Abstract: Methods, systems, and computer program products for community detection: (i) obtain a plurality of node embeddings associated with a graph; (ii) determine a number of clusters into which the plurality of node embeddings is to be clustered; (iii) cluster, based on distances between pairs of node embeddings, the plurality of node embeddings into the number of clusters until, for each node embedding in each cluster, a node associated with that node embedding is within k-hops in the graph of each other node associated with each other node embedding in that cluster; (iv) reposition centroids of the number of clusters; (v) repeat steps (iii) and (iv) until a first stopping criteria is satisfied; (vi) repeat steps (ii) through (v) until a second stopping criteria that depends on a conductance of a clustering including the number of clusters is satisfied; and (vii) provide the clustering including the number of clusters.

Abstract: Methods for authenticating digital transactions include receiving a device registration request, a device attestation response including a first token, and a selection of an authentication mode from a device. In response to receiving the device registration request and determining that the selected authentication mode is a static personal identification number (PIN) authentication mode, a device registration response is provided to the device. A first payment transaction request and an enrolment request to authenticate a second payment transaction request using the static PIN authentication mode are subsequently received from the device. The device is communicated with to receive the static PIN from the device. The device is enrolled based on the static PIN. Systems and computer program products are also provided.

Abstract: Methods and systems for intelligently settling bridged transactions are disclosed. The method performed by a server system includes receiving a payment authorization message associated with an ongoing payment transaction from an issuer server. Here, the ongoing payment transaction is a bridged transaction with the issuer server operating in a single message system and an acquirer server operating in a dual message system. Method includes extracting a transaction feature set from the ongoing payment transaction and accessing a historical trend feature set from a database. Method includes generating, by one or more clearing prediction models associated with the server system, a clearing score for the ongoing payment transaction based, at least in part, on the transaction feature set and the historical trend feature set. Method includes transmitting a hold transaction message to the issuer server based, at least in part, on the clearing score being lower than a predefined threshold.

Abstract: Embodiments of the invention are directed to access transactions. A gate access device may interact with a payment card such as a credit card. The gate access device may generate and transmit a first authorization request message to a payment processing network computer. The first authorization request message does not include an amount for the transaction, but only contains identification information. A first authorization response message is transmitted back to the gate access device. At a later point in time, a second authorization request message containing the transaction amount is transmitted from the gate access device to the issuer, and a response is received from the issuer.

Abstract: Particular embodiments receive, by a payment service in association with a user account associated with a service provider, an identity verification submission associated with an identifier and a name. The payment service, for the phone number, queries contact records associated with user accounts associated with the service provider. The payment service receives, as a result of the query, several name options associated with the phone number, where each of the name options are stored in individual contact records. The payment service determines a name option of the several name options to associate with the identifier based at least in part on a similarity of individual name options to other name options. The payment service approves or rejects the identity verification submission based at least in part on the determined name option.

Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.

Abstract: In some aspects, the techniques described herein relate to a method including: receiving, at a machine learning engine and as input to the machine learning engine, a digital image file, wherein the digital image file includes an image of a transaction receipt; outputting, by the machine learning engine, text from the digital image file that is recognized by the machine learning engine, wherein the text recognized by the machine learning engine includes a transaction identifier, a transaction amount, and a tip amount; populating, by a point-of-sale device, a transaction finalizing form with the transaction amount and the tip amount; receiving, at the point-of-sale device and via the transaction finalizing form, a command to finalize a transaction associated with the transaction identifier; and initiating, by the point-of-sale device, an update command, wherein the update command updates a record of a datastore associated with the transaction identifier with the tip amount.

Abstract: Validation/authorization of nodes within a distributed trust computing network for participation in consensus mechanisms. The validation/authorization is based at least on current geo-location of the node being within predefined geo-location boundaries. Geo-location of a node may be proven by receiving geo-coordinates from a geo-receiver connected to the node and in synch with a geo-satellite or, when geo-signals are unavailable, through secondary geo-receivers. Additionally, validation/authorization of nodes for participation in consensus mechanisms is based further on whether the node currently holds digital property or holds a specified amount of digital property.

Abstract: The following relates generally to building a ground truth insurance database. In some embodiments, one or more processors: (1) receive potential insurance database information comprising (i) insurance company application (app) information, (ii) anonymized insurance claim information, (iii) police report information, and/or (iv) auxiliary information; (2) retrieve, from an insurance ground truth insurance database, existing ground truth insurance information by querying the ground truth database based upon the potential insurance database information; (3) determine if the potential insurance database information should be added to the insurance ground truth database by comparing the potential insurance database information to the existing ground truth insurance information; and/or (4) if the potential insurance database information should be added to the insurance ground truth database, add the potential insurance database information to the insurance ground truth database.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system.

Abstract: Examples describe data security for communication systems. One example includes validating a merchant system using merchant data and generating a set of merchant credentials. The set of merchant credentials is then used in authentication to facilitate a secure transaction, which involves automatically generating transaction data with a tokenized client account number associated with the secure transaction. A refund request associated with the secure transaction is received with the set of merchant credentials that are used for automatically authenticating the merchant system. The example then involves accessing a database that includes the transaction data for automatically facilitating settlement of a refund payment using the authenticated merchant system and the transaction data.

Abstract: Embodiments of this specification disclose a method, an apparatus, and a device for accessing an aggregation code payment page, and a medium. The solution includes: obtaining, by a first server, an access request sent by a terminal, where the access request is generated by the terminal by scanning a target aggregation code, and the access request includes code information of the target aggregation code and a terminal identifier of the terminal; obtaining a first redirection address corresponding to the code information; sending a payment request for the target aggregation code based on the first redirection address; obtaining target page information of a payment page corresponding to the target aggregation code; and sending the target page information to the terminal.

Abstract: The present disclosure is directed toward an automated recommendation techniques. In an embodiment, the automated recommendation technique has steps that include accessing user data associated with a user account and identifying product data associated with one or more products, wherein the one or more products are associated with a user of the user account. Furthermore, the method includes determining a status of the one or more products. Additionally, the steps include pushing a recommendation to a user device based on the status of the one or more products.

Abstract: A computer platform for securely performing an electronic purchase transaction, including: a user interface for receiving payment card data; a token generator configured for generating a payment card token corresponding to the payment card data; a passkey generator; a cryptographic binding system configured for cryptographically binding the payment card token to the passkey; and a payment processing system configured for sending the payment card data to a merchant after the user has used the passkey to unlock the payment card data in the payment card token.

Abstract: The present invention generally relates to computer systems, methods and program products that allow a digital asset exchange to provide an option to customers to lend all or a portion of the digital assets associated with at least a first blockchain and held by the exchange on behalf of the customer in exchange for payments such as interest.

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 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 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 secure exchange posting information for the CAT to produce an updated CAT. The method further includes causing, using the securely passing process, generation of a new block affiliated with the updated CAT via another blockchain of another object distributed ledger for a secure exchange, where the new block includes the updated CAT.

Abstract: The invention relates to a transaction verification system for authenticating a transaction performed at a transaction system. The transaction system provides a visual presentation of the transaction, comprising uncoded data and machine-extractable coded data. The transaction system also provides verification data for verifying one or more authenticity features of at least part of the uncoded data. The verification data can be obtained based on the coded data. A transaction verification device obtains, using an image interface, one or more camera images of the visual presentation of the transaction, and these camera images are then used to verify the one or more authenticity features based on the verification data.

Abstract: A system and method for verifying a signature in real-time when authenticating a card-based transaction. Initially, a digital reference signature is captured on a mobile device, sent in hashed form to a rules engine, and evaluated for features such as length, time, orientation, area, and pressure changes. Subsequently, a digital transaction signature is captured on a POS terminal, sent in hashed form to the rules engine via an acquirer, and evaluated for the same features. The rules engine compares the features of the signatures. If the transaction signature is verified, the rules engine sends an authentication token to the acquirer, and the acquirer sends the token and an authorization request to an issuer. If not, the acquirer sends a denial message to the merchant. If the power level of the POS terminal is insufficient to properly capture the transaction signature for effective evaluation, then an alternative authentication method is used.

Abstract: Systems and methods of executing a real-time electronic transaction by a real-time transaction system are disclosed. One method includes receiving, by an application programing interface (API) system, an electronic transaction request from a user. The API system may transmit the electronic transaction request to a choreographer system. The choreographer system may transmit a validation API call based on the electronic transaction request to an account system. The account system may determine whether an account associated with the electronic transaction request exists in the real-time transaction system. The choreographer system may transmit an authorization API call based on the electronic transaction request to an authorization system. The choreographer system may receive an authorization response from the authorization system.

Abstract: A method of validating a transaction in a client-server environment, the method including: receiving a transaction request from a user at a client device; executing a command at the client device associated with the transaction request based on a state data corresponding to the user at the client device; transmitting a request by the client device to a server for execution of the command at the server, upon the command being executed at the client device; executing the command by the server using a copy of the state data stored on the server, upon receiving the request from the client device, for validating the transaction associated with the transaction request at the client device by the server; and performing one of: allowing the transaction or preventing the transaction, at the client device by the server, based on the execution of the command at the server.