Abstract: A data processing and analytics system for processing financial related data includes a financial data processing unit that is secured by a security layer. The financial data processing unit and the security layer are embedded in a company native environment. The company has a plurality of data sources for providing raw financial data that is filtered by the security layer prior to transfer to the financial data processing unit. The financial data processing unit includes a raw data storage unit for storing the raw financial data, and a data processing unit for processing the raw financial data via one or more preloaded audit applications. The processed financial data is then employed to generate one or more financial reports that are then transferred to the financial expert externally of the company.

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: Embodiments relate to systems and methods for cloud-based brokerage exchange of software entitlements. A user can host on-premise software applications on physical hardware, and extend those applications to the cloud based on a set of entitlements developed in conjunction with the vendor(s) of the software. The set of entitlements enjoyed by the user and/or offered by the vendor(s) can be exposed to a bidding marketplace via a brokerage engine and associated bidding service, which can be hosted on a Web site. Other users, and/or other vendors interesting in consuming or supplying premise or loud-based images of the software, or related services, can be to obtain or supply those resources through the brokerage service. The license terms including usage rates, number of users or images, security constraints, and/or other terms of software delivery and usage can be recorded in a dynamically updated entitlement database.

Abstract: Technologies are provided for a cloud computing platform (CCP) to request a transaction via a third-party vendor and receive a transaction response result of that transaction from another cloud computing platform having a serverless capability such that at least part of the transaction occurs at the other cloud computing platform. A transaction request having a specific transaction type (TT) is sent to an adapter, which sends another call with the transaction request to the public cloud. The specific TT corresponds to a particular serverless function (SF) of the third-party vendor. A particular template t corresponds to the specific TT. The particular template is a code statement that follows a standard code definition written in the proprietary programming language of the CCP. The other cloud computing platform invokes the particular SF to generate a transaction response that is consumable by the CCP.

Abstract: A method for processing card not present (CNP) transactions includes: receiving an authentication transaction request including authentication transaction data associated with a CNP transaction, receiving an authorization transaction request including authorization transaction data associated with the CNP transaction; in response to receiving the authorization transaction data and the authentication transaction data, determining an authorization decision for the CNP transaction; and communicating the authorization decision. Systems for processing CNP transactions are also disclosed.

Abstract: A method is provided for performing a transaction. The method includes, in an offline mode, payee and payer devices communicating to determine transaction details including a transaction amount. A payer payment application generates a transaction request including request transaction details, stores the transaction request, and updates a payer available funds amount at least partially in accordance with the transaction amount. A payee payment application generates a transaction confirmation including confirmation transaction details, stores the transaction confirmation, and updates a payee available funds amount at least partially in accordance with the transaction amount.

Abstract: A Turing incomplete smart contracting source code for use in a blockchain network is disclosed that allows for static analysis of a smart contract at the time of publishing.

Abstract: Methods and systems for providing merchant in-context checkout are described. A user is authenticated based on credentials received from a first application running on a computing device. An authentication code is provided to the first application. A signed verifier and the authentication code is then received from a second application running on the computing device. The authentication code and the signed verifier received from the second application are then validated, and a device token is provided to the second application upon validation. The device token is exchangeable by the second application for an access token that is usable for making payment calls from the second application.

Abstract: The present specification provides, amongst other things, a method and system for network interaction between computing devices. In one embodiment a wireless client machine is provided that includes a mini web-browser that is configured to access a secure web-page from a web-server. The secure web-page includes an interactive form. The wireless client machine is also configured to access a schema that corresponds to the secure web-page. The wireless client machine is configured to render the secure web-page using the contents of the schema.

Abstract: In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system.

Abstract: Embodiments provide methods, and server systems for enhancing checkout experience of an e-commerce transaction. A method includes receiving, by a server system associated with a payment network, a pre-authentication request signal for a prospective e-commerce transaction for a payment card of user. The pre-authentication request signal includes a time data for an expected transaction time, a transaction amount data, a payment card data and at least one transaction identifier data. The method includes electronically facilitating a pre-authentication of the prospective e-commerce transaction based at least on performing a multi-factor pre-authentication. Upon successful pre-authentication, the method includes storing a pre-authenticated transaction data. The method includes sending a notification signal of successful pre-authentication to a user device.

Abstract: Embodiments of the invention generally relate to mobile payments. For example, an application running on a phone can verify a passcode of a consumer. An indication of whether the passcode was verified and a time associated with when the passcode was verified is then sent to a mobile gateway. Later, when a user conducts one or more transactions, a payment processing network can use the indication sent to the mobile gateway to determine whether a the one or more transactions were conducted within a time window, which can be used to authorize the one or more transactions.

Abstract: This disclosure provides various embodiments of systems and methods for secure communications. In one aspect, the system includes a secure payment module (SPM) in a fuel dispenser and a point-of-state (POS) system. The POS system stores a public key certificate uniquely identifying the SPM and is configured to dynamically generate a first session key. The POS system encrypts the first session key with a public key associated with the public key certificate, and transmits the encrypted first session key to the SPM. The SPM, which stores a private key associated with the public key certificate, is configured to receive and decrypt the first session key. The SPM is further configured to receive a set of magnetic card data from a card reader, encrypt the set of magnetic card data with the first session key, and transmit the encrypted set of magnetic card data to the POS system.

Abstract: The present invention relates to a smart card for generating a virtual card number, and smart card-based virtual card number providing method and program. A smart card-based virtual card number providing method according to an embodiment of the present invention comprises: a step for a virtual card number generation module receiving a virtual card number provision request; a step for the virtual card number generation module synchronizing the time of an encryption algorithm and the smart card; a virtual card number generating step for the virtual card number generation module generating a virtual card number; a step for the virtual card number generation module generating the virtual card number as an encryption code on the basis of the synchronized encryption algorithm; and a step for the virtual card number generation module transmitting the encryption code to the smart card.

Abstract: An apparatus and method for executing a transaction protocol for rights to a non-fungible token (NFT), the apparatus includes at least a processor, a memory communicatively connected to the at least processor, wherein the memory containing instructions configuring the at least processor to receive a data collection, wherein the data collection comprises a plurality of data objects associated with at least one NFT, verify the at least one NFT as a function of the data collection, determine at least one designated utility of the at least one NFT, and generate a self-executing transaction protocol for rights to the at least one NFT as a function of the at least one designated utility of the at least one NFT.

Abstract: A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.

Abstract: Some embodiments may provide a method comprising receiving, from a remote machine, entity-identifying data and form identifying data, the form identifying data to identify a sequence of one or more electronic forms, the sequence including a target electronic form having a form element, determining an entity identifier, based on the entity-identifying data, accessing, from a data store, an entity attribute value based on the entity identifier, and transmitting, to the remote machine, form-filling instructions operable to cause a machine to automatically associate an entity attribute value with the form element.

Abstract: Systems and methods for providing secure application support for NFC devices in both battery on and battery off modes are provided. A first application that requires available host battery supply and a second application that does not require available host battery supply are loaded onto a mobile device. When the second application is enabled, the reader requests user input on a POS device. The first application is enabled when host battery supply is available, and the second application is enabled when no host battery supply is available.

Abstract: A device configured to receive a service request for modifying a user account. The device is further configured to add an entry in a service request log and in an event log in response to receiving the first service request. The device is further configured to apply the modifications instructions from the service request to a current status of the user account in a status log and to modify the current status of the user account in the status log. The device is further configured to determine a second data control device is associated with the user account. The device is further configured to determine the first set of service instructions based on the updated first current status of the user account, to generate a second service request that comprises the first set of service instructions, and to send the second service request to the second network device.

Abstract: The invention relates to systems and methods for providing modular and configurable smart contracts for blockchain applications. The smart contracts may be utilized to retain all transaction attribute values in a world state database of the blockchain-implemented ledger. The systems and methods can further provide for dynamically configurable validation metadata and validation rules for transaction attributes recorded on a blockchain transaction log. The validation metadata and validation rules corresponding to the transaction attributes can be dynamically updated and applied to the transaction attributes to validate or invalidate a transaction.