Abstract: Sensor data analysis may include obtaining video data, detecting facial data within the video data, extracting the facial data from the video data, detecting indicator data within the video data, extracting the indicator data from the video data, transforming the extracted facial data into representative facial data, and determining a mood of the person by associating learned mood indicators derived from other detected facial data with the representative facial data. The analysis may include determining that the representative facial data is associated with a complex profile, and determining a context regarding the person within the environment by weighting and processing the determined mood, at least one subset of data representing information about the person of the complex profile, and the indicator data. The analysis may include determining a user experience for the person, and communicating the determined user experience to a device associated with the person.

Abstract: The CLOUD SERVICE FACILITATOR APPARATUSES, METHODS AND SYSTEMS (“CSF”) transforms user purchase requests, refund requests, and product/service replacement requests via CSF components into transaction records, refunds, and replacement products/services outputs. The CSF may receive a consumer purchase request for a cloud service from a merchant. In response to the request, the CSF may generate a unique record key for the purchase and may transmit the unique record key to the merchant. The CSF may further receive additional transaction information and the unique record key from the merchant. In response to the received information and the unique key, the CSF may provide additional service to the merchant or the consumer.

Abstract: The present disclosure relates to systems and methods for creating and training neural networks. The method includes collecting a set of signals from a database; applying a transform to each signal to create a modified set of signals, wherein signals of the modified set of signals are wavelets; iteratively, for each of a subset of the modified signals: training the neural network using a modified signal of the subset by adding at least one node to the neural network in response to an error function of an analysis of the modified signal exceeding a threshold; removing nodes from the neural network with activation rates below an activation rate threshold; and grouping each node into a lobe among a plurality of lobes, wherein nodes belonging to a lobe have a common characteristic.

Abstract: Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.

Abstract: A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized.

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: Systems and method for improved consumer and portable consumer device authentication are disclosed. Such systems and methods may include using dynamic verification values, challenge questions, and consumer notification as ways to prevent fraudulent transactions from being conducted.

Abstract: A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization request message to an issuer for approval, the authorization request message including a request to charge a predetermined amount of money to pay for access to a location, and entering the location if the gate access device receives an authorization response message indicating that the charge is authorized.

Abstract: The MERCHANT-CONSUMER BRIDGING PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MCB-Platform”) various activity requests (e.g., transaction request, merchant information update request, offer issuance request, etc.) via MCB-Platform components into transaction records and merchant database updates outputs.

Abstract: In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.

Abstract: An analytics platform processor-implemented method comprising obtaining a computer-based electronic message including a request for an analytics recommendation including a user identifier. Upon obtaining the electronic message, querying a distributed linking node mesh for entities correlated with the user identifier. Generating a user behavior profile based on the queried entities correlated with the user identifier. Determining a product or service using the user behavior profile. Providing an indication of the product or service to the server in response to the request for the analytics recommendation. Wherein the distributed linking node mesh includes a node representing an observable entity and a node representing a deduced entity derived through aggregating information associated with the user.

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: The present disclosure relates to systems and methods for detecting and identifying anomalies within a discrete wavelet database. In one implementation, the system may include one or more memories storing instructions and one or more processors configured to execute the instructions. The instructions may include instructions to receive a new wavelet, convert the net transaction to a wavelet, convert the wavelet to a tensor using an exponential smoothing average, calculate a difference field between the tensor and a field having one or more previous transactions represented as tensors, perform a weighted summation of the difference field to produce a difference vector, apply one or more models to the difference vector to determine a likelihood of the new wavelet representing an anomaly, and add the new wavelet to the field when the likelihood is below a threshold.

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: The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Abstract: In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a new verification value. This information can be determined using processor that may reside in a point of sale terminal, a smart card, or a computer operated by a user. The new account number, the new expiration date, and the new verification value can be used in a payment transaction. A server computer in a central payment processing network may determine that the new account information is not the real account information, and may subsequently generate a modified authorization request message using the real account information and may send it to an issuer for approval. The transmission of data is more secure, since real account information is not sent from the merchant to the payment processing network.

Abstract: A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

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: Systems and methods described herein are for transmitting a command to a remote system. A processing system determines the identity of the user based on the unique identifier and the biometric information. Thereafter, a sensor detects a gesture performed by the user. The sensor is configured to detect the gesture performed by the user when the user is located within the detectable range of the wireless antenna. The processing system determines an action associated with the detected gesture based on the identity of the user and sends a command to a remote computer system to cause it to perform the action associated with the detected gesture.

Abstract: The present disclosure relates to systems and methods for creating and using personas. The method includes receiving a first set of input signals associated with data from one or more source; receiving a second set of input signals associated with data from one or more source; converting the first set of input signals and the second set of input signals to a wavelet; constructing a persona based on the wavelet; storing the persona in a ledger; receiving a request for a decision related to a transaction; converting the request to a new wavelet; determining a difference between the new wavelet and the stored persona; generating a score based on the difference; and authorizing the transaction based on the score.