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.

Abstract: The systems and methods disclosed herein enable authentication of communication processing systems based on user profile information. The system may receive a network request associated with a user. The system may determine a subset of the user profile information corresponding to previous communications. The system may generate a plurality of queries that request parameters associated with the previous communications. The system may transmit the plurality of queries to the communication processing system. The system may receive a plurality of responses from the communication processing system. The system may determine an authentication status based on whether parameters of the plurality of responses match parameters associated with the previous communications. The system may transmit a communication request to an administrator system.

Abstract: A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.

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 and send a response to the second service indicating that token validity and authentication level.

Abstract: Systems, methods, apparatuses, and computer-readable media for secure generation of one-time passcodes using a contactless card. In one example, an operating system (OS) of a device may receive a uniform resource locator (URL) and a cryptogram from a contactless card. The OS may launch an application associated with the URL. The application may transmit the cryptogram to an authentication server. The application may receive a decryption result from the authentication server indicating the authentication server decrypted the cryptogram. Based on the decryption result, the application may request an OTP. The processor may receive an OTP from an OTP generator. The application may receive an input value and compare the input value to a copy of the OTP. The application may determine that the comparison results in a match, and display, based on the determination that the comparison results in the match, one or more attributes of the account.

Abstract: A method for reducing fraud for SMS OTP authentication includes receiving, by a server from a plurality of participating entities, a plurality of phone numbers and a plurality of metadata associated with a user, and determining, by the server, a phone number tenure for each of the plurality of phone numbers, based on the plurality of metadata. The method further includes determining, by the server, a phone number consistency for the plurality of phone numbers, based on the plurality of metadata, and determining, by the server, a device binding status for each of the plurality of phone numbers, based on the plurality of metadata. The method further includes determining, by the server, a most reliable phone number associated with the user from the plurality of phone numbers, and transmitting, by the server, to the most reliable phone number a SMS OTP, and authenticating the user based on the SMS OTP.

Abstract: In some implementations, an identifier manager may receive an indication of the virtual identifier that is linked to a permanent identifier. The identifier manager may receive, from a data storage, a data structure encoding at least one event associated with the virtual identifier. The identifier manager may provide the data structure to a machine learning model in order to a receive a score associated with the at least one event. The identifier manager may map the score to an instruction to modify the virtual identifier. The identifier manager may link a modified virtual identifier to the permanent identifier and unlink the virtual identifier from the permanent identifier. The identifier manager may transmit, to one or more devices using the virtual identifier, an indication of the modified virtual identifier.

Abstract: Example embodiments of systems and methods for adaptive near field communication include receiving, by an application comprising instructions for execution on a client device, data indicating a type of device from the client device and performing, by the application, at least one selected from the group of an explicit detection process and an implicit detection process to determine a type of case expected to house the client device. Example embodiments further provide determining, by the application, an optimal positioning of a transmitting device for near field communication with the client device based on the type of device and type of case, and displaying, by the application, an indication of an optimal positioning of the transmitting device for near field communication.

Abstract: Systems, methods, apparatuses, and computer-readable media for secure management of accounts on display devices using a contactless card. An application executing on a display device may receive a request specifying a service provider. The display device may receive a cryptogram generated a contactless card, and transmit the cryptogram to an authentication server. The authentication server may decrypt the cryptogram and generate a virtual account number associated with the contactless card. The authentication server may transmit the virtual account number to the service provider, which may create an account based at least in part on the virtual account number and the decryption of the cryptogram by the authentication server. The display may receive an authentication token generated by the service provider for the account, and access the account created by the service provider based at least in part on the authentication token.