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: 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 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: 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: 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: A plurality of wireless charging systems may be employed within a network at a venue or other physical area to precisely locate a battery-operated node of the network. The location of the node may then be used to manage a transaction between that node and another node within the network when the transaction is associated with that precise location.

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: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.

Abstract: A method includes an access device determining an interaction value associated with an interaction. The access device prompts a user operating a user device for a secret. The access device receives the secret. The access device receives an initial communication then a user device certificate comprising a public key from the user device. The access device then verifies the certificate. The access device concatenates at least the secret and an unpredictable number to form a concatenated value. The access device encrypts the concatenated value with the public key, then transmits the encrypted concatenated value. The user device decrypts the encrypted concatenated value with a private key, verifies the unpredictable number, verifies the secret, determines whether or not the interaction is approved, produces an interaction authorization result, and then provides the interaction authorization result to the contactless access device. The access device receives the interaction authorization result.

Abstract: Described are a system and computer program product for secure n-party computation. The system includes a computing device programmed or configured to communicate an input to a trusted execution environment (TEE), and receive a first encrypted output. The computing device is also programmed or configured to post the first encrypted output on a blockchain and receive a first proof of publication. The computing device is further programmed or configured to communicate the first proof of publication to the TEE and receive the first function output of the n-party computation. The computing device is further programmed or configured to communicate a witness to the TEE and receive a second encrypted output. The computing device is further programmed or configured to post the second encrypted output on the blockchain, receive a second proof of publication, communicate the second proof of publication to the TEE, and receive the second function output.

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.

Abstract: Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. The image can be obtained using image capture technology on the user's mobile device. Users can perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.

Abstract: A user device generates an initiate interaction request message comprising a state commitment. The user device provides the initiate interaction request message to a first server computer, which creates a verify state request message comprising an interaction index, an interaction index commitment, and a first commitment signature formed from the state commitment and the interaction index commitment. The user device receives the verify state request message, then generates a modified verify state request message comprising a user device public key, the state commitment, the interaction index commitment, and the first commitment signature. The user device provides the modified verify state request message to a second server computer. The second server computer verifies the state commitment, verifies the first commitment signature, and creates a second commitment signature formed from the state commitment and the interaction index commitment.

Abstract: A method is disclosed. It includes receiving, by a clearing system comprising an artificial intelligence model, a clearing file comprising a plurality of clearing records. It also includes inputting the clearing records into the artificial intelligence model, and then determining, by the artificial intelligence model, predictions relating to the clearing records. It also includes providing the predictions to an authorizing entity computer. The authorizing entity computer performs actions based on the predictions.

Abstract: Embodiments of the invention are directed to a method for reducing a computational burden of a blockchain provider. A data processing computer may facilitate an exchange of a data transfer message between respective applications of a first and second device. The data processing computer may maintain an electronic record according to the exchange. A net transfer value may be determined for the record and data comprising the net transfer value may be transmitted to a blockchain provider. Receipt of the data by the blockchain provider may cause the blockchain provider to update a ledger with the net transfer value.

Abstract: Provided is a system for analyzing features associated with entities using an embedding tree, the system including at least one processor programmed or configured to receive a dataset associated with a plurality of entities, wherein the dataset comprises a plurality of data instances for a plurality of entities. The processor may be programmed or configured to generate at least two embeddings based on the dataset and determine split criteria for partitioning an embedding space of at least one embedding tree associated with the dataset based on feature data associated with an entity and embedding data associated with the at least two embeddings. The processor may be programmed or configured to generate at least one embedding tree having a plurality of nodes based on the split criteria. Methods and computer program products are also provided.

Abstract: Methods and systems for performing efficient integration tests on mobile device for contactless data transfers are described. Rather than performing contactless communications with a variety of test user devices (e.g., test smart cards), which may be time consuming and may present physical difficulty, a mobile device can simulate the result of these communications using a simulator application operating on the mobile device. A contactless communication application, also operating on the mobile device, can communicate with the simulator application in order to generate interaction payloads based on stored data records corresponding to the test user devices. These interaction payloads can then be transmitted by the mobile device to a processing computer. Later, the mobile device may receive a response from the processing computer or another computer system, indicating if the interaction payloads were successfully received and interpreted. This in turn may indicate if the integration test was successful.

Abstract: A method includes generating a media object; associating the media object with a trigger action; monitoring user activity of a user to detect an occurrence of the trigger action by the user; in response to detection of the occurrence of the trigger action by the user, modifying the media object to generate a modified media object; minting the modified media object as a non-fungible token (NFT) on a blockchain network; associating a dynamic value with the NFT, the dynamic value configured to change as a function of at least time according to an algorithm; providing the NFT to the user; in response to the user initiating redemption of the NFT in connection with an electronic payment transaction having a transaction amount, determining the dynamic value of the NFT based on the algorithm; and processing the electronic payment transaction by applying the dynamic value to the transaction amount.

Abstract: A method, system, and computer program product generate, with a payment network, a first value (a) and a second value (ga), the second value (ga) based on the first value (a) and a generator value (g); generate, with the payment network, a plurality of random merchant numbers (mi) for a respective plurality of merchant banks; determine, with the payment network, a merchant product (M) based on a product of the plurality of random merchant numbers (mi); generate, with the payment network, a public key (pki) based on the second value (ga), the merchant product (M), and the random merchant number (mi) and a random key (rki) based on the merchant product (M) and the random merchant number (mi) for each respective merchant bank; and communicate, with the payment network, the public key (pki) and the random key (rki) to at least one respective merchant bank.

Abstract: Provided is a computer-implemented method for monitoring and improving data quality of transaction data that may include receiving transaction data associated with a plurality of payment transactions from an acquirer system. The transaction data may include a transaction record associated with each payment transaction of the plurality of payment transactions. Each transaction record may include a plurality of data fields. Each respective data field of the plurality of data fields may be categorized into a respective type of a plurality of types. A data quality score for each respective data field of the plurality of data fields may be determined based on the respective type of the respective data field. A system and computer program product are also provided.