performing a digital wallet transaction while wearing a face covering. A consumer authentication system includes an electronic circuit device having a wireless transmitter chip associated with a unique identifier (UID). The system receives a transaction request message, and in response, transmits an authentication request message to the consumer. The system then receives an authentication response message from the consumer. The authentication response message includes a biometric sample of a select physical feature of the consumer. The system determines that the biometric sample matches the biometric profile of the consumer above a predetermined lower threshold and then reads a unique identifier (UID) from the electronic circuit device. The system determines whether the read unique identifier (UID) matches the unique identifier (UID) of the new consumer account.

Abstract: A method for generating a digital receipt for a transaction including provenance information for purchased products includes: receiving a data request from a first computing device including a transaction identifier related to a processed payment transaction; identifying transaction details for the processed payment transaction based on the transaction identifier, the transaction details including a product identifier for each of one or more products purchased in the processed payment transaction; transmitting the product identifier for each of the one or more products to a second computing device; receiving provenance data for each of the one or more products from the second computing device; generating a digital receipt for the processed payment transaction, the digital receipt including the received provenance data for each of the one or more products; and transmitting the generated digital receipt to the first computing device.

Abstract: Embodiments provide artificial intelligence methods and systems for evaluating vulnerability risks of issuer authorization system. Method performed by a server system includes accessing a set of payment transaction data including subset of fraudulent transaction data. Method includes generating via a machine learning model, set of synthetic transaction data based on the subset of fraudulent transaction data. Method includes accessing set of historical card velocity features and collating the set of synthetic transaction data and the set of historical card velocity features to generate set of enriched synthetic transaction data. Method includes extracting via a classifier, subset of feasible fraudulent transaction data from the set of enriched synthetic transaction data. Method includes generating simulated authorization model based on the set of payment transaction data.

Abstract: A method of facilitating a transaction with a payment card of a cardholder. The method includes receiving a deceptive PIN comprising a set of characters in which one character is a deceptive character. The deceptive character is different than each of a set of actual characters of an actual PIN of the payment card. The method includes identifying the deceptive character and a position of the deceptive character among the set of characters of the deceptive PIN. The method includes determining a reconstructed PIN by replacing the deceptive character with a corresponding actual character at the position in the deceptive PIN. The actual character is determined based on a predefined mathematical expression and a predefined value for the predefined mathematical expression. The method includes authenticating the reconstructed PIN by matching the reconstructed PIN with the actual PIN. The method further includes facilitating the transaction upon successful authentication.

Abstract: Systems and methods are provided for authenticating a user in connection with a network transaction by the user, based on a biometric combination for the user. One exemplary method includes receiving an authorization request for a network transaction by a user where the authorization request includes biometric data representing at least first and second biometrics of the user. The method also includes converting the biometric data to a personal identification number (PIN) specific to the biometric data, where the first biometric is converted to a first character of the PIN and the second biometric is converted to a second character of the PIN. The method further includes appending the PIN to the authorization request and transmitting the authorization request to an issuer, thereby permitting the issuer to approve or decline the network transaction based, at least in part, on the PIN included in the authorization request.

Abstract: The disclosure herein describes determining computing assets associated with a service. Metadata from one or more computing assets of a computing system is collected. One or more alias terms are identified in the collected metadata of the one or more computing assets, wherein the alias terms are associated with the service. Service association scores are generated for the one or more computing assets based on the identified one or more alias terms and a term-score mapping. Each service association score indicates a likelihood that a computing asset is used for a service. A subset of computing assets of the one or more computing assets is identified. The subset of computing assets includes computing assets with service association scores that exceed a service association threshold. Computing assets of the service are identified based on the identified subset, thereby reducing the need for manual identification of asset-service associations.

Abstract: A computer-implemented method for updating stored cardholder account data is provided. The method is implemented using an account updating server in communication with a memory. The method includes receiving, from an issuer computer system, cardholder account update information associated with a plurality of cardholder accounts, identifying a merchant associated with at least one of the plurality of cardholder accounts based, at least in part, on the cardholder account update information, generating a merchant update file for the identified merchant including the cardholder account update information for the at least one of the plurality of cardholder accounts, and transmitting the merchant update file.

Abstract: A method for real-time invoice updating and account-to-account payment includes: receiving invoice data based on presentation of an invoice by a distributor to a recipient at a delivery location, modification of the invoice by the recipient, and acceptance of the invoice by the recipient; generating a request for payment (RFP) message based on the invoice data; transmitting the RFP message to a financial institution associated with the recipient via a financial institution of the distributor; receiving, from the financial institution associated with the distributor, a payment confirmation for the invoice based on a real-time payment from the financial institution associated with the recipient; generating reconciliation data based on the payment confirmation and the invoice data; and transmitting the reconciliation data to a computing device of the distributor and a computing device of the recipient.

Abstract: The present disclosure relates to credential management for mobile devices that can be used for access to secured physical environments. One aspect comprises a computer implemented method comprising a mobile computing device: receiving, from a server system, and storing, on the mobile computing device: one or more application sequence counter values, one or more limited use credentials (LUCs), each LUC being bound to a corresponding one of the application sequence counter values; one or more emergency credentials, and an account token; subsequently receiving an authentication request from a terminal; in response to receiving the authentication request, determining that no LUC is available for fulfilling the request; and in response to determining that no LUC is available for fulfilling the request: transmitting, to the terminal, the account token and an application cryptogram generated from an emergency credential of said one or more emergency credentials; and updating a current application sequence counter.

Abstract: An ultra-wideband (UWB)-enabled payment acceptance system can include a UWB anchor and a terminal device. The UWB anchor identifies UWB-enabled devices within a vicinity; and in response to receiving an indication of an intent to perform a payment transaction from a particular UWB-enabled device, the UWB anchor establishes a secure communication channel with the particular UWB-enabled device. The terminal device, via the UWB anchor, communicates transaction related information over the secure communication channel to the particular UWB-enabled device and receives a transaction payload from the particular UWB-enabled device over the secure communication channel. A UWB-enabled device includes a processor, storage, a battery, and a UWB chip. Instructions can be stored in the storage of the UWB-enabled device that when executed by the processor direct the UWB-enabled device to perform various processes supporting frictionless transactions, such as with respect to the UWB-enabled payment acceptance system.

Abstract: A data processing system for reconciling electronic transaction data is disclosed. The data processing system comprises: a computer processor and a data storage device, the data storage device storing instructions operative by the processor to: receive refund transaction data indicating a refund transaction, the refund transaction data comprising an indication of an original transaction and an indication of a refund amount; look up original transaction data for the original transaction in a payment transaction database; generate reconciled transaction data from the refund transaction data and the original transaction data; and provide the reconciled transaction data to a user device.

Abstract: A method for atomic exchange of assets on multiple blockchains using transient key pairs includes: generating, by a first computing device, a proposal message, the proposal message including at least a first transaction value, a first network identifier corresponding to a first blockchain, a second transaction value, a second network identifier corresponding to a second blockchain, and a swap public key of a swap cryptographic key pair; generating, by the first computing device, a first digital signature for the proposal message; encrypting, by the first computing device, the first digital signature using the swap public key and a first private key of a first cryptographic key pair; appending, by the first computing device, the encrypted first digital signature to the generated proposal message; and transmitting, by the first computing device, the generated proposal message with appended encrypted first digital signature to a second computing device.

Abstract: A method for enabling the use of blockchain smart contracts as part of a traditional payment transaction includes: receiving, by a receiver of a processing server, a transaction message for a payment transaction, wherein the transaction message is formatted according to one or more standards and includes a plurality of data elements storing transaction data, the transaction data including at least a bank identification value; determining, by a processor of the processing server, a routing plan for the transaction message based on at least the bank identification value; and transmitting, by a transmitter of the processing server, the transaction message to (i) a first computing system using a first communication port of the processing server, and (ii) a second computing system using a second communication port of the processing server, based on the determined routing plan.

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.