Abstract: Embodiments disclosed are directed to a system that performs steps to perform enhanced device fingerprinting. The system at least at receives from an application, a plurality of device attributes identifying a client device on which the application is being used. The plurality of device attributes includes a push token provided by a push token service to the client device. The push token is uniquely paired to the client device. The system further transmits, to a device database, the plurality of device attributes for storage in a device profile. The system also transmits, to the application, a push notification based on the push token. The system receives, from the application, a deliverable status indicating whether the push notification was successfully transmitted to the client device, and transmits, to a notification database, the deliverable status for storage in a notification delivery profile. The system can use the information to authenticate a device.

Abstract: Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.

Abstract: Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.

Abstract: A method for determining authenticity of an object in real-time is disclosed. The method being performed by a processor includes receiving image data of the object. The image data includes both the captured image showing a visual representation of the object as well as depth data describing the relative distance between different objects in the image and the camera. This depth information is analyzed in order to determine a liveness of the object. The analysis may include verifying a sufficient change in depth between the subject and a background as well as comparing an edge of a foreground object to an expected edge or an edge determined from the image. Based on this analysis, a determination can be made as to whether the image is of a live (e.g., real) subject.

Abstract: Systems and methods for controlling data access through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. Data access control may be provided in the context of creating and accessing a secure memory block in a client device, including handling requests to obtain create and access a secure memory block via the interaction of a short-range transceiver, such as a contactless card, with a client device such that, once the secure memory block is created in memory of the client device, personal user data may be stored in the secure memory block, and access to the stored personal user data may only be provided to users authorized to review the data.

Abstract: Embodiments disclosed are directed to a system that performs steps to perform enhanced device fingerprinting. The system at least at receives from an application, a plurality of device attributes identifying a client device on which the application is being used. The plurality of device attributes includes a push token provided by a push token service to the client device. The push token is uniquely paired to the client device. The system further transmits, to a device database, the plurality of device attributes for storage in a device profile. The system also transmits, to the application, a push notification based on the push token. The system receives, from the application, a deliverable status indicating whether the push notification was successfully transmitted to the client device, and transmits, to a notification database, the deliverable status for storage in a notification delivery profile. The system can use the information to authenticate a device.

Abstract: Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.

Abstract: Systems, methods, and computer-readable storage media for scanning a mobile computing device for applications produced by partnered entities and providing benefits when those applications are found. An exemplary system does this by accessing a list of applications and associating each application with a respective entity which has a rewards program linked to a specific entity. The system issues a request for application information of the applications which are installed on the mobile computing device, identifies applications that match the list of applications in the data record, and generates at least one notification based on the identified applications and the rewards program. The system then displays the at least one notification.

Abstract: Systems and methods for controlling data access through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. Data access control may be provided in the context of creating and accessing a secure memory block in a client device, including handling requests to obtain create and access a secure memory block via the interaction of a short-range transceiver, such as a contactless card, with a client device such that, once the secure memory block is created in memory of the client device, personal user data may be stored in the secure memory block, and access to the stored personal user data may only be provided to users authorized to review the data.

Abstract: Various embodiments are directed to securely verifying an identity of a user who is requesting to add or link a financial instrument to a third-party digital wallet using one-tap contactless card authentication. The financial instrument may be added or linked to the third-party wallet in at least two scenarios: pull provisioning and push provisioning. In either provisioning scenarios, the user may be required to authenticate the financial instrument being added or linked by successfully verifying the identity of the user via the one-tap contactless card authentication at a banking application associated with the financial instrument.

Abstract: Systems, methods, and computer-readable storage media for scanning a mobile computing device for applications produced by partnered entities and providing benefits when those applications are found. An exemplary system does this by accessing a list of applications and associating each application with a respective entity which has a rewards program linked to a specific entity. The system issues a request for application information of the applications which are installed on the mobile computing device, identifies applications that match the list of applications in the data record, and generates at least one notification based on the identified applications and the rewards program. The system then displays the at least one notification.

Abstract: Various embodiments are directed to securely verifying an identity of a user who is requesting to add or link a financial instrument to a third-party digital wallet using one-tap contactless card authentication. The financial instrument may be added or linked to the third-party wallet in at least two scenarios: pull provisioning and push provisioning. In either provisioning scenarios, the user may be required to authenticate the financial instrument being added or linked by successfully verifying the identity of the user via the one-tap contactless card authentication at a banking application associated with the financial instrument.

Abstract: Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.

Abstract: Systems and methods for controlling data access through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. Data access control may be provided in the context of creating and accessing a secure memory block in a client device, including handling requests to obtain create and access a secure memory block via the interaction of a short-range transceiver, such as a contactless card, with a client device such that, once the secure memory block is created in memory of the client device, personal user data may be stored in the secure memory block, and access to the stored personal user data may only be provided to users authorized to review the data.

Abstract: Embodiments disclosed are directed to a system that performs steps to perform enhanced device fingerprinting. The system at least at receives from an application, a plurality of device attributes identifying a client device on which the application is being used. The plurality of device attributes includes a push token provided by a push token service to the client device. The push token is uniquely paired to the client device. The system further transmits, to a device database, the plurality of device attributes for storage in a device profile. The system also transmits, to the application, a push notification based on the push token. The system receives, from the application, a deliverable status indicating whether the push notification was successfully transmitted to the client device, and transmits, to a notification database, the deliverable status for storage in a notification delivery profile. The system can use the information to authenticate a device.

Abstract: Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.

Abstract: Systems and methods for controlling data access through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. Data access control may be provided in the context of creating and accessing a secure memory block in a client device, including handling requests to obtain create and access a secure memory block via the interaction of a short-range transceiver, such as a contactless card, with a client device such that, once the secure memory block is created in memory of the client device, personal user data may be stored in the secure memory block, and access to the stored personal user data may only be provided to users authorized to review the data.

Abstract: Systems, methods, and computer-readable storage media for scanning a mobile computing device for applications produced by partnered entities and providing benefits when those applications are found. An exemplary system does this by accessing a list of applications and associating each application with a respective entity which has a rewards program linked to a specific entity. The system issues a request for application information of the applications which are installed on the mobile computing device, identifies applications that match the list of applications in the data record, and generates at least one notification based on the identified applications and the rewards program. The system then displays the at least one notification.

Abstract: Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.

Abstract: Various embodiments are directed to securely verifying an identity of a user who is requesting to add or link a financial instrument to a third-party digital wallet using one-tap contactless card authentication. The financial instrument may be added or linked to the third-party wallet in at least two scenarios: pull provisioning and push provisioning. In either provisioning scenarios, the user may be required to authenticate the financial instrument being added or linked by successfully verifying the identity of the user via the one-tap contactless card authentication at a banking application associated with the financial instrument.