Abstract: A computer-implemented system for streamlining encryption payload of a card transaction from a transaction code transaction via a merchant inside a restricted computer network firewall. A wallet application stores data of a payment device, and the wallet application retrieves information of a merchant and a transaction via a transaction code. In response to the retrieved information, the wallet application generates an encrypted payload. The wallet application transmits the encrypted payload to a payment facilitator within the restricted computer network firewall. After decryption of the encrypted payload, the payment facilitator transmits a decrypted payload in one payment packet to the payment processing server outside the restricted computer network firewall.

Abstract: Techniques for identifying a fraudulent interaction of a user device using time based risk features are described herein. In embodiments, time stamp information provided by an external clock and time units may be maintained by a user device. The user device may include an authentication component that is communicatively coupled to a clock component that generates the time units. In response to conducting an interaction with an access device and user device first time information may be received from the access device. Second time information may be determined based at least in part on the time units from the clock component and the time stamp information. The second time information may be compared to the first time information. An authentication plan for the interaction may be determined based at least in part on the comparison of the second time information to the first time information.

Abstract: Provided is a system that includes at least one processor programmed or configured to provision a client device for access to an online source of information, transmit a private encryption key of a public/private encryption key pair to a software agent of the client device, receive a first hash value from the software agent, wherein the first hash value is generated using the private encryption key, receive a second hash value from the software agent, determine whether to allow access to the online source of information by the software agent based on the first hash value and the second hash value received from the software agent, process a request to access the online source of information involving the software agent, and store a data record associated with a data transaction involving the online source of information in a data structure. Methods and computer program products are also provided.

Abstract: Expedited E-Commerce Tokenization alleviates the above mentioned concerns associated with cards for merchants as well as PSPs using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.

Abstract: Methods and systems for performing on demand access transactions are disclosed. In one example, the method includes receiving, by a directory service computer from an authorizing computer, a file including a primary access identifiers and virtual access identifiers, the virtual access identifiers not being capable of being used at resource providers to conduct transactions. The method also includes receiving a request to provide an access token that is associated with an account, the request comprising information that identifies the account. The method further includes retrieving a virtual access identifier based on the identifying information; and requesting, by the directory service computer to a token service computer, that the access token be provisioned on the user device or an application computer associated with an application on the user device.

Abstract: One embodiment of the invention is directed to a method comprising, establishing, by a wallet server computer, a single sign-on link between a user bank account and a wallet application. The method further comprises receiving a transaction request message from a user, wherein the transaction request is for a transaction between the user and a merchant associated with the wallet application. The method further comprises sending sign-on data to an issuer computer using a secure authentication protocol and receiving a confirmation message from the issuer computer confirms initiation through the issuer application. The transaction is processed by the wallet server computer based on the confirmation message.

Abstract: A technique for enabling non-native accounts to be processed by a processing system may include receiving an account identifier scheme that is used by a third-party entity to provide access to accounts associated with the third-party entity, and assigning an entity identifier to the third-party entity in which the entity identifier conforms to a native format used by the processing system. An application programming interface can be modified to recognize account identifiers of the third-party entity. A transaction request can be received to execute a transaction in which the transaction request includes a resource provider identifier of the third-party entity and an account identifier of an account of the third-party entity. The entity identifier assigned to the third-party entity can be determined using the modified application programming interface, and the transaction can be processed using the entity identifier assigned to the third-party entity.

Abstract: A method includes extracting, by an analysis computer, a plurality of first datasets from a plurality of graph snapshots using a structural self-attention module. The analysis computer can then extract at least a second dataset from the plurality of first datasets using a temporal self-attention module across the plurality of graph snapshots. The analysis computer can then perform graph context prediction with at least the second dataset.

Abstract: A method includes receiving a first encrypted first identity attribute. A first doubly encrypted first identity attribute is formed by encrypting the first encrypted first identity attribute. A second doubly encrypted first identity attribute is formed by encrypting the first encrypted first identity attribute. They are transmitted to a user device, which removes a user layer of encryption on each to form a second encrypted first identity attribute and a third encrypted first identity attribute. Layers of encryption are added to the second encrypted first identity attribute to form a third doubly encrypted first identity attribute and the third encrypted first identity attribute to form a fourth doubly encrypted first identity attribute. The server computer receives them and transmits, to the second identity provider computer, the fourth doubly encrypted first identity attribute. The second identity provider computer obtains a first identity attribute and compares it to a second identity attribute.

Abstract: A method and system for migrating a payment instrument portfolio. A payment network computer receives a payment instrument portfolio conversion request message from an issuer computer to convert a payment instrument portfolio from a prior payment instrument scheme to a new payment instrument portfolio based on a new payment instrument scheme. The request message includes information about existing payment instrument references from the prior payment instrument scheme. The payment network computer creates enrollments based on the information about the existing payment instrument references and sends a portfolio migration event notification message to a payment instrument requestor partner computer associated with a payment network payment instrument requestor identifier subscribed to a new event type for the payment instrument portfolio migration.

Abstract: Methods and systems for using a mobile device as a point-of-sale (POS) terminal provisioned by a resource provider are provided. A server computer can transmit, to a resource provider computer, a set of platform-specific scripts to be incorporated into a resource provider application provisioned on a user device. The server computer can register each instance of the resource provider application provisioned on any user device as an access terminal associated with the resource provider computer. The server computer can receive, directly from an instance of the resource provider application on a user device, a processing request message to perform a transaction. The server computer can obtain an authorization decision on behalf of the resource provider computer and transmit the authorization decision to the user device and the resource provider computer.

Abstract: A method is disclosed. The method includes receiving, by a user device from the access device, a routing path list comprising a first set of network nodes. After receiving the routing path list, the user device determines a routing options list comprising a second set of network nodes based on the first set of network nodes in the routing path list. The method also includes obtaining an encrypted credential or token, and transmitting, by the user device to the access device, the routing options list, and the encrypted credential or token to the access device. The access device transmits an authorization request message comprising the encrypted credential or token, and the routing options list to a server computer via at least some of the network nodes in the second set of network nodes. The server computer may be an authorizing entity computer.

Abstract: A method includes a server computer receiving, from a first data provider computer, encrypted data derived from first identity data and a cryptographic key or derivative thereof stored at the first data provider computer. The server computer transmits, to a second data provider computer, the encrypted data and/or the cryptographic key or derivative thereof. The server computer receives, from the second data provider computer, intermediate data derived from second identity data stored at the second data provider computer. The server computer determines if the first identity data and the second identity data are duplicates while the first identity data and the second identity data are encrypted. The server computer removes one of encrypted first identity data, derived from the first identity data, and encrypted second identity data, derived from the second identity data, from a memory in the server computer.

Abstract: A method is configured to perform a continuous software testing. A processor receives, from a code developer computer, a request to commit a code portion for a microservice to a code repository including a source code for a plurality of microservices. The processor executes, using the source code into which the code portion is incorporated, a test transaction routine including tests respectively associated with the plurality of microservices. The processor determines if an error occurred in response to the executing the test transaction routine. If no error occurred, the code portion is committed to the code repository, and, if an error occurred, the code portion is not committed to the code repository.

Abstract: The present disclosure provides various devices, systems, and methods that can improve and/or optimize the computing resource utilization of database servers. For example, according to one aspect, the present disclosure provides a method that includes intercepting queries submitted for execution by a database server and applying a set of object values for each of the queries to a prediction model to predict success or failure of the execution of each of the queries. The method can further include preventing the execution of the queries that are predicted to fail and forwarding the queries that are predicted to succeed to the database server for execution.

Abstract: A pay-per-view system and method are disclosed. A token management server computer receives an account credential from a content creator and sends a content creator token reference to a content delivery network. A content license server computer receives a request for a content license key from a content player. The request includes the content creator token reference and a content player token reference. The content license server computer validates the content creator token reference, validates the content player token reference, receives a token validation response from the token management server computer, creates a time bound license for content created by the content creator, and sends the content license key to the content player.

Abstract: The method includes receiving a broadcast signal from a beacon device, the broadcast signal encoding a first credential associated with a first entity. In response to receipt of the broadcast signal, the mobile communication device transmits the received first credential to an authentication system. The authentication system determines if the first entity associated with the broadcast signal is authentic and generates a confirmation message confirming the authenticity of the first entity. The mobile communication device then receives the confirmation message indicating that the first entity is authentic. The mobile communication thereafter receives and transmits a second credential for the mobile communication device to the beacon device, which transmits the second credential to the authentication system. The authentication system then confirms the authenticity of the mobile communication device. Then, the beacon device can initiate an interaction process with the user of the mobile communication device.

Abstract: Systems and methods for automated transaction control and verification for e-commerce platforms, the method comprising receiving, by a control server, data elements of an e-commerce transaction, wherein each data element of the data elements is of a data element-type of a plurality of data element-types; inputting, by the control server, the data elements in a multi-layer identity verification module; generating, by the multi-layer identity verification module, based on the data elements, a verification score for an identity variable of at least one layer of the multi-layer identity verification module, wherein the identity variable is comprised of at least one of the plurality of data element-types; and directing an e-commerce merchant system to apply a transaction outcome action based on implementation of transaction rules set by the e-commerce merchant system that are based on the verification score.

Abstract: Provided is a computer-implemented method, system, and computer program product for automatic selection of tests for software system regression testing using machine learning including generating a test mapping including at least one test of a plurality of tests corresponding to a source file. The plurality of tests and the at least one source file are associated with a software repository. Further, determining a defective score for the at least one test based on historical test data of the at least one test, receiving a component criticality score and a defect definition corresponding to the source file, generating a key value corresponding to at least one test based on the defective score, component criticality score, and defect definition, determining a subset of tests of the plurality of tests based on the key value corresponding to the at least one test; and executing the subset of tests with the software repository.

Abstract: Provided are methods, systems, and computer program products for verifying a card image file. A system may include at least one processor programmed or configured to parse a card image file to determine card data represented by the card image file, generate a plurality of simulated payment transactions based on the card data, each simulated payment transaction including simulated transaction data, issue a plurality of commands to the payment device emulator, the plurality of commands based on the simulated transaction data for the plurality of simulated payment transactions, receive a plurality of command responses generated by the payment device emulator based on the plurality of commands, and verify the card image file based on the plurality of command responses and the card data.