Abstract: A method is disclosed and includes receiving, by a record server computer from a first processing network computer, a token, a device identifier associated with a user device, a session identifier associated with a registration request, and metadata about the token, and then receiving a metadata request from a second processing network computer in response to the second processing network computer receiving an authorization request message comprising the token, and the device identifier and/or the session identifier. The metadata request comprises at least the device identifier and/or the session identifier. The method also includes retrieving, by the record server computer, metadata associated with the metadata request, and providing the metadata to the second processing network computer. The second processing network computer processes the authorization request message using the token and the metadata.

Abstract: Disclosed are non-limiting methods for authenticating devices, including receiving a request for a device authentication identifier, transmitting a device authentication request message via a frame embedded in a webpage of a merchant website, the device authentication request message including challenge data associated with a challenge, receiving a device authentication response message via the frame embedded in the webpage of the merchant website based on the device authentication request message, the device authentication response message including challenge response data associated with a challenge response, transmitting the device authentication identifier message based on the device authentication response message, receiving a transaction request message for a transaction, including the device authentication identifier and transaction data associated with the transaction, determining the device score based on the device authentication identifier, and generating an authorization request message based on t

Abstract: A method includes generating, by a user device, an initial authorization request message for an interaction to obtain a resource from a resource provider. The user device transmits the initial authorization request message to a first node in a proxy network, wherein the first node processes the initial authorization request message and transmits a routing message to a second node in the proxy network based on the processing of the initial authorization request message, the second node being previously associated with the resource provider. The user device then receives from the second node and stores a pre-authorization approval indicator (PAAI). Upon delivery of the resource by an agent of the resource provider, the user device transmits an authorization request message including the pre-authorization approval indicator, wherein the agent device further processes and transmits the authorization request message to the proxy network for authorization by an authorizing entity.

Abstract: A method is disclosed for enabling transaction reversal processes without utilizing sensitive information. Instead of being identified by sensitive information, the transaction associated with a reversal can be identified by a transaction identifier that is generated by a resource provider.

Abstract: An expedited payment service may be accessed through a browser extension. As an extension operates in a manner in which it has access to the underlying merchant data, the extension may allow an expedited payment service to work with virtually any merchant web site to complete payment transactions.

Abstract: A computer-implemented method for providing merchant recommendations comprises receiving, by a processor, raw merchant embeddings generated from payment transaction records, wherein the raw merchant embeddings include a plurality of embedded features entangled in an embedding space. The processor uses transaction metadata associated with the payment transaction records to determine a subspace of an identified feature within the embedding space. A linear transformation process then removes the subspace of the identified feature from the embedding space to create modified merchant embeddings that are merged and aligned with other ones of the plurality of features within the embedding space. The processor automatically generates a list of merchant rankings based on the modified merchant embeddings, past preferences of a target user using raw user embeddings, and a target region, and provides the list of merchant rankings to the target user.

Abstract: A method for authentication using location correlation is disclosed. The method includes determining geographic zones and zone identifiers associated with a location of a mobile communication device. Later, transaction data is received and a zone identifier is determined from that transaction data. If the zone identifier matches one of the previously determined zone identifiers, then a match indicator is sent to an authorizing entity computer system or the transaction may be allowed to proceed.

Abstract: A method includes a server computer receiving a cryptogram request message comprising a token associated with a first credential during an interaction between a user of a user device and a resource provider of a resource provider application on the user device. The server computer generates a detokenization request message comprising the token. The server computer then provides the detokenization request message to a token service computer. The server computer receives a detokenization response message comprising a second credential from the token service computer. The server computer obtains a cryptogram for the interaction. The server computer generates a cryptogram response message comprising the second credential and the cryptogram, and then provides it in response to the cryptogram request message.

Abstract: Provided are a system, method, and computer program product for patient authentication and identity risk assessment. The method includes receiving an initial patient authorization request from a medical provider computing device. The initial patient authorization request includes a patient identifier communicated by a mobile device of a user to the medical provider computing device. The method also includes generating, using an identification risk assessment model and based at least partly on the initial patient authorization request, an authenticity score. The method further includes communicating the authenticity score to an insurance provider system to cause the insurance provider system to approve or decline the initial patient authorization request. The method further includes receiving a primary insurance provider response from the insurance provider system and communicating at least a portion of the primary insurance provider response to the medical provider computing device.

Abstract: Embodiments of the invention enable a distributed ledger system including a network of entities that maintain an electronic ledger that can keep track of information related to events performed by various entities in the network. An operating entity may manage access to the distributed ledger system and may allow certain authorities and users to onboard with the distributed ledger system. A user device may generate a request to include data in the electronic ledger. The user device may generate a cryptogram and send the cryptogram with the request to a reader device, which may initiate a verification process to verify the cryptogram. If the cryptogram is verified, the data from the user device may be sent to one or more authorities so that it can be included in the electronic ledger.

Abstract: A system and method are provided which include receiving, by a server computer from a trusted entity computer, user data corresponding to a user. Based on the user data, the server computer determines a set of assertions for the user. The server computer receives, from a relying entity, an assertion request for the user. Responsive to the assertion request, the server computer provides, to the relying entity, an assertion, of the set of assertions. The relying entity thereby grants the user a particular type of account based on the assertion.

Abstract: In some embodiments, a first server computer may be provided. The first server computer may comprise a processor and a computer readable medium coupled to the processor. The computer readable medium may include code executable by the processor for implementing a method. The method may include the step of electronically receiving an authorization request message that includes a first device verification value from a merchant for a first transaction, where the first device verification value may have been received by the merchant from a mobile device based on an interaction between the mobile device and an access device. In some embodiments, the mobile device may have received the first verification value based on a first request. The method may further include the step of determining by a data processor if the first device verification value corresponds to a stored device verification value.

Abstract: Systems and methods for transferring value. A method includes posting, by a user device to a blockchain, a deposit transaction comprising a deposit value and conditions and updating, by the user device, a state according to a transaction amount. The method also includes transmitting, by the user device, a state update of the state to a server computer and responsive to transmitting the state update, and receiving, by the user device, a payment complete message comprising a tuple from the server computer. The method also includes verifying, by the user device, the conditions and processing, by the user device, a server deposit transaction on the blockchain in response to verifying.

Abstract: According to one embodiment of the invention, a subtoken corresponding to a primary token is generated. The primary token corresponds to a credential. The credential may be, for example, a primary account number (PAN) corresponding to a payment account. The subtoken may be a temporary, one-time use subtoken based on a primary token associated with the credential that allows a user to conduct a transaction from his or her account, while still providing security for the user's sensitive data. The subtoken may contain a header and an obfuscated portion. The header of the subtoken routes the subtoken to the entity issuing the subtoken for translation into the primary token. The obfuscated portion acts as a pointer to the primary token and data associated with the primary token. A same check digit may be included in the subtoken, the primary token, and the credential, in order to ensure that the transaction is not improperly denied.

Abstract: A method, system, and computer program product is provided for embedding compression and reconstruction. The method includes receiving embedding vector data comprising a plurality of embedding vectors. A beta-variational autoencoder is trained based on the embedding vector data and a loss equation. The method includes determining a respective entropy of a respective mean and a respective variance of each respective dimension of a plurality of dimensions. A first subset of the plurality of dimensions is determined based on the respective entropy of the respective mean and the respective variance for each respective dimension of the plurality of dimensions. A second subset of the plurality of dimensions is discarded based on the respective entropy of the respective mean and the respective variance for each respective dimension of the plurality of dimensions. The method includes generating a compressed representation of the embedding vector data based on the first subset of dimensions.

Abstract: Described herein are systems and methods for virtualizing policy enforcement amongst participants of an overlay network. In some embodiments, each of the participants may maintain a separate blockchain network. The overlay network may receive smart contracts or other policy documents that include information on interactions with a particular participant or between participants. A controller, which may be implemented on any node of the overlay network, may then extract an interaction algorithm from that smart contract that may be stored in policy data to be used in completing transactions between two participants of the overlay network. In some embodiments, the policy data may include cost data which may be used to determine how two entities may interact.

Abstract: The present disclosure relates to an offer redemption method and system. The offer redemption method includes receiving a user interactive value corresponding to a user interaction level with an external game device; receiving a transaction amount corresponding to a transaction amount made by a user with a merchant; determining an offer value corresponding to the user interaction value, transmitting an authorization request message for receiving authorization response from an authorizing entity, receiving an authorization response for the transmitted authorization request message; and displaying the authorization response and an offer redemption status on a display module of the access device.

Abstract: Provided is a method and computer program product for ranking and selecting triggers. The method includes displaying a user interface to a marketer user, determining a predicted effectiveness for each trigger of a set of triggers associated with at least one offer based at least partially on a likelihood of a plurality of users performing transactions satisfying conditions associated with each trigger of the set of triggers, generating a ranked set of triggers by ranking each trigger of the set of triggers according to the predicted effectiveness of each respective trigger of the set of triggers, displaying the ranked set of triggers for the selection of at least one trigger, and in response to the selection of the at least one trigger by the marketer user from the user interface, generating at least one trigger record from the at least one trigger.

Abstract: A merchant website includes a QR code button to initiate a payment transaction. The QR code button is selected by a consumer at checkout. If selected, a QR code is generated on a second computing device. The QR code is displayed on a second computing device and contains embedded data such as a token for a PAN stored in a memory of the second computing device and two cryptograms. A webcam in communication with the first computing device is used to scan the QR code. The data embedded in the QR code is passed from the second computing device to the merchant website via the first computing device and used to complete the payment transaction.

Abstract: Systems, methods, and computer program products are provided for efficiently storing multi-threaded log data. A method includes receiving multi-threaded log data comprising logs, markers, and thread identifiers. For each respective log, the respective thread identifier is set as a most recently used item in a thread reference cache. A respective log cache in a map data structure is determined based on the respective thread identifier. The respective log is added to the respective log cache. Whether to communicate the respective log and/or the respective log cache to a first repository is determined based on the respective marker. The respective log is communicated to a second repository. Whether to remove an oldest log from the log cache is determined based on a log cache size limit and/or a time limit. Whether to remove a least recently used log cache is determined based on at least one map data structure size limit.