Abstract: Disclosed is a transaction card may include a card body comprising a top surface and a bottom surface opposite the top surface, a chip secured to the top surface of the card body and configured to communicate wirelessly; a feedback element secured to the card body and including one or more tactile elements and a feedback sensor; and a feedback processor in communication with the chip and the feedback element. The feedback processor may, in response to receiving a signal from the feedback sensor indicative of the presence of a thumb or finger of a user on the feedback element and in response to receiving a signal from the chip, drive one or more of the one or more tactile elements to generate tactile feedback for the user.

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: Disclosed is a contactless card, and a system in which the contactless card may be used. The contactless card may include a chip component, a communication interface, processing circuitry, and electromagnetic field sensing circuitry. The electromagnetic field sensing circuitry of the contactless card may be operable to provide orientation signals to the processing circuitry when the contactless card is in proximity to an oscillating electromagnetic field output by a card reader device. The processing circuitry of the contactless card may be operable to receive the orientation signals. An orientation of the contactless card with respect to the mobile device may be determined. An orientation indication signal may be generated based on the determined orientation, and a haptic indication, an audio indication, a visual indication or a combination directing movement of the contactless card in a particular direction may be output.

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 validating transfers between cryptographic addresses is disclosed. The systems and methods can include receiving instructions to transfer a first plurality of tokens from a first cryptographic address to a second cryptographic address. The transfer can be validated with a portion of the distributed validation processors. The method can include transferring a first plurality of tokens to the second cryptographic address. The method can include transferring a second plurality of tokens to a first distributed validation processor of the plurality of distributed validation processors. After a predetermined period of time and/or subsequent validations by the first distributed validation processors, the method can include transferring an amount greater than the second plurality of tokens to the first cryptographic address.

Abstract: A method is provided for communicating with a transaction card having a card data processor, a near card field communication (NFC) interface, and a card memory having a unique card identifier stored therein. In this method, a user communication device establishes an NFC session with the transaction card and transmits to the transaction card an NFC data exchange format (NDEF) WRITE TAG command including session-specific challenge information. The user communication device transmits to the transaction card an NDEF READ TAG command and receives from the transaction card, card-specific challenge response information. The challenge response information is then used to authenticate the transaction card.

Abstract: A method and system performed by a processor includes receiving from a verified user, an authentication answer for identity-authentication questions. An authentication answer embedding vector in a textual embedding space is generated by inputting each authentication answer into an embedding engine and stored. An unverified-user authentication answer is received, in response to posing to the unverified user, a specific identity-authentication question of the verified user. An unverified-user authentication answer embedding vector is generated using the embedding engine. An embedding space distance is computed between the unverified-user authentication answer embedding vector and the authentication answer embedding vector for the specific identity-authentication question of the verified user posed to the unverified user. A similarity score based on the embedding space distance is computed.

Abstract: In a method of facilitating encrypted communications between a transmitting system having a unique identifier and a receiving system, a key generation system generates at least one encryption master key for use with the unique identifier and an encryption algorithm to produce a transmitting system-unique encryption key. The key generation system also generates a shared secret master key for use with the unique identifier and a second encryption algorithm to produce a shared secret value. The at least one encryption master key and the shared secret master key are then stored in an encryption information database. The key generation system transmits the at least one encryption master key and shared secret information to the transmitting system and transmits the at least one encryption master key, the shared secret master key and the unique identifier to the receiving data processing system.

Abstract: In some implementations, a user device may receive, using a first application of the user device, a message that is purported to be from a source. The message may include, in a content of the message, content data and authenticity data, where the authenticity data includes a token. The user device may determine, using a second application of the user device, whether the message is authentic based on the authenticity data, where the second application is associated with the source. The user device may cause an indication of whether the message is authentic to be presented in a user interface of the user device.

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 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: Systems and methods are directed to generation of verifiable FIDO security keys based on hierarchically generated child keys from an extended security key pair, wherein the extended public key is stored on a verification server of the account issuing entity. In the described implementation, child FIDO key pair are hierarchically derived from an extended private/public key pair. A public key provided during a FIDO registration can be securely tied to a user identity based on verification of FIDO registration data by the issuing server using the corresponding extended public key. Accordingly, a FIDO public key is linked to a thoroughly vetted user identity, during the registration process, without an authentication action from the user. The disclosed systems and methods further enable a re-issued FIDO authenticator device to perform FIDO transactions with FIDO services previously registered against the replaced authenticator device.

Abstract: A method for managing origin keys for cryptographic authentication is provided. The method includes creating, by a server, at least one super origin key and diversifying, by the server, the at least one super origin key into at least one origin key. The method further includes generating, by the server, a plurality of secret sharing portions of the at least one origin key, dividing, by the server, the plurality of secret sharing portions into multiple parts, encrypting, by the server, the multiple parts of the plurality of secret sharing portions, and transmitting, by the server, the encrypted multiple parts of the plurality of secret sharing portions to multiple entities.

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: 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: Methods, systems, and apparatuses are described herein for protecting the privacy of parties conducting Non-Fungible Token (NFT) transfers by conducting separate NFT transactions on a private blockchain separate from a public blockchain. An issuer and recipient may generate a token secret, and the issuer may send a create token transaction request comprising a unique token identifier, the token secret, and zero-knowledge proof data. Based on that request, an NFT may be minted on a private blockchain. A recipient may request the token by providing the unique token identifier and a zero-knowledge proof generated, by the recipient, based on the token secret. Based on comparing the zero-knowledge proof and the zero-knowledge proof data, the NFT may be sent to the recipient. A hash corresponding to a recipient address and the unique token identifier may be stored in a public blockchain.

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: In some embodiments, a near-field communication card may be provided with an NFC-field-strength visualization display and a transparent window through which the NFC-field-strength visualization display is visible. In some embodiments, a token (e.g., the NFC card) may be constructed to include an electromagnetic field visualization display, a radiofrequency communication antenna, and a first transparent region having a transparent surface through which the electromagnetic field visualization display is visible. In some embodiments, a first layer of a token may be provided, where the first layer includes an electromagnetic field visualization display and a radiofrequency communication antenna. A second layer of the token may be provided, where the second layer includes a first transparent region. The first and second layers may be bonded such that the electromagnetic field visualization display of the first layer is visible through the first transparent region of the second layer.

Abstract: Cards having a hybrid construction including a biodegradable portion and related methods are disclosed. A card can include a card body having a top surface and a bottom surface opposite the top surface, the top and bottom surfaces meeting at a peripheral edge of the card body; and a first portion secured to a second portion such that the top surface of the card body spans both the first and second portions and the bottom surface is formed entirely of the second portion. The card can further include a chip secured to the first portion of the card body; wherein the peripheral edge includes at least an insertion edge of the first portion; wherein the second portion of the card body comprises a biodegradable material; and wherein the first portion and a recyclable portion meet at a frangible junction on the top surface of the card body.

Abstract: A system and method are described that enables mobile devices (e.g. including but not limited to a mobile phone or the like), to intercept and respond to contactless card authentication requests, allowing mobile devices to be used in place of contactless cards. Enabling mobile phone devices to emulate contactless cards decreases issues related to lost or damaged cards, enabling a single device to be used to provide tokens related to multiple different contactless cards, and leverages functionality of the mobile device to provide dual-factor authentication.