Abstract: A method for risk scoring a blockchain transaction includes: storing blockchain data associated with a blockchain, the data including a plurality of blocks, each block including a block header and transaction values, each transaction value including a sending address, recipient address, and transaction amount; receiving a new transaction value related to a proposed blockchain transaction and a node identifier associated with a node included in a blockchain network associated with the blockchain, the new transaction value including a user address, transacting address, and blockchain amount; identifying transaction values in the blockchain where the sending address or recipient address is associated with a transacting cryptographic key pair also associated with the transacting address; determining a risk score for the proposed blockchain transaction based on at least the data included in each of the identified transaction values and the new transaction value; and transmitting the determined risk score.

Abstract: Methods, systems and computer program products for selectively providing authenticated data corresponding to a payment card holder at a point-of-sale (POS) terminal are described. The method can include receiving from a terminal device, payment card account information comprising a payment card account identifier and user authentication information. Responsive to the received user authentication information matching one of a plurality of predefined authentication keys associated with the payment card account identifier, a predefined function is selected from among at least first and second predefined functions associated with the payment card account identifier—wherein the selection of the predefined function from among the first and second predefined functions is based on an association between the selected predefined function and an authentication key that has been matched with the received user authentication information.

Abstract: A method for validating a message recipient includes: storing, in a memory of a processing server, a device profile, wherein the device profile is related to a mobile computing device and includes at least a device identifier, and token validation data; receiving, by a receiver of the processing server, a data signal from an external system that is encoded with a message packet, wherein the message packet includes at least the device identifier, a device token, and a content message; validating, by a processing device of the processing server, the device token using at least the token validation data; and electronically transmitting, by a transmitter of the processing server, the content message to the mobile computing device.

Abstract: The present invention relates to the field of electronic transactions, and provides methods and systems for reducing user interventions necessary for authentication of transactions. In an embodiment the invention implements an authentication server configured to receive from a terminal device an electronic payment transaction request and device IDs corresponding to devices having wireless communication capability that are detected within a wireless communication range of the terminal device. The authentication server selects a payment account for implementing the requested electronic payment transaction, wherein selection of the payment account is based on a determination that one or more of the device IDs received from the terminal device are associated with the identified payment account, and thereafter generates a payment transaction authentication decision.

Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium for advertisement pricing. The system comprises a host server configured for performing steps of the method comprising: generating an electronic map representation of a geographical area; demarcating the electronic map representation into a plurality of demarcated regions; retrieving, from a transaction database, transaction data associated with merchant transactions in the plurality of demarcated regions; receiving, from a telecommunications service provider, mobile traffic data for generating consumer traffic data indicative of consumer traffic activity in the plurality of demarcated regions; and performing an advertisement pricing process to determine advertisement prices for each demarcated region based on at least the transaction data and consumer traffic data.

Abstract: A method for validating a message recipient includes: storing, in a memory of a processing server, a device profile, wherein the device profile is related to a mobile computing device and includes at least a device identifier, and token validation data; receiving, by a receiver of the processing server, a data signal from an external system that is encoded with a message packet, wherein the message packet includes at least the device identifier, a device token, and a content message; validating, by a processing device of the processing server, the device token using at least the token validation data; and electronically transmitting, by a transmitter of the processing server, the content message to the mobile computing device.

Abstract: A method for validating ticket authenticity includes: reading, by an optical imaging device interfaced with a computing device, a displayed machine-readable code encoded with a ticket identification value; receiving, by a receiver of the computing device, at least a digital signature from a mobile computing device; identifying, by the computing device, a blockchain data entry included in one of a plurality of blocks comprising a blockchain, wherein the blockchain data entry includes at least the ticket identification value and a public key of a cryptographic key pair; validating, by the computing device, authenticity of a ticket based on validation of the digital signature using the public key; and outputting, by the computing device, the result of the validation of the authenticity of the ticket.

Abstract: The present invention relates to the field of electronic transactions, and provides methods and systems for reducing user interventions necessary for authentication of transactions. In an embodiment the invention implements an authentication server configured to receive from a terminal device an electronic payment transaction request and device IDs corresponding to devices having wireless communication capability that are detected within a wireless communication range of the terminal device. The authentication server selects a payment account for implementing the requested electronic payment transaction, wherein selection of the payment account is based on a determination that one or more of the device IDs received from the terminal device are associated with the identified payment account, and thereafter generates a payment transaction authentication decision.

Abstract: A method for risk scoring a blockchain transaction includes: storing blockchain data associated with a blockchain, the data including a plurality of blocks, each block including a block header and transaction values, each transaction value including a sending address, recipient address, and transaction amount; receiving a new transaction value related to a proposed blockchain transaction and a node identifier associated with a node included in a blockchain network associated with the blockchain, the new transaction value including a user address, transacting address, and blockchain amount; identifying transaction values in the blockchain where the sending address or recipient address is associated with a transacting cryptographic key pair also associated with the transacting address; determining a risk score for the proposed blockchain transaction based on at least the data included in each of the identified transaction values and the new transaction value; and transmitting the determined risk score.

Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium for advertisement pricing. The system comprises a host server configured for performing steps of the method comprising: generating an electronic map representation of a geographical area; demarcating the electronic map representation into a plurality of demarcated regions; retrieving, from a transaction database, transaction data associated with merchant transactions in the plurality of demarcated regions; receiving, from a telecommunications service provider, mobile traffic data for generating consumer traffic data indicative of consumer traffic activity in the plurality of demarcated regions; and performing an advertisement pricing process to determine advertisement prices for each demarcated region based on at least the transaction data and consumer traffic data.

Abstract: Methods, systems and computer program products for selectively providing authenticated data corresponding to a payment card holder at a point-of-sale (POS) terminal are described. The method can include receiving from a terminal device, payment card account information comprising a payment card account identifier and user authentication information. Responsive to the received user authentication information matching one of a plurality of predefined authentication keys associated with the payment card account identifier, a predefined function is selected from among at least first and second predefined functions associated with the payment card account identifier—wherein the selection of the predefined function from among the first and second predefined functions is based on an association between the selected predefined function and an authentication key that has been matched with the received user authentication information.

Abstract: A method for anonymization of a blockchain transaction includes: storing a key pair comprising a private key and public key; receive an anonymization request from a computing device, the request including a destination address and transaction amount; transmitting an intermediate address based on the public key to the computing device; receiving one block in a blockchain, the one block being comprised of a block header and one or more transaction data values including a specific transaction data value comprised of the intermediate address and a transfer amount based on the transaction amount; generating a digital signature using the private key; and transmitting a new transaction data value and the digital signature to a node associated with the blockchain, the new transaction data value being comprised of the destination address and a payment amount related to the transaction amount.

Abstract: A computer implemented method for predicting dynamic pricing for a product or service is disclosed. The method comprises: receiving, at a server, transaction data for a plurality transactions relating to the product or service, the transaction data comprising transaction information indicating attributes of the transaction and booking information indicating attributes of the product or service; storing the transaction data on the server as a data set; calculating, in a derived variable calculation module of the server, derived variables for the data set from the transaction information and/or the booking information; generating, in a model generation module of the server, a model for the price of the product or service as a function of the derived variables; and predicting, in a price prediction module of the server, a price for the product or service using the model.

Abstract: A computerised method for managing travel expenditure is disclosed. The method comprises: receiving travel data for a traveller's proposed trip, the travel data comprising at least a travel budget and travel destination; receiving a user profile comprising at least an indication of spend level preference for the traveller; obtaining historic travel expenditure data for a plurality of customers; analysing the historic travel expenditure data in light of the travel data and user profile to determine an optimal proposed spend allocation for the traveller across different travel spend streams; and communicating the proposed spend allocation to the traveller along with a listing of potential merchants for each spend stream, the potential merchants being extracted from the historic travel expenditure data.

Abstract: A method of analyzing the behavior of visitors to an area is provided. The method includes receiving transaction data for visitors to the area, the transaction data includes transactions by the visitors to the area and merchant locations within the area where the transactions occurred. The method further includes receiving telecom network user data for visitors to the area, the telecom network user data including locations of mobile communication devices of visitors to the area. The method also includes combining the transaction data for visitors to the area and the telecom network user data by matching the locations of mobile communication devices of the visitors to the area with the merchant locations within the area to obtain combined visitor data, and analyzing the behavior of visitors to the area using the combined visitor data.

Abstract: In an embodiment a computer implemented method of analyzing financial transaction data, the method comprises, receiving, at a server of a payment network, an indication of a merchant from an issuing bank; determining, using the received indication, a merchant identifier that uniquely identifies the merchant in transaction data stored on a payment network data warehouse; extracting data corresponding to transactions at the merchant from the transaction data using the merchant identifier; analyzing the data corresponding to transactions at the merchant to determine key performance indicators for the merchant.