Abstract: Systems and methods are directed to a modified device configuration for disposing a NFC compatible user card within a NFC field of a user mobile device so as to enable continuous proximity monitoring based on a status of an NFC link established between the card and the mobile device. The modified device configuration may be utilized to implement card tracking functionality by using a mobile application, running on the mobile device, to generate a timestamp upon detection of change in a connectivity status of the NFC link to the card. The timestamp NFC connectivity data may then be paired with mobile device GPS coordinates, concurrently retrieved from one or more mobile GPS-based navigation applications, to facilitate card tracking functionality as well as multi-factor validation for electronic transactions initiated by the NFC compatible card and/or the mobile device.

Abstract: In some implementations, a system may receive interaction data indicating an object and a user location associated with a user of a plurality of users. The system may identify a user-based storage site, of a plurality of user-based storage sites corresponding to at least a subset of the plurality of users, having an object list that includes the object. A particular user-based storage site, of the plurality of user-based storage sites, may have a storage site location associated with a corresponding user. The storage site location may be within a distance threshold of the user location. The system may transmit location data indicating the storage site location. The system may receive retrieval data indicating that the object has been retrieved from the user-based storage site. The system may update the object list of the user-based storage site.

Abstract: Systems and methods for digital media-based user authentication are disclosed herein. In some aspects, the system may receive an authentication request. The system may transmit a user verification request based on the authentication request. The system may receive media recordings in response to the user verification request. The system may detect one or more features in the media recordings. The system may generate a plurality of risk metrics for the user based on generating risk metrics for the one or more features. The system may determine an authentication probability based on the plurality of risk metrics.

Abstract: A method of disabling a contactless card for fraud prevention is provided. The method includes determining that the contactless card is fraudulent, which includes at least one of determining that a trust level score of the contactless card is less than a trust level threshold, determining that the contactless card is lost, or determining that the contactless card is stolen. The method further includes disabling the contactless card, which comprises at least one selected from the group of overwriting an applet on the contactless card, changing public keys on the contactless card, deleting public and private keys on the contactless card, changing a private key on the contactless card, and modifying a payment applet on the contactless card to accept a temporary disabling signal.

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: The present disclosure provides systems and methods for authenticating a user before performing a transaction. For example, a user can initiate a transaction and a software application can collect information about the transaction and the user, generate a message, such as a message compliant with the ISO 20022 standard, and send the message to an account processing system. The processing system can determine whether the transaction is secure, then proceed with either allowing or denying the transaction.

Abstract: An authorization and authentication method can comprise receiving, by a server from a user device, a request to generate an access token. The request includes a demonstration of proof of possession (DPoP) Java web token (JWT) that can include a public key, a payload, and a signature. The payload can include fingerprint data of the user device and a unique identifier of a contactless card associated with a user of the user device. The method can further comprise extracting, by the server, the DPoP JWT from the request to generate an access token and verifying, by the server, the signature using the public key included in the DPoP JWT. The method can further comprise authenticating, by the server, the payload, generating, by the server, the access token, binding, by the server, the public key to the access token, and transmitting, by the server, the access token to the user device.

Abstract: A method for reducing fraud comprises receiving, by a server from a merchant device associated with a merchant, a first plurality of risk data associated with a user, receiving, by the server from a software development kit embedded by a first entity, a second plurality of risk data associated with the user, and receiving, by the server from a second entity, a third plurality of risk data associated with the user. The method further comprises identifying the user, training, by the server, a fraud risk machine learning model, and determining, by the server, a fraud risk profile of the user, based on the fraud risk machine learning model, using the first plurality of risk data, the second plurality of risk data, and the third plurality of risk data.

Abstract: An exemplary method for collaborative fraud prevention comprises receiving, by a processor, merchant data pertaining to a user, receiving, by the processor, issuer data pertaining to the user, receiving, by the processor, third party metrics data pertaining to the user, and receiving, by the processor, mobile device data for a mobile device associated with the user. The exemplary method further comprises applying, by the processor, a machine learning model to the merchant data, issuer data, third-party metrics, and mobile device data to make a fraud prediction, receiving, by the processor, feedback on the fraud prediction, and updating, by the processor, the machine learning model using the feedback as an input.

Abstract: Systems and methods of the present disclosure are directed to a secure and streamlined transaction process. The systems and methods involve an administrator processor that receives user data from a user device, encrypts it, and transmits it to multiple account processing systems, each linked to a different account provider. Upon receiving notifications from the account processing systems about the account holder's transaction account, the administrator processor sends an authentication request to the user device. The user responds with an authentication credential. The administrator processor then prompts the user to select an account provider and generates a universal resource locator that launches a software application on the user's device. Once the user authenticates through the application, a second confirmation is sent to the administrator processor, which forwards it to the selected account provider. The necessary transaction information is then received by the administrator processor.

Abstract: An exemplary method comprises receiving, by a processor, a user-based allegation of a fraudulent transaction, receiving, by the processor, merchant data pertaining to a user associated with the user-based allegation as well as a transaction underlying the user-based allegation, and receiving, by the processor, issuer data pertaining to the user and the transaction. The exemplary method further comprises applying, by the processor, a machine learning model to the merchant data and issuer data to generate a prediction as to whether the transaction was fraudulent, providing, by the processor, a report to the user comprising one or more factors on which the prediction is based, the one or more factors based on at least one of the merchant data and the issuer data, receiving, by the processor, feedback relating to the prediction, and updating, by the processor, the machine learning model using the feedback as an input.

Abstract: A system for performing cross-border transactions is provided. The system includes a computer server including a memory and a processor. The server is configured to: receive, from a first entity, transaction information of a transaction, wherein the transaction information is included in an International Organization for Standardization (ISO)-supported file; generate a transaction identifier for the transaction; transmit, to the first entity, the transaction identifier for the transaction; perform an anti-money laundering (AML) check based on the transaction information; apply a machine learning model to identify a pattern based on the transaction information; write the AML check and the pattern to the ISO-supported file; receive the transaction identifier from a second entity; and transmit a transaction approval message to the second entity based on the AML check and the pattern.

Abstract: Systems, methods, articles of manufacture for authentication of payment cards. A server may assign, in a database, an expected card identifier to a contactless card, the contactless card associated with an account. The server may receive, from a client device, a request comprising a uniform resource locator (URL), a parameter of the URL comprising a card identifier, wherein the URL is transmitted by the contactless card to the client device. The server may extract the card identifier from the URL and compare the extracted card identifier to the expected card identifier in the database. The server may determine, based on the comparison, that the extracted card identifier matches the expected card identifier. The server may authenticate the request based on the extracted card identifier matching the expected card identifier, and transmit, to the client device, an indication specifying that the request was authenticated.

Abstract: Systems and methods for controlling data access through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. An exemplary system and method may include establishing a database storing identifiers and keys for users and service providers, receiving from a client device of the service provider, via a network, a service provider token and a request for a data access key, the request generated in response to a tap action between a contactless card associated with a user and the client device, verifying the service provider is authorized to receive access to personal user data encrypted and stored on the contactless card, generating a data access key based on a user key, and transmitting to the service provider client device, via the network, the data access key, such that the client device may decrypt the personal user data obtained from the contactless card.

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: Systems and methods for generating security assessments for user-based transactions. A central processor application can receive data from a merchant website outfitted with a software development kit and/or a browser extension designed to gather information about the user from the merchant checkout page. The central processor application can perform, using a trained predictive model, a security assessment of the transaction and shift fraud responsibility from the merchant to a bank or account provider based on the security assessment.

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: Systems and methods for successively executing an operation over multiple communication networks. In some aspects, the system obtains first access information received from a physical token and generates an operation related to an aggregated virtual container. The system determines a first communication network from the first access information and transmits, via the first communication network, the operation associated with the aggregated virtual container. If the operation was not transmitted successfully via the first communication network, the system obtains second access information received from the physical token, determines a second communication network from the second access information, and transmits, via the second communication network, the operation associated with the aggregated virtual container. If the operation was transmitted successfully via the second communication network, the system generates for display a notification that the operation has been executed.

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. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.

Abstract: Systems and methods for automatic management of multiple accounts are provided. Example embodiments of the present disclosure provide a server configured to authenticate a user, detect the user is visiting an online website associated with a merchant, create a user account with the merchant for the user, where the user account including a user name and a password. The server can be further configured to retrieve personal identifiable information (PII) of the user from a financial account associated with the user, where the PII including information of a payment card of the user, provision the PII of the user to the merchant; and store the password.