Abstract: A method is disclosed and includes executing an integrated application comprising an SDK (software development kit) on a user device with a processor. The method includes determining, by the SDK and the processor on the user device, an checksum for the integrated application, validating, by the SDK in the user device, the integrated application using the determined checksum, and responsive to validating the determined checksum, performing, by the integrated application on the user device, an action.

Abstract: A method is disclosed. The method includes receiving, by a processing network computer from a transport computer, a first clearing file comprising data for a plurality of transactions, and then determining, by the processing network computer, an authorizing entity associated with one or more transactions from the first clearing file. The method includes transmitting, by the processing network computer to an authorizing entity computer operated by the authorizing entity, a second clearing file including data for the one or more transactions, determining, by the processing network computer, that the one or more transactions include one or more anomaly transactions, and initiating, by the processing network computer, one or more transaction reversals with respect to the one or more anomaly transactions.

Abstract: Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.

Abstract: A method includes a client device receiving a verification request comprising an interaction identifier. The client device can then query a full node for a random sampling of block headers from the full node. The client device can receive the random sampling of block headers from the full node, and verify the random sampling of block headers. The client device can then determine that the blockchain maintained by the full node is valid after verifying the random sampling of block headers.

Abstract: Embodiments of the invention relate to systems and methods for efficiently provisioning mobile devices with personalization data. For some embodiments, a method is disclosed comprising receiving a request for provisioning comprising device information for a mobile device and user authentication information for a user, generating a partial personalization script, an activation script, and a deletion script using the device information, sending the partial personalization script, the activation script, and the deletion script to an application provider computer, wherein the application provider computer initiates execution of the partial personalization script on the mobile device, authenticating the user authentication information, and sending an activation message to the application provider computer, wherein the application provider computer initiates execution of the activation script.

Abstract: A method for providing a token code in conjunction with a value token is disclosed. The token code serves as a shared secret for authenticating the use of the value token. Multiple token holders can possess the same value token, but each token holder may have a different token code for use with the value token.

Abstract: A computer-implemented method includes, for each of a set of training dates: receiving, for each of a sequence of dates including the training date, an input data array representing values of a predetermined set of date-dependent features; receiving a target output corresponding to an evaluation of a predetermined metric at the training date; and performing an update routine including processing the input data array for each date using first layers of a neural network, processing a resulting intermediate data array using second layers of the neural network to generate a network output, and updating values of parameters of the neural network in in a direction of a negative gradient of an error between the target output and the network output. The data processing system is then arranged to generate an embedding array by processing an input data array for each of a given sequence of dates using the first layers of the neural network.

Abstract: Provided is a computer-implemented method for real-time automatic authorization of a payment transaction that is independent of an authorization input from a consumer. The method may include receiving first data associated with a consumer, generating a payment transaction classification model based on the first data associated with the consumer, receiving second data associated with the consumer, determining whether to process a payment transaction in real-time between the consumer and a merchant independent of an authorization input received from the consumer using the payment transaction classification model and the second data associated with the consumer, and processing a payment transaction between the consumer and the merchant based on determining to process the payment transaction in real-time between the consumer and the merchant.

Abstract: One or more surface features (e.g., capacitive buttons, fingerprint sensor) may be exposed on a surface of a card (e.g., chi payment card). The card may store multiple applications/accounts of a user. The card receives a selection of one of the accounts by the user placing a finger on or pressing on a surface feature associated with the selected account. The card provides credentials associated with the selected account to a terminal. The multi-application card may disable credentials associated with the remaining accounts thereby appearing as a single-application card to the terminal during a transaction.

Abstract: This disclosure relates to a computer-implemented method for enabling a transaction bypass for a user-requested block on a merchant. The method involves receiving an authorization request message from a merchant, determining if the merchant is subject to an active block instruction, and verifying customer authentication information. If the authentication information is present and the merchant matches a block instruction, a transaction bypass message is generated and sent to the issuer. Based on the issuer's response, the active block may be removed or maintained. The method also allows for sending authentication data to the issuer for verification, and periodically receiving authorization requests from the merchant. Additional features include managing an authentication security threshold and sending status notifications to the merchant. The invention ensures secure transaction processing, providing flexible handling of user-requested merchant blocks based on customer authentication and issuer approval.

Abstract: A method includes receiving, by aggregator platform computer from a user device of first user, remittance message including at least a service amount for service rendered by second user to the first user; identifying, by the aggregator platform computer, that the remittance message includes an additional amount that accompanies the service amount; upon identifying that the remittance message includes the additional amount, forwarding, by the aggregator platform computer to a plug-in computer, the remittance message including the service amount and the additional amount; identifying, by the plug-in computer in the remittance message, the service amount and the additional amount; and separating, by the plug-in computer, the service amount from the additional amount. The plug-in computer facilitates transfer of the additional amount from an account of the first user to an account of the second user and sends, to the aggregator platform computer, a service remittance message including the service amount.

Abstract: Embodiments of the present invention are directed to methods and systems for managing a cryptocurrency payment network comprising one or more issuer nodes and one or more distributor nodes. Issuer nodes may be granted different rights from distributor nodes with respect to the issuance and distribution of digital currency within the cryptocurrency payment network. A management system server computer may generate unique node verification key pairs for each node in the cryptocurrency payment network, where the node verification key pairs may be used to identify and authenticate issuer nodes and distributor nodes.

Abstract: A method is disclosed. The method includes receiving, by a processing network computer from a relying party computer associated with a relying party, a request for data associated with a user operating a user device. The processing network computer may retrieve first encrypted data of the user having a user-layer of encryption. The processing computer can then generate a second symmetric key to add a relying party-layer of encryption to the first encrypted data using a stream cipher. The doubly encrypted data may be transmitted to a user device that removes the user-layer of encryption on the first doubly encrypted data, and then adds a second relying party-layer of encryption to form second doubly encrypted data. The second doubly encrypted data may be transmitted to the relying party computer, which can remove both relying party-layers of encryption to gain access to the data associated with the user.

Abstract: The present embodiments relate to integrated provisioning of a user device to a storage application using a provisioning software development kit (SDK) on a mobile device. A provisioning SDK can receive an encrypted credential and a storage application identifier from a first application on a mobile device and provide the encrypted credential to a processing computer. The processing computer can decrypt the encrypted credential using a first application cryptographic key to obtain the credential and encrypt the credential with the second application cryptographic key. The provisioning SDK can forward the encrypted credential to a storage application server to decrypt the credential encrypted with another second application cryptographic key of the second application key pair. The storage application server can then store the credential or a token associated with the credential and/or transmit the credential or the token associated with the credential to the second application.

Abstract: A method for testing an interaction system response to different types of interaction devices is disclosed. A testing computer can execute various sets of interaction device logic during different test interaction. The testing computer can electronically communicate with an access device during test interaction through a conduit mobile device. As a result, the testing computer can electronically communicate with the access device even when the testing computer is remotely located.

Abstract: Provided are computer-implemented methods for authenticating a mobile device based on a real-time mobile device application profile which may include generating, with a mobile device application on a mobile device, a real-time mobile device application profile associated with the mobile device, receiving the mobile device application profile by the mobile device; and determining whether there is an anomaly between the real-time mobile device application profile and a historical mobile device application profile associated with the mobile device. The methods may also include performing a remedial action associated with a transaction based on determining that there is an anomaly between the real-time mobile device application profile and the historical mobile device application profile. Systems and computer program products are also provided.

Abstract: A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.

Abstract: A delegated biometric authentication system and related methods are disclosed. Using the system, a user can securely delegate biometric authentication to a public device from his communication device. This public device may be an Internet of things device that is not owned by the user, such as a computer, smart TV, tablet, etc. The public device may operate in a public place, such as a hotel or library. The communication device may be the users own smartphone or tablet, etc. A fuzzy vault process can be used to store the user's biometric template in the system Embodiments preserver the user's privacy without compromising authentication security and user convenience.

Abstract: A method is disclosed. The method includes receiving, by a token service computer, a detokenization request message comprising a first token from a network processing computer, and then determining a first credential that is stored in association with the first token in a database. The method includes determining a user identifier that is stored in association with the first credential in the database, determining that a second credential is stored in association with the user identifier, generating a detokenization response message comprising the second credential, and providing the detokenization response message to the network processing computer.

Abstract: A method including: capturing or receiving data associated with behavior of a user of a virtual reality device during a session in a virtual environment, wherein the data includes sensory inputs associated with the user from one or more sensors and information associated with user parameters; initiating authentication of the user in the virtual environment; comparing the captured or received data with historic data of the user, wherein the historic data is associated with behavior of the user monitored for a plurality of sessions over a period of time in the virtual environment; determining a score based on the comparison; comparing the score with a predefined threshold score; and in response to determining that the score is above the predefined threshold score, authenticating the user.