Abstract: A system for processing a transaction by a user at a transaction point comprising: a data processing module configured to generate a transaction signal when an initiation of the transaction at a POST device of a transaction point by the user using a transaction initiator is detected, wherein the transaction signal comprises a transaction data; a data delivery module configured to transmit the transaction data from the POS device to a remote processor and optionally to a secondary computer based device of the user; a tagging module configured to enable the user to tag the transaction data when a prompt is displayed on the hand held computer based device; and a report generation module configured to generate a report corresponding to any client selected by the user through the hand held computer based device of the user.

Abstract: Described is a technology that enables a customer, who uses a payment card in a point-of-sale (POS) transaction and provides a biometric identifier to the merchant, to use the biometric identifier as a payment mechanism in future transactions. In some embodiments, the technology involves communication between a customer's user device, a payment service system (PSS), and one or more merchant POS systems. A merchant POS system collects information around the time or after the time of the POS transaction between the merchant POS system and the customer, including, among others, a biometric identifier of the customer and forwards this information to the PSS. The PSS stores the biometric identifier in association with the payment card used in the transaction. In a second transaction, the customer may provide the biometric and the PSS may process the transaction based at least in part on the identifier without the customer needing to provide a payment card.

Abstract: Embodiments include apparatuses, methods, and systems for performing security protection of association between a user device and a user. A computing system receives from a service provider a notification that an identifier of a user device has been activated in the user device to be associated with a user identifier to replace an existing identifier of the user device associated with the user identifier. The computing system further receives from the user device a request for information associated with the user identifier to be sent to the user device associated with the identifier of the user device. Before sending the requested information to the user device, the computing system verifies the identifier of the user device has been activated by the user by an additional authentication of the user through a communication path between the user and the computing system. Other embodiments may also be described and claimed.

Abstract: Methods of detecting scan avoidance events during decode sessions are disclosed herein. An example method includes during a timeout period at one or more processors of the symbology scanner, identifying and decoding a transaction affecting indicia on an object in one or more images to obtain a transaction affecting payload; during the timeout period at the one or more processors, identifying one or more visual features in the one or more images; and in response to identifying a non-transaction affecting indicia associated with the one or more visual features, and failing to identify or decode the transaction affecting indicia, determining a potential scan avoidance attempt and generating a scan avoidance alarm signal.

Abstract: The present disclosure provides a self-service settlement method, apparatus and storage medium, and relates to the technical field of self-service shopping, wherein the method includes: obtaining a monitoring image acquired by an image capture device and corresponding to commodities to be settled which are placed on a settlement counter; obtaining information of the commodities to be settled through image recognition; obtaining a first weight acquired by a weight detection device, obtaining a second weight based on the information of the commodities to be settled, judging whether the information of the commodities to be settled is matched with commodities to be confirmed according to a weight comparison result; and obtaining purchased commodity settlement information under the condition that the information of the commodities to be settled is matched with the commodities to be confirmed, and performing checkout processing.

Abstract: The electronic device may invoke a host application. The device may display a first host user interface on the display, the first host user interface including a first host user interface component associated with a child application. In response, the device may invoke, using the host application, the child application executed at the electronic device. The device may transmit, using the host application, a request for data associated with a child user interface component to the child application. The device may transmit, using the child application, the request for data associated with the child user interface component to a child application server, wherein the data associated with the child user interface component is inaccessible by the host application. The device may receive, using the child application, the data associated with the child user interface component from the child application server. The device may display the child user interface component.

Abstract: A computer-implemented method for facilitating payment of a total amount comprising multiple future instalments by a customer (3), the method comprising: receiving, at an instalment payment server (5), an indication from a mobile device (7) associated with the customer (3) to set up the payment by the multiple future instalments; generating first authorisation data indicative of an authorisation of the multiple future instalments; sending the first authorisation data to a mobile device (7). The method may include displaying on the mobile device (7) an optical machine readable representation of the first authorisation data; and scanning, by a merchant POS system (13) associated with a merchant (11), the optical machine readable representation of the first authorisation data from the mobile device (7).

Abstract: Technologies for securely processing payment transactions include a mobile device configured to generate a secure payment transaction request message for a payment transaction. The request message includes a public key address derived from a public key of a public/private key pair. A multi-factor device receives the request message and generates a reference public key address as a function of the corresponding private key of the public/private key pair. The multi-factor device determines whether the public key address included in the received request message matches the generated reference public key address. The multi-factor device generates and transmits a response message to the mobile device including status indicator data based on the determination whether the received public key address matches the generated reference public key address. The mobile device processes or blocks the payment transaction as a function of the status indictor data. Other embodiments are described and claimed.

Abstract: A computer implemented method includes establishing a wireless communication order session between a communication device associated with a vehicle and an establishment communication system in response to the vehicle being within an ordering area, receiving transaction information indicative of a transaction transmitted from the communication device associated with the vehicle, and associating the transaction with the vehicle.

Abstract: A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.

Abstract: Identity verification using payment instrument(s) is described. In an example, an identifier associated with a user can be associated with a secure storage component of a payment instrument associated with the user. A verifying entity—which can be a computing resource and/or a service provider—can receive a request to access a computing resource availed via a computing device operable by the user. The verifying entity can determine whether to grant the user access to the computing resource based at least in part on an interaction between the payment instrument and a reader device associated with the computing device.

Abstract: A wearable transaction device may include a housing, a fastener component attached to the housing, and an electronic chip secured within the housing. The wearable transaction device may detect a connection with a user device, and receive, from the user device and via the connection, security information for operating the wearable transaction device. The security information may indicate one or more conditions for placing the wearable transaction device in a payment mode or a non-payment mode. The wearable transaction device may receive a request to perform the transaction, and determine, based on the security information, whether the wearable transaction device is in the payment mode or the non-payment mode. The wearable transaction device may selectively perform the transaction based on whether the wearable transaction device is in the payment mode or the non-payment mode.

Abstract: A method, apparatus, and computer readable storage to implement an issuance of a virtual credit card. The virtual credit card can be issued instantaneously and can thereafter be associated with a physical credit card. The virtual credit card and the physical credit card can be serviced by the same account at the same bank.

Abstract: A method of updating a payment card includes receiving a payment card having an existing payment part. The method includes removing the existing payment part from the payment card and installing a new payment part with the payment card for subsequent use of the payment card.

Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.

Abstract: Systems and methods for using a device wallet identifier are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for generating a device wallet identifier may include: (1) receiving a wallet identifier for an electronic wallet or payment application executed by an electronic device; (2) retrieving an issuer identifier for a customer associated with the electronic wallet or payment application; (3) generating a device wallet identifier; and (4) storing a mapping of the device wallet identifier to the issuer identifier for the customer.

Abstract: In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.

Abstract: A method can include generating a cryptogram by encrypting, by a hardware security module (HSM), a keyed-hash message authentication code (HMAC) key by a master key encryption key (MK); transmitting, a database server, the cryptogram; destroying the cryptogram at the HSM, in response to the transmitting the cryptogram to the database server; receiving, from the database server, the cryptogram and an ID generated by the database server; generating a wallet password based on the ID and the cryptogram; generating a data encryption key (DK) retrievable via the wallet password; transmitting, to the database server, the DK without the wallet password; destroying the wallet password in response to the transmitting the DK to the database server; decrypting the cryptogram into a decrypted HMAC key; regenerating the wallet password using the ID and the decrypted HMAC key; encrypting the regenerated wallet password; transmitting, to the database server, the encrypted regenerated wallet password.

Abstract: An apparatus and method for calculating foreign exchange advantages, the apparatus includes at least a processor and a memory containing instructions configuring the at least a processor to acquire action data from an entity, wherein an element of the action data includes at least a plurality of originators and at least a plurality of receivers, process the action data, wherein processing the action data includes classifying a plurality of action data elements to at least an originator of the plurality of originators and a receiver of the plurality of receivers and classifying the action data against a data store including at least a foreign exchange rate, generate a conversion record as a function of the processed action data, and output the conversion record to a third-party computing device.

Abstract: The invention proposes a network transactional system, comprising a set of token nodes (TN), a set of user nodes (UN) and a set of provider nodes (PN), the nodes being capable of executing an executable contract for a user node to obtain token account units (Voucher Tokens) by reserving (R) reserve account units according to a value of the token units which itself varies according to the reserve, the number of token units in circulation and the reserve ratio (RR). A provider node is associated with each token node and the token is representative of a product or asset (good, service, right or other benefit) of the provider, or a group of such products or assets.

Abstract: A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.

Abstract: A payment managing system and method for enhancing the security of electronic user payment data can include employing a two factor authentication and keeping e-commerce host system outside the PCI scope. The two-factor authentication can include using a session ID and a one-time token (OTT). The session ID can identify a payment session that is initiated upon initiation of an e-commerce transaction. The payment managing system can provide a computing device initiating the transaction an iFrame to handle input user input data on an information resource. The OTT can be used to tokenize the user input data. The OTT can be included in payment authorization requests sent to the payment managing system. The payment managing system can obtain payment authorization without the user payment data being shared with e-commerce host systems.

Abstract: Examples implementations relate to payment tokens. An example includes a customer computer creating a first data buffer, with a set of customer-specified parameters, signing the first data buffer with a customer private key, associating a customer public key to the signed first data buffer to create a first data record that is communicated to a service provider. The service provider computer creates a second data buffer with a set of service provider-specified parameters, signs the second data buffer with a first private key of the service provider, associates a first public key of the service provider to the signed second data buffer to create a second data record, combines the first and second data records, signs the combined data record with a second private key of the service provider, and associates a second public key of the service provider to the combined data record.

Abstract: Some systems and/or methods are configured to receive sensitive data from a vendor, determine a token key for the vendor, and utilize a proprietary algorithm, based on the token key to generate a vendor-specific token that is associated with the sensitive data. A token identifier may be created that comprises data related to the token key sending the vendor-specific token and the token identifier to the vendor.

Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a client device in support of a FIDO authentication are provided. In an embodiment, upon receipt of a challenge issued by a server in connection with a pending transaction, the contactless card may authorize the client device to utilize a FIDO private key to respond to the challenge. If the response to the challenge is successful, the FIDO authentication may proceed and the transaction may be completed.

Abstract: Systems, methods, and articles of manufacture for secured account provisioning and payments using user computing devices are provided. One such method comprises obtaining an account payload by the user computing device, wherein the account payload comprises a payment credential associated with a transaction account of a user of the user computing device; generating a storage encryption (ENC) key and a storage message authentication code (MAC) key based on at least a device fingerprint of the user computing device and a storage root key; encrypting, the account payload with the storage ENC key to form an encrypted account payload; generating a digital signature of the encrypted account payload using the storage MAC key; and storing the encrypted account payload and the digital signature in a secured database of the user computing device.

Abstract: Blockchain-based, smart contract platforms have great promise to remove trust and add transparency to distributed applications. However, this benefit often comes at the cost of greatly reduced privacy. Techniques for implementing a privacy-preserving smart contract is described. The system can keep accounts private while not losing functionality and with only a limited performance overhead. This is achieved by building a confidential and anonymous token on top of a cryptocurrency. Multiple complex applications can also be built using the smart contract system.

Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.

Abstract: Methods and systems are described. A method includes accessing a first identifier of a payment requester and a first identifier of an electronic communication from an electronic communication client that identifies a payment requester and an electronic communication, authenticating the payment requester as being registered to receive payments, if the payment requester is authenticated, automatically identifying a payment service that is registered as an approved payer, and authenticating the payment service as being approved to make payments to the payment requester. In response to a selection of a funds transfer triggering component in the electronic communication, causing a transfer of funds from the approved payment service to the payment requester.

Abstract: A blockchain value transfer method including receiving a plurality of transaction requests, performing a balance check procedure on each transaction, determining a net transaction for each user account address for each transaction in an aggregate transaction record, and executing the net transaction for each user account address, including withdrawing first in-network tokens from user account addresses with a net debit and exchanging first in-network tokens for first tethered tokens, recording a transaction to the first blockchain network of sending the first tethered token transfer record from the first blockchain network to a tethered token exchange, exchanging the first tethered tokens for second tethered tokens, exchanging the second tethered tokens for second in-network tokens, depositing the second in-network tokens to the receiving user account address, and depositing the remaining first in-network tokens from the debited first in-network tokens to user account addresses on the first blockchain network

Abstract: Systems and methods for public ledger authentication includes receiving a first previous authentication public ledger address and a first current authentication public ledger address from a user. A verified static user key is identified in a public ledger using the first previous authentication public ledger address. A second current authentication public ledger address is then provided to the user for use in the current authentication attempt. Authentication attempt information is determined that includes a number of authentication attempts by the user, and used in a hash operation with the verified static user key to generate a first user authentication key. A second user authentication key is retrieved from the public ledger that was sent from the first current authentication public ledger address to the second current authentication public ledger address in a transaction, and the user is authenticated if the second user authentication key matches the first user authentication key.

Abstract: A system that automates the clearing and settlement of electronic coupons (E-Coupons) by leveraging existing technologies and enabling E-Coupon redemption at any merchant having electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. The system reduces opportunities for fraud, reduces or eliminates the need for manual clearinghouse counting and sorting of coupons, and provides an electronic audit trail for coupon redemption, tying a specific purchase to a specific coupon. After registering and selecting coupons, consumers then use an E-Coupon card or account access device at a merchant's point-of-sale (POS) terminal. E-Coupon values are deducted from the consumer's final amount due. Both consumer package goods manufacturers (CPGs) and merchants may be charged a fee. Expired coupons are automatically removed from the account and their value refunded to the CPGs. Reports on redeemed coupons and consumer profiles can be generated and provided to CPGs or merchants.

Abstract: The present specification provides a blockchain-based offline resource transfer method and apparatus. A transferor terminal and a receiver terminal of offline resource transfer include multiple execution environments. Multiple computing nodes constructed based on the execution environments further constitute an offline blockchain network as blockchain nodes.

Abstract: A system may receive transaction information associated with a transaction, the transaction information comprising an account number associated with a first user. The system may determine whether the transaction is associated with a second user. Responsive to determining the transaction is associated with the second user, the system may transmit a first prompt to a first user device associated with the first user, the first prompt comprising a request to confirm or deny the transaction. The system may receive, via the first user device, a first user selection confirming the transaction. Responsive to receiving the first user selection, the system may determine whether the transaction exceeds a predetermined threshold. Responsive to determining the transaction exceeds the predetermined threshold, the system may transmit a second prompt to the first user device, the second prompt comprising a recommendation to designate the second user as an authorized user of the account number.

Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.

Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.

Abstract: Child/family support payments are made on a multilayered consortium ledger network using blockchain, IoT, and other technologies to expedite the process and disbursement of child/family support payments. The multilayered consortium ledger network may cater to local and/or global child support agencies and/or local and global Parties/Parents/family members who elect to send child/family support payments to their family(ies) outside the traditional child support agencies/district attorney offices. The plurality of technologies used support payments made/received using, but not limited to, domestic/foreign fiat, cryptocurrency, tokens, an/or native tokens.

Abstract: A system and method for minimal contact in-person business transactions using a code generator and a mobile device, which can use a banking card, mobile device, card reader and associated display, cashier display at a point-of-sale (“POS”) system, internet-connected server, and financial institution, which minimizes customer physical contact with payment personnel or physical systems by offloading the final stages of sale confirmation and customer choices onto a customer's mobile device.

Abstract: A method for proximal distance and usage pattern access management includes identifying a first trigger event based on a financial device profile indicating a first proximal distance threshold is exceeded for a first device relative to a second device, where the first device is capable of executing financial transactions. The method further includes querying one or more network devices in the vicinity of the first device to validate the first trigger event. The method further includes responsive to receiving a first validation of the first trigger event from at least one network device from the one or more network devices, applying a first temporal lock on the first device preventing future executions of financial transactions. The method further includes responsive to validating a user associated with the second device, updating the financial device profile based on at least on the first trigger event and a location for the trigger event.

Abstract: Systems and methods are disclosed for payment transactions, alerts, dispute settlement, and settlement payments, using multiple blockchains.

Abstract: Systems, methods, and other embodiments associated with a fraudulent activity shell. According to one embodiment, a system includes an application having a normal environment and a shell environment. The system also includes a trigger logic that determines whether an action satisfies a trigger condition. In response to determining that the action satisfies the trigger condition, the trigger logic triggers the application to enter a fraudulent activity mode from a default mode. In the fraudulent activity mode, the normal environment is configured to hold the action. The shell environment is configured to display the action as executed in the fraudulent activity mode.

Abstract: A method for payment risk control includes: receiving a request for payment graphic code generation from a mobile terminal device, the request carrying preset risk control features, the risk control features including a payment account feature of an account, a current location feature, and a station entering and exiting feature; obtaining pre-stored historical risk control features of the account according to the payment account feature in the request; detecting whether there is a transaction risk for the mobile terminal device by comparing the obtained historical risk control features with the risk control features carried in the request; and sending a risk control detection result to the mobile terminal device to generate and display a payment graphic code.

Abstract: A method for preventing an unauthorized transaction indicative of scalping includes: receiving transaction data for a first payment transaction including one or more product identifiers associated with one or more products purchased in the first payment transaction and consumer identification data; updating a consumer profile based on the one or more product identifiers, wherein the consumer profile is identified using the consumer identification data; receiving a transaction message for a second payment transaction including at least one product identifier included in the one or more product identifiers and at least one consumer data value that is also included in the consumer profile; determining a suspicion score for the consumer profile above a predetermined threshold value; and transmitting an authorization response message for the second payment transaction including a response code indicative of rejection of the second payment transaction.

Abstract: Examples, methods and systems described herein may include determining, by a payment processing system, whether a second payment mechanism may be used to perform a payment transaction when a first payment mechanism is preferred and/or when the first payment mechanism has failed. Determining to use the second payment mechanism can be based on (i) an analysis of a communication status indicator received from a point-of-sale (POS) terminal that indicates which payment mechanisms are capable of communicating with the POS terminal, (ii) data received from the POS terminal that is associated with a read of a payment object, and/or (iii) an allowance criterion.

Abstract: A method for automatically providing virtual support is provided. The method may include determining a level of experience associated with the end-user and members of a support personnel for a computer application. The method may further include, in response to detecting one or more first actions on the computer application, automatically generating and providing support instructions based on virtual support documentation to an end-user based on the one or more first actions and based on the level of experience associated with the end-user. The method may further include, in response to detecting one or more second actions on the computer application, automatically determining a match between a member of the support personnel and the end-user based on the level of experience associated with the end-user and the member of support personnel.

Abstract: A method for monitoring regenerative management practices in agricultural parcels includes: determining a regenerative carbon footprint value for a parcel that comprises a difference of a regenerative carbon footprint and a baseline carbon footprint, where the baseline carbon footprint is derived by calculating greenhouse gas emissions based on simulating crop growth under current management practices and the regenerative carbon footprint is derived by calculating greenhouse gas emissions based on simulating crop growth under one or more regenerative management practices; for key dates corresponding to implementation and maintenance of each of the one or more regenerative management practices, processing and evaluating remotely sensed images against corresponding crop curves to determine compliance/noncompliance indicators that correspond each of the key dates; and storing the compliance/noncompliance indicators within a parcel database, where the compliance/noncompliance indicators are employed at a final da

Abstract: Systems and methods disclosed herein provide fraud mitigation via dynamic transaction card wireless communication. A mobile device may cause a dynamic transaction card to periodically scan its environment to detect wireless enabled devices proximately located near the dynamic transaction card. Based on identifying the wireless enabled devices frequently located near the dynamic transaction card, a set of approved devices may be determined. During a transaction, a dynamic transaction card may scan its environment for other wireless enabled devices proximately located near the dynamic transaction card. If wireless enabled devices detected by the dynamic transaction card are all, or a subset, of the devices that are frequently located near the card, then the transaction may be authorized. However, if the wireless enabled devices detected by the dynamic transaction card are not all, or a subset, of the devices that are frequently located near the card, then the transaction may be unauthorized.

Abstract: A block storage service analyzes customer behaviors as external signals to the health of the block storage service. In one example, using rules set by a customer for a health monitoring service, the block storage service can gain insights into what the customer cares about. The customer rules can then be used to setup internal monitors within the block storage service. If the internal monitors are triggered, the block storage service can proactively correct problems before the customer alarm thresholds are reached. For example, customer volumes can be moved to increase performance characteristics. In some cases, if the customer has too much performance capability, the customer volume can be moved to a less costly alternative.

Abstract: Disclosed is a computer implemented method of creating a profile of a user based on user behavior. The method may include receiving a plurality of Universal Resource Locators (URLs) corresponding to a plurality of webpages visited by the user. Further, the method may include retrieving content from each of the plurality of webpages based on the plurality of URLs. Furthermore, the method may include analyzing content from each of the plurality of webpages. Additionally, analyzing content from a webpage may include analyzing content corresponding to each content type present on the webpage. Further, the method may include identifying a plurality of keywords corresponding to the webpage based on the analyzing. Furthermore, the plurality of keywords may be associated with a plurality of affinity values. The plurality of keywords and the plurality of affinity values may constitute the profile of the user.

Abstract: In a system and method for measuring global urbanicity, trapezoid shapes are built based on latitude/longitude boundaries using two different scales in two dimensions, thus yielding four different shapes/sizes of trapezoids. A multiplier is applied to adjust the count within a trapezoid to compensate for the fact that these trapezoids delineated by latitude/longitude lines will diminish in size as they approach the poles of the Earth. Census data is applied from a given country, and then summed up using an external data set pertaining to counts. Finally, the counts are rolled up into a set number of urbanicity “bands” or levels as desired for a particular application.