Abstract: A method for secured receipt and usage of payment credentials using a commercial-off-the-shelf (COTS) device includes: storing, in the COTS device, a secure application program and cryptographic keys; establishing, by the program, a secure communication channel with a back-end system inaccessible by any application program or component in the COTS device; exchanging attestation data between the program and the back-end system using the communication channel; receiving payment credentials from a payment card by a near field communication (NFC) interface in the COTS device; transmitting the payment credentials to the program by the NFC interface; enciphering, by the program, the payment credentials; and transmitting, by the program of the COTS device, the enciphered payment credentials to the back-end system using the secure communication channel.

Abstract: A method of online transaction, in which a visual financial IC card receives transaction transferring data from a client, obtains transaction data, receive an online PIN from a user, obtains online PIN ciphertext by encrypting, executes behavior analyzing to obtain a card behavior analyzing result, sets a first transaction result, organizes message according to the transaction data, the online PIN ciphertext, the card behavior analyzing result and the first transaction result, and sends the message to the client; receives an online response package sent by the client, executes completing process to obtain a completing process result, sets a second transaction result, displays a corresponding information, organizes a data package according to the second transaction result and the completing process result, and sends the data package to the client. In this invention, any transaction terminal is avoided to improve security and convenience of the online financial IC card transaction.

Abstract: A method for securely presenting transaction card data of a transaction card includes receiving, by a server, a pairing request to pair the transaction card with a user device. Based on the pairing request, the transaction card is paired with the user device by way of a pairing identifier. The server receives, from the user device, a data presentation request to present the transaction card data on the user device. In response to the data presentation request, the server validates the pairing between the user device and the transaction card based on the pairing identifier. The server communicates, to the user device, the transaction card data based on the validation of the pairing between the user device and the transaction card. The communicated transaction card data is presented on a user interface rendered on the user device.

Abstract: An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device an applet configured to generate a digital tag; receiving a request at the first device for information; configuring the digital tag to be associated with at least one of (i) an application or (ii) an input on a second device, such that receipt of the digital tag by a second device causes the application to launch on the second device; and emitting from the first device a digital tag.

Abstract: A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

Abstract: Methods and systems for augmenting smart card functionality using a companion mobile wallet are disclosed. The mobile wallet can establish communication with the companion smart card which can determine that the mobile wallet and the smart card are companions. The mobile wallet can send supplemental data to the companion smart card to augment the functionality of the smart card. The smart card can establish communication between with a POS device and send the supplemental data to the POS device. The mobile wallet, smart card and POS device can communicate with one another in an on-line mode or using batch processing.

Abstract: Methods and systems are presented for facilitating sharing of tokens among different funding accounts linked to a digital wallet application to improve the computer resource efficiency of the mobile device. When a first funding account is linked to the digital wallet application is received, a token management system may determine whether a set of tokens have already been issued and stored on the mobile device for another related funding account. The token management system may cause a token service provider server to abort generating additional tokens for the first funding account. Instead, the token management system may modify characteristics of one or more of the set of tokens existed on the mobile device, to enable the one or more existing tokens to be usable in electronic payment transactions in association with the first funding account or the second funding account.

Abstract: A system for transacting in an environment with intermittent connectivity via a network backbone to a blockchain. A merchant device transmits a set of credentials for an ad hoc network to a buyer device and establishes a private peer-to-peer ad hoc network connection with the buyer device. It then conducts a transaction with the buyer device via the private peer-to-peer ad hoc network. If no network connection is available to a transaction blockchain, the merchant device stores a record of the transaction until such network becomes available and later sends the record of the transaction to the transaction blockchain.

Abstract: A method for transmitting data, implemented within a secured execution environment of an electronic device, called a trusted component, which is coupled to a cash register. The method includes transmitting, by using a payment terminal, a piece of data intended for cash register. The method includes, prior to transmitting the data: receiving, from the cash register, a first request for setting up a first secured communications channel with the trusted component; setting up the first secured communications channel by using at least one piece of data contained in the first request; receiving, from the payment terminal, a second request for setting up a second secured communications channel with the trusted component; and setting up the second secured communications channel with the payment terminal by using at least one piece of data of the second request.

Abstract: A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.

Abstract: A market maker system associated with a diamond-backed cryptographic exchange stores for each of a plurality of diamonds, a rating of the diamond according to each of multiple properties. The system receives ratings of a target diamond for each of the multiple properties. From the stored diamond ratings, the system selects one or more diamonds with ratings within a threshold distance from a specified rating of the target diamond. A dynamic order listing the selected diamonds is generated.

Abstract: A system, apparatus, method, and machine readable medium are described for secure authentication. For example, one embodiment of a system comprises: an authenticator on a client device to securely store one or more private keys, at least one of the private keys usable to authenticate a block of a blockchain; and an attestation module of the authenticator or coupled to the authenticator, the attestation module to generate a signature using the block and the private key, the signature usable to attest to the authenticity of the block by a device having a public key corresponding to the private key.

Abstract: A transaction is conducted between a merchant site and a customer's electronic device using a payment processor. The merchant site is associated with a client-side application and a server-side application. The client-side application executes on the customer's electronic device. The client-side application electronically sends payment information retrieved from the customer's electronic device to the payment processor. The client-side application does not send the payment information to the server-side application. The payment processor creates a token from the payment information sent by the client-side application. The token functions as a proxy for the payment information. The payment processor electronically sends the token to the client-side application. The client-side application electronically sends the token to the server-side application for use by the server-side application in conducting the transaction.

Abstract: A payment system implemented on a mobile device authenticates transactions made via the mobile device. The mobile device generates a public-private key pair and receives an authenticating input from a user of the device. The public key is sent to a secure payment system, and the authenticating input is used to generate a symmetric key that encrypts the private key. After a transaction is initiated, the mobile device receives an authenticating input from the user. The symmetric key is generated from the authenticating input and the mobile device attempts to decrypt the private key from the encrypted private key using the symmetric key generated by the user's input. The decrypted key is used to sign a transaction authorization message which is sent to the secure payment system, along with payment information, which can verify the signed message via the public key. Additional techniques related to secure payments are also disclosed.

Abstract: A system and method for tracking the provenance of an item, service, and/or payment is provided. The system includes a transaction processing system for generating and recording a provenance transaction that includes information to track the provenance of an item, service, transformation, and/or payment; a blockchain interface for facilitating communication with a blockchain, the blockchain interface configured to store the provenance transaction on the blockchain and to retrieve the provenance transaction from the blockchain; and a search and provenance graph system for generating a directed graph to represent the provenance of an item, service, and/or payment using the provenance transaction stored on the blockchain.

Abstract: Methods and systems related to distributing payment keys to multiple discrete devices in a point of sale (POS) system are disclosed. One method includes storing a payment key on a first discrete device for a POS system and a public key certificate on a second discrete device for the POS system. The method also includes communicatively connecting the first discrete device with the second discrete device using a wire, transmitting the public key certificate from the second discrete device to the first discrete device using the wire, and verifying the public key certificate on the first discrete device. The method also includes finalizing a secure connection between the first discrete device and the second discrete device over the wire using a transport layer secure (TLS) protocol after the public key certificate is verified.

Abstract: Described are a system, method, and computer program product for updating and processing payment device transaction tokens. The method includes receiving a first notification based on issuance of a first new payment device, generating a first new token associated with the first new payment device, and linking the first new token to a previous token. The method also includes receiving a second notification based on issuance of a second new payment device, generating a second new token associated with the second new payment device, and linking the second new token to the first new token in a chain. The method further includes determining to deactivate the first new payment device and modifying the chain to remove the first new token. The method further includes receiving a transaction request and processing the transaction request by communicating second new token to an issuer.

Abstract: Systems and techniques for facilitating card authentication technique selection via machine learning are provided. In various embodiments, a processor can access an attribute vector associated with a financial payment card. In various instances, the processor can determine, via execution of a machine learning model, whether to authenticate the financial payment card with a zero-dollar authentication technique or instead with a tokenization authentication technique, based on the attribute vector. In various cases, the processor can execute the zero-dollar authentication technique with respect to the financial payment card, when the processor determines that the financial payment card should be authenticated with the zero-dollar authentication technique.

Abstract: A computer-implemented system and method for managing a data process in a virtual reality setting are provided.

Abstract: Embodiments include systems and techniques to perform secure transactions including processing registration information for each computing device of a plurality of computing devices having authority over a financial account. In one example, embodiments include receiving a pending transaction against the financial account from a computing device. Embodiments include executing an authentication protocol to determine the computing device is a member of the plurality of computing devices based upon the registration information, and processing data identifying another computing device within a configurable distance from the computing device. Embodiments further include the system to execute the authentication protocol to determine the other computing device is a member of the plurality of computing devices based upon the registration information and bypass a portion of a security procedure for authorizing execution of the pending transaction.

Abstract: A system and method for linking to accounts using credential-less authentication that includes: within a first application context at an account-linking computing service: receiving a request to establish an account link, establishing the account link to a user account of an account service using user credentials, and receiving user identifying information of the first application context and storing the user identifying information in association with the account link; and within a second application context at the account-linking computing service: receiving user identifying information of the second application context, searching and identifying a candidate account link using the user identifying information of the second application context, verifying eligibility for access to the account link, and permitting access to the account link upon successful verification of eligibility.

Abstract: Systems and methods are provided for use in identifying synthetic party identities. One exemplary method includes receiving, at a computing device, a request from a relying party to assess validity of an identity presented by an asserting party in a network communication between the asserting party and the relying party, where the request includes identity data associated with the identity of the asserting party. The method also includes calculating, by the computing device, an assessment metric representative of the validity of the identity of the asserting party, where the assessment metric is based on at least one score derived from the identity data, and transmitting, by the computing device, the assessment metric to the relying party, whereby the relying party utilizes the assessment metric to determine whether or not to further interact with the asserting party in connection with the network communication.

Abstract: Aspects of the disclosure relate to geocoding geocode datasets in KYC blockchain data blocks for spatial analytical risk modeling. In some embodiments, a computing platform may receive a client request to initiate a transaction with an enterprise organization. Using financial documentation and identification documentation associated with the client request, the computing platform may generate geocode coordinates and may identify a series of geographic risk factors. The computing platform may translate the geocode coordinates and the geographic risk factors into analytical overlays. The computing platform may stack the analytical overlays to generate an interactive spatial risk analysis model. The enterprise organization may use the interactive spatial analytical risk model to analyze the client request, and to determine whether to approve or deny the client request.

Abstract: A system receives a request for payment of a transaction between a vendor and a consumer, and sends a first request to a database associated with the online service for historical transactions and personal attributes of the vendor concurrently with sending a second request to a number of third-party services for credit information and personal attributes of the consumer. The system receives information responsive to the first and second requests from the database and the third-party services, respectively, and obtains a risk score for the transaction based on an application of one or more risk assessment rules to the received information by a machine learning model trained with at least the historical transactions and the personal attributes of the vendor. In some aspects, the system determines whether to advance funds to the vendor, prior to requesting payment from a consumer account, based at least in part on the risk score.

Abstract: Methods, systems, and computer program products for implementing a payment orchestrator simulation process. A simulation initiation request including a user selected rules configuration is received at a simulation server via a simulation user interface on a user device. Rule events information associated with the simulation initiation request is obtained from a rule events server. A rule evaluation request is sent to a rules engine. Rule evaluation information associated with the rule evaluation request is obtained from the rules engine. Simulation results based on the rule evaluation information are determined. The simulation results are sent to the user device via the simulation user interface.

Abstract: A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account.

Abstract: A system for stable and streamlined transaction approval includes a rule management server and an authorizer server that operates independently of the rule management server. The rule management server is configured to receive a transaction rule associated with an account specified by a client entered through a portal generated by a graphical user interface. The server is further configured to identify data relevant to the transaction rule and transmit the transaction rule and the data identified to an authorizer server. The authorizer server is configured to receive transaction data related to a pending transaction of the credit card and apply the transaction rule to the transaction data and the data identified by the rule management server to determine whether to approve the pending transaction. The authorizer server operates independent of the rule management server and can be optimized to approve transactions quickly and operate in a stable condition.

Abstract: The various embodiments described herein relate to systems, methods, and devices associated with distributed ledger systems (e.g., distributed ledger technology implemented on a decentralized network) that can be used to handle and manage the distribution and access of data in a manner that preserves the benefits of distributed ledger technology while enabling the private sharing of data. More specifically, the distributed ledger systems contemplated herein involve distributed ledger technology (DLT)-based data management platforms that can be implemented on nodes of a data management network.

Abstract: A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

Abstract: Methods, systems, and devices supporting physical proximity graphing are described. Some systems may store a limited set of location information for a set of humans (e.g., refraining from tracking device location information to maintain user privacy). A system may send a survey to each person indicating a suggested list of people based on the location information. The people may provide feedback confirming whether encounters occurred with each suggested human. The system may use this information to generate a graph using hashed identifiers to obfuscate user identities, where the graph tracks connections between people (e.g., based on encounters within a time period). Based on a trigger event, the system may analyze the graph and identify a set of hashed identifiers connected to a person of interest (e.g., traversing multiple levels of the graph). The system may transmit messages to people corresponding to the identified set of hashed identifiers.

Abstract: Computing technologies for benchmarking, which may be based on a k-Nearest Neighbor (kNN) algorithm or another suitable machine learning algorithm, solve a cold start problem for a recommender engine employing a collaborative filtering algorithm when training data of user preferences or actual data of user actions is not available. For example, the cold start problem's unavailability of labeled data to train and develop a supervised model may be addressed by breaking the cold start problem down into two parts. The first part includes a KNN (or another suitable algorithm) model to cluster profiles based on a set of variables and this implementation of the KNN model is unsupervised, since there is no labeled data available to train the KNN model. The second part includes a prioritization algorithm that leverages certain outputs from the KNN model and neighbors to prioritize benchmarks.

Abstract: People provide content such as a recorded text or audio on various platforms, such as recorded telephone lines, social media, or web chats. The techniques described in this patent document can be used to obtain a set of topics that characterize the words in the recorded text or audio for each platform. By identifying topics being discussed on several platforms and by correlating topics between the platforms, a multi-channel topic orchestration server can generate a timeline that shows when the topic appeared on the various platforms.

Abstract: Described herein are systems and methods of facilitating remote notarization of electronic instruments and storing records memorializing these notarization events. A notarization system provider may capture video feeds from different angles, and combine the feeds into a single archive multimedia file, which may be stored as a secured record of a notarization. The notarization system may be utilized as an alternative to a conventional notarization settings involving a notary, in-person. The notarization system provider may supply a signing party with an electronic instrument, which could be any instrument requiring notarization to be effective. Parties signing the document may go to a system provider's location or representatives could bring the requisite devices to the signing parties. Cameras generate video feeds of the notary, the notary, and any witnesses, and then forward the feeds to other devices in the system, allowing each party to observe the signing party sign the instrument.

Abstract: A voting system comprises at least one voting machine comprising: at least one voting machine processor performing voting machine operations comprising initializing a vote blockchain with a vote blockchain genesis block, the vote blockchain genesis block comprising a voting machine identifier and a genesis block hash value; creating a data structure comprising a plurality of votes and a hash value of a preceding block; determining a new block hash value of the data structure; appending a new block comprising the data structure and the new block hash value to the vote blockchain; and storing the vote blockchain in the at least one voting machine memory.

Abstract: The essence of the invention consists in recognition technique using means for telecommunication that are equipped with a unique program for recognizing identification codes located inside lengthy products. An identification code contains information about the manufacturer, as well as information about physical characteristics of the product as described in the certificate of quality.

Abstract: Systems and methods for remotely verifying an identity of a minor to open an account at a financial institution for the minor are provided. A method includes, responsive to verification of an identity of an adult associated with the minor, receiving, by a provider institution computing system of a provider institution, information relating to the minor from a minor computing device associated with the minor, and scraping, by the provider institution computing system, data from one or more social media profiles associated with the adult. The method includes comparing, by the provider institution computing system, the scraped data to information from the adult regarding the minor, and in response to a match, remotely verifying, by the provider institution computing system, the identity of the minor based on the information relating to the minor, such that the account for the minor is authorized to be opened at the provider institution.

Abstract: Segment valuation techniques usable in a digital medium environment are described. To do so, a segment valuation system first identifies the attributes that are significant in achievement of a desired metric (e.g., conversion) and then values segments based on those significant attributes. Attributes are selected from the trained model based on significance of those attributes towards achieving the desired metric. A valuation of a segment may then be calculated based on the valuations of these attributes. For example, inclusion of the selected attributes within a segment, and the valuations of those selected attributes, is then used by the segment valuation system to generate data describing a value of the segment towards achieving the metric.

Abstract: A mobile application for execution upon an electronic device, system, or method for an amusement park or waterpark for tracking guests and collecting feedback. The application provides information, entertainment or other data to the user within the park. The application may determine a position within the park and display notifications (discounts, menus, etc.) at nearby vendors or provide recommendations based upon wait times. The application may allow for reservations at vendors. The application may determine ride sequence(s) based upon various characteristics and navigate according to such sequence(s). Puzzles, games, or other entertainment or educational activities may be displayed to the user for providing rewards based upon their participation. Guests may be tracked using a variety of technologies and information determined (dispatch rates, queues, etc.) by such tracking. Feedback (customer satisfaction) may be collected at guest interfaces.

Abstract: The invention concerns a continuous monitoring method and system for forest stock and its execution method, including: 1, sample plots sampling design; 2, intelligent sample plots layout; 3, automatic sample plot data collection; 4, dynamic update of stock: detecting plot type change subclasses through remote sensing, and updating graphic and attribute forest resource change maps information; building a dynamic forest stand update model through intelligent sample plot data for plot type unchanged subclasses, and then updating attribute information of forest subclasses; 5, precision test and correction; 6, monitoring output: outputting current period stock monitoring data; 7, determining whether a monitoring period arrives.

Abstract: A disclosed example includes accessing computer-generated impression records, the computer-generated impression records based on network communications received at a server of a database proprietor from client devices, the computer-generated impression records indicative of accesses to media at the client devices; accessing self-reported demographic data and behavioral data from a database of the database proprietor, the self-reported demographic data and the behavioral data corresponding to user accounts registered with the database proprietor and associated with the client devices; comparing the self-reported demographic data with a probability distribution of higher-accuracy demographic data; determining different adjustments for corresponding ones of self-reported demographics of the self-reported demographic data based on the comparison; adjusting the corresponding ones of the self-reported demographics based on corresponding ones of the different adjustments to generate adjusted user demographic data; a

Abstract: A method for using idle computing power of an electric vehicle includes sending the computing tasks and the task rates for performing the computing tasks to a vehicle controller of the electric vehicle and receiving an acceptance signal from the vehicle controller. The acceptance signal is indicative that the vehicle controller accepted to perform the computing tasks. The method further includes commanding a charging infrastructure to supply electrical power the electric vehicle while the vehicle controller performs the computing tasks.

Abstract: Participation by multiple users in an online game through client computing platforms associated with the users is facilitated. User accounts associated with the users indicate affiliations having a functional significance between users. Presentation of offers to sell virtual items are provided to users having a first affiliation and to users having a second affiliation. The virtual items associated with the offers are distributed to the users having a first affiliation upon an indication that a threshold number of users having the first affiliation have accepted the offer and are not distributed to users having a second affiliation upon an indication that a threshold number of users having the second affiliation have not accepted the offer.

Abstract: The present invention generally relates to a system, method, and computer program for providing coupons and cash back in electronic commerce. Specifically, electronic coupon code(s) are tested against various retailer websites to ascertain the best combination and automatically applied into a user's cart during electronic checkout. Various embodiments of the present invention also provide the user-less tracking of an affiliate purchase in order to apportion user cash back without first requiring the creation of a user account.

Abstract: The invention is a system 3-00 and method for presenting off-platform incentive information 14C during shopping sessions conducted on a merchant platform by a consumer. The system 3-00 comprises: (a) a merchant server 31 in data communication with a network 15 during each shopping session; (b) one or more computing devices, each computing device including a display window, a user interface, and a page viewer; (c) one or more payment servers 30A; (d) one or more affiliate servers 30B; and (e) an extension module integrated with the page viewer. The extension module captures merchant platform product pricing and merchant coupon incentives details during the shopping session. The extension also stores or accesses the off-platform incentive information 14C of payment service programs and affiliate programs. The price impact from all the available incentives are presented on at least one modified checkout page 14 for consumer viewing and approval of the transaction.

Abstract: A tool for generating and publishing vehicle offers by matching up manufacturer incentive data and vehicle data received from a third party data source with inventory data received from a dealership data source is disclosed. The disclosed tool allows a user to match incentive and vehicle data to specific vehicles currently in a dealership's inventory and to generate custom offers for those specific vehicles that uniquely identify the specific vehicles from dealership's inventory.

Abstract: A system for using loyalty rewards accounts in a digital wallet may generate a mapping comprising an account mapped to a wallet token number and an indicator with the mapping stored in a database on a network of servers. The indicator may indicate an account type, and the wallet token number may be transmitted to a user device. The system may also receive a transaction request including a received wallet token number and a received indicator The indicator may be matched to the received indicator to determine the received wallet token number is associated with the account type (e.g., a loyalty rewards account). The system may route the transaction request to a loyalty settlement process in response to the account type being a loyalty rewards account.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to monitor an active webpage associated with a web browser executing on a computing device; determine that the active webpage associated with the web browser meets predetermined criteria, the predetermined criteria including determining that the active webpage is found in a whitelist; and in response to determining that the active webpage meets the predetermined criteria, send, via the communications module and to the computing device, a signal causing the computing device to display an indicator indicating an option to apply loyalty points to offset a purchase price.

Abstract: A computer system and method for offering coupons to a user is provided herein. The computer system includes a coupon offering server. The coupon offering server includes a shopping container image processor configured to detect a pre-purchase item in shopping container image data. The shopping container image processor includes an object detector module and a barcode detector module. The object detector module is configured to generate first detected item data, wherein the first detected item data includes an item detected in the shopping container image data using an object detection technique. The barcode detector module is configured to generate second detected item data, wherein the second detected item data includes an item detected in the shopping container image using a barcode detection technique. The computer system also includes a coupon matcher engine.

Abstract: One or more computing devices, systems, and/or methods for selecting content items for transmission to client devices are provided. A first content item may be transmitted to a first set of client devices. A first request for content associated with a first client device of a second set of client devices may be received. A first bid value associated with a second content item may be selected. The first bid value may be modified based upon a second bid value associated with the first content item to generate a third bid value associated with the second content item. The second content item may be selected from a first plurality of content items for presentation via the first client device based upon a plurality of bid values having the third bid value. The second content item may be transmitted to the first client device.

Abstract: A change in a weighting coefficient for an explanatory variable in an objective function used to optimize a target is received, and the target is optimized based on the objective function to which the changed weighting coefficient has been applied.