Abstract: A method is disclosed. One embodiment of the invention is directed to a method. The method comprises: prompting, by an access device, a user to enter an access code; receiving, by the access device, the access code from the user; transmitting, by the access device, the access code to a validation computer, which validates the access code; receiving, by the access device, an access identifier or access token from the validation computer in response to validating the access code; transmitting, by the access device, an authorization request message including the access identifier or the access token to an authorizing computer; and receiving, by the access device, an authorization response message from the authorizing computer.

Abstract: Systems and methods for real-time classification and verification of data using hierarchal state machines are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for real-time classification and verification of data using at least one hierarchy of individual state machines may include: (1) receiving, from at least one external data source, incoming data to be stored in a data store; (2) reviewing the incoming data to identity a possibility of the incoming data including at least one type of sensitive information; (3) identifying a hierarchy of individual state machines to review the incoming data based on the at least one type of sensitive information; and (4) providing the incoming data to the hierarchy of individual state machines.

Abstract: A method for authentication of non-fungible tokens (NFTs) includes receiving a validation request for an NFT from an external platform including a smart contract identifier; calculating an authentication score for the NFT based on at least (i) wallet activity associated with a creator blockchain wallet identified based on the smart contract identifier, and (ii) a fraud score of the external platform; and if the calculated authentication score for the NFT is below a predetermined threshold value, transmitting a negative response message to the validation request indicating unsuccessful validation of the NFT, or if the calculated authentication score for the NFT is above the predetermined threshold value, transmitting a positive response message to the validation request indicating successful validation of the NFT and instructing the external platform to execute a smart contract associated with the smart contract identifier.

Abstract: Methods, apparatuses, and computer program products are disclosed for account verification. An example method includes receiving a request for payment transmission from a payment provider device and generating a first verification element for a payment destination device associated with the request for payment transmission. The method further includes transmitting the first verification element to the payment destination device via a first real-time payment message. In an instance in which the computing device receives responsive authorization from the payment destination device, the method includes verifying the payment destination device. In response to verifying the payment destination device, the method includes transmitting a first real-time payment to the payment destination device. In an instance in which the computing device fails to receive responsive authorization from the payment destination device, the method includes transmitting a verification failure notification to the payment provider device.

Abstract: Embodiments of the invention may provide a technical solution by creating an interoperable or common transaction payment gateway with two-dimensional code so that legacy two-dimensional code payment platform may communicate with the more robust transaction payment platform. Aspects of the invention design a handle message, instead of the typical actual transaction message, encoded in the two-dimensional code such that merchants or consumers may transmit such handle to be further processed or decoded by the transaction handler. An advantage of embodiments of the invention may no longer need the consumer or merchant to upgrade its existing device to interpret the two-dimensional code to retrieve the handle and may no longer need to upgrade its payment processing network infrastructure. Embodiments of the invention bridge a gap between the legacy close loop two-dimensional code infrastructure and the robust and sophisticated payment transaction infrastructure.

Abstract: A method of provisioning or distributing a cryptographic digital asset and supervising a secondary transfer of the digital asset includes receiving a transaction confirmation indicative of a completed transaction of a product from a first party to a second party; determining or receiving a unique owner identification (ID) code or wallet address of the second party; recording or transmitting a request to record ownership of the cryptographic digital asset to the unique owner identification (ID) code or wallet address of the second party; receiving a request to transfer the cryptographic digital asset to a second unique owner identification (ID) code or second wallet address; and recording or transmitting a request to record ownership of the cryptographic digital asset to the second unique owner identification (ID) code or second wallet address.

Abstract: Systems and methods are provided for receiving an encrypted payment payload from a digital wallet host, transmitting a low value token to a merchant, receiving an authorization request, requesting authorization for the transaction from an issuer financial institution using financial data from the encrypted payment payload, receiving an authorization decision from the issuer financial institution, and transmitting an authorization response to the merchant.

Abstract: A method for pre-authorization of a payment transaction with tokenized credentials includes: receiving a first data set signed with a first digital signature and including an acquirer identification value and a second data set; verifying the first digital signature using a first public key of a first cryptographic key pair associated with the acquirer identification value; extracting, from the first data set in response to verification of the first digital signature, the second data set including a merchant identification value and a third data set; extracting, from the second data set, the third data set including an issuer identification value and transaction data; identifying an issuing computing system based on the issuer identification value; and transmitting a fourth data set to the issuing computing system, the fourth data set including the first data set and a steward identification value.

Abstract: An embodiment of the present invention is directed to a Market Data Hub with Distributed Ledger Technology. The innovative system and method are directed to implementing a Quorum Blockchain Node that manages contributed content and allows for custom analytics, alerting, reporting, machine learning interfaces, etc., while preserving entitlements controls and privacy controls specific to participants. Moreover, the system and method disseminates market data to downstream consumers and syndicated entities that are entitled to view the market data.

Abstract: Systems, methods, and computer program products to transmit, by a web browser to a web server, a hypertext transfer protocol request for a web page at a first uniform resource identifier (URI). The web browser may receive, from the web server via, the web page and metadata of a plurality of candidate advertisements, the plurality of candidate advertisements determined based on a master machine learning (ML) model. A client ML model executing in the web browser may process the received metadata, the client ML model trained based on prior interactions between one or more users of the web browser and a plurality of previously displayed advertisements. The client ML model may determine based on the processing, a first candidate advertisement of the plurality of candidate advertisements to display in the web browser with the received web page.

Abstract: Systems and methods are disclosed for protecting consumer privacy in an online advertising environment. A request may be received from a browser for a webpage along with a unique browser identifier. The browser may be provided a first portion of the webpage that is locally available. The unique browser identifier may be provided to at least one advertising entity, wherein the advertising entity determines an advertisement based, at least in part, on the unique browser identifier. The advertisement may be received from the advertising entity, and provided to the browser as a second portion of the webpage.

Abstract: A computer-implemented method that includes receiving a user command including one or more criteria characteristics in association with an account and detecting an occurrence of a transaction from the account. The transaction is associated with one or more purchase characteristics. The method includes determining whether the one or more purchase characteristics of the transaction match the one or more criteria characteristics, and recording a modified version of the one or more purchase characteristics of the transaction on a ledger of the account in response to determining the one or more purchase characteristics match the one or more criteria characteristics. The method includes recording an unmodified version of the one or more purchase characteristics of the transaction on the ledger in response to determining the one or more purchase characteristics do not match the one or more criteria characteristics.

Abstract: Disclosed are exemplary embodiments of systems and methods for processing a payment transaction using a pseudo-PAN. In an exemplary embodiment, a method generally includes periodically generating an encryption salt and receiving an authorization message for a payment transaction to a payment account, where the authorization message includes a token. The method also includes decrypting the token based on an encryption algorithm and the encryption salt most recently generated, prior to receipt of the authorization message, and searching in memory for the decrypted token. The method then includes determining that the decrypted token does not match any of a plurality of actual primary account numbers (PANs) in the memory, whereby the token is determined to not be a pseudo-PAN, and transmitting the authorization message without modification to a computing device associated with one of an acquirer and an issuer of said payment account.

Abstract: Techniques are described for receiving a whitelist record, the whitelist record comprising a date, a time, or a combination. The techniques include determining whether a transaction is valid based on the whitelist record. The techniques further include processing the transaction in response to the transaction being valid based on the whitelist record and storing the transaction in response to the transaction being determined to be valid.

Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.

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: Systems, methods, and media for detecting advertisements with advertising cues are provided. In some embodiments, a method for detecting advertisements is provided, the method comprising: receiving an advertisement request from a web browser loading a web page; selecting an advertisement from a plurality of advertisements to be placed on the web page in response to receiving the advertisement request; loading an event listener associated with the advertisement that receives advertisement information associated with other advertisements on the web page; and transmitting advertisement information associated with the advertisement to frames on the web page, wherein the event listener receives responses to the advertisement information that includes the advertisement information associated with the other advertisements on the web page.

Abstract: Methods, apparatuses, and computer program products are disclosed for account verification. An example method includes receiving a request for payment transmission from a payment provider device and generating a first verification element for a payment destination device associated with the request for payment transmission. The method further includes transmitting the first verification element to the payment destination device via a first real-time payment message. In an instance in which the computing device receives responsive authorization from the payment destination device, the method includes verifying the payment destination device. In response to verifying the payment destination device, the method includes transmitting a first real-time payment to the payment destination device. In an instance in which the computing device fails to receive responsive authorization from the payment destination device, the method includes transmitting a verification failure notification to the payment provider device.

Abstract: Disclosed are systems and methods for improving interactions with and between computers in content providing, searching and/or hosting systems supported by or configured with devices, servers and/or platforms. The disclosed systems and methods provide a novel framework for analyzing messages associated with an inbox of a user, and providing functionality to the inbox for alerting the user to specific forms of content included within each message. Such functionality can include displaying messages and/or the content contained therein in a novel, dedicated and modified and/or embedded portion of a message inbox. The messages can also be modified upon display within in the inbox to indicate that the message includes content of a specific type. Also, messages that include specific content types can also trigger the disclosed framework to generate and provide alerts to the user indicating the inbox has received or includes specific forms of such content.

Abstract: Provided herein is a computer-implemented method for provisioning a token to an appliance. The method includes registering an original account identifier to an appliance, wherein the original account identifier is not associated with any user, associating a device token to the original account identifier, wherein the device token is stored by the appliance, associating a user account identifier for a user to at least one of the device token and the original account identifier, receiving, from the appliance, a transaction request for a transaction, the transaction request including the device token, identifying the user account identifier based on the device token, determining that the transaction is authorized based at least partially on the user account identifier and the original account identifier registered to the at least one appliance, and in response to determining that the transaction is authorized, processing the transaction. A system and appliance are also disclosed.