Abstract: Example embodiments disclose systems and methods for provisioning a virtual card number (VCN) directly to the merchant processor responsible for a consumer transaction. The VCN can be restricted according to one or more restrictions and in some embodiments, a predictive model can generate the one or more restrictions.

Abstract: The disclosed systems and techniques discussed herein include one or more servers receiving a request to authenticate a publisher's identity for publishing a post. A server receives encrypted data from a computing device, generated by a contactless card, and transmitted through the computing device. The server decrypts the encrypted data using a key associated with the contactless card. Based on the decryption, the server authenticates the identity of the publisher. If the authentication is successful, the server sends an indication of the publisher's authenticity, which enables the display of a status symbol on the post as an indicator that the publisher's identity is verified.

Abstract: Systems, methods, articles of manufacture, and computer-readable media. A web browser of a device may receive selection of a uniform resource locator (URL). An operating system may download an application from an application server based on the URL. The application may identify a plurality of applications installed on the device and select a first institution corresponding to a first application. The application may receive a cryptogram from a contactless card associated with the first institution and transmit the cryptogram to an authentication server. The application may receive an authentication result specifying the authentication server decrypted the cryptogram. The web browser may receive, based on the decryption of the cryptogram, an account number, an expiration date associated with the account number, and a card verification value (CVV) associated with the account number. The web browser may provide the account number, expiration date, and CVV to a server associated with the application.

Abstract: Provided herein are systems and methods for providing low-friction layered authentication to provide account information with a single user pin input for an online payment transaction. A user provides an online payment service with a UID, which sends the UID to a financial institution. The financial institution verifies whether the user and online payment transaction associated with the UID satisfy a set of rules. A one-time pin is sent to provide an additional layer of authentication. Once the authentication is complete, the financial institution provides account information to the online payment service for use in the online payment transaction.

Abstract: Disclosed herein are system, method, and computer readable media embodiments for global identity verification of a user for multiple services. In some embodiments, a centralized authentication platform (CAP) may receive a request from an independent service to generate an authentication token for a client device based on authentication performed by the service. The CAP may generate an authentication token of a particular authorization level, based on the method of authentication used by the service. The CAP may send the token to the client device as well as store the token in a database. The CAP may receive a second request from a second, unrelated service to validate the authentication token on the client device. The CAP may validate the token on the client device against the token in the database based on an authentication level thereof, and send a response to the second service indicating token validity.

Abstract: A system and techniques to perform functions within a multiple banking system environment utilizing switchboard routing.

Abstract: Systems and methods are disclosed herein for real-time digital authentication. According to some embodiments, receiving a hashed user credential from the third party entity, performing a matching operation between the received hashed user credential and a stored hashed credential stored in the non-transitory memory, the received hashed user credential and the stored hashed credential being hashed using the same hashing algorithm, and in response to detecting a match between the received hashed user credential and the stored hashed user credential, performing a user eligibility operation associated with the first transaction.

Abstract: Systems, methods, articles of manufacture, and computer-readable media. A web browser of a device may receive selection of a uniform resource locator (URL). An operating system may download an application from an application server based on the URL. The application may identify a plurality of applications installed on the device and select a first institution corresponding to a first application. The application may receive a cryptogram from a contactless card associated with the first institution and transmit the cryptogram to an authentication server. The application may receive an authentication result specifying the authentication server decrypted the cryptogram. The web browser may receive, based on the decryption of the cryptogram, an account number, an expiration date associated with the account number, and a card verification value (CVV) associated with the account number. The web browser may provide the account number, expiration date, and CVV to a server associated with the application.