Abstract: Systems, methods, and machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. Some embodiments provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.

Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.

Abstract: A computational approach is proposed herein for controlling a user interface for rendering of interactive graphical control elements representing offers and coupons that are inserted into a computational payment process. In particular, the offers and coupons can interact with stored payment information resident (or tokens thereof) on a digital wallet data structure. The approach can be implemented as a computing system, a computing method operable on a computing system, or a computer program product affixed in the form of a non-transitory computer readable medium storing machine-interpretable instructions.

Abstract: A user device operating a browser extension adapted for machine-learning based field value injection into a browser session is described herein, the machine-learning based field value injection coordinated between local edge computing storage and a centralized federated machine learning model computing backend. A plurality of separate local machine learning models are configured for interoperation with a centralized federated machine learning model computing backend to distribute computational activities and cost associated with updating machine learning models. An autofill local machine learning model is used to autofill certain fields based on a model locally trained using interaction data tracked by the browser extension.

Abstract: An electronic payment device and methods of its operation are disclosed. The payment device has a secure element for storing payment tokens, each associated with a payment card; an input interface that enables a user to select from among the payment cards; a display interface; and a processor. In response to a user selection of one of the payment cards by way of the input interface, a descriptor of the selected payment card is displayed by way of the display interface; and an unconsumed one of the payment tokens associated with the selected payment card is activated to prepare the payment card device for effecting payment using the selected payment card, thereby consuming the payment token. The payment device also includes a wireless communication interface for receiving additional payment tokens, thereby replenishing the payment tokens.

Abstract: Embodiments generally relate to the field of reward processing, and more particularly, systems, methods, and computer readable media for digital reward processing utilizing distributed ledger technology. Distributed ledger technology is utilized wherein distributed ledgers are stored on a plurality of node computing devices, the distributed ledgers including sequential entries that are cryptographically linked to one another.

Abstract: An improved approach is proposed for adapting available NFC channels to establish a bi-directional NFC channel where no such channel would otherwise be available. The approach is adapted for usage between a mobile device and a target receiver, such as a point of sale (POS) device, both having NFC capabilities. Specific approaches are proposed to orchestrate communications to prevent collisions. The NFC channels can be operated alongside secure elements to establish a dynamic cryptographic handshake that is used for enhancing trust levels for sensitive communications or transactions.

Abstract: A computer system and method for tokenizing an IoT device is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method obtaining device information, generating a credential token based on the device information, and processing an electronic transaction using the credential token.

Abstract: Systems and methods for establishing data linkages are described in various embodiments. A system architecture is described which provides a data processing orchestrator device or service which securely interoperates with data sets at various points in time associated with a set of interactions a user may have with computer systems. The data sets are obtained from different data repositories, and are combined together for analysis such that a first data set representing intents (e.g., web search/browse history) can be combined together with a second data set representing outcomes (e.g., purchase transaction history, web site shopping carts).

Abstract: System and method for facilitating management of a time-varying resource pool are provided. The system includes a processor and a memory coupled to the processor. The memory stores processor-executable instructions that, when executed, configure the processor to: obtain a time-series data set including data entries associated with one or more consumed resources; identify one or more recurring resource allocations based on recurring data entries of the time-series data set; identify additional resource allocations based on irregularly-timed data entries of the time-series data set; determine a forecasted resource pool value based on a combination of the identified recurring resource allocations and the additional resource allocations; and upon detection of a trigger condition, generate data for display, via a user interface, a scaled resource allocation value based on the forecasted resource pool value.

Abstract: An electronic payment device and methods of its operation are disclosed. The payment device has a secure element for storing payment tokens, each associated with a payment card; an input interface that enables a user to select from among the payment cards; a display interface; and a processor. In response to a user selection of one of the payment cards by way of the input interface, a descriptor of the selected payment card is displayed by way of the display interface; and an unconsumed one of the payment tokens associated with the selected payment card is activated to prepare the payment card device for effecting payment using the selected payment card, thereby consuming the payment token. The payment device also includes a wireless communication interface for receiving additional payment tokens, thereby replenishing the payment tokens.

Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.

Abstract: An improved approach for confidential federated machine learning and in particular, federated inference is proposed that is configured for coordinated interoperation of local computing instances that are separate from one another that operate with a model aggregator, and there are separate global and local model data architectures that are being updated periodically. Confidential embeddings in the form of representations of determined gradients determined based on local training using local data, for example, are passed securely between instances.

Abstract: A system for processing data within a Trusted Execution Environment (TEE) of a processor is provided. The system may include: a trust manager unit for verifying identity of a partner and issuing a communication key to the partner upon said verification of identity; at least one interface for receiving encrypted data from the partner encrypted using the communication key; a secure database within the TEE for storing the encrypted data with a storage key and for preventing unauthorized access of the encrypted data within the TEE; and a recommendation engine for decrypting and analyzing the encrypted data to generate recommendations based on the decrypted data.

Abstract: Systems and methods for secure communication of data packets are described using a communications gateway and protocol. One or more payment generator devices utilize trusted execution environments to store identity attestation parameters which are then utilized during registration and/or validation of device identity at the gateway for secure transmission of secure data, including, for example, payment data.

Abstract: Systems and methods for establishing data linkages are described in various embodiments. A system architecture is described which provides a data processing orchestrator device or service which securely interoperates with data sets at various points in time associated with a set of interactions a user may have with computer systems. The data sets are obtained from different data repositories, and are combined together for analysis such that a first data set representing intents (e.g., web search/browse history) can be combined together with a second data set representing outcomes (e.g., purchase transaction history, web site shopping carts).

Abstract: Systems, devices, methods, and computer readable media are provided in various embodiments having regard to authentication using secure tokens, in accordance with various embodiments. An individual's personal information is encapsulated into transformed digitally signed tokens, which can then be stored in a secure data storage (e.g., a “personal information bank”). The digitally signed tokens can include blended characteristics of the individual (e.g., 2D/3D facial representation, speech patterns) that are combined with digital signatures obtained from cryptographic keys (e.g., private keys) associated with corroborating trusted entities (e.g., a government, a bank) or organizations of which the individual purports to be a member of (e.g., a dog-walking service).

Abstract: Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.

Abstract: There is provided a computer system and method for orchestrating user interface, the method include: obtaining a first data set representative of intercepted data communication messages between a user interface of a user and a merchant hosting server; obtaining a second data set representing an instruction set for loading visual elements on the user interface provided from the merchant hosting server; analyzing the first data set to obtain one or more user-specific characteristics; determining if the user-specific characteristics associated with the user satisfy a trigger condition associated with a current resource offering; and responsive to a positive determination: injecting, into the instruction set for loading the visual elements on the user interface provided from the merchant hosting server, code corresponding to an interactive visual element corresponding to the current resource offering.

Abstract: A system for processing data within a Trusted Execution Environment (TEE) of a processor is provided. The system may include: a trust manager unit for verifying identity of a partner and issuing a communication key to the partner upon said verification of identity; at least one interface for receiving encrypted data from the partner encrypted using the communication key; a secure database within the TEE for storing the encrypted data with a storage key and for preventing unauthorized access of the encrypted data within the TEE; and a recommendation engine for decrypting and analyzing the encrypted data to generate recommendations based on the decrypted data.