Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Abstract: Systems and methods for issuer-specified domain control on a payment instrument are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for issuer-specified domain controls on a payment instrument may include: (1) receiving, from an issuer of a financial instrument, an identification of a domain control or restriction on a payment token for the financial instrument, the domain control or restriction to be applied by the issuer; (2) requesting generation of the payment token with a pass-through indicator from a token service provider; (3) receiving, from the token service provider, the payment token; and (4) storing an association of the domain control or restriction and the payment token.

Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Abstract: Systems and methods for issuer-specified domain control on a payment instrument are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for issuer-specified domain controls on a payment instrument may include: (1) receiving, from an issuer of a financial instrument, an identification of a domain control or restriction on a payment token for the financial instrument, the domain control or restriction to be applied by the issuer; (2) requesting generation of the payment token with a pass-through indicator from a token service provider; (3) receiving, from the token service provider, the payment token; and (4) storing an association of the domain control or restriction and the payment token.

Abstract: Systems and methods for providing pre-emptive intercept warning for online privacy or security are disclosed. In one embodiment, at a privacy security appliance comprising at least one computer processor, a method for may include: (1) establishing a virtual private network (VPN) connection with a computer application executed by a client device; (2) receiving, over the VPN connection, an internet protocol (e.g., HTTP or HTTPS) request for a website host; (3) communicating the internet protocol request to the website host; (4) receiving a response to the internet protocol request from the website host; (5) inspecting the response for privacy or security issues with embedded links in the response; (6) scoring the embedded links based on the inspection; (7) generating a mock webpage based on the response comprising the scoring for the embedded links; and (8) delivering the mock webpage with the scoring to the application over the VPN. The mock webpage may include links to the embedded links.

Abstract: In supply-side information processing apparatus comprising at least one computer processor, a method for providing a user with intent-based ads may include: (1) receiving, from an intent broker, intent identifiers for intent categories of user intents; (2) communicating the intent identifiers to a demand-side platform, the demand-side platform comprising a plurality of advertisers and merchants; (3) receiving, from a supply-side SDK on a user electronic device, personal data for a user, wherein the supply-side SDK captures the personal data from a publisher application executed on the user electronic device; (4) retrieving, based on the personal data and from the intent broker, a user intent identifier for the user, the user intent identifier matching one of the intent categories; (5) communicating the user intent identifier to the supply-side SDK, wherein the supply-side SDK requests an intent-based ad from the demand-side platform using the user intent identifier.

Abstract: Systems, methods, and devices for obfuscation of browser fingerprint data are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method may include: (1) receiving an electronic communication from an electronic device to a destination; (2) identifying a raw device fingerprint value in the electronic communication from an electronic device; (3) selecting at least one replacement value for the raw device fingerprint value; (4) replacing the raw device fingerprint value with the replacement value in the electronic communication; and (5) sending the electronic communication with the replacement value to the destination.

Abstract: Systems and methods for providing pre-emptive intercept warning for online privacy or security are disclosed. In one embodiment, at a privacy security appliance comprising at least one computer processor, a method for may include: (1) establishing a virtual private network (VPN) connection with a computer application executed by a client device; (2) receiving, over the VPN connection, an internet protocol (e.g., HTTP or HTTPS) request for a website host; (3) communicating the internet protocol request to the website host; (4) receiving a response to the internet protocol request from the website host; (5) inspecting the response for privacy or security issues with embedded links in the response; (6) scoring the embedded links based on the inspection; (7) generating a mock webpage based on the response comprising the scoring for the embedded links; and (8) delivering the mock webpage with the scoring to the application over the VPN. The mock webpage may include links to the embedded links.

Abstract: Systems and methods for universal system-to-system communication management and analysis are disclosed. According to one embodiment, in an analysis engine comprising at least one computer processor, a method for automating architecture design may include: (1) receiving, from an API database, static API information enriched with dynamic usage data; (2) generating a plurality of architecture designs based on the static API information enriched with the dynamic usage data and a plurality of rules, wherein an architect selects one of the plurality of architecture designs; (3) receiving feedback resulting from a simulation of the selected architecture; and (4) heuristically enhancing at least one of the plurality of rules based on the feedback.

Abstract: Systems, methods, and devices for tracking and managing data shared with third parties are disclosed. In one embodiment, a method including: retrieving data collection and usage policies of an entity; processing the data collection and usage policies with a natural language processing (NLP) model; generating, by the NLP model, predictive data collection and data usage attributes; generating a feature vector from the predictive data collection and data usage attributes; processing the feature vector with a graph neural network; storing data structured as a graph including the entity and the predictive data collection and data usage attributes; and processing the data structured as a graph with a classifier model that labels the entity as a first node in the data structured as a graph and predicts an edge to a second node in the data structured as a graph based on the predictive data collection and data usage attributes.

Abstract: Systems, methods, and devices for assigning a transaction risk score are disclosed. According to one embodiment, a method for generating a transaction risk score may include: (1) receiving, by a transaction scoring service computer program and from an electronic device, a merchant URL that is being accessed by an application or a browser executed on the electronic device; (2) retrieving, by the transaction scoring service computer program, a plurality of transactions involving the merchant URL; (3) generating, by the transaction scoring service computer program, a risk score for the merchant URL based on the plurality of transactions; (4) generating, by the transaction scoring service computer program, a warning in response to the risk score exceeding a predetermined threshold; and (5) communicating, by the transaction scoring service computer program, the warning to the application or the browser.

Abstract: Systems, methods, and devices for obfuscation of browser fingerprint data are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method may include: (1) receiving an electronic communication from an electronic device to a destination; (2) identifying a raw device fingerprint value in the electronic communication from an electronic device; (3) selecting at least one replacement value for the raw device fingerprint value; (4) replacing the raw device fingerprint value with the replacement value in the electronic communication; and (5) sending the electronic communication with the replacement value to the destination.

Abstract: The present disclosure relates to a pre-5th-Generation (5G) or 5G communication system to be provided for supporting higher data rates beyond 4th-Generation (4G) communication system such as long-term evolution (LTE). The present disclosure provides a device and a method for calibrating a phased array antenna. A method for calibrating a phased array antenna according to various embodiments of the disclosure comprises the processes of: controlling a first radio frequency (RF) chain so as to transmit a first signal at a first phase, thereby determining the phase difference between the first phase and a reference phase; controlling the first RF chain so as to transmit a second signal at a second phase, thereby determining the phase condition of the phase difference; and calibrating the first RF chain on the basis of the phase difference and the phase condition. The reference phase may be the phase of a reference signal transmitted from a reference RF chain.

Abstract: Systems and methods for universal system-to-system communication management and analysis are disclosed. According to one embodiment, in an analysis engine comprising at least one computer processor, a method for automating architecture design may include: (1) receiving, from an API database, static API information enriched with dynamic usage data; (2) generating a plurality of architecture designs based on the static API information enriched with the dynamic usage data and a plurality of rules, wherein an architect selects one of the plurality of architecture designs; (3) receiving feedback resulting from a simulation of the selected architecture; and (4) heuristically enhancing at least one of the plurality of rules based on the feedback.

Abstract: Systems and methods for systems and methods for customer identity protection from service or product providers are disclosed. In one embodiment, a method may include: receiving, by a trusted third-party and from a customer, a request for a verified vendor token for a vendor of a good or service; generating, by the trusted third-party, the verified vendor token comprising a unique identifier; mapping, by the trusted third-party, the unique identifier to a customer identifier; receiving, by the trusted third-party and from the vendor, the verified vendor token, verifying, by the trusted third-party, that the verified vendor token is valid; confirming, by the trusted third-party, a payment relationship with the vendor; receiving, by the trusted third-party and from the vendor, the verified vendor token and an invoice for the good or service; and issuing, by the trusted third-party, payment for the good or service to the vendor.

Abstract: Systems and methods for token linking and unlinking in digital wallets are disclosed. In one embodiment, a method for token linking in digital wallets may include: an issuer wallet application executed by the information processing device requesting, from a token vault, an identification of a customer's accounts that are eligible for push-provisioning to a third party wallet application executed by the information processing device; receiving the identification of customer accounts from the token vault; identifying accounts provisioned in the third party wallet application; determining accounts from the customer accounts that have not been provisioned to the third party wallet application to provision to the third party wallet application; provisioning the determined accounts to the third party wallet application; and requesting the token vault link a token associated with the provisioned account to an issuer wallet associated with the issuer wallet application.

Abstract: Systems and methods real-time application configuration for NFC transactions using a secure-element based wallet are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for application configuration for NFC transactions may include: (1) a computer application executed by the information processing device receiving a selection of a provisioned financial instrument and a payment feature; (2) the computer application identifying a directory entry for the provisioned financial instrument having the selected payment feature; and (3) the computer application modifying an application priority indicator in the identified directory entry.

Abstract: Systems and methods for federated privacy management are disclosed. In one embodiment, a method for federated privacy management may include: (1) receiving, at a user management node, and from a client application executing on an electronic device, a device identifier; (2) receiving, by the user management node, and from a second layer node in a multi-layer federated privacy management network, data comprising at least one of browsing data and application data from a web host or a server, wherein the data is in response to an internet protocol request from the client application via a first layer node and the second layer node to the web host or the server, and the data is associated with the device identifier; (3) receiving, at the user management node, a request for the data from the client application using the device identifier; and (4) communicating the data to the client application.

Abstract: Systems and methods for protection of data across multiple users and devices are disclosed. According to one embodiment, in privacy server comprising at least one computer processor, a method for protection of data across multiple users and devices may include: (1) receiving, from a first user device, a data sharing permission for the first user device and a data sharing permission for a second user device, the first user device and the second user device associated with the same user; (2) provisioning the data sharing permission for the second user device; and (3) communicating the provisioned data sharing permission to the second user device, wherein the second user device shares data with the first user device according to the provisioned data sharing permission.

Abstract: Systems and methods for providing pre-emptive intercept warning for online privacy or security are disclosed. In one embodiment, at a privacy security appliance comprising at least one computer processor, a method for may include: (1) establishing a virtual private network (VPN) connection with a computer application executed by a client device; (2) receiving, over the VPN connection, an internet protocol (e.g., HTTP or HTTPS) request for a website host; (3) communicating the internet protocol request to the website host; (4) receiving a response to the internet protocol request from the website host; (5) inspecting the response for privacy or security issues with embedded links in the response; (6) scoring the embedded links based on the inspection; (7) generating a mock webpage based on the response comprising the scoring for the embedded links; and (8) delivering the mock webpage with the scoring to the application over the VPN. The mock webpage may include links to the embedded links.