Abstract: Through a missing entity process any point of sale (POS) terminal can be used to help a missing entity contact find a missing entity. A missing entity system can receive a request that includes at least missing entity account information and merchant information as transmitted from the POS terminal. The request may be a missing entity service request (an API call) requesting a missing entity alert or a conventional transaction request, such as an authorization request or a preauthorization request. Upon receipt of the request, the missing entity system can obtain contact information for a missing entity contact associated with the missing entity account information and communicate, via a messaging application, the missing entity alert to the missing entity contact using the obtained contact information. The missing entity alert notifies the missing entity contact of the location of the missing entity as indicated by the merchant information.

Abstract: System and methods perform identity freezing. A user input requesting halting of operations related to a plurality of accounts or profiles of the user at different local systems is received. In response, a token mapping database is accessed to identify a personally identifiable information (PII) token for the user. A freeze message with the PII token is transmitted to the different local systems to halt operations associated with the plurality of accounts or profiles of the user. Thereafter, at the different local systems, the operations associated with the plurality of accounts or profiles of the user are halted to freeze an identity of the user. More efficient communication and operations to freeze the user accounts and profiles thereby result.

Abstract: Systems, apparatuses and methods may provide for technology to identify image data, identify eye data from the image data, where the eye data includes one or more of an eye movement of a user or a point of gaze of the user on a display, and determine whether to authenticate the user based on the one or more of the eye movement or the point of gaze.

Abstract: Split integrator model methods and systems for conducting a consumer purchase transaction. In an embodiment, a payment system receives a checkout request message comprising checkout request data from a mobile device application running on a consumer mobile device of a consumer, identifies a payload recipient based on the checkout request data, and then transmits a transaction payload to the payload recipient that includes at least a merchant identifier, payment card account details and a purchase transaction amount. The process also includes the payment system receiving a transaction authorization request from the payload recipient, and then transmitting the transaction authorization request for purchase transaction authorization processing to an issuer financial institution (FI) computer.

Abstract: A privacy filter for internet of things (IOT) devices and can include a processor, a profile resource, a device interface, an external network interface, and a storage having instructions for filtering processes and encoding processes (e.g., appropriate processes of a software development kit (SDK)). The privacy filter can receive a payload comprising audio content from a connected device; obtain filter criteria for the connected device; identify portions of the payload satisfying the filter criteria; and affect audio of the audio content corresponding to the identified portions of the payload. after affecting the audio, the privacy filter can reassemble the payload according to an IOT provider SDK and can communicate the reassembled payload to an IOT provider service.

Abstract: Methods, systems, and computer readable media for electronically facilitating streaming payments are provided. An exemplary method includes receiving a request to access protected media content hosted by a content provider, determining a minimum currency increment based on a user designated payment type, and establishing a predefined content increment that corresponds to the protected media content. The method further includes determining a minimum session expense ratio based on the minimum currency increment and the predefined content increment, initiating a user session that permits access to the protected media content, and determining a quantification of protected media content that is consumed at a termination of the user session.

Abstract: Systems and methods are provided for use in verifying network identities. One exemplary method includes receiving, at a computing device, data associated with multiple user devices of a user and relating to one or more identity attributes of the user. The method then includes, in response to a request for authentication of the user, generating an aggregate score based on multiple of a reliability sub score, a length of relationship sub score, and a historical consistency sub score for each of the multiple user devices taking into account at least some of the received data. The aggregate score may then be transmitted to a relying party in response to the request, thereby permitting the relying party to authenticate the user based at least in part on the aggregate score.

Abstract: A method and a system are provided for processing payment card transactions in conjunction with a user device configured to detect intoxicated use. The user device includes a behavior detection application which can detect whether a user is intoxicated using the device's motion sensing hardware, user endpoint data, and application level data. When the user attempts a transaction while intoxicated, the user's device can detect that the user is impaired or sober. If impaired, the payment card system can deny the transaction. If sober, the payment card system can offer incentives for certain transactions. The payment card system can also allow sponsoring entities to pay for transactions that incentivize better behavior when a user is intoxicated or support transactions for sober users.

Abstract: A privacy filter for internet of things (IOT) devices and can include a processor, a profile resource, a device interface, an external network interface, and a storage having instructions for filtering processes and encoding processes (e.g., appropriate processes of a software development kit (SDK)). The privacy filter can receive a payload comprising audio content from a connected device; obtain filter criteria for the connected device; identify portions of the payload satisfying the filter criteria; and affect audio of the audio content corresponding to the identified portions of the payload. after affecting the audio, the privacy filter can reassemble the payload according to an IOT provider SDK and can communicate the reassembled payload to an IOT provider service.

Abstract: A computing device executing a payment application with prescription feature can initiate an optimized prescription fill request of a medical prescription via a payment network by at least transmitting user information including a name of a patient to a payment gateway such as a point of sale terminal or online payment gateway; receive pricing options for the medical prescription from a server supporting optimized prescription filling; obtain pharmacy information including names and/or addresses of at least one pharmacy that can fill the medical prescription; provide the pricing options for the medical prescription via a user interface; provide the pharmacy information via the user interface; receive a selection of a pharmacy of the at least one pharmacy and a payment indication; and transmit the selection of the pharmacy and the payment indication to the payment gateway.

Abstract: Systems and methods are provided for using an identity provider (IDP) to implement enrollment of a user to a relying party. One exemplary method includes receiving a login credential for a user from a relying party in connection with enrolling the user to the relying party, where the user is associated with a digital identity and the digital identity includes personal identifying information (PII) of the user. The method also includes generating a one-time-passcode (OTP) and transmitting the OTP to a communication device bound to the digital identity associated with the user, receiving an OTP from the relying party, and when the OTP generated by the computing device matches the OTP received from the relying party, compiling an enrollment file for the user including at least a portion of the PII of the user. The method then includes transmitting the enrollment file to the relying party.

Abstract: Systems, apparatuses and methods may provide for technology to identify image data, identify eye data from the image data, where the eye data includes one or more of an eye movement of a user or a point of gaze of the user on a display, and determine whether to authenticate the user based on the one or more of the eye movement or the point of gaze.

Abstract: Through a missing entity process any point of sale (POS) terminal can be used to help a missing entity contact find a missing entity. A missing entity system can receive a request that includes at least missing entity account information and merchant information as transmitted from the POS terminal. The request may be a missing entity service request (an API call) requesting a missing entity alert or a conventional transaction request, such as an authorization request or a preauthorization request. Upon receipt of the request, the missing entity system can obtain contact information for a missing entity contact associated with the missing entity account information and communicate, via a messaging application, the missing entity alert to the missing entity contact using the obtained contact information. The missing entity alert notifies the missing entity contact of the location of the missing entity as indicated by the merchant information.

Abstract: System and methods perform identity freezing. A user input requesting halting of operations related to a plurality of accounts or profiles of the user at different local systems is received. In response, a token mapping database is accessed to identify a personally identifiable information (PII) token for the user. A freeze message with the PII token is transmitted to the different local systems to halt operations associated with the plurality of accounts or profiles of the user. Thereafter, at the different local systems, the operations associated with the plurality of accounts or profiles of the user are halted to freeze an identity of the user. More efficient communication and operations to freeze the user accounts and profiles thereby result.

Abstract: An on demand autonomous vehicle application (“AV application”) and service (“AV service”) is provided. The AV service can obtain consumer parameters for an autonomous vehicle use case defined by a user and map the consumer parameters to an available autonomous vehicle. The AV service can map the consumer parameters to the available autonomous vehicle by querying a data resource for registered autonomous vehicles that satisfy baseline criteria using at least one of the consumer parameters to obtain a scoped set of autonomous vehicles; obtaining current state information for each autonomous vehicle of the scoped set of autonomous vehicles; and identifying an autonomous vehicle of the scoped set of autonomous vehicles as the available autonomous vehicle when the current state information of that autonomous vehicle satisfies the autonomous vehicle use case. The AV service can then provide information of the available autonomous vehicle that is mapped to the consumer parameters.

Abstract: Methods, systems, and computer readable media for electronically facilitating streaming payments are provided. An exemplary method includes receiving a request to access protected media content hosted by a content provider, determining a minimum currency increment based on a user designated payment type, and establishing a predefined content increment that corresponds to the protected media content. The method further includes determining a minimum session expense ratio based on the minimum currency increment and the predefined content increment, initiating a user session that permits access to the protected media content, and determining a quantification of protected media content that is consumed at a termination of the user session.

Abstract: Systems and methods are provided for use in verifying network identities. One exemplary method includes receiving, at a computing device, data associated with multiple user devices of a user and relating to one or more identity attributes of the user. The method then includes, in response to a request for authentication of the user, generating an aggregate score based on multiple of a reliability sub score, a length of relationship sub score, and a historical consistency sub score for each of the multiple user devices taking into account at least some of the received data. The aggregate score may then be transmitted to a relying party in response to the request, thereby permitting the relying party to authenticate the user based at least in part on the aggregate score.

Abstract: Systems and methods are provided for authenticating users based on user vehicle profiles. On exemplary method includes capturing vehicle data for a user during a driving session of the user at a vehicle, where the vehicle data is associated with at least one of: a steering wheel, a turn signal, a seat, and an entertainment system of a vehicle. The method also includes, in response to a request to authenticate the user during the driving session, comparing the vehicle data captured during the driving session to a user vehicle profile associated with an identified user stored in a memory and emitting, via wireless network adapter, a token associated with the user vehicle profile, during the driving session, in response to the vehicle data captured during the driving session substantially matching the user vehicle profile, thereby indicating authentication of the user as the identified user.

Abstract: Systems and methods are provided for using an identity provider (IDP) to implement enrollment of a user to a relying party. One exemplary method includes receiving a login credential for a user from a relying party in connection with enrolling the user to the relying party, where the user is associated with a digital identity and the digital identity includes personal identifying information (PII) of the user. The method also includes generating a one-time-passcode (OTP) and transmitting the OTP to a communication device bound to the digital identity associated with the user, receiving an OTP from the relying party, and when the OTP generated by the computing device matches the OTP received from the relying party, compiling an enrollment file for the user including at least a portion of the PII of the user. The method then includes transmitting the enrollment file to the relying party.