Abstract: Systems and methods for secure virtualized intermediated configuration and control of payment processing peripheral devices, as may be embodied in a SNIPP system, are provided. Such systems and methods enable the request of purchaser payment information from payment processing peripheral device(s) on behalf of a POS system and the aggregation and association of that purchaser payment information with a corresponding purchase transaction received from the POS system. The purchase transaction and the payment transaction are aggregated and thereby associated; and the resulting aggregated payment transaction is submitted to an electronic payments processing facility that responds with a confirmation indicating ‘acceptance’ or ‘denial’ of the payment transaction. The confirmation is relayed to the POS system and possibly to the payment processing peripheral device(s) such that it may be displayed to the purchaser and/or an attendant.

Abstract: The present disclosure relates to systems and methods to generate user or user group behavior similarities based on computing distances between individual users or user groups and without using demographic data, e.g., based on anonymized data. The methods include creating a multidimensional vector representation for each user in a group by summarizing user's behaviors across various categories. Based on the created vectors, distance calculation and nearest neighbor search are performed to locate users that are most similar to target users. The resulting distance metrics may be used to rank similarities. Additionally, dimensionality reduction may be performed to further distill the behavior information to make the disclosed methods suitable for a variety of analytics and modeling tasks.

Abstract: Systems and methods of verifying utilization of a blockchain registered container at POS are presented. In one exemplary embodiment, a method is performed by a POS system having a sensing device operable to sense an identifier specific to a container configured to transport items after checkout. The POS system is communicatively coupled to a blockchain network that includes network nodes that are collectively configured to operate a blockchain. The container identifier is specific to a cryptographic digital asset stored on the blockchain as a container identifier code. Further, the cryptographic digital asset includes a user identifier code, with the container identifier code and the user identifier code being included in a transaction entry of a block on the blockchain that is associated with the cryptographic digital asset. The method includes sending, to the blockchain, a request for block data associated with the cryptographic digital asset based on the container identifier.

Abstract: Systems, apparatuses, and methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.

Abstract: System and methods and computer program code are provided to transfer value from a first wallet application on a first mobile device to a second wallet application on a second mobile device. Pursuant to some embodiments, the transfer is performed over a short or medium range communications protocol and does not require for either or both devices to be “online” or connected to a remote network device or system.

Abstract: Methods and systems are presented for providing a framework to securely integrate third-party logic into electronic transaction processing workflow. Third-party programming code that implements different third-party logic may be obtained and stored in a repository. A transaction processing request is received from a third-party server, and an instance of a transaction processing module is instantiated within an operating runtime environment to process a transaction according to a workflow. When the instance of the transaction processing module has reached an interruption point, the instance of the transaction processing module is suspended, and a third-party programming code is executed within an isolated runtime environment. The third-party programming code is configured to provide an output value based on attributes of the transaction. The instance of the transaction processing module then determines whether to authorize or deny the transaction based in part on the output value.

Abstract: Systems and methods for processing peer-to-peer financial product markup language agency notices are disclosed. According to one embodiment, in an information processing apparatus, a computer-implemented method for processing peer-to-peer financial product markup language agency notices may include: (1) receiving a FpML notice from a sender to a receiver; (2) obtaining a sender unique identifier for the sender and a receiver unique identifier for the receiver; (3) generating a FpML message body for a transaction associated with the notice; (4) generating FpML data comprising the unique identifiers and the FpML message body; (5) generating an electronic message comprising the FpML data; and (6) sending the electronic message FpML data to the receiver.

Abstract: There may be provided a computer-implemented method. It may be implemented using a blockchain such as, for example, the Bitcoin blockchain. The computer-implemented method includes: i) joining a congress by transferring, by a node operating in a proof-of-work blockchain network, one or more digital assets to a congress pool having one or more other digital assets associated with other members of a congress; ii) detecting, by the node, a special transaction of digital assets on the proof-of-work blockchain network to an address associated with the congress pool, the special transaction satisfying determined criteria; and iii) minting, by the node, one or more digital assets on a proof-of-stake blockchain network in response to detecting the special transaction.

Abstract: A high-performance distributed ledger and transaction computing network fabric over which large numbers of transactions are processed concurrently in a scalable, reliable, secure and efficient manner. In one embodiment, the computing network core is configured to support a distributed blockchain network that organizes data in a manner that allows communication, processing and storage of blocks of the chain to be performed concurrently at very high performance and low latency, even when the transactions themselves originate from distant sources. This data organization relies on segmenting a transaction space within autonomous but cooperating computing nodes that are configured as a processing mesh. The system also provides for confidence-based consensus and automated fork resolution.

Abstract: A bridge service is provided to support multi-user simulated contactless cards that in response to receiving a request to provision a secure element with payment card profile information of a user, provisions a token representing the payment card profile, converts the token representing the payment card profile into a format for the payment application; and provides the payment card profile to the payment application, the payment card profile comprising a single use key. The bridge service enables simulated contactless cards to store payment card information for a user on volatile memory instead of the persistent, secure element memory.

Abstract: Provided herein is a computing system for detecting compromised merchants in a payment card network.

Abstract: Disclosed are various embodiments for issuing virtual cards to client devices. Also disclosed are embodiments for provisioning a transaction terminal to process transactions with virtual cards. A zero-knowledge proof algorithm can be utilized to validate the transactions. A virtual card can be based upon a public key of a client device that is managed by a hardware security module.

Abstract: In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.

Abstract: The present invention concerns a cryptocurrency-cash gateway, comprising a wallet interface (403) for communicating over a network with at least one crypto wallet (102) and an EFT gateway interface (404) for communicating over a network with at least one electronic funds transfer, EFT, gateway or financial institution (407), wherein the cryptocurrency-cash gateway is operable to perform a cryptocurrency-to-cash transaction for allowing a user to withdraw cash at an automatic transaction machine, ATM (110), or a point-of-sale, POS, system (110B) by exchanging a corresponding amount of a cryptocurrency from the crypto wallet(s); or conversely allowing the user to deposit cash at an ATM or POS system and exchanging it for a corresponding amount of a cryptocurrency to be deposited in at least one crypto wallet of the user.

Abstract: A method for assisting wallet providers in regulatory compliance for blockchain transactions includes: receiving, by a receiver of a processing server, a new blockchain transaction from a first computing device, the new blockchain including at least a destination address associated with a blockchain wallet as a recipient for the new blockchain transaction; generating, by a processor of the processing server, a reference identifier for the new blockchain transaction; identifying, by the processor of the processing server, a profile for the blockchain wallet based on the destination address; transmitting, by a transmitter of the processing server, the reference identifier to the first computing device; and transmitting, by the transmitter of the processing server, a notification message to a second computing device, the notification message including at least the reference identifier and data associated with the blockchain wallet.

Abstract: A method for electronic receipt transfer via ultra-wideband electronic (UWB) radio technology may include: causing, by a payment terminal computer program, an UWB radio to transmit a range request signal from a first antenna; receiving, by the payment terminal computer program and one or more customer electronic devices, a pair of replies to the range request signal, each comprising a first reply signal received at the first antenna and a second reply signal received at a second antenna; determining, by the payment terminal computer program, a distance between the UWB radio and each customer electronic device based on a time of flight; selecting, by the payment terminal computer program, the customer electronic devices having the distance that is closest to the UWB radio; and communicating, by the payment terminal computer program, an electronic receipt for a transaction to the selected customer electronic device.

Abstract: Systems and methods are disclosed for blockchain-based payment transactions, alerts, and dispute settlement, using a blockchain interface server.

Abstract: A machine learning engine may be trained using artificial intelligence techniques and used according to techniques discussed herein. While an initial electronic transaction for a resource may be permitted, a subsequent related transaction to the initial electronic transaction may be analyzed in view of additional electronic information that was not available at the time of the initial transaction. Analysis of the subsequent related transaction, using the machine learning engine, may indicate a new classification related to the resource and/or the acquisition of the resource. Based on this new classification, usage of the resource may be restricted and/or denied, and the initial transaction for the resource may even be canceled retroactively.

Abstract: In an example embodiment, there is described in here a method for pre-staging transactions that permit a banking customer to either transfer money to a third party or to themselves. In particular embodiments, a token is generated that can be used multiple times by the recipient.

Abstract: Aspects of the disclosure relate to computing platforms that utilize improved mitigation analysis and policy management techniques to improve onboarding security. A computing platform may determine that a predetermined period of time has elapsed since finalizing an onboarding process. The computing platform may receive spot check verification inputs indicative of a user identity and may direct a mitigation analysis and output generation platform to analyze the spot check verification inputs. The computing platform may receive an indication of a correlation between the spot check verification inputs and expected spot check verification inputs. In response to determining that the correlation exceeds a predetermined threshold, the computing platform may determine that an additional verification test should be conducted, and may direct the mobile device to display an interface that prompts for additional onboarding verification inputs.