Abstract: An authenticated data sharing system may include a contactless card comprising a processor and a memory including one or more applets and an application comprising instructions for execution on a device. The application is configured to determine a capability associated with the contactless card after a first entry into a communication field. The application is configured to request additional information based on the determination. The one or more applets are configured to transmit, to the application, a generated tokenized link after a second entry into the communication field based on the requested additional information. The application is configured to transmit the link to obtain the requested additional information.

Abstract: In some embodiments, a network operation may be authenticated via a dynamic selection of an access token. In some embodiments, use of a software application, configured to store a set of access tokens, in connection with processing a network operation may be detected. A risk value associated with each access token of the set of access tokens may be received in response to providing the network operation to a set of entities associated with the set of access tokens. Based on a determination, for each access token of the set of access tokens, whether the risk value associated with the access token satisfies a threshold risk value, the network operation may be authenticated using a selected access token associated with a first risk value that satisfies the threshold risk value.

Abstract: Various embodiments described herein are directed towards authenticating calls by using one or more keys associated with a specific user. In examples, the user is the sender of a call. In various embodiments, when a call is made, an identifying payload is encrypted using a private key associated with the user. The encrypted identifying payload is appended to the call data stream. The identifying payload may be decrypted with a public key. In embodiments, the identifying payload may be verified. In various embodiments, further authentication methods may be performed by using an object such as a contactless card to provide one or more components of the identifying payload and/or keys. In embodiments, a connection may be made between the sender and the intended recipient of a call based on the verification of the identifying payload.

Abstract: The exemplary embodiments described herein overcome problems encountered by conventional systems by providing an authenticated messaging environment in which a user can securely message with a programmatic intelligent agent. The user may be authenticated at the prompting of the programmatic intelligent agent, such as the beginning of a messaging session or when the user submits a request that requires access to sensitive or confidential information or requires access to a secure account. The prompt may take the form of a message sent from the programmatic intelligent agent. The message may contain a link for launching code, such as an application, that facilitates authentication of the user's identity. The user may activate the link to launch the code and then perform the steps requested by the code to perform the authentication.

Abstract: In a method for broadcasting account provisioning information, user datum encryption information is transmitted to a plurality of account processing systems. A request to share account provisioning information is received from a user device associated with an account holder. A user datum of the account holder is encrypted using the encryption information and transmitted to the account processing systems. A response is received from at least one of the account processing systems, the response including an indication that the account holder has a transaction account processed by that account processing system. A request for confirmation that the account provisioning information should be shared is sent to the user device and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to one or more of the account processing systems.

Abstract: Delegated administration of permissions using a contactless card. In one example, a permissions module may receive a request from a first account to grant a second account access to a computing resource. The permissions module may receive permissions data of the first account from a contactless card and encrypted data generated by the contactless card. The permissions module may transmit the permissions data and the encrypted data to an authentication server, which may verify the encrypted data based at least in part on the private key, and determine, based on the permissions data, that the first account has permissions to grant access to the computing resource. The permissions module may receive, from the authentication server, an indication of the verification of the encrypted data and a permissions vector associated with the second account, the permissions vector reflecting the grant of access to the computing resource to the second account.

Abstract: A contactless card with power harvesting unit is described. The power harvesting unit is configured to harvest power from near field communication radio wave fields and supply power to a memory, processor, and communication circuit of the contactless card. In some embodiments, the contactless card may also include a capacitor for smoothing out power deliver or a rechargeable battery. The contactless card is configured to establish two-way communication with a secondary device and to store and execute applets. In some embodiments, the contactless card is a payment card which contains information associated with a primary profile and a secondary profile. The secondary profile may be activated using two-way communication if the primary profile is deactivated due to fraudulent activity.

Abstract: Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to receive an authentication request. The processor may be configured to transmit a notification. The processor may be configured to receive a response that is responsive to the notification, the response comprising a ciphertext and input data. The processor may be configured to generate a Fast Identity Online (FIDO) key pair including a FIDO public key and a FIDO private key. The processor may be configured to encrypt a challenge using the FIDO private key. The processor may be configured to transmit the FIDO public key to decrypt the challenge so as to complete the authentication request.

Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

Abstract: Systems, methods, articles of manufacture, and computer-readable media for verified reviews. An application may receive an indication to generate a review. An application programming interface (API) of the application may receive, from a communications interface of a contactless card, encrypted data generated by the contactless card. The API of the application may transmit, to an authentication server: the encrypted data, an indication of the application, and an identifier associated with the entity. The API of the application may receive indications specifying that the authentication server decrypted the encrypted data and determined that the contactless card was used to make a purchase with the entity. The application may permit, based on the indications received from the authentication server, generation of the review. The application may publish the review to one or more review platforms associated with the application.

Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. These systems and methods may provide for the secure transmission of sensitive information, such personally-identifiable information. In some examples, the sensitive information may be requested and securely shared when cryptographically signed by the user, and the user may control the access of viewers to the personally identifiable information or end users.

Abstract: Systems and methods are disclosed herein for real-time digital authentication. According to some embodiments, the system authenticates a user credential associated with a first transaction initiated via a web browser at a first merchant website, authorizes the first transaction, binds the user credential to the web browser, receives a digital signature signed by a private key corresponding to a second transaction initiated via the web browser at a second merchant website, and authorizes the second transaction without a re-entry of the user credential or sensitive payment information. The authentication method may further include in response to determining that the user is eligible for the first transaction, generating an authentication challenge to the user, in response to the user successfully completing the authentication challenge, retrieving payment credentials of the user and authenticating the user, and authorizing a checkout operation associated with the first transaction.

Abstract: Systems and methods for authenticating users based on user location data from various sources are disclosed herein. In some aspects, the system may transmit a first request for network and location information. The system may receive wireless network configuration metadata and location data. The system may transmit a second request for cellular network information. The system may receive cellular network metadata. The system may determine a user location. The system may retrieve a user profile. The system may provide the user location and the user profile to a machine learning model. The system may generate an authentication probability. The system may transmit an authentication message based on the authentication probability.

Abstract: Methods and devices for transmitting a hidden identity are disclosed. An application executing on a processor of a first computing device associated with a first account receives, from a contactless card associated with a second account, an encrypted payload including identifying information of a second account. The application sends the encrypted payload to a server for authentication of the second account. The application receives verification of the second account and confirmation that the identifying information of the second account has been stored in association with a record of an event.

Abstract: Systems and methods for a multi-institution digital wallet browser extension are provided herein. Methods include providing a browser extension on a web browser of a computing device, the browser extension enabling operation of a digital wallet, wherein the web browser is configured to access a merchant website including a checkout page having at least one entry field thereon, automatically prompting a user to select a payment instrument from a list associated with the digital wallet, receiving a selection of the payment instrument, prompting the user to authenticate an identity of the user, and receiving authentication data regarding the identity of the user. Methods further include sending the authentication data to an authentication server to verify the authentication data, receiving an indication from the authentication server that the authentication data is verified, and populating the at least one entry field with personal data associated with the user.

Abstract: An exemplary payment gateway device includes a processor and a memory. The processor is configured to: receive, from a server, merchant specific data associated with a user; validate card data of a card of the user based on the merchant specific data; perform, using a machine learning model, an analysis on a transaction being conducted using the card by the user with a merchant associated with the payment gateway device, the analysis including comparing a transaction size of the transaction, a frequency of the transaction, a location of the transaction, a time of the transaction, and a merchant type of the merchant, against a known behavior pattern of the user; determine, based on the analysis, whether the transaction is a fraud transaction; in responsive to a determination that the transaction is a legitimate transaction, verify an account balance and fund availability of the card; and approve the transaction.

Abstract: The disclosed systems and methods are directed to an implementation of a biometrically authenticated centralized access to multiple accounts, via an account-linking platform. The described implementation involves generation, of a reference biometric identifier (RBI) from biometric data scanned from a user associated with a user account stored by the first server. The implementation may further comprise transmission of the generated RBI, to a central server linking a plurality of account servers. The implementation may further comprise generation, by the first device, a biometric data packet (BDP) from biometric data captured from the user, and transmission of the same to the central server. A verification of the BPD, may then be carried out by the central center, based on determining a match between the BDP received from the first device and the RBI received from the first server.

Abstract: Systems and methods for synchronizing authentication attempts are provided. A method can include receiving a message from a mobile device when the mobile device authenticates a contactless card via offline data authentication, the message indicating that the mobile device successfully authenticated the contactless card with primary authentication data received from the contactless card. Responsive to the message, the method can also include authenticating the contactless card with secondary authentication data and posting a dummy transaction or a preauthorization in a record of transactions associated with the contactless card to update a stored counter value associated with the contactless card.

Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Abstract: Embodiments are generally directed to systems, device, and techniques to utilize a uniform resource locator to exchange money.