Abstract: The disclosure herein describes providing transaction retry notifications to merchants based on monitored account usage. An insufficient funds message of a first transaction is received that indicates the first transaction includes a payment to be provided to a merchant from an account and that the account has insufficient funds for the first transaction. An account identifier of the account is stored and a transaction message of a second transaction associated with the account is detected based on the stored account identifier. The transaction message indicates that the account has sufficient funds for the second transaction. Based on detecting the transaction message, a transaction retry notification is sent to the merchant, whereby the merchant is notified that the account with which the first transaction is associated includes a quantity of funds. The disclosure enables merchants to optimize the timing or retrying failed transactions and thereby reduce costs associated with transaction retries.

Abstract: Through a missing entity process any point of sale (POS) terminal can be used to help a missing entity contact find a missing entity. A missing entity system can receive a request that includes at least missing entity account information and merchant information as transmitted from the POS terminal. The request may be a missing entity service request (an API call) requesting a missing entity alert or a conventional transaction request, such as an authorization request or a preauthorization request. Upon receipt of the request, the missing entity system can obtain contact information for a missing entity contact associated with the missing entity account information and communicate, via a messaging application, the missing entity alert to the missing entity contact using the obtained contact information. The missing entity alert notifies the missing entity contact of the location of the missing entity as indicated by the merchant information.

Abstract: A computer-implemented method for authenticating a user device via a device credential scoped to a common domain shared among a plurality of payment networks may be provided. The method may include receiving, by a server of a payment network, a first request redirected from a sub-domain assigned to the payment network to a domain name associated with the payment network, responsive to the first request, transmitting, to the user device, an authentication request comprising a challenge, a user identifier that identifies the user, and the common domain to which the device credential is scoped, receiving, from the user device, a response, accessing the device credential, the device credential having been stored by the payment network, validating the response based on the device credential, and causing, by the server, the user identifier and the device credential to be federated to the other ones of the plurality of payment networks based on the validating.

Abstract: A method for detecting fraudulent transactions includes generation of a graph including a plurality of nodes and a plurality edges between the plurality of nodes based on historical transaction data of a plurality of historical transactions. The plurality of nodes include a set of merchant nodes and a set of consumer nodes. A set of static features and a plurality of dynamic features are determined based on the historical transaction data and the generated graph, respectively. A neural network is trained based on the set of static features and the plurality of dynamic features for detection of transaction fraud. The neural network is used to detect a first transaction as one of a fraudulent transaction or a legitimate transaction based on first transaction data of the first transaction.

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.

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: A computer-implemented method for detecting potentially compromised payment cards is provided. The method uses a processor in communication with a memory. The method includes storing a plurality of tokens. Each token includes merchant identification data corresponding to a first merchant. The method also includes transmitting the plurality of tokens to the first merchant and receiving an authorization request message from a merchant. The authorization request message includes a token and a merchant identifier corresponding to the merchant. The method further includes determining that the received token is one of the plurality of tokens associated with the first merchant, determining that the merchant identifier does not correspond to the first merchant, transmitting a message including instructions to decline the transaction, and attaching a potentially compromised flag to the first merchant. The potentially compromised flag indicates a heightened probability of fraudulent activity.

Abstract: A computer-implemented method for team-sourced anomaly vetting via automatically-delegated role definition. The method may include automatically determining that an event of the computing system corresponding to activity of an end user is anomalous. Based on the anomalous event, a permission store of the computing system may automatically be edited to include an access restriction on the end user, and a notification may be automatically generated and transmitted to one or both of the end user and another end user. The notification may provide access to an executable statement including code configured to be executed to remove the access restriction. A call to the executable statement by the other end user may be automatically received. Further, the permission store may be automatically edited to remove the access restriction on the end user.

Abstract: There is disclosed a computer implemented method (300) of managing user accounts at a biometric database, the biometric database comprising biometric data of a user. The method comprises the steps of: receiving (301), at the biometric database, a message from a user device to suspend a user's account, the message comprising a cryptographic parameter; suspending (303) the user's account, the step of suspending comprising: encrypting (305), at the biometric database, biometric data of the user associated with the user's account using the cryptographic parameter; storing (307), the encrypted biometric data; and discarding (309), at the biometric database, the cryptographic parameter; and transmitting (311), from the biometric database, a message to the user device indicating that the user's account has been suspended.

Abstract: A system is configured to retrieve a set of customer raw transaction data, wherein the transactions are devoid of any target transactions of interest. An impact neural network model is applied to the transaction data using a “notTarget” variable. The “notTarget” variable indicates that the target transaction of interest is not included in the transaction data. The model predicts a first result based on the “notTarget” variable. The model is applied to the transaction data using an “isTarget” variable. The “isTarget” variable indicates that the target transaction of interest is included in the set of customer raw transaction data. The model predicts a second result based on the “isTarget” variable. The system determines a difference between the second and first results. The difference is a predicted incremental impact on cardholder behavior. The system presents the predicted incremental impact on cardholder behavior to an issuer associated with the transaction data.

Abstract: A system is configured to retrieve historical raw transaction data, wherein each transaction is one of a target or non-target transaction. The target transactions are related to a target transaction event. A target transaction identifier is appended to each target transaction. The raw transaction data is stored to a first data table. A first neural network is trained using the first data table to generate a training data classification model. The training data classification model is applied to the first data table. A first similarity score distribution associated with the target transactions and a second similarity score distribution associated with the non-target transactions is determined. A plurality of non-target transactions whose combined similarity score distribution matches the target transactions is selected. The target transactions and the selected plurality of non-target transactions are stored to a second data table and a second neural network is trained using the second data table.

Abstract: Systems and methods are provided for context-based authentication, via a decentralized network. One example method includes receiving, at a mobile device, from a relying party, a request for an attribute of a user in connection with an interaction between the user and the relying party and determining a type of authentication to be used for the interaction, based on an authentication policy of the relying party and multiple context signals stored in the mobile device prior to providing the attribute to the relying party. The multiple context signals are indicative of one or more patterns indicative of the user and/or the mobile device. The method also includes soliciting authentication data from the user consistent with the determined type of authentication, receiving, by the mobile device, the solicited authentication from the user, and providing the attribute to the relying party in response to the user being authenticated at the mobile device.

Abstract: The invention provides systems, methods and computer program products for securing electronic transactions and users of electronic transaction services from phishing attacks by malicious attackers and fraudsters. A terminal device receives a first data communication comprising an OTP associated with a requested electronic transaction, and identifies a validity period associated with the OTP. The terminal device responds to detection of a second data communication between the terminal device and a remote entity during the identified validity period, by extracting content from the second data communication. The extracted content is analyzed and a risk decision is generated based on output of the analysis of the extracted content. The risk decision determines whether the remote entity comprises, or is controlled by, a malicious attacker.

Abstract: A streamline banking system includes a customer kiosk having a photographic element and a processor. The processor is programmed to capture an image with the photographic element and determine that the captured image comprises an image of a machine-readable code. The processor decodes the machine-readable code and extracts customer financial account data therefrom. The customer financial account data is associated with one or more financial institutions. The processor retrieves information associated with one or more financial product offerings offered by the financial institutions. Each of the financial institutions is presented to a customer along with the respective financial accounts and the respective financial product offerings. The customer selects one or more of the financial accounts and the financial product offerings. The customer kiosk then transmits to the customer service computing system the customer selection.

Abstract: A computer-implemented method for secure multi-datasource query job status notification that includes accessing notification characteristics for a query job status. Occurrence of the query job status and a present security level may be determined. Based on the notification characteristics, a notification may be generated at least in part by omitting available data based on the present security level. Based at least in part on the occurrence of the query job status, transmission of the notification to an end user computing device may be directed.

Abstract: Embodiments provide methods and systems for facilitating scheduled payment transactions to users via an application provided by the server system, the application available on the user device. The method performed by the server system includes receiving a transaction request message from the user device, the transaction request message includes scheduled transaction instruction provided by the user in natural language format. The method includes authenticating the user based on a plurality of user authentication factors received from the user at pre-defined time intervals. In an embodiment, the server system is configured to train a data model using ML algorithms by learning the plurality of user authentication factors based on which the user is automatically authenticated by the server system. Upon successful authentication, the method includes parsing the transaction request message to determine a scheduled transaction instruction.

Abstract: Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the message includes a changed attribute for the user. The method also includes generating a first hash of a first digital identity for the user with the changed attribute and generating a second hash of a second digital identity of the user stored in a ledger data structure. And, in response to the first hash not matching the second hash, the method then includes broadcasting a pending status of the first digital identity to a relying party for the second digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.

Abstract: Disclosed herein are systems and methods allowing provider server and an analytics server to communicate confidential information but not compromise the anonymity of the customers if the data transmitted in either direction were to be intercepted or otherwise viewed by an unauthorized party, each server is configured to transmit the data records of the customers without any personally identifying information (PII) associated with the customers. The databases may “link” the data records by separately generating customer key identifiers for each unique customer having data in the one or both of the databases, according to predefined parameters and a predetermined one-way hashing algorithm. The unique customer key identifier may then be concatenated to, appended to, or otherwise associated with each data record for a particular customer that is being communicated between the servers.

Abstract: A data management computing system for tracking data protection compliance of a plurality of entities using a data management (“DM”) server is provided. The DM server includes at least one processor programmed to: (i) receive, from a requesting entity, a personally identifying information (“PII”) consent request for access to a requested PII set of a user, (ii) determine at least one PII item associated with a reason code, (iii) compare the at least one PII item to the requested PII set, (iv) generate a consent recommendation, (v) transmit the consent recommendation to the user, (vi) receive a response indicating user consent, (vii) transmit, to the requesting entity, a notification indicating the user consent for the requesting entity to retrieve the at least one PII item from a third-party PII storage entity, and (viii) update a user profile to track the requesting entity with the at least one PII item.

Abstract: A method includes receiving a first ACH (automated clearing house) transaction at a local (domestic) sponsor bank. The first ACH transaction originates from a domestic originating bank. In response to the first ACH transaction, a second ACH transaction is executed from the local sponsor bank to a foreign sponsor bank. The second ACH transaction includes addressing messaging. The addressing messaging indicates a receiving bank in the same country as the foreign sponsor bank. The receiving bank is designated to receive a third ACH transaction from the foreign sponsor bank to benefit a recipient's account at the receiving bank. The addressing messaging contains an account number to identify the recipient's account.