Abstract: A method and system corresponding to a secure architecture for executing Internet of Things (IoT) device actions using blockchains is described. A network of IoT devices can manage two blockchains. The first blockchain can store operational data, collected from the IoT devices and written to the first blockchain. A second blockchain can be used to store action data.

Abstract: Provided is a method for matching card transaction data to mobile application data. The method may include generating a plurality of regions within a geographic area, each region of the plurality of regions associated with a region identifier. Transaction data associated with an account identifier and mobile application data associated a user identifier may be received. A region for each transaction and for each interaction may be determined based on the transaction and interaction locations. A transaction signature may be generated for each account and an interaction signature may be generated for each user identifier. At least one transaction may be matched to at least one interaction signature. At least one account identifier may be linked to at least one user identifier based on matching the at least one transaction signature to the at least one interaction signature. A system and computer program product are also disclosed.

Abstract: Provided is a method for matching card transaction data to mobile application data. The method may include generating a plurality of regions within a geographic area, each region of the plurality of regions associated with a region identifier. Transaction data associated with an account identifier and mobile application data associated a user identifier may be received. A region for each transaction and for each interaction may be determined based on the transaction and interaction locations. A transaction signature may be generated for each account and an interaction signature may be generated for each user identifier. At least one transaction may be matched to at least one interaction signature. At least one account identifier may be linked to at least one user identifier based on matching the at least one transaction signature to the at least one interaction signature. A system and computer program product are also disclosed.

Abstract: Provided is a system, method, and computer program product for adjusting a model. The method includes training or receiving a model based on transaction data for a plurality of account holders, the model configured to classify each individual of the plurality of account holders, segmenting each individual of at least a portion of account holders of the plurality of account holders into at least one subgroup of a plurality of subgroups, separately executing the model for each subgroup of the plurality of subgroups by inputting, into the model, a portion of the transaction data associated with individuals in each subgroup, comparing a plurality of outputs of the model resulting from the separate execution of the model for each subgroup of the plurality of subgroups, and adjusting the model based on at least one differential between the plurality of outputs.

Abstract: A method includes a full node storing a blockchain and being one of a plurality of full nodes forming a blockchain network receiving a message comprising update image data and a smart contract identifier from a first user device. The full node can then determine stored image data associated with the smart contract identifier. The full node can also determine whether or not image comparison data based on received image data and stored image data is consistent with a smart contract associated with the smart contract identifier and can then generate an entry for a block of the blockchain, comprising at least the smart contract identifier, the updated image data, and image comparison data. The full node can generate the block of the blockchain and transmit the block to the plurality of full nodes. The plurality of full nodes respectively verify the block.

Abstract: A method and system corresponding to a secure architecture for executing Internet of Things (IoT) device actions using blockchains is described. A network of IoT devices can manage two blockchains. The first blockchain can store operational data, collected from the IoT devices and written to the first blockchain. A second blockchain can be used to store action data.

Abstract: A method includes a full node storing a blockchain and being one of a plurality of full nodes forming a blockchain network receiving a message comprising update image data and a smart contract identifier from a first user device. The full node can then determine stored image data associated with the smart contract identifier. The full node can also determine whether or not image comparison data based on received image data and stored image data is consistent with a smart contract associated with the smart contract identifier and can then generate an entry for a block of the blockchain, comprising at least the smart contract identifier, the updated image data, and image comparison data. The full node can generate the block of the blockchain and transmit the block to the plurality of full nodes. The plurality of full nodes respectively verify the block.

Abstract: A technique for embedding and utilizing credentials in a network address may include requesting a network address for a client device by providing an account identifier to a server computer associated with a service provider. A network address that is mapped to the account identifier can be assigned to the client device. The network address may include a routing prefix field and a network interface identifier field. The routing prefix field may include an issuer identifier of an issuer of the account, and the network interface identifier field may include an interface identifier that maps to the account identifier. By embedding credentials such as an account identifier in the network address, the actual account identifier need not be transmitted to perform actions on the account.

Abstract: A method and system corresponding to a secure architecture for executing Internet of Things (IoT) device actions using blockchains is described. A network of IoT devices can manage two blockchains. The first blockchain can store operational data, collected from the IoT devices and written to the first blockchain. A second blockchain can be used to store action data.

Abstract: A technique for embedding and utilizing credentials in a network address may include requesting a network address for a client device by providing an account identifier to a server computer associated with a service provider. A network address that is mapped to the account identifier can be assigned to the client device. The network address may include a routing prefix field and a network interface identifier field. The routing prefix field may include an issuer identifier of an issuer of the account, and the network interface identifier field may include an interface identifier that maps to the account identifier. By embedding credentials such as an account identifier in the network address, the actual account identifier need not be transmitted to perform actions on the account.

Abstract: Provided is a method for matching card transaction data to mobile application data. The method may include generating a plurality of regions within a geographic area, each region of the plurality of regions associated with a region identifier. Transaction data associated with an account identifier and mobile application data associated a user identifier may be received. A region for each transaction and for each interaction may be determined based on the transaction and interaction locations. A transaction signature may be generated for each account and an interaction signature may be generated for each user identifier. At least one transaction may be matched to at least one interaction signature. At least one account identifier may be linked to at least one user identifier based on matching the at least one transaction signature to the at least one interaction signature. A system and computer program product are also disclosed.

Abstract: Provided is a system and computer-implemented method for encoding account tokens in image files. The method includes receiving, from a user associated with an account identifier, an identification of at least one image, generating at least one token based on the account identifier of the user, encoding the at least one token in the at least one image, resulting in at least one tokenized image, and communicating the at least one tokenized image to a transaction processing system, wherein the transaction processing system is configured to conduct a transaction based on the tokenized image.

Abstract: A method and system corresponding to a secure architecture for executing Internet of Things (IoT) device actions using blockchains is described. A network of IoT devices can manage two blockchains. The first blockchain can store operational data, collected from the IoT devices and written to the first blockchain. A second blockchain can be used to store action data.

Abstract: A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.

Abstract: A gateway system is provided that translates image and other media-based transaction data to another format suitable for processing by a participant in the transaction. Some payment systems use barcodes for image-based transactions while other payment systems use any one of several QR code formats. The gateway system allows a participant to securely upload image-based data which the participant is unable to process. The gateway will return the transaction data in a format usable by the participant for continuing a transaction.

Abstract: A technique for embedding and utilizing credentials in a network address may include requesting a network address for a client device by providing an account identifier to a server computer associated with a service provider. A network address that is mapped to the account identifier can be assigned to the client device. The network address may include a routing prefix field and a network interface identifier field. The routing prefix field may include an issuer identifier of an issuer of the account, and the network interface identifier field may include an interface identifier that maps to the account identifier. By embedding credentials such as an account identifier in the network address, the actual account identifier need not be transmitted to perform actions on the account.

Abstract: A method includes a full node storing a blockchain and being one of a plurality of full nodes forming a blockchain network receiving a message comprising update image data and a smart contract identifier from a first user device. The full node can then determine stored image data associated with the smart contract identifier. The full node can also determine whether or not image comparison data based on received image data and stored image data is consistent with a smart contract associated with the smart contract identifier and can then generate an entry for a block of the blockchain, comprising at least the smart contract identifier, the updated image data, and image comparison data. The full node can generate the block of the blockchain and transmit the block to the plurality of full nodes. The plurality of full nodes respectively verify the block.

Abstract: A system and method to communicate individualized/customized messages to a vehicle based on the location of the vehicle, operation statuses the vehicle, and/or mobile devices of occupants of the vehicle.

Abstract: Accounts are grouped via database connections to form account groups that can be used to efficiently track the propagation of resources or privileges. Virtual accounts can be grouped via non-replaceable connections, where each of the virtual accounts is limited for online transactions with a predefined website without a respective account identification device for presenting account identification information to a reader of a transaction terminal for offline transactions. A primary account in a non-replaceable group of virtual accounts may include (or be linked to) resources and/or privileges that can be propagated to the secondary accounts in the non-replaceable group. The primary account may be a virtual account, or a non-virtual account.

Abstract: A system is disclosed that incorporates mobile devices (such as mobile phones or smart watches), a user profile stored in the cloud, and a triggered device (e.g., point-of-sale terminals or ATM terminals) such that the mobile devices communicate user interactivity information to the triggered device, and the triggered device provides transactional predictions, recommendations, and preferences to the user to interact before making purchases on the triggered device.