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.

Abstract: A biometric input device is used to obtain biometric data from a user. The biometric data is used to determine host card emulation (HCE) parameters that are associated with the user and are used to access a payment account. An interface device that is associated with the biometric input device receives the HCE parameters. The interface device includes a secure execution environment (SEE). A processor in the SEE decrypts and stores the HCE parameters in the memory of the SEE and executes an HCE instance. The HCE instance uses a communication interface to interact with a payment terminal using a contactless communication protocol. The interaction provides payment data to the payment terminal, which is then sent along a payment channel for processing. The HCE instance is then erased, and the SEE is then available for use by another user for another transaction using a different payment account.

Abstract: A method for processing a transaction of a communications terminal, asking a server, through a communications network, for processing of a transaction involving the use of payment data. The method is implemented within the communications terminal. The method includes: transmitting a request for obtaining a certification code to the payment method whose data is used for the transaction; receiving the certification code coming from the payment method; inserting the certification code into a transaction data structure; transmitting the transaction data structure to the server; and when the certification code received by the server is valid, receiving a piece of data representing the validation of the transaction by the server.

Abstract: A method for planning under uncertainty is disclosed. The method includes steps of processing a stochastic programming formulation based on forecast values of at least one of product and service configurations, and determining a resource requirements plan for one or more planning periods in a non-deterministic bill of resources of at least two levels.

Abstract: Systems and methods for providing a financial/clinical data interchange are provided. The financial/clinical data interchange provides a distributed implementation to a secure hash key (i.e., a token) and value pair data derived from a medical claim (e.g., patient identification, submitter identification, payer identification, encounter identification, and the like) and enriched with submitter-based domain data. The token may be used as a data attribute in an API that unlocks a pointer to the value (e.g., a fast healthcare interoperability resources (FHIR) uniform resource identifier (URI) to the patient encounter associated with the claim) to leverage a FHIR query for all documented medical records associated with the claim the payer is authorized by the submitter to view.

Abstract: In one embodiment, a method includes receiving, at a privacy transaction server, from a user device, a privacy transaction card creation request including merchant metadata for a first merchant server, generating a privacy transaction card associated with an issuer server, storing, in a privacy transaction database, a privacy transaction card record for the privacy transaction card, including tagged card data identifying the first merchant server, transmitting, to the privacy component, the privacy transaction card, receiving, from the issuer server, a transaction approval request associated with the privacy payment card, the transaction approval request including transaction metadata identifying a second merchant server, retrieving the privacy transaction card record, analyzing the transaction metadata and the tagged card data to determine whether there is a match between the first merchant server and the second merchant server, and transmitting a transaction approval response indicating whether the transact

Abstract: A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

Abstract: Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Challenge questions may be presented from the non-merchant to the consumer after receiving the payment information, thereby allowing a Judicious determination of when to ask such challenge questions and allowing complex and probative questions. The time limit for such challenge questions may advantageously be unconstrained, while still preserving security. Also, a risk analysis may be started prior to the consumer submitting payment information, thus showing an efficient and complex risk analysis. Information about an access device used by the consumer may be obtained at the non-merchant from the access device with code sent to the access device from the merchant, and the device information may be used in the risk analysis.

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: A digital downloading jukebox system including a central server and a plurality of remote jukebox devices each provided with a local server that preferably mirrors the central server and enables selected songs to be immediately downloaded to the jukebox for reproduction. The local server and jukebox may also provide, through control of the central server, song download services to other jukebox devices. The jukebox system may also act as a monitoring/management device for other coin operated equipment present in a location where the jukebox is located, thereby enabling the jukebox device to perform updates on other equipment under control of the central server.

Abstract: The extraction device according to the present application includes an acquisition unit and an extraction unit. The acquisition unit acquires behavior histories of users being candidates to whom content is to be distributed. The extraction unit extracts target users expected to perform specified behavior, based on a behavior history designated by a content provider, of the behavior histories acquired by the acquisition unit. For example, the extraction unit uses a model for determining the degree of similarity between a user performing the specified behavior and a target user expected to perform specified behavior based on the behavior history designated by the content provider in order to extract the target users.

Abstract: Expedited E-Commerce Tokenization alleviates concerns associated with cards for merchants as well as payment service providers (PSPs) using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.

Abstract: A system for updating a stored value card comprising a transaction device for receiving a request to update the stored value card; a transaction manager arranged in data communication with the transaction device; the transaction manager operable to process the request to update the stored value card; a clearing house arranged to receive processed request from the transaction manager and create a pending transaction status; and a stored value updater network operable to receive the stored value card and thereafter retrieve an identifier of the stored value card; the stored value updater network further operable to retrieve the pending transaction status from the clearing house; wherein upon successful verification of the pending transaction status and the stored value card, the stored value updater network updates the stored value card.

Abstract: Disclosed are various embodiments for determining eligibility for the delegation exemption to strong customer authentication requirements. In one embodiment, a payee entity determines that a payment transaction using a payment instrument issued by a payment issuer is eligible for a delegation exemption from an authentication challenge by the payment issuer based at least in part on a previous authentication challenge by the payment issuer being successfully completed for a previous payment transaction using the payment instrument and a returned payment history associated with the payment instrument. Subsequently, the payee entity generates an alternative authentication challenge that does not involve the payment issuer instead of the authentication challenge by the payment issuer.

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. Restrictions on how user data is used by devices, applications, and third-party systems can be imposed via a central portal.

Abstract: A method for peer validation for unauthorized transactions includes receiving a request to validate a user performing a transaction anomaly, wherein the transaction anomaly represents a potential fraudulent financial transaction. The method, responsive to identifying one or more boundaries to search for validation users, identifies a set of validation users in the identified one or more boundaries, where each validation user from the set of validation users has the ability to visually confirm the user performing the transaction as a valid user associated with an account for the transaction anomaly. The method displays information for the valid user associated with the account for the transaction anomaly. The method, responsive to determining the user is not validated for the transaction anomaly, declines the transaction anomaly.

Abstract: In a multi-tenant web services platform, a request is received from a first customer requesting that a second customer be allowed to use a computing resource associated with the first customer. Control of the computing resource is transferred to the second customer based on a constraint selected by the first customer. A first portion of a cost associated with the computing resource is billed to the first customer. The control of the computing resource by the second customer is terminated in accordance with the constraint selected by the first customer.

Abstract: A computer-implemented information protection method comprises: obtaining a plurality of encrypted transaction amounts associated with transactions among a plurality of accounts, wherein each of the encrypted transaction amounts is associated with one of the accounts that sends or receives one of the transaction amounts, and the encryption of each of the transaction amounts at least conceals whether the one account sends or receives the one of the transaction amounts; generating a sum proof based on the obtained encrypted transaction amounts, the sum proof at least indicating that the transaction amounts are balanced; and transmitting the encrypted transaction amounts and the sum proof to one or more nodes on a blockchain network for the nodes to verify the transactions.

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. Restrictions on how user data is used by devices, applications, and third-party systems can be imposed via a central portal.

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/or third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.