Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data in real-time based on dynamically generated tokenized data. For example, an apparatus may receive first positional data identifying a first geographic position of a client device and based on the first positional data, the apparatus may determine a value of a parameter characterizing an exchange of data between the client device and a terminal device disposed proximate to the client device during a temporal interval. The apparatus may transmit data requesting a pre-authorization of the data exchange to a computing system, which perform operations that pre-authorize the data exchange in accordance with the parameter value and transmit a digital token representative of the pre-authorized data exchange to the terminal device. The digital token may be valid during the temporal interval and may include a cryptogram associated with the client device.

Abstract: Methods and devices for provisioning a secure application on an electronic device with first issuer data for a first issuer are described. In an embodiment, the provisioning system receives and stores first issuer records. The example provisioning system receives a provisioning request to provision the secure application with the first issuer data. The provisioning request includes identifying information. The example provisioning system evaluates the provisioning request based on at least one of the first issuer evaluation criteria, the first issuer records and the identifying information in the provisioning request. When the provisioning request satisfies the first issuer evaluation criteria, the example provisioning system generates a signal using the communication module to provide the first issuer data to the electronic device to provision the secure application on the electronic device.

Abstract: A method and computer system for detecting, utilizing at least one sensor associated with the computer system, an attempt to establish short-range communications between a device and a short-range communications module coupled to the computer system. The method and computer system further configured for determining that no short-range communication was received by the computer system via the short-range communications module and providing a signal to the device to enable a short-range communications transceiver at the device.

Abstract: A method and computer system for detecting, utilizing at least one sensor associated with the computer system, an attempt to establish short-range communications between a device and a short-range communications module coupled to the computer system. The method and computer system further configured for determining that no short-range communication was received by the computer system via the short-range communications module and providing a signal to the device to enable a short-range communications transceiver at the device.

Abstract: A computer-implemented method is disclosed. The method includes: receiving a request to transfer a digital asset; appending, to a blockchain of a blockchain network, a transaction for deploying a smart contract for executing a transfer of the digital asset; receiving a first notification of an off-chain transaction in connection with transfer of the digital asset; sending a first transaction to the blockchain for invoking a first function of the smart contract to allow transfer of the digital asset to a destination address; and responsive to detecting a first condition associated with the off-chain transaction, sending a second transaction to the blockchain for invoking a second function of the smart contract for transferring the digital asset to the destination address. Related methods, apparatus, and computer-readable media are also disclosed.

Abstract: Methods and systems for using a distributed ledger to record bot mitigation test results and enable servers to determine a bot mitigation score for a remote device based on previously recorded test results associated with the remote device. The server may detect a trigger for bot mitigation in association with a remote device, obtain identifying data regarding the remote device and search a distributed ledger using the identifying data to locate one or more test results stored in records on the distributed ledger containing the identifying data. It may then determine a bot likelihood score based on the one or more test results, compare the bot likelihood score to a threshold and, in response to the comparison, execute a mitigation action.

Abstract: A system, device and method for enforcing privacy during a communication session with a voice assistant are disclosed. In response to a determination that an environment of a first voice assistant device is not private, a first secure communication session between the first voice assistant device and an application server is suspended. In response a determination that one or more other voice assistant devices have been authorized for communication with the application server is made and input to transfer the first secure communication session, a second secure communication session between a second voice assistant device and the application server is initiated. The first secure communication session between the first voice assistant device and the application server is terminated in response to successful initiation of the second secure communication session.

Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes the second layer and a first pointer. The second layer includes a second pointer. The message processor is configured to receive a first authorization message including a first cryptographic key and a second value; decrypt the first layer of one of the tokens with the first key; validate the first pointer by receiving confirmation of the first pointer pointing to a database entry comprising the second value; receive a second authorization message including a second cryptographic key and a third value; decrypt the second layer of the token with the second key; and validate the second pointer by receiving confirmation of the second pointer pointing to a database entry comprising a maximum data value not less than the third value.

Abstract: A computer-implemented is disclosed. The method includes: receiving media data of a live media stream; detecting a trigger associated with the media data of the live media stream; in response to detecting the trigger, generating at least one of audio or video overlay content associated with the trigger; and transmitting, to viewer devices, the at least one of audio or video overlay content with the live media stream.

Abstract: A computer-implemented is disclosed. The method includes: receiving media data of a live media stream; obtaining audience reaction data associated with the live media stream; identifying an event-of-interest in the live media stream based on the audience reaction data, wherein a time of the event-of-interest is prior to a time of the audience reaction data; obtaining a segment of at least one of audio data or video data of the live media stream that is associated with the time of the event-of-interest; generating a digital asset incorporating the segment; and providing the digital asset to at least one viewer of the live media stream.

Abstract: The disclosed embodiments include processes that manage a cryptographically secure generation and exchange of data between network-connected systems operating within a computing environment using a permissioned distributed ledger. For example, and based on secure interaction with a distributed smart contract maintained within ledger blocks of the permissioned distributed ledger, an apparatus and a counterparty system may generate local symmetric encryption keys that facilitate a secure communication session between the apparatus and the counterparty system. Using the symmetric encryption key, the apparatus may generate a cryptographically secure representation of generated or obtained data, which may be transmitted to the counterparty system across the secure communications channel.

Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes a first data pointer. A primary layer includes the first layer and identifies a reference data value. The message processor receives from a communications device an authentication request identifying a first data value, validates the authentication request from the first data value and the reference data value configured in one of the multi-layer tokens, receives a first authorization message including a first cryptographic key, derives a first decrypted data layer from the first cryptographic key and the first encrypted data layer of the one multi-layer token, and validates the first data pointer by receiving confirmation of the first data pointer pointing to a database entry comprising a second data value less than the reference data value.

Abstract: An apparatus for use in a digital messaging system includes a storage device and a processor coupled to the storage device. The storage device storing software instructions for controlling the processor that when executed by the processor configured the processor to: generate a first message comprising a payload portion; encrypt the payload portion of the message; derive a first session key from a domain-specific key; and sign the message using the first session key.

Abstract: A computer-implemented method is disclosed. The method includes: receiving video data for a live video stream; identifying a product that is displayed in a video frame of the live video stream; obtaining identifying information for a viewer of the live video stream; determining a product variant preference for the viewer; obtaining a graphical representation of the product variant; and providing modified video data of the live video stream based on presenting the graphical representation of the product variant as overlay content for the live video stream. Related apparatuses and computer-readable media are also disclosed.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that automatically and dynamically generate and provision digital content to network-connected devices operating within a computing environment. For example, an apparatus may receive information generated by an application program executed by a communications device and based on the generated information, obtain an identifier of a third party associated with the executed application program. The apparatus may further identify and obtain first elements of digital content that include a representation of the identifier, and generate a second element of digital content that incorporates a subset of the first elements of digital content. The apparatus may also transmit the second element of digital content through a programmatic interface to the communications device, which may display the second element of digital content on an interface.

Abstract: A system, device and method for enforcing privacy during a communication session with a voice assistant are disclosed. In response to a determination that an environment of a first voice assistant device is not private, a first secure communication session between the first voice assistant device and an application server is suspended. In response a determination that one or more other voice assistant devices have been authorized for communication with the application server is made and input to transfer the first secure communication session, a second secure communication session between a second voice assistant device and the application server is initiated. The first secure communication session between the first voice assistant device and the application server is terminated in response to successful initiation of the second secure communication session.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically authorize pre-stages data exchanges based on contextual data. For example, an apparatus may receive first data characterizing an initiation of a first exchange of data between a client device and a terminal device. Based on the first data, the apparatus may obtain second data that characterizes an expected initiation of a second exchange of data during a corresponding temporal interval, which may be specified relative to an initiation time of the first data exchange. The apparatus may generate and transmit, to a computing system, pre-authorization data that requests a pre-authorization of the second data exchange to a computing system. The pre-authorization data may include a portion of the second data and may instruct the computing system to pre-authorize the second data exchange in accordance with the second data.

Abstract: The present disclosure involves systems, software, and computer implemented methods for presenting recommendations for suggested activities. One example method includes receiving a first signal from a device that includes a current context of the device that includes location information for the device. The device is associated with a particular profile. A preferred language associated with the device is determined from the profile. The profile is analyzed to determine a contextual activity preference associated with the device. A repository of establishment information is searched to identify an activity that matches the current context associated with the device and the contextual activity preference. An activity description of the identified activity is translated from a foreign language to the preferred language to create a translated activity description. A second signal is transmitted to the device that includes the translated activity description for presentation at the device.

Abstract: This application provides for determining a suggested action initiation time for an interaction with an interacting party. Some aspects comprise: determining an interaction settlement due date; querying an interaction database storing historical interaction records to determine if there is one or more of the historical interaction records related by one or more factors to the interacting party; retrieving, from the interaction database (where there is one or more historical interaction record(s) related to the interacting party), historical interaction data; determining from the retrieved historical interaction data a predicted processing time for the interaction; and determining, based on the interaction settlement due date and the predicted processing time, the suggested action initiation time.

Abstract: A computer system for provisioning a data transfer method is disclosed, comprising a processor, and a communications module and a memory coupled to the processor. The memory stores instructions that, when executed by the processor, cause the computer system to: receive a provisioning request for a data transfer method; send, to a server associated with the data transfer method, a request, based on the provisioning request, for assignment of a data transfer identifier; receive, from the server, the data transfer identifier responsive to the request for assignment of the data transfer identifier; obtain a data transfer token corresponding to the data transfer identifier by: sending, to a token service provider, a request for the token comprising the data transfer identifier; receiving, from the token service provider, a data transfer token in response to the request for the token; and, send a reply to the provisioning request comprising the token.