Abstract: The present disclosure is related to a field of payment transactions using a card that discloses a computer-implemented method and a system for restricting a transaction while using a payment card. A card processing server may receive card details, a transaction amount, a flag, and signature data of the payment card from a remote terminal upon initiating a transaction using the payment card. Further, the card processing server validates the payment card based on the card details and the signature data of the payment card and thereafter determines a value associated with the flag upon successful validation. The value associated with the flag indicates one of two conditions, e.g., a true condition and a false condition. Based on the condition indicated by the flag, the card processing server performs one of a first action and a second action related to either processing or declining the transaction.

Abstract: One or more computing devices obtains service data of a user payment service. The one or more computing devices determines whether the service data of the user payment service falls within a service indicator range. In response to determining that the service data does not fall within the service indicator range, the one or more computing devices obtains location information of a target customer corresponding to the service data. The one or more computing devices obtains one or more local events corresponding to the location information. The one or more computing devices determines, based on the one or more local events, whether to output an alarm for the service data. In response to determining to output the alarm for the service data, the one or more computing devices outputs the alarm for the service data.

Abstract: The disclosed subject matter includes methods, systems, and networks for authentication based on physical characteristics of a mobile device. A computer-implemented method performed by a payment network includes receiving an image of a part of a mobile device from an image capturing device that communicates with the payment network, wherein the mobile device includes digital card data of a customer. The computer-implemented method may also include comparing a physical condition of the part of the mobile device shown in the received image to the physical condition of the part of the mobile device shown in a stored image. In addition, the computer-implemented method may include authenticating or declining a transaction involving the digital card data based on the comparison of the physical condition of the part of the mobile device in the received image and the stored.

Abstract: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for receiving first user input by a primary device from a primary input device, where the user input is provided by a user to the primary input device that is coupled to a primary device. Receiving second user input provided by the user to a secondary input device that is in communication with the primary device. Determining a user credential based on the first user input and the second user input, where at least one or the first input and the second input includes at least a portion of the user credential. Receiving an indication that the user is authentic based on the user credential, and, in response, enabling the user to further interact with the primary device.

Abstract: A message is generated, with the message including a URL (uniform resource locator). The URL points to a web location. The web location is for facilitating a payment to a payment recipient. The message is transmitted to a mobile device owned by the payment recipient.

Abstract: A device and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial account; the secure element for processing at least a portion of the data relating to the financial account acquired by the interface; and control logic for acquiring a purchase amount to be debited from the financial account and for obtaining a transaction authorization from the financial institution related to the financial account, the transaction authorization being based, at least partially, on data processed solely by the secure element independently of data processed by the central processing unit. A method of conducting the secured financial transaction, and a computer program product for execution by the secure element are also disclosed.

Abstract: An information device makes a payment with a payment terminal through a contactless communication, using amount data of an electronic purse function of a mobile device. The mobile device with the electronic purse function permits the information device to be used for performing payment processing with the payment terminal, using amount data of the electronic purse function of the mobile device. A wearable information device includes an image taking unit configured to take an image of an object in the direction of line of vision of a user, and notifies the information device of the presence or absence of the information device in a taken image. The information device makes a payment with the payment terminal through a contactless communication based on the notification from the wearable information device of the presence or absence of the information device.

Abstract: Provided is an information processing apparatus including: a processing unit configured to execute processing of authenticating an external apparatus through communication with the external apparatus which is a communication target and processing of updating information to be updated through communication with the external apparatus, as a series of processing.

Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real time relative to when the funds transfer information is initially received.

Abstract: A method for securing smart contracts in a blockchain includes receiving in the blockchain a contract creation transaction having a control flow graph (CFG) and contract code for a smart contract to be created. The contract creation transaction is verified by checking a signature of a creator of the smart contract and determining that the CFG is correct based on the contract code. The verified contract creation transaction is included as a block in a distributed ledger of the blockchain.

Abstract: A method for maintaining transaction integrity for transactions performed over a public network includes: receiving a transaction message corresponding to an original transaction, the transaction message including a unique, client-assigned, first identifier; in response to receiving the transaction message, assigning a unique, second identifier to the original transaction; generating a request to process the original transaction including at least a portion of the transaction message and the second identifier; transmitting the request to an issuer server to process the original transaction; receiving a first response from the issuer server in connection with the original transaction; in response to the first response, generating a second response corresponding to the original transaction including the first identifier and the second identifier; and transmitting the second response to the client.

Abstract: Bias identification in social network posts. A method performs a semantic comparison of social network posts by a user of a social network to identify a group of social network posts by the user about a specific topical content category. The method determines a respective semantic sense of each social network post of the group. The method also ascertains a semantic sense pattern among social network posts in the group of social network posts about the specific topical content category. The method identifies a bias in at least one social network post of the group of social network posts based on identifying that the respective semantic sense in each of the at least one social network post deviates from the ascertained sematic sense pattern. The method uses the identified bias to predict bias in one or more other social network posts made by the user on the topical content category.

Abstract: Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a payment processing network and an issuer. The server computer queries various databases to determine one or more available communication channels that may be used as authentication channels by the issuer. The server computer also determines one or more communication channels, available for use by a mobile device of the user, that may be used as authentication channels to authenticate the payment transaction. The user is provided with a list of available/eligible authentication channels. User selects one of the authentication channels and the issuer is notified of the selection. The issuer uses the selected authentication channel to communicate with the user and authenticate the payment transaction.

Abstract: A system, method and gateway are provided. The method is executed by a primary gateway, and includes obtaining status information from smart devices, a first portion of which belong to and communicate with the primary gateway using a first standard, and a second portion of which belong to and communicate with a secondary gateway using a second standard. The status information from the smart devices belonging to the secondary gateway is received from the secondary gateway, and the status information from the smart devices belonging to the primary gateway is received directly from the smart devices belonging to the primary gateway. A control instruction for controlling a second smart device is generated in response to status information from a first smart device complying with an interworking rule, where the first and second smart devices communicate using different standards. The control instruction is transmitted to the second smart device.

Abstract: Unlike the prevalent paradigm for electronic payments where merchants own, orchestrate, and drive the payment process, embodiments of this invention enable customers to pay for products and services from their personal computers or mobile devices without involving the merchant in the payment process. Merchants place their payment requests into a payment bus and customers fulfill these requests in any way they please—from any device, at any time, through any payment service. We refer to the payment paradigm described here as Payer-Centric Payments (PCP) as opposed to Merchant-Centric Payments (MCP) that is commonplace today. This invention is applicable for physical, online, and vending machine payments and provides significant benefits to both customers and merchants.

Abstract: Methods and a computer system for dynamically generating an embedded payment interface are described herein. The method includes obtaining rules that define a desired configuration of the embedded payment interface. The method also includes storing rules, storing a default interface template having a default configuration, and receiving an access message indicating that the webpage is accessed at a remote computing device, the access message including a plurality of data elements associated with the webpage and the access of the webpage by the remote computing device. The method also includes accessing the default interface template, generating customization commands that define an output configuration of the embedded payment interface by applying the rules to data elements, applying the customization commands to the default interface template to produce a payment interface having the output configuration corresponding to the desired configuration, and embedding the payment interface in the accessed webpage.

Abstract: An improvement to the function of computer systems, including those that verify the identity of subjects arriving at checkpoints, is realized by (a) relying on a central resource, instead of checkpoints, to perform biometric comparisons, (b) using lists of expected subjects at the checkpoints, (c) providing rolling updates to the list of expected subjects as warranted by changes, and (d) locking the records of subjects once their identity is verified. The improvement resides in specialized logic that is specifically tailored to the checkpoint environment and, as such, leads to reduced computing resource consumption for the processing system, the memory, the network, and the components that interface with the network.

Abstract: Techniques are provided for user authentication using a location assurance based on a location indicator modified by a shared secret. One method comprises obtaining a shared secret; initiating a challenge in connection with an authentication request by a client from a given location to access a protected resource, wherein the challenge comprises a location indicator selected for the given location; processing a response submitted by the client in response to the challenge, wherein the response comprises the location indicator for the given location modified by the client with the shared secret, and wherein the processing comprises evaluating the response submitted by the client relative to the location indicator selected by the authentication server; and resolving the authentication request based on the evaluating. The client modification of the selected location indicator with the shared secret comprises, for example, decrypting, filtering and/or altering the location indicator based on the shared secret.

Abstract: A method is described as implemented in a mobile device having a lock screen wallpaper, where the mobile device maintains a profile storing authentication data associated with both a primary user of a mobile device and one or more secondary users that are authorized to use the mobile device. When the mobile device is at a business location, the secondary user(s) are non-intrusively authenticated as authorized user(s) of the mobile device. Upon successful authentication a scanning code is displayed over a lock screen wallpaper of the mobile device, where power is conserved in the mobile device by providing the scanning code to the secondary user(s) without unlocking the mobile device.

Abstract: The present invention discloses a method and system configured for monitoring and verifying software behavior, comprising: receiving, by a software behavior verification system based on a physical hardware system, legal user behavior data containing user activities performed during legal electronic transactions and storing the legal user behavior data as a software behavior model; monitoring, by a software behavior monitor, data packets transmitted in a transaction, and sending data packets to the software behavior verification system; retrieving, by the behavior verification system, expected key sequences and information in the data packets; comparing the key sequences and information retrieved from the data packets with that of the software behavior model; if the key sequences and information retrieved from the data packets does not consistence with the software behavior model, it is determined that the transaction is an illegal electronic transactions, and the transaction is closed.

Abstract: One or more implementations shown in the present specification provide an offline payment method. A communication connection between a collection device and a payment device is established, wherein both the collection device and the payment device are in an offline state. Payment data sent by the collection device is received by the payment device through the communication connection established to the collection device. Payment processing based on the payment data and account information of the payment device is performed by the payment device, to obtain a payment result. The payment result is returned, by the payment device to the collection device through the communication connection. Collection processing is performed, by the collection device, based on the payment result and obtained account information of the payment device, to obtain a collection result.

Abstract: Systems and methods are disclosed for processing transactions and associated dated. In one exemplary implementation, there is provided a method for processing information associated with transactions involving a product, wherein the product may comprise an experience, a physical product, and/or a digital product. Moreover, illustrative methods may include performing processing associated with a plurality of subroutines, such as a first subroutine for handling an experience, a second subroutine for handling a physical and/or a digital product, and/or one more additional subroutines associated with fulfillment.

Abstract: A method for establishing fraud detection system for payment card transactions associated with an individual or a household by analyzing the online or in-store transaction against fraud detection individual profile. Generating the individual profile involves retrieving transaction data and identifying information associated with transaction authorization request, searching for another payment card using the identifying information, aggregating payment cards transaction data, generating profile data for an individual according to identifying information, transaction data, and any reported fraudulent activities under the payment cards, analyzing the transaction against the profile data to determine whether the transaction is a fraudulent activity, and providing a notification to financial institutions reporting any fraudulent activities.

Abstract: At least one example embodiment is directed to a method of preventing a denial of service attack on a network that includes receiving a request from a first entity to initiate a blockchain operation on behalf of the first entity and a second entity; and generating, in response to receiving the request, a prompt including at least one condition that is associated with the blockchain operation. The method includes sending a first message that includes the prompt to the first entity; and receiving a second message that includes an indication of whether the at least one condition has been satisfied or is authorized to be satisfied. The method includes determining whether the request from the first entity is attempting the denial of service attack or is issuing a legitimate request, and facilitating the blockchain operation upon satisfaction of the at least one condition.

Abstract: A system and method for detecting fraudulent transactions of incremental transactions via incrementally training classifiers on a number of data subsets to obtain transaction label predictions. Recent information on fraudulent transactions is implemented to update the classifiers, thereby eliminating the problems of concept drift and verification latency. Some of the incremental transactions may be labeled as fraudulent according to the incrementally modified classifiers and thereby rejected.

Abstract: The present disclosure generally relates to managing the use of transfer accounts using an electronic device. In accordance with some embodiments, user interfaces for inputting information about a secure credential to an electronic device are described. In accordance with some embodiments, user interfaces for managing the use of a credential provisioned on an electronic device that operates on stored power are described. In accordance with some embodiments, user interfaces for managing the use of a transfer account associated with different credentials on an electronic device are described.

Abstract: Methods, systems, and non-transitory computer-readable media are provided for fraud detection within an interactive media system such as a computer-based game. In some implementations, fraud in online subscription payments can be detected. The fraud detection can be used to adjust virtual currency revenue sharing payouts to developers associated with the computer-based game.

Abstract: An electronic payment card processing system and method includes at least one computing device in communication with a multi-party payment processing system and network for processing payment card transactions. The computing device receives transaction data for a plurality of payment card transactions identifies foreign exchange transactions based on the received transaction data, and applies a chargeback loss mitigation rule to filter a chargeback request for a disputed transaction charge that relates to an identified foreign exchange transaction, thereby preventing an unnecessary chargeback for the foreign exchange transaction.

Abstract: A method for determining authenticity of a point of sale device includes: storing a blockchain and point of sale identifier pair, wherein the blockchain is comprised of a plurality of blocks, each comprised of a block header and transaction data values, each transaction data value corresponding to a payment transaction involving a point of sale device associated with the point of sale identifier and includes an indication of approval or denial for the payment transaction; receiving a fraud probability request, the request including the point of sale identifier; identifying a number of transaction data values that include an indication of denial; determine an authenticity value indicating a likelihood that the point of sale device is engaged in fraudulent activity based on a registered latitude and longitude of the point of sale device, the number of transaction data values, and additional criteria; and transmitting the determined authenticity value.

Abstract: A method for providing identification using an endpoint device is disclosed. The endpoint device may include an electronic identity that is unique and can be securely stored. The electronic identity may be passed to an access device along with signed interaction data and a cryptogram. The access device may generate an authorization request with the cryptogram and may send it to a remote server computer for further processing.

Abstract: Systems and methods for account access/identity verification based on access to a third party account. In various embodiments, the disclosed system facilitates access to a particular account via verification of the identity of the accessing user through control of a third party account. That is, in one embodiment, the system allows a user to access an account if the user can prove that he/she also has access to another account (e.g., via providing a code to the system that was transmitted to the other account).

Abstract: Disclosed are example methods, systems, and devices for integrating payment API services provided by a service provider computing system with a client application. The client application running on a user device may allow a user to make payments and/or to submit payments for approval and may communicate payment information to a client computing system. If a payment is submitted for approval via the client application, the client computing system may make API calls to the service provider computing system to, for example, submit, view, and/or cancel payments. Payments may be approved by a second user using a second device. The service provider computing system initiates fund transfers for approved payments. Payments may be submitted within the operating environment of the client application without use of an application or website of the service provider.

Abstract: A charging station facility is provided having one or more charging stations for wirelessly transmitting electric energy to a vehicle. Each charging station includes a base unit which is designed to generate an electromagnetic charging field during a charging process in order to transmit electric energy to the vehicle and a transmitting and/or receiving unit which is designed to receive a request signal from a transmission unit of a vehicle or to transmit the request signal to a receiving unit of the vehicle. The request signal lies in any range of a plurality of different frequency ranges. The receiving unit is additionally designed to ascertain a signal strength of the received request signal.

Abstract: Systems and methods are disclosed for clustering multiple devices that are associated with particular users by utilizing both probabilistic and deterministic data derived from analytics information on the users. An analytics computing system generates at least one deterministic device cluster that groups a first set of devices associated with a first user. The first set of devices share deterministic user identifiers specific to the first user. The analytics computing system also identifies a probabilistic link between a device in the first set of devices and additional devices. The probabilistic link indicates common usage patterns between two devices. Based on the probabilistic link, the analytics computing system generates a data structure that includes the deterministic device cluster and the additional devices.

Abstract: In a mobile terminal, while a payment mode in which payment is available to be performed by a payment unit, execution of a function other than the function related to the payment is limited.

Abstract: The referral system described herein can give users the ability to recommend a vendor (such as, e.g., a company or a service provider) to another user via electronic sharing of a dynamically generated code when one or more pre-established conditions have been met, such as when the vendor has submitted a qualifying offer to the referral system and the user is verified to have previously utilized the referral system to redeem a prior offer of the given vendor.

Abstract: Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.

Abstract: Methods and systems for a browser extension system are disclosed. In some embodiments, a browser extension server includes a communication device configured to communicate with a first computing device executing a browser extension application and a web browser application and a second computing device executing an authentication application. The browser extension server further includes a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include receiving from the first computing device an indication of a financial service account associated with the first computing device, detecting a payment field in a web page provided by the computing device through the web browser application and, in response, generating a secure token mapped to the financial service account.

Abstract: Disclosed are systems and methods for mitigation of fraudulent transactions. In some embodiments, a server is communicatively coupled to a user device, and is configured to receive a proposed transaction from a merchant device communicatively coupled to the server, apply a dynamic classification algorithm to the proposed transaction to determine if the proposed transactions appears to be fraudulent, generate a user verification request when the proposed transaction appears to be fraudulent, transmit the user verification request to a user computing device communicatively coupled to the server, receive an approval or a refusal of the proposed transaction based on the user verification request, and process the proposed transaction based on the received approval or refusal of the proposed transaction.

Abstract: A method for data risk control comprises categorizing batch transaction data in a preset time period according to a first attribute, generating a graph indicator of a corresponding graph for each category of the batch transaction data according to a second attribute, the corresponding graph configured to identify risks in the batch transaction data, inputting the graph indicators corresponding to different categories of the batch transaction data into corresponding risk identification models, and determining whether the batch transaction data corresponding to the input graph indicators has a risk based on results output by the models. This scheme can quickly and accurately identify risks in batch transaction data.

Abstract: Various embodiments are generally directed to method and devices to receive biometric data and transaction data relating to a transaction, apply a model to the biometric data and the transaction data to determine an emotional state of the user during the transaction, and determine an action associated for the transaction based on the emotional state of the user during the performance of the transaction. Embodiments further include causing performance of the action.

Abstract: A system and method for generating an insult rate and reconfiguring an automated decisioning workflow includes configuring a testing group based on sampling from online events having an adverse disposal decision computed by an automated decisioning workflow computer that is configured with machine learning-based threat score thresholds that, if satisfied, causes a computation of a disallow decision or a block decision for a given online event; evaluating a performance and collecting performance data of distinct members of the testing group over a testing period; computing an insult rate for the testing group based on the performance data; computing an insult rate equilibrium for the automated decisioning workflow computer based on the performance data; evaluating the insult rate against the insult rate equilibrium; and reconfiguring adverse decisioning thresholds based on the evaluation of the insult rate of the testing group against the insult rate equilibrium for the automated decisioning workflow computer.

Abstract: A computerized method for deanonymizing cryptocurrency users by analyzing bank transfers to a cryptocurrency exchange may include receiving data from a currency transfer made by a user at a bank to a cryptocurrency exchange. Candidate currency exchange transactions made by the user may be identified from the currency exchange transactions completed by the cryptocurrency exchange within a predefined time interval. A set of anonymous transactions in blockchain cryptocurrency ledger in the predefined time interval may be identified where the cryptocurrency value in transactions of anonymous users in a blockchain cryptocurrency ledger matches a currency transfer amount made by the user in the candidate currency exchange transactions. Anonymous transactions in the set may be identified as being made by the user based on the probability assigned to each anonymous transaction in the set.

Abstract: Systems and methods for token processing are disclosed. An access device can provide access device data to a mobile communication device. The communication device generates a token request including the access device data and communication device data and sends the token request to a server computer. The server computer returns a token and a token cryptogram to the mobile communication device. The token and the cryptogram may be used in a transaction.

Abstract: A system for ordering goods via a vehicle includes a location sensor, an input device to receive a first desired consumable order from a first POS, a network access device, and an electronic control unit (ECU) coupled to the location sensor, the input device, and the output device. The ECU is designed to determine or predict a first wait time between ordering the first desired consumable order and a corresponding first desired consumable being available for pickup at the first point of sale, determine a first route time corresponding to an amount of time for the vehicle to travel from the current location of the vehicle to the first point of sale, and control the network access device to transmit the first desired consumable order to the first point of sale when the first wait time is within a predetermined amount of time of the first route time.

Abstract: An embodiment of a method of providing identity services includes receiving identity data from an identity user, the identity data related to an identity of the identity user; receiving validation data from an identity provider, the validation data related to the identity data; if the validation data indicates that the identity data is valid, generating a transaction to store data related to the identity of the identity user on a blockchain of a blockchain system, the data to be stored including a representation of at least one of: the identity data, or the validation data; and transmitting the transaction to at least one distributed node of the blockchain system.

Abstract: The present disclosure is directed to systems and methods for providing dynamic communication threads in response to a detected interaction with a sponsored digital content item. For example, systems and method described herein detect a user interaction with a sponsored digital content item and generate a screened communication thread between the user and the sponsor that is not available to the sponsor. The screened communication thread serves as a reminder to the user of the sponsored digital content item. Systems and methods described herein convert the screened communication thread to an open communication thread based on user interaction with the screened communication thread (e.g., after the user submits a reply in the screened communication thread). Thus, systems and methods described herein protect the user's online privacy unless and until the user indicates a desire to interact with the sponsor.

Abstract: To ensure the quality of NFC communication between a contactless card and a smartphone, a positioning pattern, for example a portion of the card visual, is displayed on the screen of the smartphone. This is a visual aid to help the user to position the contactless card, in proximity to the smartphone, toward a position where a card indicator for which provision is made on the card, typically the portion complementary to the card visual, is aligned with the displayed pattern. The positioning is made easy as the positioning pattern and the card indicator are preferably chosen to be visually complementary. Also, the contactless card is in the appropriate position when the card indicator visually complements the positioning pattern. The positioning pattern is thus displayed at a location of the screen allowing the best NFC coupling between the card and the smartphone.

Abstract: A device may determine information that identifies a location of a projectable transaction card that is capable of being used to conduct a transaction associated with a merchant. The device may determine that the location of the projectable transaction card matches a location associated with the merchant. The device may identify a virtual transaction number that is unique to the merchant, previously associated with the merchant, unique to an account associated with the projectable transaction card, and to be used in conducting the transaction. The device may provide the virtual transaction number for display on a display screen of the projectable transaction card. The virtual transaction number may not be displayed on the display screen of the projectable transaction card prior to a determination that the location of the projectable transaction card matches the location associated with the merchant.

Abstract: The disclosed technology is generally directed to optical text recognition for forms. In one example of the technology, line grouping rules are generated based on the generic forms and a ground truth for the generic forms. Line groupings are applied to the generic forms based on the line grouping rules. Feature extraction rules are generated. Features are extracted from the generic forms based on the feature extraction rules. A key-value classifier model is generated, such that the key-value classifier model is configured to determine, for each line of a form: a probability that the line is a value, and a probability that the line is a key. A key-value pairing model is generated, such that the key-value pairing model is configured to predict, for each key in a form, which value in the form corresponds to the key.