Abstract: The present disclosure describes identifying a type of mobile device, determining a location of a near-field communication (NFC) device (e.g., NFC reader) within a mobile device (e.g., a mobile phone) based on its type, creating a user interface displayed on the mobile device with a visual indication of a tap zone for the NFC device based on its location within the mobile device, and then displaying the user interface on a display screen.

Abstract: Methods and apparatus for authenticating a user by a service provider system are described. The method can include receiving, from a service of the service provider system, a user data captured at an initiation of an onboarding process for a user seeking access to the service. The method may also include retrieving an access configuration associated with the service, the access configuration defining one or more user data access requirements to enable the user to access the service. The method may then include determining whether the one or more user data access requirements of the access configuration are satisfied by the user data, and in response to determining that one or more user data access requirements are satisfied, enabling the user to access the service of the server provider system.

Abstract: A method and apparatus for hard deletion of user data are described. The method may include receiving a request from a user computer system to delete user data. The method may also include determining a unique user identifier associated by a system with a user making the request. The method may also include determining whether a data partition, in which data generated by a job or subsystem of the computer system is stored, is predicted to contain a record having the unique user identifier. Then, the method may include searching, when the data partition is predicted to contain a record having the unique user identifier, data records stored in the data partition for a user data record based on the unique identifier, and performing a hard deletion of the user data record from the partition when found during the searching.

Abstract: Described herein are systems and methods to use modeling techniques to identify gradual changes in various metrics identified as a result of analyzing an aggregated transaction dataset. In one method, a computer model dynamically slice the data using an attribute, calculates an entropy value for using a rolling time window, and uses the entropy value to identify anomalous behavior. The model may use information gain to determine whether to further segmented the data slice into smaller data slices. The model may iteratively slice and analyze the data until a data slice corresponding to the root cause is determined. The model may then traverse the hierarchy of data slices and combine the data slices until an optimized combined data slice. The model may train a machine learning component, such as a booted tree algorithm, to optimize its traversal of the hierarchy of data slices.

Abstract: Disclosed herein are methods and systems for multi-platform authentication of electronic devices. One method involves a processor monitoring data related to the execution of an initial authentication request for a user via a first electronic platform. Subsequently, the processor receives, via the first platform, a request to complete a second authentication request by a second electronic platform, which corresponds to a multi-factor authentication. Upon receiving a first factor authentication purportedly authenticating the identity of the user, the processor generates second factor authentication information based on the monitored data. A message containing both first and second factor authentication details is then generated and transmitted to the second electronic platform. Upon receiving a positive authentication result from the second electronic platform, confirming the user's identity authentication.

Abstract: A system for accepting the input of a PIN comprises a first device receiving a randomized PIN layout derived on a fourth device. The randomized PIN layout is displayed on a display of the first device. A second device comprises an input for accepting a series of key presses to produce a PIN token. The PIN token indicating each of the series of key presses. A third device is in communication with the second device. The third device derives the randomized PIN layout and receives the PIN token from the second device without the PIN token being present on the first device. The third device combines the PIN layout and the PIN token to produce a PIN. The PIN is used to authenticate a transaction. The fourth and third devices each store a shared secret used to independently derive the randomized PIN layout on the fourth and third devices.

Abstract: A computer using the systems and methods described herein can use a task agent to automatically select and manage different applications and agents to use to generate results in response to requests for information. The computer can iteratively execute the task agent to generate the results. For instance, the task agent can identify a set of applications to use to generate a result in response to an information request. The task agent can identify the set of applications based on an intent of the information request. The task agent can iteratively execute different sequences of applications from the set of applications to query and retrieve data from different data sources until determining the data that is necessary to generate a response to the request has been retrieved. The computer can generate the response from the retrieved data and present the response on a user interface.

Abstract: A user scans a payment card while setting up an account on a merchant's website, or while completing a check out to purchase an item or service for the first time. The subject system stores signals from the card scan (e.g., device ID, verified card, location, last time scanned and used, etc.). The next time a transaction is requested for the card at another merchant, the subject system can reference the last data it has on the card. If the transaction is being requested from the same device or a reasonably close physical location within a reasonable timeframe, the subject system can be highly confident that this is a legitimate transaction, without requiring the customer to scan their payment card again.

Abstract: In embodiments, methods and systems for implementing payment interface services using a payment platform are provided. Multiple payments types are integrated into the payment platform to support customer payments for merchants. The payment platform identifies payment types that are relevant to a customer based on receiving an indication to personalize payment types for the customer, and on customer data resources that are accessed. One or more relevant payment types are determined based on the information of the customer. The payment types for the customer are determined from a plurality of payment types supported via the payment platform that supports customer payment type personalization. A payment type from the one or more payment types relevant to the customer is automatically chosen or explicitly chosen by the customer, such that a corresponding payment type provider authenticates the customer in order to complete the transaction.

Abstract: Aspects of the subject technology include receiving from a user device a request for obtaining data associated with the user device. The request is addressed to a destination device. Aspects also include determining with a first controller whether to transmit the request to the destination device via a first path. The determination is based on a first success rate of the first path. Aspects also include transmitting the request to the destination device via the first path in response to a determination to transmit the request to the destination device via the first path. Aspects also include determining, with a second controller, whether to transmit the request to the destination device via a second path, in response to a determination not to transmit the request via the first path. The determination is based on a second success rate of the second path.

Abstract: Disclosed herein are systems and methods for detecting automated account generation requests. An example method includes receiving an application programming interface (API) request to generate a new user account. The method then includes executing a machine learning model to predict a likelihood of the API request having been generated automatically using one or more programming protocols. The machine learning model may be trained using historic requests known to have been generated using a machine or a programming/algorithm. When the machine learning model determines that the API request is likely to have been machine-made, the method includes executing an additional security protocol associated with the new user account.

Abstract: An embodiment may receive a transaction from an account associated with a user; associate a transfer group parameter with the transaction; create a set of transfers to a set of connected accounts using the transfer group parameter, a secret key, and a single-use token, the token associated with a first system and generated using information from the user, wherein the set of transfers is identifiable by the transfer group parameter and linked together for tracking a service associated with the transfer group parameter and the set of transfers; in response to a determination that the secret key is valid and is associated with a second system, execute the transaction using the single-use token and the secret key; and transmit a portion of the set of transfers to each account of the set of connected accounts to perform the service associated with the transfer group parameter and the set of transfers.

Abstract: A method and apparatus for performing economic nexus determination by a transaction processing system. The method may include accessing a plurality of transactions associated with a plurality of merchant systems processed by the transaction processing system over a period of time. The method may also include inferring a geographic location, from among a plurality of geographic locations, for each of the plurality of transactions based on one or more transaction parameters. Then, the method may include aggregating a total revenue per geographic location per merchant system based on the inference of geographic location determined from the one or more transaction parameters. For a merchant and for a geographic location for which said merchant has location based revenue within the geographic location, the method may include applying an economic nexus rule corresponding to the geographic location, and determining when the economic nexus rule corresponding to the geographic location is satisfied.

Abstract: This invention relates to systems and methods for authenticating transactions using a mobile device based primarily on the introduction of a layer of middleware and wherein the Payment Networks, Merchants, Issuing Banks, Credit Reporting Bureaus, Insurance Companies, Healthcare Providers may customize the implementation of the services based on individual strategy and consumer preferences.

Abstract: The present disclosure is directed to handling communication, including handoffs, between applications on a payment terminal. In some embodiments, a method comprises: receiving, by the first mobile application, a first request from a user to conduct a transaction via the first mobile application and transitioning control from the first mobile application to a second mobile application running on the mobile device to collect a payment for the transaction being processed by the first mobile application in response to receiving the first request to conduct a transaction. Subsequently, after processing the payment for the transaction, the method includes transitioning control back to the first mobile application from the second mobile application as part of sending an indication of results of processing the payment by the second mobile application.

Abstract: A method and apparatus for reconciling electronic transactions facilitated by a commerce platform are described. The method may include receiving, the commerce platform, requests from a merchant system to authorize a plurality of financial transactions. The method may also include transmitting an authorization to the merchant system authorizing the merchant system to perform the financial transaction. The authorization may include a unique transaction identification (ID) corresponding to the request. The method may also include receiving from the merchant system, for each transaction ID, an order number associated with the transaction ID. The method may also include generating a settlement file comprising the transaction IDs. Each transaction ID may be arranged in an order in the settlement file according to its associated order number. The method may also include transmitting the settlement file to the merchant device.

Abstract: A method and apparatus for performing search system upgrades is described. The method may include processing a software upgrade for a search system cluster distributed over one or more nodes, the one or more nodes comprising current search system data nodes. The method may also include allocating at least a set of one or more search system data nodes for the software upgrade including at least one upgraded search system data node. Furthermore, the method can include receiving, during the software upgrade, transaction data for a transaction, and receiving search requests to be executed by the search system cluster.

Abstract: A method and apparatus for conducting multi-factor authentication of a merchant system by a commerce platform are provided. The process includes the commerce platform authenticating itself to a cloud services provider, which supplies a private communications network for the platform and merchant system. The platform receives an authentication request from the merchant system originating from the provider's private network, using an encryption key. The validity of the encryption key is verified by the platform. If the request is from within the private network and the API key is valid, the platform authenticates the merchant system to perform the requested operation.

Abstract: A method and apparatus for a commerce platform providing proof of application ownership of a network distributable application are described. The method may include receiving a request to approve an application developed by a merchant system, wherein the application includes an application programming interface (API) component, a software development kit (SDK) component, or a combination thereof provided by the commerce platform to the merchant system. The method may also include generating a unique identifier (ID) for the application to be included as metadata within the application. Furthermore, the method may include obtaining, from an application information system, data describing the application, and extracting an ID from metadata in the data obtained by the application information system.

Abstract: A method and apparatus for providing a document-integrated software integration validation by a service provider system are described. The method includes detecting an application program interface (API) call generated by a user system in a test transaction, the API call comprising a test identifier (ID) and a user system ID, the test ID identifying an API integration test scenario and the user system ID identifying the user system. The method also includes tracking a sequence of API calls and responses. Furthermore, the method includes receiving login credentials from the user system. The method also includes verifying the received login credentials with previously established login credentials associated with the user system ID. Additionally, the method includes determining whether the sequence of API calls and responses is performed correctly for the test transaction and serving the interactive integration guide to the user system indicating a result for the API integration test scenario.