Abstract: A method for verifying origin of request for payments may include a financial institution computer program: receiving a request for a payment URL from a merchant, the payment URL provided for a transaction with a customer; generating the payment URL, wherein the payment URL comprises a pointer to a network location for the financial institution; providing the payment URL to a customer electronic device; receiving, from the customer electronic device and at a browsed URL, a stored or pinned certificate of domain for the payment URL; (5) comparing the stored or pinned certificate of domain for the payment URL to a certificate of domain for the browsed URL; presenting a payment page in response to a match; and returning an error in response to a mismatch.

Abstract: System and methods for conducting transactions using a surrogate PIN are disclosed. In one embodiment, at a mobile payment platform comprising at least one computer processor, a method for conducting a transaction may include: (1) receiving an identification of a debit-based payment instrument from an electronic wallet; (2) receiving, from a payment switch, a token for the debit-based payment instrument and a limited use key; (3) associating the token and limited use key with the debit-based payment instrument; and (4) providing the token and limited use key to a digital payment platform for transacting. A surrogate PIN may be provided to a debit payment network from one of the payment switch and a digital payment platform for an issuer.

Abstract: System and methods for supporting legacy and tokenized transactions are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for selecting an electronic payment credential to communicate to a merchant, may include (1) an electronic wallet backend receiving a plurality of payment credentials associated with a payment account; (2) the electronic wallet backend receiving a credential capability for a merchant; (3) the electronic wallet backend selecting one of the payment credentials for a transaction with the merchant based on the credential capability; and (4) the electronic wallet backend communicating the selected payment credential to a point of transaction device for the merchant.

Abstract: A method for providing online security may include: (1) receiving, by a validation computer program executed by a trusted entity backend for a trusted entity, a call from a web browser executed on a customer electronic device browsing a webpage for an online entity, the call comprising an online entity identifier for the online entity and a session identifier, wherein the webpage for the online entity may include a hidden <iframe> comprising code that causes the web browser to execute the call; (2) confirming, by the validation computer program, that a cookie for the trusted entity may be stored on the customer electronic device; and (3) returning, by the validation computer program, a first value indicating that the customer electronic device is known to the trusted entity or a second value indicating that the customer electronic device is not known to the trusted entity based on the confirmation.

Abstract: Systems and methods for homomorphic encryption-based triggering are disclosed. According to an embodiment, a method for homomorphic encryption-based triggering may include: (1) receiving, by a backend computer program executed by a backend electronic device and from a computer program for a client, a trigger condition for an event, the trigger condition encrypted with a public key for an organization and an action to be executed in response to the trigger condition being met; (2) receiving, by the backend computer program, a stream of data encrypted with the public key; (3) comparing, by the backend computer program, the encrypted trigger condition to the encrypted stream of data; (4) determining, by the backend computer program, that the trigger condition is met; and (5) executing, by the backend computer program, the action associated with the trigger condition.

Abstract: Systems and methods for digital identity verification are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital identify verification may include: (1) receiving, from a user electronic device or at a website, an image of an identity document for a user, the identity document comprising an image of the user; (2) processing the identity document with at least one business-specific rule; (3) extracting identity information from the identity document; (4) determining a match rate of the image of the user on the identity document to a captured image; (5) assigning a verification score to the user based on extracted identity information and the match rate; and (6) publishing the verification score to at least one system.

Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Abstract: Systems and methods for providing embedded banking services are disclosed. In one embodiment, a method for providing embedded banking services on an electronic device may include (1) a computer program executed by an electronic device comprising a computer processor generating a request to enable embedded banking services for a financial institution on the electronic device; (2) the computer program communicating the request to a host for the electronic device; (3) the computer program receiving a secure token and an encryption key from one of the host of the electronic device and the financial institution; (4) the computer program storing the secure token and encryption key in secure storage of the electronic device; and (5) the computer program enabling embedded banking services on the electronic device.

Abstract: A method for facilitating predictive caching of data is provided. The method includes retrieving raw data relating to user activity for a plurality of users, the user activity including a history of web resources accessed by a user; converting the raw data into a structured data set based on a predetermined criterion; generating a model based on the structured data set; training the model by using a training data set, the training data set including the user activity for a predetermined period of time; determining, by using the trained model, a predicted first web resource for the user; and automatically caching, in a memory, the predicted first web resource.

Abstract: System and methods for conducting transactions using a surrogate PIN are disclosed. In one embodiment, at a mobile payment platform comprising at least one computer processor, a method for conducting a transaction may include: (1) receiving an identification of a debit-based payment instrument from an electronic wallet; (2) receiving, from a payment switch, a token for the debit-based payment instrument and a limited use key; (3) associating the token and limited use key with the debit-based payment instrument; and (4) providing the token and limited use key to a digital payment platform for transacting. A surrogate PIN may be provided to a debit payment network from one of the payment switch and a digital payment platform for an issuer.

Abstract: Systems and methods for issuer-specified domain control on a payment instrument are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for issuer-specified domain controls on a payment instrument may include: (1) receiving, from an issuer of a financial instrument, an identification of a domain control or restriction on a payment token for the financial instrument, the domain control or restriction to be applied by the issuer; (2) requesting generation of the payment token with a pass-through indicator from a token service provider; (3) receiving, from the token service provider, the payment token; and (4) storing an association of the domain control or restriction and the payment token.

Abstract: A method for local data storage governance may include: authenticating, by a privacy service computer program, a user accessing the privacy service using a privacy application; receiving, by the privacy service computer program and from a proxy service, user activity data; saving, by the privacy service computer program, the user activity data to a privacy database; receiving, by the privacy service computer program and from the privacy application, a request for the user activity data; retrieving, by the privacy service computer program and from the privacy database, the user activity data; communicating, by the privacy service computer program, the user activity data to the privacy application, wherein the privacy application stores the user activity data in local storage; receiving, by the privacy service computer program, an acknowledgement of the user activity data; and purging, by the privacy service computer program, the user activity data from the privacy database.

Abstract: Method and systems for securely and accurately authenticating a payment card by using biometric information associated with an authorized user is provided. The method may be implemented by providing a payment card that includes a processor; a display area coupled to the processor and configured to hide account information when the payment card has not been authenticated and to display the account information for a predetermined time interval when the payment card is authenticated; a sensor coupled to the processor and configured to capture biometric information of a user; and a communication interface coupled to the processor and configured to facilitate wireless communication with a mobile smart phone.

Abstract: Systems and methods for secure digital safe deposit boxes are disclosed. In one embodiment, a method for using a secure digital safe deposit box may include: (1) receiving permission from a customer to access internal and third party financial or confidential information for the customer; (2) retrieving the internal financial or confidential information for the customer; (3) receiving account information accounts held with a third party that holds financial or confidential information; (4) jointly authenticating the customer with the third party; (5) receiving the third party financial or confidential information for the customer from the third party; (6) receiving permission to share at least some of the internal or third party financial or confidential information for the customer with an external party; and (7) sharing the internal or third party financial or confidential information for the customer with the external party in accordance with the permission.

Abstract: Systems and methods for providing embedded banking services are disclosed. In one embodiment, a method for providing embedded banking services on an electronic device may include (1) a computer program executed by an electronic device comprising a computer processor generating a request to enable embedded banking services for a financial institution on the electronic device; (2) the computer program communicating the request to a host for the electronic device; (3) the computer program receiving a secure token and an encryption key from one of the host of the electronic device and the financial institution; (4) the computer program storing the secure token and encryption key in secure storage of the electronic device; and (5) the computer program enabling embedded banking services on the electronic device.

Abstract: Systems and methods for account agnostic transaction routing are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for account agnostic transaction routing may include: (1) receiving an identifier for a first financial instrument for a transaction being conducted at a point of transaction; (2) retrieving a plurality of financial instruments associated with the identifier, the plurality of financial instruments comprising the first financial instrument; (3) retrieving at least one transaction routing rule associated with the plurality of financial instruments, the transaction routing rule specifying a condition for using one of the plurality of financial instruments; (4) identifying one of the plurality of financial instruments for conducting the transaction based on the transaction and the transaction routing rule; and (5) settling the transaction with the identified financial instrument.

Abstract: Systems and methods for providing pre-emptive intercept warning for online privacy or security are disclosed. In one embodiment, at a privacy security appliance comprising at least one computer processor, a method for may include: (1) establishing a virtual private network (VPN) connection with a computer application executed by a client device; (2) receiving, over the VPN connection, an internet protocol (e.g., HTTP or HTTPS) request for a website host; (3) communicating the internet protocol request to the website host; (4) receiving a response to the internet protocol request from the website host; (5) inspecting the response for privacy or security issues with embedded links in the response; (6) scoring the embedded links based on the inspection; (7) generating a mock webpage based on the response comprising the scoring for the embedded links; and (8) delivering the mock webpage with the scoring to the application over the VPN. The mock webpage may include links to the embedded links.

Abstract: Systems and methods for secure digital safe deposit boxes are disclosed. In one embodiment, a method for using a secure digital safe deposit box may include: (1) receiving permission from a customer to access internal and third party financial or confidential information for the customer; (2) retrieving the internal financial or confidential information for the customer; (3) receiving account information accounts held with a third party that holds financial or confidential information; (4) jointly authenticating the customer with the third party; (5) receiving the third party financial or confidential information for the customer from the third party; (6) receiving permission to share at least some of the internal or third party financial or confidential information for the customer with an external party; and (7) sharing the internal or third party financial or confidential information for the customer with the external party in accordance with the permission.

Abstract: Systems, methods, and devices for obfuscation of browser fingerprint data are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method may include: (1) receiving an electronic communication from an electronic device to a destination; (2) identifying a raw device fingerprint value in the electronic communication from an electronic device; (3) selecting at least one replacement value for the raw device fingerprint value; (4) replacing the raw device fingerprint value with the replacement value in the electronic communication; and (5) sending the electronic communication with the replacement value to the destination.

Abstract: Systems and methods for providing pre-emptive intercept warning for online privacy or security are disclosed. In one embodiment, at a privacy security appliance comprising at least one computer processor, a method for may include: (1) establishing a virtual private network (VPN) connection with a computer application executed by a client device; (2) receiving, over the VPN connection, an internet protocol (e.g., HTTP or HTTPS) request for a website host; (3) communicating the internet protocol request to the website host; (4) receiving a response to the internet protocol request from the website host; (5) inspecting the response for privacy or security issues with embedded links in the response; (6) scoring the embedded links based on the inspection; (7) generating a mock webpage based on the response comprising the scoring for the embedded links; and (8) delivering the mock webpage with the scoring to the application over the VPN. The mock webpage may include links to the embedded links.