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: 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 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: 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: 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: 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.

Abstract: Systems and methods related to integrating blockchain functions with external systems using a variable non-fungible token. A variable non-fungible token comprises a non-fungible token that is minted with an indication of a non-transferable ownership wallet (e.g., a digital wallet for which the non-fungible token is minted for), a non-transferable smart contract address that has permissions for updating metadata for the variable non-fungible token, and a metadata property threshold based on a specific user corresponding to the digital wallet.

Abstract: A method is provided including: receiving, by a server from a user device, a cryptogram of a contactless card, wherein the user device receives a payment request message from a merchant device, and the user device receives the cryptogram from a contactless card upon taping the contactless card to the user device by a user prompted by the payment request message; validating and decrypting, by the server, the cryptogram; extracting, by the server, from the decrypted cryptogram a unique customer identifier associated with the user; verifying, by the server, the unique customer identifier; retrieving, by the server from a database, account information of the user; and calling, by the sever, one or more application programming interfaces (APIs) of the merchant device to make a payment in response to the payment request message; and provisioning, by the server, the account information to the merchant device via the APIs.

Abstract: A card, system, and method for validating a user's identity with card image steganography are provided. The system includes a card, a user device, and a processor. The card comprises a face with a steganographic pattern encrypted onto its substrate. The processor is configured to receive a request associated with the card, recognize the biometric data from the steganographic pattern on the card, and verify the user's identity by matching the user's biometric to the card's biometric.

Abstract: Systems and methods for authentication may include a first device having an association with a first account, including a memory containing one or more applets, a counter value, and transmission data, a communication interface, and one or more processors in communication with the memory and communication interface. The first device may create a cryptogram based on the counter value, wherein the cryptogram includes the counter value and the transmission data. The first device may transmit, after entry of the communication interface into a communication field, the cryptogram, and update, after transmission of the cryptogram, the counter value. The first device may receive, via the communication interface, one or more encrypted keys and one or more parameters. The first device may decrypt the one or more encrypted keys and, after decryption of the one or more encrypted keys, switch an association from the first account to a second account.

Abstract: In some implementations, an autonomous vehicle may receive information associated with an order including multiple items. The autonomous vehicle may, after traveling to a first pickup location and obtaining a subset of the items in the order, identify one or more alternative pickup locations having respective inventories including one or more items that are unavailable at the first pickup location. The autonomous vehicle may generate one or more virtual credentials linked to a primary credential associated with a user that submitted the order and use the one or more virtual credentials to obtain, at each alternative pickup location, one or more items that were unavailable at the first pickup location. The autonomous vehicle may travel to a final destination to deliver the subset of the multiple items obtained from the first pickup location and the one or more items obtained from each of the one or more alternative pickup locations.

Abstract: In some embodiments, an authentication system may be configured to process one or more tokens that incorporates one or more tailored-wavelength-range coded patterns, codes represented within a steganographic image, or “overlapping” codes. As an example, such a token may include (i) one or more invisible-ink-printed patterns printed using infrared ink corresponding to different tailored wavelength ranges within the infrared light spectrum, (ii) one or more steganographic images in which invisible-ink-printed patterns are interweaved within the steganographic images, (iii) visible-ink-printed patterns and invisible-ink-printed patterns printed substantially within the visible ink portions of the visible-ink-printed patterns, or (iv) other features, where the invisible-ink-printed patterns correspond to one or more authentication codes or other data for token authentication.

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. In an embodiment, the transmitting device can signal an attack or potential attack through the counter value. The attack signaling can further include information relating to the attack or potential attack.

Abstract: Embodiments are directed to methods and techniques for providing power via piezoelectric components on contactless cards.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of identifying a plurality of identification numbers associated with a plurality of entities; determining at least one digital master key associated with an identification number; utilizing a derivation translation module to derive at least three digits of the plurality of digital digits associated with the digital master key; automatically generating a plurality of time-based digital tokens based on the at least three digits derived from the digital master key; utilizing at least one time-based digital token of the plurality of time-based digital tokens to generate digital data for with a computing device associated with a user; automatically generating a first card verification code associated with the at least one time-based digital token and the digital data; and automatically expiring the first card verification code after a predetermined period of time.

Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of determining an identity of at least one user of a plurality of users based on a multi-factor authentication; utilizing an identity tokenizer to generate at least one temporary identity token associated with the identity of the user; transmitting the at least one temporary identity token to an external computing device for authentication; receiving an authenticated digital token from the external computing device; automatically utilizing the authenticated digital token to retrieve a plurality of data items of an account information; utilizing a security module to link the authenticated digital token and the plurality of data items; generating a unique-universal identifier associated with the security module and the authenticated digital token; and utilizing the unique-universal identifier and the security module associated with the authenticated digital token.