Abstract: A method executed by a computing device includes identifying a contingency-action token (CAT) of an object distributed ledger that meets minimum CAT requirements. The method further includes determining whether to select the CAT based on an evaluation of the CAT with regards to an evaluation profile. When selecting the CAT the method further includes producing a selected CAT and determining reassignment information for the selected CAT. The method further includes facilitating taking control of the selected CAT of a blockchain of the object distributed ledger using a securely passing process and updating the selected CAT utilizing the reassignment information for the CAT to produce an updated CAT. The method further includes causing generation of a new block affiliated with the updated CAT via the blockchain of the object distributed ledger using the securely passing process, where the new block includes the updated CAT.

Abstract: Provided is a method for aggregating data from real-time events (e.g., payment transactions). The method may include receiving event (e.g., transaction) data associated with a plurality of events (e.g., payment transactions). First aggregation of interest data associated with a type of aggregation of interest may be received. A first key associated with each event (e.g., transaction) may be determined based on a first portion of the event (e.g., transaction) data associated with each event (e.g., transaction) and the first aggregation of interest data. A first value based at least partially on a first plurality of the first keys associated with a first subset of the plurality of payment transactions may be communicated based on a first user request. A system and computer program product are also disclosed.

Abstract: Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.

Abstract: A computer implemented method includes generating, by a processor associated with a first client computer, a request message; generating, by the processor, a first public token based on a first private token; augmenting, by the processor, the electronic data transaction request message with the first public token; transmitting, by the processor, the augmented electronic data transaction request message to a second client computer; generating, by the processor, a second public token based on the first public token; identifying, by the processor, from a database of result messages, a result message labeled with the second public token, the identified result message including encrypted confidential information; generating, by the processor, a second private token corresponding to the second public token used to identify the result message; and decrypting, by the processor, the encrypted confidential information with the second private token.

Abstract: In one embodiment, techniques include a payment service computing platform associated with a payment service and methods performed thereby. Techniques include receiving, from a first electronic device of a first user, an instruction to associate a token corresponding to a matrix barcode with an action involving a first account. Techniques include associating the token with the action and the first account. Techniques include receiving, from a second electronic device of a second user, the token and a first set of contextual information. Techniques include identifying the action based at least in part on the token and the first set of contextual information. Techniques include causing a user interface to be displayed on the second electronic device, including interface elements for collecting payment information from the second user. Techniques include initiating the payment to the first user based on the payment information.

Abstract: Methods and systems for processing insurance policies associated with properties may be provided. A property may be populated with a plurality of smart devices or devices that are connected to a central controller, such as via wired or wireless communication, whereby the plurality of devices are covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The central controller may receive identifications for the devices, and may update an inventory list to include the plurality of devices. A total market value of the devices may be calculated, and the central controller may estimate any modification to the insurance policy based upon the total market value. The controller may facilitate the modification to the insurance policy with a customer and an insurance provider. The smart devices may be, or be associated with, appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings.

Abstract: A system may include a processor that may receive an indication of an amount of funds deposited into an account, convert the amount of funds into a number of tokens using a multiplier, and generate a visualization representative of a growth rate of the number of tokens over a period of based on an interest rate. The interest rate may be defined by a user with supervisor authority over the account. The processor may then display the visualization via an electronic display and periodically transfer an additional amount of funds from an additional account associated with the user to the account in response to the amount of funds remaining in the account after a period of time.

Abstract: A system may receive request electronic data messages and counter-request electronic data messages from various network participant nodes within a defined time interval. The system may extract data from the electronic data messages to generate input codes including indicators that characterize execution values and imputed variability levels for the electronic data messages and/or characterize the message types of the electronic data messages. The input codes are used to generate a time-interval-specific support vector machine for the defined time interval. The system may then generate dummy data including execution value and imputed variability level tuples. The dummy data is used to map boundary levels from the time-interval-specific support vector machine versus execution values.

Abstract: A computer implemented method for operating a token management system includes: generating the first plurality of request messages; generating a first plurality of public tokens; augmenting each of the first plurality of request messages with one of the first plurality of public tokens, the augmenting resulting in a first plurality of augmented request messages; transmitting the first plurality of augmented request messages to the first plurality of market participants; generating a second plurality of public tokens based on the first plurality of public tokens; querying a database of financial messages for any financial messages including any of the second plurality of public tokens; and associating a plurality of financial messages including any of the second plurality of public tokens with each other.

Abstract: Various embodiments are generally directed to techniques to perform transaction with transaction cards utilizing characteristics of customer's signature. Techniques may further include determining characteristics of a signature including a reduced set of data points for the signature and storing the characteristics in secure memory of transaction card.

Abstract: Systems, methods and data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Among other improvements, the invention enables the use of multiple payment accounts to fund purchases and other electronic transactions.

Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.

Abstract: Systems and methods ingest extensive data regarding real-time transactions to determine correlation between a variety of parameters and possible fraud events. Possible fraud can be predicted, and notifications delivered to a fraud team. Correlations can be discovered using unsupervised machine learning, and particular systems and methods can utilize natural language processing to both receive and provide information concerning fraud risk and countermeasures.

Abstract: Embodiments of the present disclosure relate to methods and systems for authenticating and authorizing mobile-One Time Password (m-OTP) based transactions. A cardholder (101) can generate the m-OTP in an issuer mobile application (301) and enter in a checkout page for completing the transaction. Once the m-OTP is entered, a merchant system (104) generates a transaction message comprising the m-OTP and a unique identifier indicating that the transaction message comprises the m-OTP. Is submitted to a directory server (106) which sends the transaction message to an issuer system (107) for authentication and authorization. The issuer system (107) generates a response message comprising a result of authentication and authorization of the transaction message. The directory server (106) routes the response message to the merchant system (104) via the acquirer system (105).

Abstract: The disclosed embodiments relate to creation and dissemination of unique identifiers, i.e. tokens, for use in communication of messages from a transaction processing system, to participants therein whereby messages, or at least a portion of the content thereof, indicative of a response to a request, to transact or modify a prior transaction, are consolidated, or otherwise combined, with the corresponding directed reporting messages communicated to the particular participants participating in the reported transaction while preserving the anonymity of those participants to which messages are particularly directed. The identifiers are structured so as to facilitate rapid validation and dissemination while eliminating the ability to associate any given identifier, or set thereof, with a participant.

Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions and other secure data processes. Aspects of such systems include trusted platforms by which networked communication devices and merchant systems may be registered as trusted entities. Information associated with particular payment means, such as accounts or payment tokens, can be stored on device(s) secure data sets known as virtual or electronic wallets, or in the form of secure payment tokens. Common application programming interfaces executed by devices may facilitate push and pull processes between electronic wallets and other secure data stores. Users may thereby initiate and complete electronic transactions directly from within applications on trusted devices.

Abstract: In one embodiment, a computer-implemented method comprises, using an e-procurement platform instance that is programmed to host thousands of user accounts that are associated with a plurality of different entities, receiving, from a buyer computer, supplier payment account data for a dataset representing a payment to a supplier; creating a cryptographically secure fingerprint based on the supplier payment account data; using the fingerprint and at least a portion of the supplier payment account data, programmatically transmitting a structured database query to a digital data repository, the digital data repository comprising at least hundreds of thousands of records of transactions that included other datasets representing other payments; in response to the querying, receiving a result set of a plurality of supplier payment datasets, based on the records of transactions, the supplier payment datasets representing past submissions of payments to the same supplier payment account that the fingerprint represents

Abstract: A flexible advance system allows users to request and receive advances instantly. The flexible advance system facilitates intra-system transfers between a third-party entity and employee accounts at a third-party system by generating and providing funding instructions to the third-party entity. Funding instructions include a funding amount that the flexible advance system predicts using one or more machine-learned models that account for seasonality and time delays. In executing the instructions from the flexible advance system, the third-party entity transfers funds to its entity account with the third-party system based on the funding amount. Once the flexible advance system receives an indication that the third-party entity has executed the instructions, the flexible advance system authorizes users of the flexible advance system to request short-term advances.

Abstract: A computing system retrieves a credit check algorithm. The credit check algorithm utilizes one or more parameters for evaluation of a credit score of an individual. The computing system identifies a plurality of entities contributing parameters for the evaluation of the credit score of the individual. The computing system compiles the credit check algorithm into a plurality of components. Each component corresponds to a respective entity of the plurality of entities and each component generates an output unique to the respective entity. The computing system transmits each component to a respective entity of the plurality of entities. The computing system instructs each entity to share a respective output with each remaining entity. The computing system receives a credit score for the individual from each of the plurality of entities. Each credit score received from each entity is the same.

Abstract: Described herein are systems, methods, and apparatuses for performing a user-less payment for an item upon its delivery by an unmanned delivery vehicle. The unmanned delivery vehicle may navigate to a delivery location, receive payment information, initiate a payment transaction with a remote server, and release the item at a specified location upon successful completion of the payment transaction. Upon arrival of the unmanned delivery vehicle, a wireless data transmission device may send payment information to a remote server, and the remote server may provide the unmanned delivery vehicle with an indication of whether the item can be released and a specific location at which the item can be released.