Abstract: Embodiments of the invention are directed to systems, method, and devices for detecting failures in distributed systems. A failure detection platform may identify anomalies in time series data, the time series data corresponding to historical network messages. The anomalies can be labeled and used to train a first predictive model. At least one other model may be trained using the time series data, the anomaly labels and a supervised machine-learning algorithm. A third model can be trained to identify a system failure based at least in part on the outputs provided by the first and the second model. The third model, once trained, can be utilized to predict a future system failure.

Abstract: A service uses a system of servers and specialized interfaces to facilitate transfer of value from a gift card to an open loop card of a user. The service may support user-facing interfaces that interact with customers. The service may also support an API-based interface with a gift card processor to obtain gift card value, effect the value transfer, and confirm that the gift card value has been depleted. The service may also include a programmatic interface to various transaction processor services such as associating the transferred value with a personal account number of the user, a merchant associated with the original gift card, transaction monitoring, and messaging services that provide status information to the user.

Abstract: Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a PIN to a payment processing network server computer. The payment processing network server computer may then determine which of a plurality of authentication processes to initiate.

Abstract: Described are a system and method for dynamic promotional offers during user interaction at an automated teller machine (ATM). The method includes receiving, at the ATM, a transaction request based on an account identifier associated with an account of a user. The method also includes determining, based on the account identifier, that the account of the user was issued by an issuer that is different than an acquirer associated with the ATM. The method further includes, in response to determining that the account was issued by the issuer, generating, with at least one processor, an authorization request message based on the transaction request and the account identifier. The method further includes receiving an authorization response message comprising embedded user profile data and generating, on a display of the ATM, at least one offer based on the embedded user profile data.

Abstract: Described are a method, system, and computer program product for operating dynamic shadow testing environments for machine-learning models. The method includes generating a shadow testing environment operating at least two transaction services. The method also includes receiving a plurality of transaction authorization requests. The method further includes determining a first percentage associated with a first testing policy of the first transaction service and a second percentage associated with a second testing policy of the second transaction service. The method further includes replicating in the shadow testing environment, in real-time with processing the payment transactions, a first portion of the plurality of transaction authorization requests and a second portion of the plurality of transaction authorization requests.

Abstract: Embodiments provide methods and systems for upgrading an authorization request message in a dual message system format to an upgraded authorization request message in a single message system format without requiring any modifications to existing systems of acquirers and issuers. A transaction processing network computer may upgrade an authorization request message based on a score assigned to the transaction using a machine learning algorithm. The score indicates a likelihood that a final value of the transaction when finalized is same as an initial value of the transaction. If the score is above predetermined threshold, the transaction processing network computer upgrades the authorization request message to a single message system format.

Abstract: Techniques for managing an application token may include providing, by a first service provider application on a communication device to a first service provider computer, a first request for a first application token, receiving, by an account management application on the communication device from a token service computer in communication with the first service provider computer, the first application token, and storing the first application token in a token container in the account management application.

Abstract: Described are a system, method, and computer program product for dynamic node classification in temporal-based machine learning classification models. The method includes receiving graph data of a discrete time dynamic graph including graph snapshots, and node classifications associated with all nodes in the discrete time dynamic graph. The method includes converting the discrete time dynamic graph to a time-augmented spatio-temporal graph and generating an adjacency matrix based on a temporal walk of the time-augmented spatio-temporal graph. The method includes generating an adaptive information transition matrix based on the adjacency matrix and determining feature vectors based on the nodes and the node attribute matrix of each graph snapshot.

Abstract: A method includes establishing, with a second computer, a first interaction channel with a first initial value associated with the first computer and a second initial value associated with the second computer, and recording them on a blockchain. The method includes conducting with the second computer, a plurality of interactions without recording the interactions on the blockchain. After that, the method includes determining a first current value associated with the first computer, which is than the first initial value. The method also includes initiating a transfer of transfer value from the first computer to a third computer. The method also includes conducting, with the second computer, an update interaction to update of the first current value by the transfer value to obtain a second current value, the second current value used by the first computer in the first interaction channel.

Abstract: Methods and systems for mobile cardholder authentication are provided. An access device can obtain interaction data produced during an interaction between a user and the resource provider computer in which the user attempts to obtain a resource from a resource provider and user device data comprising a cryptogram and supplemental data from the user device or another user device operated by the user. The cryptogram of the user device can be validated and the interaction data and user device data can be compared to determine that the user interacting with the access device is the same user as the user that interacted with the resource provider computer. The access device can provide an indication that the resource will be provided to the user responsive to determining that the user interacting with the access device is the same user as the user that interacted with the resource provider computer.

Abstract: Provided are a system, method, and computer program product for secure payment device data storage and access. The method includes storing payment device data associated with a payment device of a user and generating a unique uniform resource locator (URL) associated with the payment device. The method also includes transmitting the unique URL to an application provider system through a first communication channel and receiving a data access request from the client device via the unique URL through a second communication channel separate from the first communication channel. The method further includes, in response to receiving the data access request, verifying an identity of the user by executing a step-up authentication protocol. The method further includes, in response to verifying the identity of the user, transmitting a data access response including the payment device data to the client device through the second communication channel.

Abstract: A method for maintaining user privacy in advertisement networks may include receiving first persona data associated with a first user from at least one publisher system. The first persona data may be generalized to form first generalized persona data. A session key may be generated. The first generalized persona data and the session key may be encrypted with a first public key of an advertisement network system to form a first ciphertext. The first ciphertext and first user identity data may be communicated to a mediator system. The first user identity data may be associated with first user's identity. A first encrypted targeted advertisement may be received based on the first generalized persona data from the advertisement network system via the mediator system. The first encrypted targeted advertisement may be decrypted with the session key to form a first targeted advertisement. A system and computer program product are also disclosed.

Abstract: Described herein is a system in which an electronic record is stored on a distributed environment with respect to an item. In this system, transactions may be conducted for an item in an anonymous fashion. In some embodiments, a first user may input an item identifier associated with an item as well as an indication of an action to be performed with respect to that item. The identifier may be transmitted to a blockchain network, which may use that identifier to locate a blockchain associated with the item. A blockchain may include a series of transaction records associated with the item, each of which is signed using a private key. Upon performance of the indicated action, the blockchain network may generate a new transaction record, append that transaction record to the blockchain, and sign the transaction record.

Abstract: A method for processing card not present (CNP) transactions includes: receiving an authentication transaction request including authentication transaction data associated with a CNP transaction, receiving an authorization transaction request including authorization transaction data associated with the CNP transaction; in response to receiving the authorization transaction data and the authentication transaction data, determining an authorization decision for the CNP transaction; and communicating the authorization decision. Systems for processing CNP transactions are also disclosed.

Abstract: A method of determining fraud includes: receiving a transaction request associated with a first payment transaction between a merchant and a user from a merchant system; generating a first risk score based on the transaction request and a first set pot of transaction data received prior to the transaction request; processing a transaction request approval based on the first risk score not satisfying a first threshold; receiving a risk score request associated with the first payment transaction, where the risk score request is received after the transaction request has been approved; generating a second risk score based on a second set of transaction data received after the first risk score is determined; and automatically classifying the first payment transaction as potentially fraudulent in response to determining that the second risk score satisfies a second threshold.

Abstract: Described herein are a system and techniques for enabling user control over usage of their information by data consumers, even when untrusted parties are involved, while also preventing collusion between the untrusted party and a data consumer. A user's information may be collected by a client device and provided to a host server. An encrypted version of the user's information may be stored at the host server so that it is processed on a private enclave of the host server. When the data is to be provided to multiple data consumers, the data may be encrypted for each of the data consumers and may be released to each of those data consumers simultaneously once confirmation has been received that the data has been made available to each of the data consumers.

Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.

Abstract: Provided is a system for analyzing a multivariate time series that includes at least one processor programmed or configured to receive a time series of historical data points, determine a historical time period, determine a contemporary time period, determine a first time series of data points associated with a historical transaction metric from the historical time period, determine a second time series of data points associated with a historical target transaction metric from the historical time period, determine a third time series of data points associated with a contemporary transaction metric from the contemporary time period, and generate a machine learning model, wherein the machine learning model is configured to provide an output that comprises a predicted time series of data points associated with a contemporary target transaction metric. Methods and computer program products are also provided.

Abstract: A computer-implemented method includes: receiving an inquiry request message identifying a first payment transaction having a plurality of transaction parameters and a risk score, where the risk score is generated by a machine-learning model based on the plurality of transaction parameters; for each transaction parameter of the plurality of transaction parameters, perturbing a value of the transaction parameter and re-analyzing the first payment transaction with the machine-learning model to generate a perturbed risk score based on the perturbed transaction parameter; determining at least one impact parameter from the plurality of transaction parameters by comparing the perturbed risk scores generated for each of the plurality of transaction parameters; and generating an inquiry response message based on the at least one impact parameter.

Abstract: A method includes an authorizing entity computer receiving a request for a virtual access credential from a communication device operated by a user. The authorizing entity computer can then transmit the virtual access credential to the communication device operated by the user. The authorizing entity computer can then receive an authorization request message comprising the virtual access credential from an access device associated with a resource provider for an interaction between the user and the resource provider. The authorizing entity computer can then determine an account identifier linked to the virtual access credential. The account identifier being associated with an account maintained by an external entity computer that is external to the authorizing entity computer. The authorizing entity computer can then determine that the interaction is authorized based upon determining the account identifier associated with the virtual access credential.