Abstract: A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date.

Abstract: Systems and methods for managing token-based transactions are disclosed. According to one embodiment, a method for managing token-based transactions may include (1) a token manager server comprising at least one computer processor receiving, from a customer, a request to provide a payment token to a merchant; (2) the token manager server receiving, from the customer, an identification of a first financial instrument and a second financial instrument to associate with the payment token; (3) the token manager server receiving, from the customer, an allocation of a transaction between the first financial instrument and the second financial instrument; (4) the token manager server generating the payment token and associating the payment token with the first financial instrument and the second financial instrument; and (5) the token manager server providing the payment token to the merchant.

Abstract: A method and system for processing payment during an electronic commerce transaction is described herein. The system includes: a mobile device configured to provide an electronic wallet storing a payment card, the payment card comprising card payment information, and a card security credential. The system may also include a coordination server configured to receive a request to conduct the electronic commerce transaction, and send an activation message to the mobile device to activate the electronic wallet. When the electronic wallet is activated, the mobile device may be further configured to: receive a card selection input indicating selection of the payment card for payment in the electronic commerce transaction; verify a security input against the card security credential of the payment card; and send the card payment information and confirmation that the payment card was present during the verifying for use in completing the electronic commerce transaction.

Abstract: A method and an apparatus for binding a bank card in a payment application are disclosed. The method includes the following steps: obtaining a picture of a to-be-bound bank card; identifying the picture of the bank card to obtain bank card information, where the bank card information includes a card number of the bank card and information about a bank card pattern; searching, based on the information about the bank card pattern, for a bank card background picture that matches the information about the bank card pattern; and superimposing the card number of the bank card on the bank card background picture to obtain a virtual bank card consistent with the bank card. A technical solution provided in this application is advantageous to desired user experience.

Abstract: A card not present (CNP) transaction system includes a transaction control device for scanning a barcode to obtain transaction information and an address of a middleware and to send a connection message to the address of the middleware according to the transaction information, the middleware for establishing a connection with a transaction control device according to the connection message received, to obtain a transaction token and a transaction amount from the transaction control device through the connection and to send a transaction message according to the transaction token and the transaction amount, and an acquirer server for receiving the transaction message to establish a connection with the middleware and to generate a transaction confirmation message to the middleware according to the transaction message after verifying the transaction token.

Abstract: A apparatus and method is disclosed for optimizing authorization approval in a proposed payment card transaction. In one embodiment an issuing country of the cardholder issuing bank is identified together with a plurality of potential merchant acquiring banks that could be used to process an authorization request for the proposed payment card transaction. Using historical data regarding previous proposed payment card transactions, historical approval rates are identified for each of the identified potential merchant acquiring bank configurations. The merchant acquiring bank configuration with the highest historical approval rating is selected as the optimal merchant bank configuration for processing authorization approval.

Abstract: A computer-implemented system and method for performing social network secure transactions is provided. A list of payment recipients each associated with a hashtag is maintained for a user. A chat session of the user is monitored on a social network platform. During the chat session, a message associated with one of the hashtags and indicating a possible transfer of funds is identified from the user. Transfer of the chat session to a secure payment platform is triggered based on the identified message. A message also associated with the hashtag and having encrypted payment information for a payment transaction is received via the secure payment platform. The payment information is decrypted and validation of the decrypted payment information is performed for the transaction. A transfer of the user to the social network platform is triggered and a notification of validation is transmitted to the recipient associated with the message hashtag.

Abstract: A system for storing data related to a transaction and for facilitating exchange of the data related thereto, the system comprises a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier and a plurality of identifiers of parties related to the transaction, the parties registered with the application server based on the associated identifier, the application server further configured to associate identifiers of one or more parties with the transaction based in part on a transaction identifier provided by a device associated with the one or more parties, receive data representative of one or more documents from the device, store data representative of one or more documents and an association of the data related to the transaction based in part on the identifier of the party and the transaction identifier, and, in response to receiving the data representative of the one or more

Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier, and escrow agent identifier, and account information related to an escrow agent account for the escrow agent maintained with a financial institution, the application server further configured to receive an image of the a check associated with a payment related to the transaction from a buyer or buyer agent, forward the check image, payment information, and escrow agent account information to the financial institution to cause a deposit into the escrow agent account, and generate and send notifications to the escrow agent and buyer or buyer agent.

Abstract: A system for storing data related to a transaction and for facilitating the transaction, the system comprising: a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier, an escrow agent identifier and account information related to an escrow agent account maintained with a financial institution, the application server further configured to: receive transaction data associated with a payment from an account of a buyer related to the transaction, an identification of an escrow agent, and a transaction identifier related to the transaction from a device associated with an agent of the buyer, the transaction being between the buyer and a seller; forward the transaction data to the financial institution to cause a deposit into the escrow agent account based on a comparison of the identified escrow agent with the escrow agent identifier associated with the transaction, wherein the e

Abstract: A technique for improving the security of a communication device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the communication device. When the communication device is interacting with a reader device to conduct a transaction, the communication device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

Abstract: A system for storing data related to a transaction and for facilitating the transaction from at least one of a plurality of payment sources, the system comprises a database; an application server coupled with the database and configured to store information associated with a plurality of transactions, the information including a transaction identifier, a recipient identifier, and account information related to a recipient account for the recipient maintained with a financial institution, the application server further configured to receive transaction data from a user device associated with a payment from at least one of a plurality of payment sources and related to the transaction, the transaction data comprising the transaction identifier and the recipient identifier, generate an electronic check based on the transaction data, and forward the electronic check and recipient account information to the financial institution to cause a deposit into the recipient account.

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.

Abstract: A request including data to be recorded in an information code is transmitted to a server from a terminal. Code generation information for generating an information code, in which the data is to be recorded, is received from the server. The information code is generated based on the received code generation information by the terminal. Practically, in response to the request, the server obtains an array pattern of the light-color and dark-color cells in the code region necessary for generating the information code in which the data is recorded. Information on the array pattern is set as code generation information and transmitted to the terminal. By another example, in the server, code print information including an array pattern of the light-color and dark-color cells in the code region can be obtained, and transmitted to the server for printing by the terminal.

Abstract: Disclosed are a service processing method and apparatus, and a service server. The method comprises: receiving an operation request, sent by a first client device, for requesting to perform a service operation; generating a target service random code for a first account according to the operation request; receiving an operation response that is sent by a second client device according to the target service random code; identifying the first account by using the operation response; and sending account information of the first account to the second client device, so that the second client device completes the service operation based on the account information. In embodiments of the present application, a service processing process is completed based on a service random code that is generated by a service server in real time; therefore, security is relatively high, and interference from the external natural environment is avoided, and reliability of service processing can be effectively improved.

Abstract: The present disclosure relates to a method and system for providing item recommendations to a user in a virtual marketplace. A virtual persona associated with a primary account number is identified. A merchant data request message requesting merchant data identifying preferred merchants to whom transactions have been made from the first payment account using the PAN is sent to a first remote server. In response, a set of merchant data associated with preferred merchants is received from the first remote server. An item data request message requesting item data associated with the preferred merchants is sent to a second remote server. In response, a set of item data associated with items that are associated with at least one of the preferred merchants is received from the second remote server. A recommendation of at least one of the items is provided to the user.

Abstract: A method of upgrading firmware of an adapter includes transmitting a set of n data blocks of first upgrade file to the adapter, receiving a first response information of the adapter based on the set of n data blocks, and determining that the updating procedure of the adapter fails when the first response information indicates that the adapter fails to receive all of the n data blocks. In the method, a mobile terminal transmits the upgrade file to the adapter and the adapter sends determination information to the mobile terminal after the adapter receives the upgrade file having a predetermined size. In a time interval, if the mobile terminal fails to receive the determination information or the adapter does not receive the upgrade file, the upgrading firmware of the adapter fails.

Abstract: A device may process a message associated with an account to identify a first identifier that identifies a third party. The device may identify a match between the first identifier and transaction information related to an individual associated with the account. The transaction information may include a set of first identifiers that identify a respective set of third parties. The transaction information may facilitate identification of one or more messages that is likely to include account information. The device may tag the message with a second identifier based on the match. The device may receive, from another device, the message based on the message being tagged with the second identifier. The device may process the message to identify the account information related to another account. The device may extract identified account information from the message. The device may perform an action related to extracted account information or the message.

Abstract: Implementations of this specification include identifying a plurality of transactions to be executed in the blockchain, wherein the transactions are arranged in an execution order, wherein the transactions include one or more smart contract calls to smart contracts each having a whitelist identifying one or more accounts that are authorized to execute the smart contract, and wherein the execution order includes a smart contract call to a smart contract that does not have a whitelist arranged after the plurality of transactions; identifying groups of transactions within the plurality of transactions; instructing nodes of the blockchain network to execute each of the groups of transactions in parallel; determining that the nodes of the blockchain network have completed executing all of the groups of transactions; and in response, instructing the nodes of the blockchain network to execute the smart contract call that does not include a whitelist.

Abstract: Various systems and methods for providing ATM screen personalization are described herein. A system includes a display; a processor subsystem; and a memory including instructions, which when executed by the processor subsystem, cause the processor subsystem to: receiving, at an ATM, an ATM configuration setting from a non-ATM channel, the ATM configuration setting set by a user of the ATM; and displaying a user interface on the display, the user interface configured with the ATM configuration setting.

Abstract: The present invention relates to a system and a method for requesting approval of a card payment and processing a calculation, by using a mobile terminal of a mobile card holder, wherein: in payment information exchange between a calculation terminal operated by a merchant and a mobile terminal of a card holder, when a display device of the store calculation terminal displays a two-dimensional bar code including information, such as payment details, without wired or wireless data communication connection, payment detail information is conveniently and safely transmitted through simply photographing the two-dimensional bar code by using a camera module built in the mobile terminal of the card holder; and a request for approval of a card payment is finally achieved using the mobile terminal of the card holder, thereby improving convenience of using mobile payment service through easy and safe payment without providing card information of a card holder to the outside.

Abstract: The present disclosure envisages an electronic payment system and method. This disclosure relates to the field of electronic payment systems. The electronic payment system facilitates sending and receiving money in a simpler manner using user devices. It provides a unified payments interface (UPI) and enables users to push and pull/collect payments from accounts of concerned persons/entities. The system of the present disclosure enables payment transactions between a payer and a payee without mandatorily needing bank information and bank account details of each other. It eliminates the risk of storing customer's account details and can be used by customers which do not have credit/debit cards. It provides payment transaction privacy and facilitates multiple utility, cash on delivery, bill splitting/sharing, merchant payments/remittances.

Abstract: According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.

Abstract: An aspect of the present disclosure includes acquiring an image representing a shadow component in an image capturing environment, the shadow component being reflected in a multi-valued image obtained by capturing an image of a subject; specifying an area having a luminance greater than a predetermined luminance value, the area being included in the image representing the shadow component acquired in the acquiring; correcting the image in such a manner that a luminance of an outer peripheral area of the specified area deceases; and generating a binary image by performing binarization processing on a pixel value of a pixel of interest in the multi-valued image based on a pixel value at the same coordinates as those of the pixel of interest in the corrected image.

Abstract: A trusted transaction signal is passed from a merchant to an account provider. A merchant receives a payment account association with a transaction between a customer and the merchant, and determines a level of risk for the transaction. If the customer is unknown to the merchant, the trust level is determined to be a default trust level. If the customer is known to the merchant, then a risk assessment determines whether the trust level is the default trust level, or a second, greater, trust level. A transaction notification is sent to the account provider. When the trust level is the default level, the notification includes a merchant ID that identifies the merchant and signifies the default trust level for the transaction. When the trust level is the greater level, the notification includes a different merchant ID that also identifies the merchant, but represents the second trust level for the transaction.

Abstract: A wearable device including a skin sensor and a processor is provided. The processor is configured to receive an authentication data for authenticating a user when a wearing state of the wearable device is adjacent to a skin surface of the user, execute a predetermined function in response to a request when the authentication data matches a pre-stored data and the skin sensor determines that the wearable device does not leave the skin surface after the authentication data is received, and reject or ignore the request when the skin sensor determines that the wearable device leaves the skin surface before the predetermined function is executed.

Abstract: This disclosure relates to systems and methods of risk detection in an electronic network. The method may include receiving a first portion of session context information for an interaction of an individual over a limited bandwidth network, the first portion including a session identifier for the interaction. The method may include retrieving a second portion of session context information for the interaction over a cloud data pipe using the session identifier, in response to receiving the first portion. The method may include accessing, a data structure representing connected knowledge of the individual. The method may include receiving, via a distributed system, security reputation data including aggregated information from a plurality of members. The method may include analyzing the session context information using the security reputation. The method may include generating a security risk score for the interaction based on the session context information, data structure, and the security reputation data.

Abstract: A method and apparatus for purchasing a product online is provided. The method may include switching, in response to a user input, from a display mode that displays a screen to a purchasing mode, detecting a product, which is commercially available for purchase, from among elements shown on the screen in the purchasing mode, and distinguishing display of the detected product from other elements on the displayed screen.

Abstract: Techniques are described for client registration for authorizing an aggregator service to access data on behalf of an application, through self-registration of an application client identifier and issuance of authorization token(s) based on the application client identifier. Implementations provide a technique for dynamic client registration that avoids the need for manual vetting and manual generation of the client credential grant. Additionally, the implementations described herein enforce domain values around the scope and/or purpose of the client grant. This allows for support of application providers through a single point of registration that supports multi-layer and channel. This also allows for support of a scalable authorization solution for any suitable number of clients. The dynamic client registration process adds an additional layer of security through the OAuth client grant and mutual authentication.

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: Provided is a computer-implemented method for remotely authorizing a transaction. The method includes receiving a transaction request including at least one user identifier, determining an authorizing user of a plurality of authorizing users based at least partially on the at least one user identifier, determining whether the authorizing user is online, communicating, to a user device associated with the at least one authorizing user, an authorization request message, wherein, if the authorizing user is online, the authorization request message includes a mobile device message configured to prompt the authorizing user to provide an approval of the transaction request, and wherein, if the authorizing user is offline, the authorization request message includes an automated telephone call configured to audibly prompt the authorizing user to provide an approval of the transaction request, and completing the transaction in response to receiving an approval of the transaction request from the authorizing user.

Abstract: Disclosed is an improved method, system, and computer program product for learning representations or embeddings of network flow traffic. The disclosed invention operates on network flow data which are then used as inputs to a deep-learning architecture that learns to embed the data into a vector space.

Abstract: A method, server and storage medium for verifying a transaction using a smart card are disclosed. A server receives a transaction request to perform a transaction with a user of the smart card. The transaction request includes identification information and encrypted data extracted from the smart card, and transaction information. The server determines a user account linked to the identification information. The server performs a first verification process to authenticate the smart card by verifying that the smart card possesses a correct decryption key corresponding to the identification information. The server performs a second verification process to authenticate the smart card by verifying that the encrypted data extracted from the smart card encodes stored data corresponding to the respective user account linked to the identification information. If the first and the second verification processes are successful, the server processes the transaction in accordance with the transaction information.

Abstract: A method is provided for facilitating session-based authentication for a plurality of e-commerce transactions for an account holder. The method includes registering a plurality of account holders, receiving, from an account holder of the plurality of account holders, user input setting the account privilege information for an account corresponding to the account holder, and receiving a transaction request for an e-commerce transaction between the account holder and a merchant, the transaction request comprising transaction details including a transaction value and a transaction time, and, in response to the transaction request, performing, with at least one computer system, an authentication process.

Abstract: In some implementations, a transaction card security system may detect a transaction card in an image, and may perform image processing to identify one or more character sequences or one or more designs that appear on the transaction card. The one or more character sequences or the one or more designs may identify an institution associated with the transaction card and/or a cardholder associated with the transaction card. The transaction card security system may identify the institution or the cardholder associated with the transaction card based on the one or more character sequences or the one or more designs, and may perform one or more actions relating to security of the transaction card based on detecting the transaction card in the image and identifying the institution or the cardholder associated with the transaction card.

Abstract: Systems and methods for secondary fraud detection during transaction verifications are disclosed. A payment system may transmit a fraud protection notification to a user in response to potential fraud being detected as part of a primary transaction fraud detection process. In response to the user interacting with the fraud protection notification to confirm that the transaction was not fraudulent, the system may capture user device data from the user's device. The system may perform a secondary fraud detection process on the captured user device data to determine whether the verification of the transaction has a risk of being fraudulent.

Abstract: A geofence computing device for creating and monitoring geofence zones is described herein. The geofence computing device includes a processor and a memory. The processor is configured to receive geofence data from the user device, the geofence data including a user defined geofence zone and a geofence rule. The processor is also configured to receive transaction data. The processor is further configured to determine a geographic location of the merchant. The processor is also configured to retrieve the geofence data from the memory and compare the merchant geographic location to the user defined geofence zone. The processor is further configured to apply the geofence rule based on the comparison of the merchant geographic location to the user defined geofence zone. The processor is also configured to add a flag to the authorization request message indicating whether the transaction satisfies or violates the geofence rule.

Abstract: Off-line deep neural network operations on client computing platforms may be enabled by cooperative machine learning across multiple client computing platforms and the cloud. A given client computing platform may include a client-side machine learning model configured to facilitate deep neural network operations on structured data. The operations may be performed by a client application installed on the given client computing platform. The client application may locally access the client-side machine learning model in order to perform the operations. Deep neural network operations on structured data may be performed at one or more servers. Sharing of model states may be facilitated between the cloud machine learning model and the client-side machine learning model. The cloud machine learning model may be improved, at one or more servers, based on usage of the application and user interactions with the given client computing platform.

Abstract: A method includes determining a match score indicative of similarities between (1) signal information associated with a current route being traveled by a user in connection with a transaction with a merchant and (2) signal information associated with an established route traveled by the user in connection with a previous transaction between the user and the merchant, wherein the signal information comprises signal signatures that identify one or more signal emitters identified along each route. The method also includes determining whether the current route matches the established route based on whether the match score is above a threshold. The method further includes if the match score is below the threshold, transmitting a message indicating that the user was not authenticated.

Abstract: Described herein is a platform and method for determining a confidence level associated with a transaction that utilizes dynamic data. In some embodiments, the confidence level is determined based on location data received in relation to the transaction. For example, some embodiments are directed to storing first location information collected from a mobile device provided in a request for the dynamic data, receiving second location information related to a transaction conducted using the dynamic data, and comparing the two with respect to the amount of time that has elapsed between collection of each to determine a confidence level associated with a likelihood that the transaction is authentic.

Abstract: A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.

Abstract: The present invention discloses a wireless augmented video system and method to monitor medical insurance billing fraud, drug or other theft and elder patient or child abuse by the caregivers. The wireless augmented system comprises; a wireless augmented monitoring devices, a cloud system monitoring center and a caregiver employing agency. The wireless wearable augmented monitoring devices further includes a smart wearable nametag apparatus and smart wearable wristband. A wireless cellular transceiver configured within the nametag apparatus to stream the augmented video stream in response to an event detected. The nametag apparatus also incorporates a memory element to buffer the augmented data prior to transmission, a SIM card to connect to any data cellular network, a Bluetooth to connect peripheral devices, a Wi-Fi component, color LCD screen for displaying current caregiver's name and photograph on the name tag, and LED power status display, a microphone, speaker and a micro USB port.

Abstract: A method of managing a compromised account stored within an electronic wallet is provided. The electronic wallet is stored on a user computing device and is in communication with a compromised account management (CAM) computing device. The method is implemented using the CAM computing device in connection with a memory. The method includes the step of receiving, from the user computing device via a compromised reporting function, a first notification message including a first account identifier, wherein the first notification message indicates that a first account associated with the first account identifier has been compromised. The method also includes determining an issuer associated with the first account identifier. The method further includes generating a second notification message including the first account identifier and an issuer identifier. The method also includes transmitting the second notification message to the issuer.

Abstract: FIDO authentication is augmented to include a behavioral score indicating that during a secure network session between a host and client device, the client device is being operated by a user with expected behavioral actions. The authenticated network session is maintained, stepped-up, or ended based on either or a combination of a positive response to a FIDO challenge and threshold of match between a current behavioral profile and a stored behavioral profile for the user.

Abstract: An embodiment provides a method, including: receiving, from a plurality of devices, transactional data, each of the plurality of devices being associated with one of a plurality of tenants within a system location, wherein the transactional data identifies information related to statistics of a corresponding tenant; routing the transactional data corresponding to one of the plurality of tenants and received from each of the plurality of devices associated with the one of the plurality of tenants to a staging database associated with the one of the plurality of tenants; and displaying, on a client device of one of the plurality of tenants, a front end program comprising a graphical user interface having a plurality of selectable elements, wherein information displayed in response to selecting one of the selectable elements is based upon the transactional data corresponding to the one of the plurality of tenants based upon accessing the staging database associated with the one of the plurality of tenants and id

Abstract: There are provided systems and methods for time sensitive geo-location data for push notifications after shared transaction processing. A user may utilize a communication device to perform electronic transaction processing for a group of users at a location. The device may be geo-location enabled so that a service provider may detect a location of the device. Based on the geo-location of the user at the time of processing and other nearby geo-location enabled device, the service provider may determine other users that share in the transaction and are associated with the user using messaging connections and shared data transmissions. The service provider may determine the transaction that the user processed. The service provider may request that the other users provide the required reimbursement to the user that processed the transaction data. The other users' devices may receive a push notification and data to perform transaction processing.

Abstract: Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase.

Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a server are provided. The card may include an applet, a counter, and a plurality of encryption keys. The applet may rotate the plurality of keys based on a predetermined key rotation, select one or more keys for a cryptographic operation, perform the operation using the selected keys and the counter to generate a cryptographic result, and transmit the result and the counter to the server. Upon receipt of the result, a server, in communication with the card and containing the plurality of encryption keys, may rotate the plurality of keys based on the predetermined key rotation, select one or more keys for decryption, wherein the keys selected by the server matches the keys selected by the applet, and perform the decryption on the result.

Abstract: A system for monitoring financial threats includes: at least one central processing unit and system memory that causes the system to: receive information about a threat associated with a financial services device; identify a type of the threat; identify a location associated with the threat; and notify one or more customers associated with the financial services device based upon the type or the location of the threat.

Abstract: Techniques are described for authenticating an individual based at least partly on a tremor signature of the individual. Motion data is collected through motion sensor(s), such as accelerometers, gyroscopic motion sensors, and so forth, of a portable computing device that is being held, worn, or is otherwise in contact with the user. Based on the collected motion data, a tremor signature may be determined and compared to a previously determined model for the user, and an authentication determination may be made based on the comparison. The tremor signature may be used in combination with other information to authenticate the user. For example, the tremor signature may be used in combination with location information and/or other biometric data such as a fingerprint scan, image of the user's face, audio recording of the user's voice, the user's heartbeat, a cardiac electrical signature, bio-electrical impedance, and so forth.