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 herein relates to methods and systems of that facilitate instant payment of invoices based on automatic, intelligent, predictions that a buyer will approve an invoice without express input by the buyer. For example, a system may determine a probability that an invoice will be approved for payment by a buyer with express approval from the buyer. Once an invoice is automatically approved for payment, the system may employ various automated systems to facilitate payment to suppliers without the need for suppliers to extract virtual card data or other payment information from email payment requests or other invoice payment requirements to receive payment. For example, the system may generate calls to automatically generate virtual card numbers on behalf of buyers and submit payment messages for payments to suppliers using the virtual card numbers.

Abstract: A system and method for generating and provisioning payment credentials to a mobile device lacking a secure element includes receiving and storing by the mobile device a card profile from a remote system. The card profile may include payment credentials corresponding to a payment account and a profile identifier. The mobile device may receive a mobile personal identification number (PIN) input by a user of the mobile device and transmit a key request to the remote system. The mobile device may receive a single use key which may include an application transaction counter and a generating key from the remote system. The mobile device may generate a payment cryptogram valid for a single financial transaction based on the received single use key and the mobile PIN and transmit the payment credentials and the generated payment cryptogram to a point-of-sale terminal for use in a financial transaction.

Abstract: A system and method for authenticating a location of a payment acceptance device is provided. The method comprises receiving a transaction request comprising merchant data, the merchant data identifying the payment acceptance device and location information identifying a location at which the transaction request is initiated; retrieving, from a database, a payment acceptance device identifier based on the merchant data, the payment acceptance device identifier identifying a location at which the payment acceptance device is registered; authenticating the location of the payment acceptance device by comparing the location information and the location identified by the payment acceptance device identifier.

Abstract: A method for verification of a data value via a Merkle root includes: storing, in a memory of a processing server, a Merkle root; receiving at least a data value, a nonce, and a plurality of hash path values; generating a combined value by combining the data value and the nonce; generating a first hash value via application of a hashing algorithm to the combined value; generating a subsequent hash value via application of the hashing algorithm to a combination of the first hash value and a first of the plurality of hash path values; repeating generation of the subsequent hash value using a combination of the next hash path value of the plurality of hash path values and the most recent subsequent hash value; and verifying the data value based on a comparison of the Merkle root and the last generated subsequent hash value.

Abstract: A system, method, and computer-readable storage medium configured to facilitate cash transactions at an Automated Teller Machine when an ATM card is not present. The system allows a customer of a first bank to use an ATM of a different bank and still facilitate the ATM transaction without an ATM card present.

Abstract: A method and system for detecting fraudulent network events in a payment card network by incorporating breach velocities into fraud scoring models are provided. A potential compromise event is detected, and payment cards that transacted at a compromised entity associated with the potential compromise event are identified. Subsequent transaction activity for the payment cards is reviewed, and a data structure for the payment cards are generated. The data structure sorts subsequent transaction activity into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values are determined, and a set of feature inputs is generated using the ratio striping values. The feature inputs are applied to a scoring model used to score future real-time transactions initiated using the payment cards.

Abstract: A method for enabling real-time authorization of a transaction with pooled equity includes: receiving a transaction request message, the transaction request message including at least a public key of a cryptographic key pair and a transacting currency amount; verifying a balance of a cryptographic currency for a first blockchain wallet associated with the cryptographic key pair on a blockchain using at least the public key, where at least a portion of the balance is locked in a currency pool; generating a smart contract, the smart contract configured to initiate a first blockchain transaction on the blockchain for transfer of the transacting currency amount from a second blockchain wallet to a destination address, where the second blockchain wallet is different from the first blockchain wallet; and transmitting the generated smart contract to a node in a blockchain network associated with the blockchain for publishing to the blockchain.

Abstract: A growth predictor includes a monitor, a prediction engine, and a prioritization engine. The monitor receives or generates first information of a network already identified as a candidate money laundering (ML) network by an anti-money-laundering system. The prediction engine predicts second information indicative of a growth size of the ML network at a future time based on the first information. The prediction engine executes one or more predictive models to generate the second information indicative of growth size based on the first information, which indicates one or more changes that have occurred in the candidate ML network over a past period of time. The prioritization engine determines a priority of the candidate ML network based on the second information.

Abstract: A cardholder authentication method includes receiving, at an authentication network, an authentication request involving an account. The method further includes determining, based at least in part on a portion of an account identifier associated with said account, an authentication service. In addition, the method includes determining, based at least on said authentication service and a portion of said account identifier, an authentication response. The method also includes transmitting, to a merchant associated with a transaction involving said account, said authentication response.

Abstract: Systems and methods are provided for use in provisioning a biometric image template to a card device. One example portable communication device includes a processor, a wireless communication interface coupled to the processor, and an input device coupled to the processor. The processor is configured to transmit to a card device, via the wireless communication interface, a certificate associated with the portable communication device, whereby the portable communication device is authenticated by the card device, receive from the card device, via the wireless communication interface, a certificate associated with the card device, and authenticate the card device based on the received certificate. After the card device is authenticated, the processor is configured to capture, via the at least one input device, a biometric image of the user and provision, via the wireless communication interface, the captured biometric image to the card device.

Abstract: Embodiments provide methods and systems for verifying plurality of user attributes corresponding to a purchase of a user, including restricted products. Methods include receiving a payment request for purchasing a plurality of products, determining plurality of attributes to be verified for the payment request by applying regulatory rules on a products related information associated with the plurality of products, transmitting a payment link, to the merchant terminal including at least one user-specific attribute to be verified from the user.

Abstract: A system for providing biometric data to a user device. The system includes an electronic processor, the electronic processor configured to receive, from a remote device, biometric data for a user and create a biometric token for the user based on the biometric data. The electronic processor is also configured to transmit the biometric token to a global token repository, periodically create, for a user device, an update package including a subset of updated biometric tokens from the global token repository that are associated with one or more programs associated with the user device, by identifying one or more updated biometric tokens in the global token repository associated with a program GUID of a program of the one or more programs, and transmit the update package to the user device when the user device is next in communicative contact with the electronic computing device.

Abstract: Systems and methods are provided for restoring backup data files. One example computer-implemented method includes receiving a restore request including a backup data file having an L1 file, a wrapped L1 key, and an L4 file having an attribute of a user. In response, the method includes unwrapping the L1 key with a private key, decrypting the L1 file via the L1 key, and verifying a sample biometric included in the restore request against a reference biometric from the L1 file. Upon verification of the sample biometric, the method includes decrypting an L2 file of the L1 file, verifying a contact attribute from the L2 file with the user, decrypting an L3 file using the contact attribute, wrapping an L4 key from the L3 file with the public key of the restore request, and transmitting the wrapped L4 key to a mobile device of the user.

Abstract: A server and method for sending a transaction receipt via a push notification is provided. The server comprises at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the server at least to: receive, from an issuer server, an approval message approving the user-initiated transaction request and transaction receipt details indicating a completion of the user-initiated transaction request, the user-initiated transaction request having corresponding transaction request details including a unique device identifier identifying a payment device that has been used to initiate the user-initiated transaction request; encrypt the transaction receipt details to provide encrypted transaction receipt details; and push, to the payment device identified by the unique device identifier, the encrypted transaction receipt details via a push notification channel.

Abstract: Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request includes a primary account number (PAN) for a payment account and a transaction amount. The computing device is also configured to determine whether the authorization request includes an accountholder authentication value (AAV) and/or a transaction identifier (ID). In response to the authorization request including the AAV and the transaction ID, the computing device is configured to determine whether the AAV and the transaction ID are included in a data structure and, in response to them being included in the data structure, append a tag to the authorization request indicative of association of the authorization request to an authentication in the data structure associated with the AAV and the transaction ID.

Abstract: Systems and methods for managing a user-selected card verification code (CVC2) value for a payment card are disclosed. A sever is coupled to a payment card database and a hardware security module. The server is programmed to receive a request from a user to change the CVC2 value of the payment card to the user-selected CVC2 value. Based upon the request, the server retrieves from a payment card table stored on the database a payment card record associated with the payment card. The server transmits the user-selected CVC2 value, and, from the payment card record, a primary account number, a payment card expiry date, and a first service code to a hardware security module. The server subsequently receives from the hardware security module a second service code associated with the user-selected CVC2 value. The server updates the first service code in the payment card record to the second service code.

Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.

Abstract: A method includes communicating with a remote server computer via a first mobile device to receive in the first mobile device a payment token associated with a PAN (primary account number). The PAN identifies a payment account owned by a user of the first mobile device. The method further includes provisioning the payment token from the first mobile device to a second mobile device in proximity to the first mobile device. The provisioning includes transfer of data from the first mobile device to the second mobile device.

Abstract: A method for providing scripts for execution as part of an electronic transaction includes: storing, in a memory of an integrated circuit payment card, at least one or more executable scripts, payment credentials, and a cryptogram rule; receiving, by a receiving device of the integrated circuit payment card, a transaction request from a point of sale device, wherein the transaction request includes at least one or more transaction items and a script request; generating, by a generation module of the integrated circuit payment card, at least one payment cryptogram based on at least the cryptogram rule and at least one of the one or more transaction items; and electronically transmitting, by a transmitting device of the integrated circuit payment card, at least one of the one or more executable scripts, the payment credentials, and the generated at least one payment cryptogram to the point of sale device.