Abstract: A computer system includes a processor programmed to process a first web page to identify a hyperlink contained thereon. The hyperlink includes a link to a second web page. The processor performs natural language processing on the first web page to determine one or more context word tokens and on the second web page to determine a context of the second web page. The processor also applies a context relevant tag to the hyperlink to generate a tagged hyperlink. The processor maps at least one of the context word tokens to the context relevant tag applied to the hyperlink and generates a transaction score for the tagged hyperlink.

Abstract: A system and method for enabling dynamic expiration dates in a payment card. An algorithm executes on a computing device to create a private blockchain that is controlled by an inquiry block exchange. A payment card holder (PCH) metablock is generated when a first payment card issuer creates a PCH profile. This PCH profile is maintained within a security zone on the network. The security zone comprises multiple modules. These modules include a dynamic smart contract (DSC) execution engine module for generating a DSC hash value that identifies the DSC for the PCH profile metablock. A hyper-ledger fabric module enables dynamic parameters to be stored as an asset in the DSCs. A metablock generator module creates a PCH profile metablock and hashes the data in a subscribed hashing algorithm. The hashed data includes private keys and cryptographic keys in a secured element section of the PCH profile metablock.

Abstract: A system for identifying genuine user-merchant association. The system includes one or more processors and/or transceivers individually or collectively programmed to check the validity or expiration of a certificate from a device from which a request originates to create a certificate score, analyze previous communication from the device from which the request originates across a plurality of entities and regions to create a previous communication score, and conduct a messaging protocol check to create a protocol score. The one or more processors and/or transceivers are also programmed to output a weighted final score comprising a determination of whether to accept or deny the request based at least in part on one or more of the certificate scores, the previous communication score, or the protocol score. The one or more processors and/or transceivers are also programmed to save the weighted final score.

Abstract: Embodiments provide methods and systems for assigning privacy labels to payment transactions. The method performed by a system includes receiving user input for masking a subset of data fields of a plurality of data fields in transaction data of the payment transaction performed within a pre-defined time period of occurrence of the payment transaction. The method includes assigning a mask label to the subset of data fields in the transaction data. Upon receiving a transaction insight request for the payment transaction from a third party server, the method includes determining whether the mask label is assigned to the subset of data fields. The method includes generating masked transaction data for the payment transaction based, at least in part, on masking the subset of data fields associated with the payment transaction in the transaction data. The method includes facilitating the transfer of the masked transaction data to the third party server.

Abstract: Embodiments provide methods and systems for analyzing device behavior data in multi-factor authentication (MFA) process. The method includes receiving, by a server system, a request in association with a payment transaction between a cardholder and a merchant. The request includes a cardholder identifier and information of a successful verification of a user input entered by the cardholder to perform MFA of the payment transaction. The method includes identifying user profile data stored in a database based on the cardholder identifier. The user profile data includes information of a plurality of registered user devices associated with the cardholder. The method includes performing device behavioral analysis of one or more user devices. The method includes generating an MFA token associated with the payment transaction based on the device behavioral analysis. The method includes transmitting the MFA token for authorizing the payment transaction to a payment server associated with a payment network.

Abstract: A system and method for reducing financial fraud by suspending access to financial accounts due to a user's incapacitation. A fall detection alert is received from a device worn or carried by the user, and first status values are recorded. After a pre-established period of time, second status values are recorded, and the first and second status values are compared. An incapacitation of the user is inferred if the second status values are within a pre-established range of the first status values, and access to the accounts is suspended for at least some purchases based on this inferred incapacitation. Prior to suspending access, a notification may be sent to the user to allow the user to act to avoid the suspension. Access to the accounts may not be suspended for medical or other relevant purchases. Subsequent to suspending access, the user may request and access may be reinstated.

Abstract: A system and method for verifying a signature in real-time when authenticating a card-based transaction. Initially, a digital reference signature is captured on a mobile device, sent in hashed form to a rules engine, and evaluated for features such as length, time, orientation, area, and pressure changes. Subsequently, a digital transaction signature is captured on a POS terminal, sent in hashed form to the rules engine via an acquirer, and evaluated for the same features. The rules engine compares the features of the signatures. If the transaction signature is verified, the rules engine sends an authentication token to the acquirer, and the acquirer sends the token and an authorization request to an issuer. If not, the acquirer sends a denial message to the merchant. If the power level of the POS terminal is insufficient to properly capture the transaction signature for effective evaluation, then an alternative authentication method is used.

Abstract: A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.

Abstract: Registering a biometric template with a computing device includes receiving a first scan of a biometric feature from a biometric sensor. The first scan includes first biometric data. The computing device extracts two or more distinct elements of the biometric feature and writes a biometric template to a memory. The first characterization data for each of the two or more distinct elements is recorded in the biometric template. After recording the first characterization data in the biometric template, the computing device receives an additional scan of the biometric feature from the biometric sensor. The additional scan includes second biometric data. The computing device validates the biometric template against the second biometric data. After validating the biometric template, the biometric template is updated with second characterization data. The second characterization data is associated with two or more additional distinct elements of the biometric feature contained in the second biometric data.

Abstract: Systems, apparatuses and methods may provide for technology to store hardware details associated with a plurality of hardware components of a computing device. The technology further extracts a first hardware identifier from first authentication data received from the computing device, where the first hardware identifier is associated with a first hardware component of the computing device, and determines whether to validate the first hardware component based on a comparison of the first hardware identifier to a first hardware detail of the hardware details.

Abstract: A method for authentication of non-fungible tokens (NFTs) includes receiving a validation request for an NFT from an external platform including a smart contract identifier; calculating an authentication score for the NFT based on at least (i) wallet activity associated with a creator blockchain wallet identified based on the smart contract identifier, and (ii) a fraud score of the external platform; and if the calculated authentication score for the NFT is below a predetermined threshold value, transmitting a negative response message to the validation request indicating unsuccessful validation of the NFT, or if the calculated authentication score for the NFT is above the predetermined threshold value, transmitting a positive response message to the validation request indicating successful validation of the NFT and instructing the external platform to execute a smart contract associated with the smart contract identifier.

Abstract: A method for adapting text message communications in electronic financial transactions to accommodate users with color vision deficiency. During a registration process, a primary account number, a selection of an enrollment in a color vision deficiency accommodation service, a selection of a preferred critical text color, and an electronic device identifier are received from a user. During a subsequent electronic card present transaction process, the primary account number and the electronic device identifier are received from the user via a payment gateway webpage. During an adaptation process, a text of a message containing a critical text element communicated to the user regarding the transaction is adapted by presenting the critical text element in the preferred critical text color previously selected by the user. The message may be adapted within a template, or the message may be dynamically adapted by searching the message and identifying the critical text element.

Abstract: Registering a biometric template with a computing device includes receiving a first scan of a biometric feature from a biometric sensor. The first scan includes first biometric data. The computing device extracts two or more distinct elements of the biometric feature and writes a biometric template to a memory. The first characterization data for each of the two or more distinct elements is recorded in the biometric template. After recording the first characterization data in the biometric template, the computing device receives an additional scan of the biometric feature from the biometric sensor. The additional scan includes second biometric data. The computing device validates the biometric template against the second biometric data. After validating the biometric template, the biometric template is updated with second characterization data. The second characterization data is associated with two or more additional distinct elements of the biometric feature contained in the second biometric data.

Abstract: A system and method for performing a transaction at a software-based POS system of a merchant includes receiving, from the software-based POS system, a payment authorization request message. A processor is programmed to extract a dynamic hashed security token from the payment authorization request message. In addition, the processor is programmed to validate the dynamic hashed security token and, upon validating the dynamic hashed security token, determine that the software-based POS system that transmitted the payment authorization request message is running a mobile POS software application. Furthermore, the processor is programed to extract the hardware identifier and the application identifier from the transaction data and compare them to account registration information stored with a merchant account.

Abstract: The disclosure describes techniques for authenticating a voice command transaction initiated by a consumer at a voice-activated digital assistant. The system determine a proximity score for a consumer device. The proximity score is based on a distance between the consumer device and the digital assistant. The system detects motion indicating presence of a person proximate the digital assistant (based on wireless signal data) and determines a motion score. The system receives voice data from the digital assistant and determines a voice differentiation score. The system determines a rank score for the consumer device based on historical transaction data associated with the device. The system analyzes the proximity score, motion score, voice differentiation score, and rank score using a voice command authentication model. Based on the analysis, the system determines an authentication score for the voice command transaction request.

Abstract: A method for adapting text message communications in electronic financial transactions to accommodate users with color vision deficiency. During a registration process, a primary account number, a selection of an enrollment in a color vision deficiency accommodation service, a selection of a preferred critical text color, and an electronic device identifier are received from a user. During a subsequent electronic card present transaction process, the primary account number and the electronic device identifier are received from the user via a payment gateway webpage. During an adaptation process, a text of a message containing a critical text element communicated to the user regarding the transaction is adapted by presenting the critical text element in the preferred critical text color previously selected by the user. The message may be adapted within a template, or the message may be dynamically adapted by searching the message and identifying the critical text element.

Abstract: The disclosure describes systems and techniques for assessing risk of an open Wi-Fi network, at a consumer's request, before the consumer performs a transaction. The system receives a Wi-Fi network risk assessment request associated with a Wi-Fi network connection of a mobile device. Upon receiving the request, the system retrieves connection-related data from the mobile device. The connection-related data is associated with the Wi-Fi network connection. The system performs a Wi-Fi risk assessment of the Wi-Fi network connection. The system transmits a result of the risk assessment to the mobile device for presentation on the mobile device. The system also transmits the result of the risk assessment to an issuer server. The issuer server is associated with a payment account of the consumer. Moreover, the system transmits a step-up authentication alert to the issuer server.

Abstract: An audio file authentication system configured to extract a plurality of audio features for a plurality of raw audio files containing a digital recording of a specific user's voice, provide an authenticated audio file that includes a digital recording the specific user's voice based on the authentication information for the specific user, generate a parent hash key and sequential child hash keys that are unique to the authenticated audio file, and generate a processed audio file in which the parent hash key and each of the sequential child hash keys is inserted sequentially as data within the audio gaps of the audio file.

Abstract: The disclosure describes systems and techniques for assessing risk of an open Wi-Fi network, at a consumer's request, before the consumer performs a transaction. The system receives a Wi-Fi network risk assessment request associated with a Wi-Fi network connection of a mobile device. Upon receiving the request, the system retrieves connection-related data from the mobile device. The connection-related data is associated with the Wi-Fi network connection. The system performs a Wi-Fi risk assessment of the Wi-Fi network connection. The system transmits a result of the risk assessment to the mobile device for presentation on the mobile device. The system also transmits the result of the risk assessment to an issuer server. The issuer server is associated with a payment account of the consumer. Moreover, the system transmits a step-up authentication alert to the issuer server.

Abstract: A device and method of authentication includes pairing a card to a mobile electronic device and a wearable device. A machine learning model is trained by obtaining first received signal strength indicator (RSSI) data from the card, the mobile electronic device, and the wearable device at calibrated distances. A first estimated proximity radius encompassing the card, the mobile electronic device, and the wearable device is calculated. The first estimated proximity radius is classified to be within a threshold. Upon receipt of a request to authorize a request, second RSSI data from the card, the mobile electronic device, and the wearable device is obtained. A second estimated proximity radius encompassing the card, the mobile electronic device, and the wearable device is calculated. Using the trained machine learning model, the second estimated proximity radius is determined to be within the threshold. Authentication is then complete.