Abstract: Techniques are disclosed relating to a delayed presentation of authentication challenge for users, such as in the context of a chat session. In various embodiments, a server system receives an indication of a request for service initiated by a user in a chat session within an application executed by a client device. The request for service involves an authentication of the user that is dependent on the authentication being successfully completed within a particular time period after the authentication is initiated. The server system delays the initiation of authentication for the request for service until a readiness condition is satisfied. The readiness condition includes the server system being available to process the request for service, as well as subsequently detecting engagement with the user relating to the request for service. In response to the readiness condition being satisfied, the server system initiates the authentication of the user.

Abstract: Methods and systems for a device identification system may be provided. The device identification system may determine an identity of a user device associated with a transaction. The identity may be determined by network address information, hard link information, soft link information, and/or other such information. The network address information may include IPv4 information, IPv6 information, a device ID, and/or other such information. The identity of the user device may be determined and a transaction conducted from the user device may be assigned a fraudulent transaction risk score according to the information. Transactions that are determined to be at a high risk of fraud may be reviewed or otherwise flagged and/or canceled.

Abstract: System and method for facilitating account access delegation are provided. Login credentials are authenticated for a first account of a first funding source of a first user. A request from the first user to delegate, to a second account of a second user, access to the first funding source is received. A redirected login request from a merchant web application is further received. The redirected login request corresponds to the second account. A determination is made, based on the received request, that the second account is permissioned to use the first funding source. In response to the determination, a login of the first user account is caused on the merchant web application. The logging in of the first user account on the merchant web application causes the first funding source to be applied to an electronic transaction performed on the merchant web application under control of the second user.

Abstract: A system or a method may be provided that may detect a movement or activity of a user via the user's mobile and/or wearable devices. The system may adjust the display interface based on the user's detected movement or activity. When a user is very active (biking or jogging), the user may have very limited amount of time or attention to interact with a display interface. The movement or activity of the user may be detected by a motion detection device installed on the mobile device or on the wearable device. When the user is active, the display interface may adjust to enlarge the information to make it easier for the user to view, read, or interact with. The system may also select and display important information, without other peripheral information (less important information) when the user is active.

Abstract: Techniques are disclosed relating to monitoring network traffic of an embeddable browser displayed by an application executing on a mobile computing device. In some embodiments, a first layer of the application manipulates one or more user interface elements displayed in the embeddable browser. The first layer of the application then detects network requests made by one or more application programming interfaces (APIs) executed by the embeddable browser in response to the manipulating. In some embodiments, the first layer sends to a second layer of the application results of observing network requests. In some embodiments, the second layer of the application displays, in real-time, information corresponding to the results of observing network requests.

Abstract: A method includes: in response to a request from a human user to access account information, authenticating the human user via a graphical user interface (GUI); storing a result of authenticating the human user in a storage system; in response to authenticating the human user, directing the human user to a voice-based communication session; accessing the result of authenticating the human user from the storage system by the voice-based communication session; and providing access by the human user to the account information in the voice-based communication session based on the result of authenticating the human user.

Abstract: Systems and methods for a mixed deployment architecture are provided. A data center system may include a core compute grid system and a plurality of distributed compute grid systems. The core compute grid system may provide one or more non-distributable services for a payment service provider, such as a database service, and may include one or more isolated environment zones. Each distributed compute grid system provides one or more distributable services for the payment service provider, and each distributed compute grid system provides an identical set of distributable services. The data center system also includes a network coupling the core compute grid system and plurality of distributed compute grid systems. The plurality of distributed compute grid systems transmit queued writes generated by the distributable services to the database service provided by the core compute grid system.

Abstract: Methods and systems for using dispersed cached data stored in multiple database nodes for serving database access requests are described herein. Upon receiving a request for data from a requesting device, a first application server determines whether the requested data is stored in a local cache memory. If it is determined that the requested data is not stored in the local cache memory, without accessing a local, first database, the first application server determines that the requested data is stored in a cache memory of a second application server, wherein the second application server stores at least a portion of the data from a second database in its cache memory. The first application server retrieves the requested data from the cache memory of the second application server and provides the retrieved data to the requesting device.

Abstract: Systems and methods for interfacing with a third-party website. In one embodiment, a computer system is configured to directly interface with a website via a webpage to change certain numerical values through the use of digital codes. The digital codes are applied to a data entry interface on the webpage, and the responses are monitored and transmitted back to a server system.

Abstract: Systems and methods for providing a resource-based distributed public crypto currency blockchain include system provider device(s) that receive first crypto currency transaction information for a first crypto currency transaction that is configured to provide for the transfer of a crypto currency to a payee via a primary distributed public crypto currency blockchain maintained by computing devices. The system provider device(s) identify resource information provided by each computing device and use the resource information to select a subset of the computing devices for processing the first crypto currency transaction. The system provider device(s) then broadcast, via the network to each computing device, the first crypto currency transaction information for the first crypto currency transaction in order to cause a first computing device to process the first crypto currency transaction as part of a first block that is added to the primary distributed public crypto currency blockchain.

Abstract: There are provided systems and methods for multi-layer artificial intelligence models for progressive predictions during data pipeline management. A service provider may provide AI functionalities, such as through a multi-layer ML model framework that employs multiple layers for different ML models that process different features. The features in one layer and ML model may process data for static features, where an output from this layer may be used as an input with data for dynamic feature that provide a predictive score or output for the input data. The static features may only be required to be processed once or a few times in the first layer and may not be required to be further processed again at later times. With the second layer, the data for the dynamic features may change, and thus the second layer may process new data without being required to reprocess the static features.

Abstract: Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for employing the wireless or near field communication (“NFC”) functionality of mobile devices and payment terminals for use in payment, loyalty, and offer and coupon transactions.

Abstract: A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a request to complete a transaction associated with a merchant application. The request includes a data file including an identifier from the user device. The request is from a user device. The method also includes determining whether the data file includes a refresh token and determining whether the refresh token is valid if the data file includes the refresh token. The method further includes receiving an access token from the user device if the refresh token is valid. The access token includes an authorization scope. The method also includes determining whether the transaction is within the authorization scope. The method further includes authenticating a user if the transaction is within the authorization scope.

Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token, from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.

Abstract: Systems and methods are provided for an application platform with flexible permissioning.

Abstract: Techniques are disclosed relating to automatically resolving an error in a user interaction with a user page without the user having to disengage from the user page to resolve the error. A monitoring agent may interface with the user page. The monitoring agent may provide an error signal to an error resolution module in response to detecting an error in the user interaction with the user page. The error resolution module may determine a causal factor for the error based on the error signal and contextual data at the time of the error. A resolution flow may be determined based on the causal factor. The resolution flow may be implemented by the monitoring agent contextually within the user page to resolve the error without the user disengaging from the user page.

Abstract: A system includes a memory and a processor configured to execute computer instructions stored in the memory that when executed cause the system to perform operations. The operations include receiving transaction data associated with a transaction via a transaction component. The operations include incorporating at least a portion of the transaction data into a security process associated with challenge-response authentication of a data block for the transaction data. The data block includes cryptographic hash data for another data block in a blockchain associated with the data block. The operations include validating the data block associated with the blockchain based on the security process.

Abstract: There are provided systems and methods for a device manager to control data tracking with client devices. A device may implement a manager process or application that allows a user to set preferences and/or a schedule of rates for allowing other online service providers to track user data. This may include placement of device-side data, such as a cookie or pixel, or tracking of device data through an application. The manager process may detect when a website, online platform, application, or other entity attempts to track data on the device and may utilize the schedule of rates to request a payment from the tracking entity. If the entity agrees to the payment, the manager may allow the entity to begin tracking data. However, if the tracking entity does not agree to the payment, then the manager may prevent the tracking entity from collecting data from the device.

Abstract: There are provided systems and methods for a data integration framework that provides an institutional or organizational user data enrichment capability locally. Specifically, instead of relying on the fraud detection platform to constantly updating and/or building new data connectors to intake data from updated or a new data provider, an institutional user, such as a financial institution, may receive a software development kit (SDK) from the fraud detection platform, using which the institutional user may build its own data connector deployed at the institutional user.

Abstract: A system and method for digitally signing data. A method includes generating, by a first device, at least one first secret share based on a secret key chosen by the first device, wherein the first device is offline with respect to a second device; partially signing data by the first device using the at least one secret share, wherein the data is received from the second device without establishing direct communications between the first device and the second device; and sending the partially signed data from the first device to the second device, wherein the second device generates signed data using the partially signed data, wherein the signed data corresponds to a public key generated based on the at least one first secret share and at least one second secret share generated by the second device.