Abstract: Methods and apparatuses are presented for securely providing digital streaming data to subscriber devices using encrypted wavelet meshes. A recorded image may be subdivided into three sources of data: light sources, camera angles, and the objects themselves. Each of these sources of data may be considered unique from each other, and the totality of the three sources of data may comprise a complete image. Without one of the sources of data, the image may not be complete. Each of the three sources of data may therefore be characterized as key spaces, wherein encrypting part of or the entirety of even one of these key spaces prevents the complete image from being viewed. Methods and apparatuses are provided for utilizing the concept of encrypting at least a portion of at least one of the three key spaces in order to securely and/or privately transmit image data to subscribers.

Abstract: A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server of a merchant entity from an access device used by a consumer, a checkout request to initiate a transaction, providing, from the merchant server to a server of a non-merchant entity, transaction information associated with said transaction, wherein the transaction information comprises a merchant ID, and receiving, at the merchant server from the non-merchant server, a response message regarding the transaction, wherein the response message is based on a correlation between the transaction information and device information specifically associated with the access device and provided directly from the access device to the non-merchant server, and is based on additional processing associated with the transaction information and the device information, performed by the non-merchant server.

Abstract: A system for providing real-time risk mitigation for an authorization system. The system receives authorization requests from multiple merchants (or their respective acquirers) and processes such requests. Each processed request is then forwarded to its corresponding issuer for further authorization. Each processed request includes an authorization message. The authorization message can include a risk score, a number of reason codes, and a number of condition codes. The use of the risk score, reason codes and condition codes allows issuers to make better informed decisions with respect to providing authorizations.

Abstract: A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.

Abstract: Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.

Abstract: A method is disclosed. It includes displaying, by a device, an authentication image including a plurality of image elements comprising a set of image elements, wherein the image elements in the set of image elements are located at a set of positions on a display screen. The method also comprises receiving, at the device, a glyph having a configuration corresponding to the set of image elements from a user while the authentication image is displayed. The method further comprises determining if the glyph is authentic, and initiating a payment transaction after receiving the glyph.

Abstract: A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server of a merchant entity from an access device used by a consumer, a checkout request to initiate a transaction, providing, from the merchant server to a server of a non-merchant entity, transaction information associated with said transaction, wherein the transaction information comprises a merchant ID, and receiving, at the merchant server from the non-merchant server, a response message regarding the transaction, wherein the response message is based on a correlation between the transaction information and device information specifically associated with the access device and provided directly from the access device to the non-merchant server, and is based on additional processing associated with the transaction information and the device information, performed by the non-merchant server.

Abstract: A method and a system that retrieves dynamic data when a notification with dynamic data is triggered. The dynamic data is associated with an account that is associated with a portable consumer device associated with a consumer. The method and system automatically send the notification with the dynamic data to a notification device, wherein the notification with the dynamic data is provided to the consumer.

Abstract: A method is disclosed. The method includes generating a verification value in response to a transaction involving a portable consumer device, where the verification value is generated using a first dynamic data element and a second dynamic data element. The verification value is sent to a service provider associated with the portable consumer device so that the service provider can verify the transaction.

Abstract: Systems, apparatus, and methods are provided for efficiently authorizing a transaction initiated by a consumer. An authorization can be generated before the consumer actually initiates the transaction. For example, a future transaction can be predicted, and an authorization can be generated for the predicted transaction. In this manner, the authorization can be ready and quickly used when the consumer does initiate the transaction. Previous transactions made by the consumer can be used to predict when the future transaction is likely. In various examples, the authorization can be sent to a specific merchant or to the consumer for use when the consumer initiates the predicted transaction, or saved by an authorization server for use in response to an authorization request from the merchant.

Abstract: Embodiments of the invention broadly described, introduce systems and methods for automatically generating rules. One embodiment of the invention discloses a method for generating a candidate rule. The method comprises receiving transaction data comprising a plurality of fields, wherein each field is associated with one or more field values, constructing a rule graph, wherein vertices in the rule graph correspond to a plurality of the one or more field values, generating a tree, wherein generating the tree comprises selecting an edge from a set of edges connecting a vertex in the tree with a vertex not in the tree, and adding the edge to the tree if the edge has a maximum signal-to-noise value of all edges in the set of edges, and converting the tree into a candidate rule.

Abstract: Embodiments of the invention enable cardholders conducting an online transaction to be authenticated in real-time using a challenge-response application. The challenge-response application can be administered by an issuer or by a third party on-behalf-of an issuer. A challenge question can be presented to the cardholder, and the cardholder's response can be verified. The challenge question presented can be selected based on an analysis of the risk of the transaction and potentially other factors. A variety of dynamic challenge questions can be used without the need for the cardholder to enroll into the program. Additionally, there are many flexible implementation options of the challenge-response application that can be adjusted based on factors such as the location of the merchant or the location of the consumer.

Abstract: A computer apparatus is provided that comprises processor and a computer-readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method that comprises receiving a first indication at a computer apparatus that an evolving token has been used in a first transaction. Use of the evolving token in the first transaction provides a first benefit. The method further comprises that in a subsequent transaction after the first transaction, the evolving token changes so that it is associated with a payment account and the evolving token can be used to make payments.

Abstract: Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a non-merchant, thereby allowing no new entities to obtain the payment information. Transaction identifiers can be used to facilitate communications among the entities. The payment information can be sent to the non-merchant via a merchant application with a submit payment button directed to the non-merchant so little or no deviations from standard practices are required.

Abstract: A method and computer readable medium for conducting a transaction, comprising receiving a verification value and a portion of a dynamic data element, determining candidate dynamic data elements using the portion of the dynamic data element, calculating candidate verification values using candidate dynamic data elements, and determining if the received verification value matches any of the candidate verification values, wherein the transaction is thereafter authenticated if a candidate verification value matches a candidate verification value.

Abstract: A method is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.

Abstract: A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an authorization request message associated with a transaction, the transaction associated with a portable consumer device and an access device at a merchant. A geographic location of the transaction is determined. It is determined whether a notification message indicating that the transaction is occurring is required. Upon determining that the notification message is required, the notification message is sent to a notification device operated by a consumer and the notification device receives the notification message substantially simultaneously with the merchant's receipt of an authorization response message. A graphical depiction of the notification message is displayed on a map on the notification device.

Abstract: The MULTI-SOURCE, MULTI-DIMENSIONAL, CROSS-ENTITY, MULTIMEDIA MERCHANT ANALYTICS DATABASE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MDB”) transform data aggregated from various computer resources using MDB components into updated entity profiles and/or social graphs. In one implementation, the MDB aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. The MDB identifies data field types within the data records and their associated data values. From the data field types and their associated data values, the MDB identifies an entity. The MDB generates correlations of the entity to other entities identifiable from the data field types and their associated data values. The MDB also associates attributes to the entity by drawing inferences related to the entity from the data field types and their associated data values.

Abstract: THE MULTI-SOURCE, MULTI-DIMENSIONAL, CROSS-ENTITY, MULTIMEDIA CENTRALIZED PERSONAL INFORMATION DATABASE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“CPDB”) transform data aggregated from various computer resources using CPDB components into updated entity profiles and/or social graphs. In one implementation, the CPDB aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. The CPDB identifies data field types within the data records and their associated data values. From the data field types and their associated data values, the CPDB identifies an entity. The CPDB generates correlations of the entity to other entities identifiable from the data field types and their associated data values. The CPDB also associates attributes to the entity by drawing inferences related to the entity from the data field types and their associated data values.

Abstract: A method for authenticating a portable consumer device is disclosed. The method comprises receiving the first set of authentication data from the portable consumer device, the portable consumer device comprising a sensor configured to observe one or more events, a memory comprising a first set of authentication data, an alteration module with instructions for altering the first set of authentication data and a processer configured to execute the instructions for altering the first set of authentication data when the sensor observes the one or more events. The method further comprises comparing the first set of authentication data with a second set of authentication data, determining if the first set of authentication data complies with an expected change in authentication data from the second set of authentication data and sending an authentication response accordingly.