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 computing apparatus is configured to quantify consumer sentiment at an aggregated or micro level using transaction data that records the transactions processed by a transaction handler of a payment system. A quantification model is generated based on correlating transaction data with respective emotional content indices extracted from data sources, such as regional news, weather, stock markets, movie themes, local sports, employment, traffic conditions, etc. Using the quantification model, consumer sentiment can be evaluated at various granularity levels, based on the granularity of the user group and the time period of the transaction data used in the quantification model.

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: There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.

Abstract: The MULTI-SOURCE, MULTI-DIMENSIONAL, CROSS-ENTITY, MULTIMEDIA ENCRYPTMATICS DATABASE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EXDB”) transform data aggregated from various computer resources using EXDB components into updated entity profiles and/or social graphs. In one implementation, the EXDB aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. The EXDB identifies data field types within the data records and their associated data values. From the data field types and their associated data values, the EXDB identifies an entity. The EXDB generates correlations of the entity to other entities identifiable from the data field types and their associated data values. The EXDB 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 ANALYTICAL MODEL SHARING DATABASE PLATFORM APPARATUSES, METHODS AND SYSTEMS (“AMSDB”) transform data aggregated from various computer resources using AMSDB components into updated entity profiles and/or social graphs. In one implementation, the AMSDB aggregates data records including search results, purchase transaction data, service usage data, service enrollment data, and social data. The AMSDB identifies data field types within the data records and their associated data values. From the data field types and their associated data values, the AMSDB identifies an entity. The AMSDB generates correlations of the entity to other entities identifiable from the data field types and their associated data values. The AMSDB 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 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 for verifying a portable consumer device. The method includes receiving an authorization request message associated with a transaction conducted using a portable consumer device. The portable consumer device includes a portable consumer device fingerprint. The authorization request message includes an altered portable consumer device fingerprint and an algorithm identifier. The method also includes selecting an algorithm from among a plurality of algorithms using the algorithm identifier, determining the portable consumer device fingerprint using selected algorithm and the altered portable consumer device fingerprint, determining if the portable consumer device fingerprint matches a stored portable consumer device fingerprint, and sending an authorization response message after determining if the portable consumer device fingerprint matches the stored portable consumer device fingerprint.

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: Embodiments of the invention is directed to a dynamic network analytics system capable of receiving and analyzing queries sent in data messages from data requesters. The queries contain a request from the data requester as to a risk level associated with an interaction conducted by a user. The dynamic network analytics system can determine an optimized process for determining the risk level of the interaction, based on an analysis of past interactions by the user and past interactions by users similar to the user. The dynamic network analytics system can retrieve data from internal and external data sources to generate a response to the query. The dynamic network analytics system conducts the optimized process and uses the retrieved data to generate risk assessments and risk scores in response to the query from the data requester.

Abstract: Methods, devices, and systems are presented for screen locking or delaying the screen locking of mobile devices, such as smart phones, based on whether the gait of the current user match that of its true, authorized owner. A user's gait can be measured using accelerometers embedded in the device. Other movements, such as where a user normally goes to work, can be measured using GPS or other positional location data and used to lock or delay locking of the screen.

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: A portable consumer device having a substrate layer, a protective layer and a diamond-based brittle material layer having an intentionally created unique fissure or cracked patterns or crystal zone boundaries and systems and methods for making and using same are disclosed. The diamond-based brittle material layer includes a diamond material. The unique random fissure or cracked pattern and crystal zone boundaries, or the electromagnetic signature based thereon, of the brittle material layer are detected and used to authenticate the portable consumer device.

Abstract: Systems and methods of converting transactions to a new currency and tax processing based on the location of the mobile communication device. The systems and methods send transaction information including a transaction amount associated with a transaction conducted between a merchant and a consumer at an access device, to a server computer. The server computer determines a location of a mobile communication device operated by the consumer and converts an transaction amount to a currency based on a conversion rate based on the location of the mobile communication device or determines a tax amount based on the transaction amount and based on the location of the mobile communication device. The method also receives the converted transaction amount or the tax amount.

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, methods, and apparatus are provided for authenticating a consumer using challenge questions. A response to a challenge question is verified via seeding the challenge question, receiving response, and deductively determining the answer. The verified response and challenge question may then be used to authenticate a consumer as part of an authorization process.

Abstract: Embodiments of the invention provide a portable consumer device configured to store dynamic authentication data in memory. The portable consumer device also includes an interface for transmitting data to and receiving power from an external device. The dynamic authentication data is read from the memory by a read-write device located on the portable consumer device. The authentication data is updated and the updated data may be written into memory using the read-write device. In some embodiments, an authentication value read from the memory may be used to generate another authentication value based on an algorithm. The portable consumer device is further configured to transmit authentication data to an external device. The process of reading, updating, generating, transmitting, and rewriting the authentication data may occur each time external power is provided to the portable consumer device via the interface.

Abstract: Methods, devices, and systems are described for bumping a mobile device, such as a smart phone, against a fixed poster board display at a store to initiate a download of coupons, advertisements, or other benefits to the mobile device. Products can be rated by a user's up/down bump or other bump patterns. Using accelerometer-based inertial measurements, multiple users can control multiple mouse cursors on a large display with their mobile devices in order to select information to be downloaded to their mobile devices. The multiple users can bump the display in order to select their items simultaneously.

Abstract: Methods, systems, computer-readable media, and apparatuses for image-based product mapping are presented. In some embodiments, a server computer may receive, from a first computing device, a first image and information identifying a first location at which the first image was captured. The first image may include a first product. Subsequently, the server computer may receive, from a second computing device, a second image and information identifying a second location at which the second image was captured. The second image may include a second product, and the second location may be different from the first location. The server computer then may analyze the first image to identify the first product and the second image to identify the second product. Thereafter, the server computer may store, in at least one database, first information associating the first product with the first location, and second information associating the second product with the second location.