Abstract: This application relates to systems and methods for automatically generating fraud strategies. A system may comprise customer computing devices, a database, and retailer computing device(s). The retailer computing device(s) are configured to receive data related to customer transactions, calculate a negative reaction score, negative resolution score, anomaly score, and impact score for at least one value of the received data, determine whether the calculated scores are greater than or equal to respective thresholds, identify a value of the received data as a potentially fraudulent data value when one or more of the calculated scores is greater than or equal to its respective threshold, generate an output comprising a list of potentially fraudulent data value(s) and impact scores, identify area(s) of high impact leaks based on the output, and determine which customer computing devices are executing fraudulent transactions based on the identification of areas of high impact leaks.

Abstract: A system comprises a combination of digital fingerprint authentication techniques, processes, programs, and hardware to facilitate highly reliable authentication of a wide variety of composite physical objects. “Composite” in this case means that there are distinct regions of the object that must be authenticating individually and in tandem to authenticate the entire object. Preferably, a template is stored that defines for a class of objects what regions must be found, their locations, optionally semantic content of the regions, and other criteria. digital fingerprinting is utilized to locate and attempt to match candidate regions by querying a database of reference object records.

Abstract: A user initiates a transaction by providing identification data at an access device. Certain elements of a validation identity token, such validation keys, may be distributed among several remote server computers. After the elements are retrieved during the transaction, the validation identity token may be generated using the retrieved elements. The validation identity token may indicate whether the user is authenticated. No single entity can possess all elements utilized to generate the validation identity token, which mitigates risk of the validation identity token being compromised. In some embodiments, the validation identity token may be a chromatic identity token, which may indicate validity by color.

Abstract: In some implementations, a terminal device may obtain exchange information associated with an exchange initiated at the terminal device. The exchange information may identify a medium used in the exchange. The terminal device may be configured to present a terminal-side user interface for performing a signing operation of the exchange. The terminal device may selectively obtain user information associated with the medium used in the exchange. The user information may identify a user device associated with the medium. The terminal device may transmit, to the user device and based on obtaining the user information, presentation information that identifies content for a user-side user interface for performing the signing operation at the user device. The terminal device may receive, from the user device, signing information associated with a performance of the signing operation at the user device via the user-side user interface.

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: Facial recognition is used to allow access to platform-agnostic account information. A processing and verification device receives a request for a transaction requiring access to account information of a user. Responsive to the request, a new image of the user is generated, such as using an image sensor of a camera. The new image is used to query a database to determine whether an existing image stored in the database matches or substantially matches the new image. Responsive to a positive result of the query, the request is allowed by the processing and verification device granting the access to the account information. The access to the account information is then used to complete the transaction. The account information uses a global architecture such that it can be used with different hardware and software configurations of a connected system.

Abstract: An authentication and payment system for paying a supplier via a network may include a non-transitory computer readable storage medium having program logic stored thereon having a code for an authentication and payment application executable by a processor of a computing device. The code may be programmed to perform a step of receiving a first set of specific data elements from a payer regarding an authorized purchase by the payer from the supplier. The code may be further programed to receive a second set of specific data elements from the supplier. If the first set of specific data elements matches at least a portion of second set of specific data elements, the code may be programed to generate and send a single-use number to the supplier. The single-use number may be usable as a credit card number for only one purchase.

Abstract: In some implementations, a system may receive, from a user device, a user-side request associated with establishing an application session, wherein the user-side request includes an optical code. The system may receive, from an agent device, an agent-side request associated with the agent device joining the application session, wherein the agent-side request includes authentication information that indicates that the agent device scanned the optical code from an output component of the user device. The system may send, to the user device, a notification to permit the user device to join the application session. The system may activate the application session to permit the user device and the agent device to communicate via the application session.

Abstract: The present disclosure is directed to a system and method for quickly and efficiently resolving customer service issues associated with online shopping. When a customer requiring assistance contacts a customer service agent, the agent may use the customer's identification information to search for the customer's account. After locating the customer's active shopping cart or the customer account, the agent may open a session to view and edit the customer's shopping cart information, order information or account information. The agent may use the one or more administrative options available to the agent and unavailable to the customer to make changes to the customer account as needed. After making changes to the customer account, the agent may direct the customer to refresh their customer account in order to get updated with the changes made by the agent, thus resolving the customer's issues quickly and efficiently.

Abstract: In a method of providing funds to a monetary repository, information is received identifying a payee and request by the payee to convert a negotiable instrument made to the payee to funds. In response to the information, confirmation is received whether to convert the negotiable instrument to funds. An image of the endorsed negotiable instrument is received. If a determination is made to convert the negotiable instrument to funds, an amount of funds corresponding to a value of the negotiable instrument is directed to a repository.

Abstract: Disclosed are systems and methods for mapping a virtual shopper to a physical shopper. The systems and methods may include receiving, at a backend system, unidentified customer data including information about an unidentified customer. Customer identity data including identifying information about the customer may be received from the customer. An authentication token may be generated that links the unidentified customer data to the customer identity data.

Abstract: Method and systems of collaborative content creation performed in a network. Selection data is received from a first computing device at a computing resource. The computing resource selects, based on the selection data, at least one data record of a plurality of data records stored in a database. The selected at least one data record has a first data size. The computing resource creates user interface information of the at least one data record and is configured to allow a second computing device of the plurality of computing devices to display a representation of the selected at least one data record in a user interface of the second computing device. The user interface information has a second data size that is smaller than the first size. The computing resource transmits the user interface information to the second computing device.

Abstract: An information processing apparatus includes: a reading unit that reads a medium of the user and acquires information including biometrics information on the user from the medium; a display unit provided at a higher position than the reading unit; and a biometrics information acquisition unit that is provided between the reading unit and the display unit and acquires biometrics information on the user from the user.

Abstract: In some implementations, a system may receive, from a user device, a user-side request associated with establishing an application session, wherein the user-side request includes an optical code. The system may receive, from an agent device, an agent-side request associated with the agent device joining the application session, wherein the agent-side request includes authentication information that indicates that the agent device scanned the optical code from an output component of the user device. The system may send, to the user device, a notification to permit the user device to join the application session. The system may activate the application session to permit the user device and the agent device to communicate via the application session.

Abstract: Systems and methods for multivariate Artificial Intelligence (AI) smart cards are provided. An AI smart card may include, for example, pre-stored policy data that may be utilized as a portion of multivariate input by a suite of AI modules to formulate and analyze a claim of loss.

Abstract: Embodiments disclosed herein generally relate to a system and method of verifying an identity of user. A computing system receives a HTTP request. The HTTP request includes at least a user name and an IP address associated with a router accessed by the remote client device. The computing system parses the HTTP request to extract the user name and the IP address contained therein. The computing system identifies a user account associated with the extracted user name. The computing system identifies an internet service provider associated with the IP address. The computing system transmits a verification message to the third party service provider. The computing system receives a confirmation message from the third party service provider. The computing system increases a level of confidence in an identification verification process based on the confirmation.

Abstract: An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

Abstract: Alternative service access with operations including determining that a system has met a plurality of criteria, including the system having a battery level below a threshold, identifying a merchant, generating an authentication token for authorizing a payment using a payment provider, and sending the authentication token to the payment provider.

Abstract: Method, system and non-transitory computer-readable medium configured to store instructions for implementing a method for providing automated collateral eligibility services implemented by one or more collateral management service (CMS) devices between a client and at least one other party. The method includes receiving a collateral eligibility schedule setup request from a client device. The collateral eligibility schedule setup request includes one or more attributes and one or more rules. The method further includes initiating a current collateral eligibility schedule based on the received collateral eligibility schedule setup request; transmitting a notification to the at least one other party to review the current collateral eligibility schedule; receiving approval of the current collateral eligibility schedule from the at least one other party; and activating the approved current collateral eligibility schedule.

Abstract: Methods and systems for dynamically generating a verification value for a transaction and for utilizing such value to verify the authenticity of the payment service application. The dynamically created verification value may be generated on a payment device, such as an integrated circuit credit card or smart card, embedded into the payment data, and transmitted to a point of sale terminal. Alternatively, payment data is sent by a payment device to a point of sale terminal, which generates a verification value and embeds it into the payment data. The embedded verification value is used by a service provider to verify the authenticity of the transaction. The methods and systems may be used in a contactless (wireless) environment or a non-wireless environment.

Abstract: A system described herein may provide for multiple levels of authentication, such that a User Equipment (“UE”) may receive secure content from an application server, which may include or may be implemented by a multi-access edge computing (“MEC”) system. As described herein, a user associated with a UE may register the UE and/or a particular application with an authentication system and/or the application server. The registration of the UE and/or the application may establish a “trust” relationship between the authentication system and the UE, such that a user-level authentication performed by the UE, such as biometric authentication, may be accepted by the authentication system and/or the application system as an authentication of the user.

Abstract: Facilitating transaction status indications for point-of-sale (POS) systems is described. A POS application stored on a POS terminal of a POS system may communicate with a payment reader device coupled to the POS terminal and a payment server application. The POS application may receive, from a customer device associated with a customer and via a short-range communication network, payment information for satisfying a cost of a transaction. The POS application may send the payment information to the payment server application to attempt to authorize the payment information for the cost of the transaction and may receive, from the payment server application, an indication of a status of the transaction. Responsive to receiving the indication of the status of the transaction, the payment reader device and the customer device may output respective aspects of a transaction status indication associated with the status of the transaction.

Abstract: The present invention relates to a system and method for individuals of social network service to transmit or receive digital gift items via mobile applications connected to merchant point of sale systems. The social networking service stores data pertaining to a plurality of merchant and customers subscribing to services of a social networking service. The social networking service may receive a request from a first user to send a digital gift, which represents a good or service offered by a merchant, to a second user. The social networking service transmits a representation of the digital gift and an interactive element to a second user for enabling the second user to accept the digital gift. Upon receiving an indication that the second user has accepted the digital gift, the social networking service is configured to instantly generate a communication channel for the second user to contact the first user, and also facilitate processing of a payment associated for the digital gift.

Abstract: A device implementing an inter-device credential transfer system may include at least one processor that is configured to receive a request to transfer a transaction credential from a first device to a second device, the transaction credential being associated with a stored monetary value and the request comprising a transaction credential identifier of the transaction credential. The at least one processor is further configured to prevent, responsive to the request, the transaction credential from being utilized for payment transactions by the first device. The at least one processor is further configured to provision an instance of the transaction credential on the second device. The at least one processor is further configured to cause the instance of the transaction credential to be activated on the second device with a balance corresponding to the stored monetary value associated with the transaction credential.

Abstract: A digital content security and communication system is disclosed. The digital content security and communication system may include one or more data stores to manage data within a network, and one or more servers to facilitate operations using information from the one or more data stores. The digital content security and communication system may include an analytics subsystem, the analytics subsystem system comprising a data access interface to receive data associated with a user interacting with an online application, and receive data from a data source.

Abstract: Facial recognition is used to allow access to platform-agnostic account information. A processing and verification device receives a request for a transaction requiring access to account information of a user. Responsive to the request, a new image of the user is generated, such as using an image sensor of a camera. The new image is used to query a database to determine whether an existing image stored in the database matches or substantially matches the new image. Responsive to a positive result of the query, the request is allowed by the processing and verification device granting the access to the account information. The access to the account information is then used to complete the transaction. The account information uses a global architecture such that it can be used with different hardware and software configurations of a connected system.

Abstract: A system comprises a combination of digital fingerprint authentication techniques, processes, programs, and hardware to facilitate highly reliable authentication of a wide variety of composite physical objects. “Composite” in this case means that there are distinct regions of the object that must be authenticating individually and in tandem to authenticate the entire object. Preferably, a template is stored that defines for a class of objects what regions must be found, their locations, optionally semantic content of the regions, and other criteria. digital fingerprinting is utilized to locate and attempt to match candidate regions by querying a database of reference object records.

Abstract: Association information received from a number of mobile devices is recorded at a server end, where each mobile device is associated with a user that is pre-registered with the server end. An identification request is received at the server end and from a cashier device, where the identification request includes identity information associated with a particular user. One or more payment candidates corresponding to the cashier device are determined by the server end. A particular user account corresponding to the particular user is determined by the server end by comparing the identity information from the identification request with identity information associated with each of the payment candidates. The particular user account is returned by the server end to the cashier device for making a payment.

Abstract: A method for conveyance of payment credentials through a third party data source includes: storing, in a memory of a computing device, at least a first public key and payment credentials associated with a transaction account; generating, by a generation module of the computing device, a machine-readable code encoded with at least the first public key; displaying, by a display device interfaced with the computing device, the generated machine-readable code; generating, by the generation module of the computing device, a key pair comprised of at least a private key and a second public key; encrypting, by an encryption module of the computing device, the payment credentials using the private key; and electronically transmitting, by a transmitting device of the computing device, the encrypted payment credentials to a publicly accessible data source.

Abstract: A system and method provide efficient, secure, and highly reliable authentication for transaction processing and/or access control applications. A personal digital key (PDK) is programmed using a trusted programming device to initialize and/or register the PDK for use. In one embodiment, the initialization and registration processes are administered by a specialized trusted Notary to ensure the processes follow defined security procedures. In a biometric initialization, the programming device acquires a biometric input from a user and writes the biometric data to a tamperproof memory in the PDK. In registration, the Programmer communicates to one or more remote registries to create or update entries associated with the user PDK. Once initialized and registered, the PDK can be used for various levels of secure authentication processes.

Abstract: The invention relates generally to the processing of electronic payments that involve an payment instrument. A payment instrument reading device is paired with a payment initiating device to allow transaction information generated by the payment initiating device to be automatically transmitted to its associated payment instrument reading device. This means that rekeying of transaction information is not required. In some embodiments one or more beacons are provided in a premises, to allow the location of a mobile payment initiating device to be determined. This location is used to either direct the payment initiating device to a payment instrument reading device, or vice versa. Transaction data generated by the payment initiating device is automatically transmitted to the payment instrument reading device. A pairing module is also provided, which is configured to pair a payment instrument reading device with a payment initiating device.

Abstract: The systems, methods and apparatuses described herein provide a virtual integrated circuit card (ICC). In one aspect, a method of creating a virtual ICC may be provided. The method may comprise obtaining executable code configured to run on a user device to facilitate financial transactions, preparing a first encryption key usable by the executable code, receiving a second encryption key associated with the user device, forming a virtual ICC comprising the executable code and the first encryption key, and encrypting the virtual ICC with the second encryption key. In another aspect, a virtual ICC may be embodied on a non-transitory computer-readable medium. The virtual ICC may comprise executable code configured to run on a user device to facilitate financial transactions and a first encryption key usable by the executable code. The virtual ICC may be encrypted using a second encryption key associated with the user device.

Abstract: This disclosure describes techniques and arrangements for splitting one or more items from a ticket to another ticket. Some techniques and arrangements facilitate the splitting of one or more items from an open ticket to one or more split tickets. In some implementations, a foster ticket is utilized to account for items associated with split tickets. Other techniques and arrangements include providing split ticket suggestions. In some implementations, split ticket suggestions are provided based on historical ticket information and/or customer information.

Abstract: Embodiments of the present invention provide a computer system, a computer program product, and a method that comprises identifying at least a first physical sensor and a second physical sensor within a computing device, wherein each physical sensor is associated with a respective count; performing a predetermined operation within the computing device; authenticating the received command of at least the first physical sensor and the second physical sensor identified within the computing device; and automatically halting the operation of the computing device.

Abstract: A system for managing and transferring a virtual shopping cart. The system includes a product identification system that is programmed to identify products from a product identification tag, a cart identification system that is configured to generate a cart identifier that uniquely identifies the virtual shopping cart, and a cart management engine. The cart management engine is configured to receive products to add to the virtual shopping cart from the product identification system, associate the products with the cart identifier, and transfer access to the virtual shopping cart from a first device to a second device.

Abstract: A server for processing a card-not-present transaction is described. The server comprises at least a computer processor and a data storage device, the data storage device comprising instructions operative by the processor to: (i) receive a transaction authorization request, where the transaction authorization request comprises an indication of a payment card number and a delivery address used in the card-not-present transaction; (ii) retrieve, from a database, a registered address associated with the indication of the payment card number, the database being operatively connected to the server; (iii) compare the delivery address with the registered address; and (iv) generate a transaction authorization response based on a result of the comparison, where the transaction authorization response comprises an indication that the card-not-present transaction is to proceed if the delivery address matches the registered address.

Abstract: Various embodiments herein each include at least one of systems, methods, and software for in situ and network-based transaction classification. Such embodiments use advanced data analytics and machine learning techniques of consumer's transaction attributes to reduce shrink at checkout. One embodiment, in the form of a method, includes processing a dataset of transactions to identify normal transaction patterns and processing a dataset of transactions that included known fraud to identify variation patterns between the identified normal transaction patterns and the data of each transaction. The method further includes generating at least one pattern model based on the identified normal transaction patterns and the identified variation patterns. In such embodiments, each pattern model typically includes classification values for determining a likelihood of fraud in transactions.

Abstract: An automated system/method for identifying and enabling viewer selection/purchase of products or services associated with digital content presented on a display device. Products within the digital content are identified and existing product placement data is ascertained. For products that do not include such data, other methodologies, with the assistance of third-party servers, are employed to assess identity and purchase availability. Viewer input designate products to assess or products can be automatically assessed. Viewers initiate purchase of identified products via the display device or other electronic devices controlled by viewers, such as via viewers' smart phones. Various processes for identifying products include use of AI processing, access to data on third-party servers, crowd sourcing and other methodologies. Various techniques for selecting products for purchases are employed including employing 3D codes (e.g.

Abstract: Detecting and protecting against computing breaches based on lateral movement of a computer file within an enterprise. A method may include obtaining data associated with an existence a computer file in a first computing device and a second computing device of an enterprise, detecting a pattern of lateral movement of the computer from the first computing device to the second computing device over a predetermined period of time, based on the data, calculating a likelihood score that the computer file is malicious based on the detected pattern, determining that the likelihood score satisfies a predetermined breach threshold, and in response to determining that the likelihood score satisfies the predetermined breach threshold, initiating remedial action on the computer file to protect the enterprise against the computer file.

Abstract: Systems and methods are disclosed for attributing payment vehicle purchase events to previous activity of a purchaser. One method comprises: receiving purchase information associated with a purchase event by a purchaser; comparing the received purchase information to a profile data store to identify a purchaser profile associated with the purchaser, the profile data store comprising a plurality of purchaser profiles, wherein each purchaser profile comprises payment vehicle data and a tracking element; determining the tracking element of the identified purchaser profile; identifying one or more activities of the purchaser using the tracking element of the identified purchaser profile; for each of the identified one or more activities, assessing the strength of attributing the purchase event to the activity, using environmental and/or behavioral data associated with the tracking element; and determining whether to attribute the purchase event to one or more of the identified activities based on the assessment.

Abstract: A contemplated method includes: utilizing at least one processor to execute computer code that performs the steps of: receiving, from an application installed on the information handling device, a request to access a service provided by a service provider; providing, to the application, access to the requested service; and receiving, from the application, payment for provided access to the requested service, wherein information is received from the information handling device as a credit for at least a portion of the payment; the information being received via: sending, to the application, a context information request, wherein the context information request comprises a request for context information associated with the information handling device; sending, to the application, a request for information, wherein the request comprises at least one suggestion for information to be provided by the information handling device and wherein the at least one suggestion for information is based on received context in

Abstract: A payment device includes a biometric sensor configured to receive a biometric measurement from a user. The payment device also includes a display configured to selectively display sensitive payment account information for a payment account of the user. The payment account is associated with the payment device. The payment device further includes a processor and instructions stored in non-transitory machine-readable media. The instructions are configured to cause the payment device to receive the biometric measurement from the biometric sensor. The user is authenticated if the biometric measurement matches a stored biometric of the user. Upon authenticating the user, the sensitive payment account information is displayed on the display. The sensitive payment account information is removed from the display a first predetermined time period after authenticating the user.

Abstract: This disclosure provides methods, systems, services, and applications for collecting data from mobile devices connected to a mobile network. Aspects include campaign-based methods and systems as well as event-based methods and systems. Data includes mobile network data such as signal strength, call quality, network type, etc. and mobile device data such as mobile device type, charge level of the battery, etc. The disclosure also provides analytics for mobile network operators including mapping of location information and data points. Also described herein are methods and systems for verifying a credit card user's mobile device location.

Abstract: A POS device receives a first authorization value from an input device, and receives from a mobile device, via a LAN interface, a user identifier and a data structure that includes an adjustment value and a structure identifier. The POS device transmits the data structure and the user identifier to a validation server, via a WAN interface. The POS device receives from the validation server, via the WAN interface, confirmation that the validation server had previously saved the structure identifier of the data structure in a database in association with the user identifier. The POS device recovers the adjustment value from the data structure, generates a second authorization value from a difference between the first authorization value and the adjustment value, and transmits an authorization request message over a payment network via the WAN interface. The authorization request message includes the second authorization value.

Abstract: Association information received from a number of mobile devices is recorded at a server end, where each mobile device is associated with a user that is pre-registered with the server end. An identification request is received at the server end and from a cashier device, where the identification request includes identity information associated with a particular user. One or more payment candidates corresponding to the cashier device are determined by the server end. A particular user account corresponding to the particular user is determined by the server end by comparing the identity information from the identification request with identity information associated with each of the payment candidates. The particular user account is returned by the server end to the cashier device for making a payment.

Abstract: A store system includes an authentication device configured to obtain personal information from a part of a body of a user, transmit the personal information to a first server, and receive authentication of the personal information from the first server; a gate control apparatus configured to open a gate so that the user may enter or exit a store, when the authentication device receives the authentication; and a checkout device configured to obtain personal information from a part of a body of the user, transmit the personal information to a second server, and pay a product price when receiving authentication of the personal information from the second server.

Abstract: A method is provided for identifying and displaying video data of a user, either alone or together (in synchronization) with other data, such as biometric data acquired during a time that the video data was captured/received. The method includes storing biometric data separately from the video data, allowing the biometric data to be search quickly to identify at least one value (e.g., a value corresponding to at least one biometric event). At least one biometric time-stamp (e.g., a time, a sample rate, a position within a plurality of values, etc.) linked to the identified value can then be used to identify a corresponding video time-frame, which can then be used to play the video data, either alone or together with biometric data, starting at a particular time (e.g., at a time that the event occurred, shortly before the event occurred, etc.).

Abstract: Systems and methods for synchronizing a barcode decode with a video camera to improve accuracy of retail POS loss prevention are disclosed herein. An example system includes a video camera configured to capture a set of frames associated with a target object, the set of frames having a first number of frames; a symbology reader configured to: (i) decode a symbology attached to the target object and (ii) generate a signal based on the successful decoding of the symbology attached to the target object; and a processor configured to analyze a sub-set of the set of frames based on the signal, the sub-set of the set of frames having a second number of frames that is smaller than the first number of frames.

Abstract: A system and method are described for n alternate mobile payment service. The system includes a server computer for enrolling and storing user account information. The server computer is also capable of generating a unique one-time-use identifier for use during a transaction. The one-time-use identifier is returned to user as an electronic coupon which may be in the form of a two-dimensional barcode. The coupon may be used at a merchant location to complete a transaction. When the barcode is scanned it may processed similar to a credit/debit/prepaid card payment.

Abstract: Disclosed are a system of providing product information using a copy/paste function of an electronic commerce shopping cart, a method thereof and a non-transitory computer readable storage medium having a computer program recorded thereon. The method can be used as an effective intercommunication means by mutual exchange of shopping lists with acquaintances or friends rather than solo shopping. Further, user convenience in purchasing products and the probability of purchasing products can be enhanced by the method.