Abstract: Various implementations described herein may refer to a digital rights management (DRM) platform. In one implementation, a method may include receiving first biometric data associated with a user. The method may also include generating first biometric templates based on the first biometric data using a DRM platform. The method may further include receiving access control data from the user, where the access control data includes data indicating time periods during which requestors are permitted to authenticate the user using the first biometric templates. The method may additionally include transmitting the first biometric templates and the access control data to the requestors using the DRM platform, where the first biometric templates are configured to be compared to second biometric templates based on the access control data, and where the second biometric templates are configured to be generated using the DRM platform based on second biometric data associated with the user.

Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.

Abstract: Embodiments of the invention are directed to systems and methods for conducting a transaction utilizing a cryptocurrency. The user may fund a cryptocurrency account with his pre-existing cryptocurrency. An issuer may purchase cryptocurrency within a cryptocurrency exchange. The user may then utilize a payment device (e.g., a Crypto Debit Card) that is associated with a cryptocurrency balance to conduct a transaction with a merchant for goods and/or services. An authorization request message may be transmitted to the authorizing entity computer. The authorizing entity computer may determine a cryptocurrency amount corresponding to the fiat currency transaction amount of the authorization request message. A sell request message may be transmitted to an exchange that facilitates the sale of the cryptocurrency amount.

Abstract: A system and method is disclosed for evaluating a plurality of cryptocurrencies, the method comprising monitoring and storing volatility data for a plurality of cryptocurrency exchanges; analyzing the stored volatility data to generate one or more risk forecasts indicating risks associated with purchasing cryptocurrency through each of the cryptocurrency exchanges; determining a number of transaction factors for purchasing cryptocurrencies and selecting a cryptocurrency based on the transaction factors.

Abstract: Methods and systems for virtual checking are described. In some embodiments, information for a virtual check created in a mobile device associated with a payor can be received from the mobile device. The information may include an amount of the virtual check. A computer system may determine whether there are sufficient funds to cover the amount of the virtual check and may place the funds in the amount of the virtual check in reserve when the funds are sufficient to cover the amount of the virtual check.

Abstract: Systems and methods for authenticating a user are disclosed.

Abstract: Provided is a computer-implemented method for performing analysis of transaction data. The method may include receiving streaming data, wherein the streaming data comprises a plurality of data identifiers and transaction data associated with each transaction of a plurality of transactions, wherein each data identifier is associated with transaction data associated with a transaction so that the transaction data associated with each transaction is separated by a data identifier, filtering the streaming data using at least one predetermined data identifier value to provide filtered transaction data, determining whether the filtered transaction data corresponds to at least one predetermined transaction parameter, and asynchronously storing the filtered transaction data associated with the at least one transaction in at least one data structure. A system and computer program product are also disclosed.

Abstract: Methods and systems are provided for use with digital data processing systems to control or otherwise limit access to networked resources based, at least in part, on transactional artifacts and/or derived artifacts.

Abstract: Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.

Abstract: Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.

Abstract: A seamless electronic system and method for application, acceptance of, authorizing access to, and tracking purchases made with a new credit account is disclosed. The method uses a mobile device to electronically apply for a new credit account and receive a metadata file formatted for a mobile wallet on the mobile device, the metadata file providing a new credit account for making purchases via a mobile payment. A biometric security is provided to limit access to the new credit account, the biometric security being different than an input needed to access the mobile device. A user is authenticated with the biometric security, prior to receiving access to the new credit account; and initiating a mobile purchase therewith. A digital receipt identifying one or more aspects of the mobile purchase is received.

Abstract: Disclosed is a currency management application to facilitate customized transfer of value between two parties via a digital coin. The digital coin can be personalized and programmed. For example, the digital coin can be personalized with a set of attributes, such as a design, color, shape or theme, and can be programmed with a set of rules, such as where the digital coin can be redeemed and/or who the digital coin can be transferred to. The digital coin is associated with a value, which is determined in terms of a fiat currency or cryptocurrency. This digital coin can be used for peer to peer payments, merchant payments and redeemable/withdrawn through a financial institution, such as a bank account.

Abstract: A method of approving expenditures in real-time, comprising receiving an expenditure request initiated by a user associated with an organization for transferring funds of the organization in exchange for one or more products and/or services, identifying request attribute(s) relating to the user, the value, the funds, the product, the service, a time of reception of the expenditure request and/or a geographical location of the user, analyzing scheduling data obtained from one or more online data sources which is indicative of one or more activity attributes of activity(s) scheduled for the user, automatically determining compliance between the request attribute(s) and one or more expenditure rules predefined for the product(s) and/or service(s) with respect to the activity attribute(s) and transmitting a response to the expenditure request according to the determination which includes approval of the expenditure request in case of compliance and rejection in case of incompliance.

Abstract: In one embodiment, a method includes receiving, at a first server, from a privacy component on a user device, a privacy communication request including device data for the user device and server data for a second server communicating with the user device, generating a privacy communication response to be transmitted by the second server to a third server, the privacy communication response including a privacy communication string tagged to the second server and a privacy communication string record identifying the second server, transmitting, to the privacy component, the privacy communication string, receiving, from the third server, an approval request for a secure exchange associated with the privacy communication string, the approval request identifying a requesting server associated with the secure exchange, analyzing the approval request to determine whether there is a match between the requesting server and the second server, and transmitting, to the third server, a validation response.

Abstract: In one embodiment, a method includes receiving, from a user device, a first request for a privacy transaction card comprising a plurality of transaction metadata strings associated with a pending transaction between the user device and a first merchant server, analyzing, using a machine learning model, the transaction metadata strings in the first request to determine a risk assessment score for the first request, the machine learning model being trained to determine risk assessment scores based on multiple second requests stored in a privacy transaction database, determining whether the risk assessment score for the first request exceeds a specified risk threshold associated with the pending transaction, generating, upon determining the risk assessment score is below the specified risk threshold, a privacy transaction card comprising a unique privacy payment card number associated with the user device and the first merchant server, and transmitting, to the user device, the privacy transaction card.

Abstract: In one embodiment, a method includes receiving, at a privacy transaction platform server, from a transaction network server, a transaction approval request associated with a user device and a requesting server including proffered transaction strings and proffered server properties associated with the requesting server, retrieving a privacy transaction record associated with the user device including tagged transaction strings and server properties associated with a provider server, determining that there is a transaction string match between the proffered transaction strings and the corresponding tagged transaction strings, determining that there is a server match between the requesting server and the provider server based on a validity metric for the transaction approval request exceeding a specified confidence threshold based on an analysis of the proffered server properties and the provider server properties, and transmitting, to the transaction network server, a validation response approving the requested

Abstract: A graph data structure for an artificial intelligence knowledge base includes a plurality of user-centric facts associated with a user. Each user-centric fact has an application-agnostic data format and includes a subject graph node, an object graph node, and an edge connecting the subject graph node to the object graph node. The graph data structure is designed to accommodate facts from different application-specific data providers using the same application-agnostic data format even when the different application-specific data providers use different native data formats.

Abstract: A system for assisting a payment to a passenger on a commercial passenger vehicle is disclosed. The system is located in the commercial passenger vehicle and comprises: an onboard server configured to (1) receive, from a personal electronic device associated with a passenger, a request to process a payment along with payment credential information and (2) operate to authorize the payment; a light sourcing device in communication with the onboard server and configured to receive, from the onboard server, a verification request for the payment credential information, and display a light identification (ID); and the personal electronic device in communication with the onboard server and the light sourcing device and configured to capture an image of the light ID and obtain the verification request corresponding to the payment credential information from the captured image.

Abstract: In an embodiment, a central repository of rights may be implemented, and accessing entities (e.g. clients) and entities for which access is controlled (e.g. files, servers, etc.) may rely on the central repository. The rights may vary on a client-by-client basis. In an embodiment, the rights may be managed as a value that is interpreted by the access-controlled entity. Accordingly, the definition of access rights may vary based on the entity. In an embodiment, visibility to the access rights may be limited. For example, the central repository may provide a handle that is associated with the access rights, but the access rights themselves may not be provided. When an accessing entity attempts to access the access-controlled entity, the handle may be used to identify the access rights. The handle may be presented to the central repository by the access-controlled entity to confirm access rights.

Abstract: Disclosed herein are an authentication and payment system and method. The authentication and payment system of the present invention includes an issuer server, an issuer information management intermediate server, an acquirer server and a payment server. The issuer server issues, manages and operates payment means.