Abstract: Provided is a method for operating a distributed database system having distributed node devices for providing interlinked data blocks, in particular in the style of a blockchain, that document transactions between subscribers, wherein transactions between subscribers are protected by transaction data and a cryptographic signature process, involves the cryptographic signature process being defined for each transaction in order to protect the respective transaction, wherein signature information identifying the defined cryptographic signature process is part of the transaction or part of a performance request for the transaction. For each transaction, signature data are then calculated using the defined cryptographic signature process for at least some of the transaction data or the hash value thereof, and the signature data are added to the transaction data.

Abstract: Apparatus and methods are provided for multiple debit/credit cards from a family/friend group to enter in a distributed ledger network such as a blockchain. These networked cards may store, and replicate records of all transactions initiated by each card using immutable cryptographic signature. A secure mobile app may link and delink cards to the network. Linked cards may maintain transaction amount, time, place, date, location, key type pattern, user's image, voice sample, user info for all the other cards in the distributed ledger. Whenever any card performs a transaction, a record of the transaction is replicated locally on the same card and copied to all other cards in the distributed ledger network. Any care may verify all the attributes of past transactions, compare those attributes to current transaction attributes and alert other cards in the network in response to detecting suspicious transaction activity.

Abstract: Point-of-sale (POS) e-commerce transaction verification via a mobile device such as a smart phone, smart watch, tablet, PC, appliance or personal assistant rather than numeric keypad on POS device. Near field communication (NFC), quick response (QR) code, push notification and executable application embodiments disclosed.

Abstract: In some implementations, an identity verification device may receive a request to verify an identity associated with a user accessing a social media account to share information on a social media platform. The identity verification device may generate, based on the request, a virtual credential linked to a primary credential associated with a financial account belonging to a holder of the social media account. The virtual credential may be used in an identity verification transaction to prove that the user accessing the social media account has access to the financial account associated with the social media account holder. The identity verification device may store a record indicating that the virtual credential was used to conduct the identity verification transaction and may provide, to the social media platform, information to verify the identity associated with the user accessing the social media account based on the record.

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

Abstract: A device may configure a plurality of time dimensions of a forecast model to forecast transactions. The device may identify, using the forecast model and transaction information associated with forecasting a transaction, historical transaction data that includes timing information associated with executions of a set of previous transactions that are associated with the transaction. The device may generate, using the forecast model and the plurality of time dimensions, a plurality of clusters associated with the set of previous transactions. The device may determine, using the forecast model, similarity scores for the plurality of clusters that correspond to individual probabilities that the set of previous transactions occurred according to the plurality of time dimensions. The device may select, based on the similarity scores, a time dimension for a forecast of the transaction. The device may generate the forecast of the transaction based on the time dimension.

Abstract: Disclosed are methods and systems for validating instruments. For instance, a request to generate a cashier's check may be received from an application executing on a drawer's computing device. Request information may be stored within a data storage entry for the check, and a code to be printed on the check may be generated to include at least a portion of the request information. Instructions may be provided to a printing system to cause the check to be printed with the code, where the printed check is invalid. Instructions may be provided to the application and/or printing system to cause display of a prompt to facilitate a reading of the code to validate the check. When information within the code is read by and received from the printing system, the check may be validated, which triggers a transfer of funds from the drawer's account. Otherwise, the check may remain invalid.

Abstract: Described are a system, method, and computer program product for breach detection using convolutional neural networks. The method includes receiving transaction data associated with a plurality of transactions completed in a first time period. The method also includes identifying a set of suspected fraudulent transactions of the plurality of transactions based on inputting at least one parameter of the transaction data into a fraud evaluation model. The method further includes generating an image comprising a field of points, wherein each point is associated with at least one transaction of the set of suspected fraudulent transactions, and wherein an x-axis position in the image of each point in the field of points is associated with a time subperiod of the first time period in which the at least one transaction occurred. The method further includes detecting a breach event by processing the image with a convolutional neural network (CNN) model.

Abstract: In one embodiment, a method includes receiving customized schema parameters associated with a request for a customized transaction schema associated with a payment processor from an external server associated with the payment processor by servers of a receiver processor platform, retrieving a pre-configured transaction schema comprising pre-configured schema parameters, generating the customized transaction schema associated with the payment processor by integrating the customized schema parameters into the pre-configured transaction schema, wherein the servers of the receiver processor platform are configured to generate transaction resource configurations based on the customized transaction schema, each transaction resource configuration being configured for processing transaction authorization requests to authorize respective transactions associated with a transfer of resources to a receiving entity from a user associated with the payment processor, and storing the customized transaction schema associated

Abstract: Anomalies can be detected and related mitigation actions can be executed. For example, a computing device receives, from a first source, first data associated with a first process of a payment service in support of transactions of a first plurality of users. The computing device generates first aggregated metrics based on the first data. The computing device determines, by using the first aggregated metrics as first input to a machine learning engine, an anomaly associated with the execution of the first process. The computing device determines, based on the anomaly and a history of anomalies associated with the execution of the first process, an indication of an outage associated with the first process. The computing device causes an execution of a mitigation action based on the indication of the outage. The execution of the mitigation action is in support of transactions of a second plurality of users.

Abstract: Systems and methods for facilitating payment service-based guest checkout with a merchant are disclosed. According to one embodiment, a method for facilitating payment service-based guest checkout with a merchant may include: (1) receiving, from a merchant's application or website, a redirect of an online interaction between the merchant and a customer; (2) retrieving, from an issuer payment service, wallet information comprising a plurality of payment options for the customer; (3) receiving a selection of one of the payment options; (4) communicating the selection of the payment option to the payment service for the issuer. The issuer payment service provides a session identifier to the merchant application website, the merchant application or website provides transaction information and the session identifier to a merchant payment host, the merchant payment host retrieves the selected payment option from the issuer payment service and conducts the transaction using the selected payment option.

Abstract: A method, system and computer program product for mitigating errors in measurements from a quantum system. A discriminator is trained to classify the measurement results of the quantum states of qubits as corresponding to a first quantum state (e.g., quantum state of 0) or a second quantum state (e.g., quantum state of 1). A first region of trust (corresponding to trusted measurements of a first quantum state) with a first discriminator boundary and a second region of trust (corresponding to trusted measurements of a second quantum state) with a second discriminator boundary are defined using the trained discriminator. If a shot-to-shot measurement result of a qubit state falls outside such regions of trust, the measurement result is rejected. In this manner, measurement errors from a quantum system are effectively mitigated, including measurement errors involving shot-to-shot measurement results of the quantum states read from the execution of the quantum circuits.

Abstract: A payment processing apparatus and a system or a method are provided that have a location-agnostic payment code, where the user does not have to check in to the merchant's location. Further, the reliance on the network connection is reduced by caching or storing payment codes at the user's mobile device. The payment codes may have expiration and may be used once. The payment codes may be revoked or canceled if the user's mobile device is compromised or stolen. In an embodiment, the payment codes may be generated and provided to the user's mobile device when the payment application at the user's mobile device is refreshed. For example, the payment application is refreshed based on user's payment history or payment habits. In another embodiment, the payment codes may be generated and provided to the user's mobile device when the user is within a predetermined distance from a merchant.

Abstract: The innovation disclosed and claimed herein, in one aspect thereof, comprises systems and methods of funds transfer authentication. The authentication can include receiving a transfer request to transfer funds from a payer to a payee, the transfer request identifies the payer, the payee, and an amount to transfer. Customer information associated respectively with the payer and the payee is identified. The payer and the payee are authenticated. A communication session is opened between the payer and payee. A time-limited payee OTP is generated and sent to the payee. The payee OTP is received within a first time limit. The funds are transferred from the payer to the payee based on receiving a matching payee OTP.

Abstract: A provider computing system includes one or more processing circuits including one or more processors and one or more memories having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to: receive a new card action from a customer, the new card action prompting a provider to send a new card to the customer; determine that a personal identification number (PIN) has not been set for the new card; determine whether the customer is registered for online access for an account associated with the new card; in response to determining that the customer is registered for the online access, perform an online-based PIN process to set the PIN; and in response to determining that the customer is not registered for the online access, perform a call-based PIN process to set the PIN.

Abstract: An embodiment for managing peer-to-peer (P2P) donations in an online transaction is provided. The embodiment may include receiving data relating to a donation agreement from a donor. The embodiment may also include selecting one or more authentication techniques to identify a donee. The embodiment may further include generating a unique redemption authentication token for the donee. The embodiment may also include creating a transient donee account including the generated unique redemption authentication token. The embodiment may further include transferring monetary funds to the created transient donee account with instructions to redeem the transferred monetary funds. The embodiment may also include receiving a request from the donee to redeem the transferred monetary funds utilizing the generated unique redemption authentication token. The embodiment may further include in response to determining the donee is able to be verified, approving the received redemption request.

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

Abstract: Methods, systems, and computer-readable storage media for receiving, by a social media management platform, an incoming message on a social media platform of a plurality of social media platforms, determining an enterprise of the plurality of enterprises that the incoming message is directed to, determining a class of the incoming message from a set of classes, generating, by one of a public relations (PR) bot and a social bot of the social media management platform, a first reply to the message based on the class of the incoming message, the PR bot and the social bot each being specific to the enterprise and at least partially controlling a social media account of the enterprise on the social media platform, and posting, by the one of the PR bot and the social bot, the first reply to the incoming message on the social media platform using the social media account.

Abstract: Systems, methods, and non-transient machine-interpretable data representing executable instruction sets and/or other products for the processing of data for the 5 secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of payment transactions and other secure data processes. In various aspects and embodiments the disclosure provides secure means for the authorization of sensitive and other data processes subject to controlled access. Such processes include, for example the creation, administration, 10 authorization, virtualization, storage, and other manipulation or processing of electronic data representing characteristics of, instructions for, and information associated with consumer, business, and other payment accounts, and other forms of secure payment elements, such as payment tokens; and data useful in processing transactions using such accounts and elements.

Abstract: Distributed ledger cores are disclosed.

Abstract: System and method to generate a unique security proof for secure accessing of data are disclosed. The method includes acquiring at least one image of a user's environment, analysing the at least one image for obtaining a first set of features, generating a unique security proof comprising a pair of keys, transmitting the unique security proof a key storage unit for storing the pair of keys, receiving at least one real-time image of the user's environment in real time, extracting a second set of features of the corresponding at least one real-time image, comparing the second set of features with the first set of features, determining one or more similarities between the second set of features and the first set of features, generating a confidence score, generating a notification for enabling the use of the pair of keys based on the confidence score generated for securely accessing of the data.

Abstract: Systems and/or methods of the present disclosure enable crypto-ledger interoperability using a controller to perform an operation between a first user and a second user on separate entity-specific distributed crypto-ledgers, where the separate entity-specific distributed crypto-ledgers are both operatively linked to a membered common distributed crypto-ledger. The controller burns a first quantity of first entity-specific crypto-tokens from the first entity-specific distributed crypto-ledger and mints a second quantity of the common crypto-tokens on the membered common distributed crypto-ledger, where the first quantity of first entity-specific crypto-tokens and the second quantity of the common crypto-tokens represent an equivalency.

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: Various corpora of content objects and other information sources beyond the corpora of content objects are processed to identify personally identifiable information (PII). PII that is associated with a named person is codified into a first portion of a graph-oriented data structure. Also, PII that is associated with an alias that might refer to a named person is codified into a second portion of the graph-oriented data structure. A determination is made that the alias that might refer to a named person is indeed an alias that is a coreference to the named person. Based on that determination then, since the first portion of the graph and the second portion of the graph refer to the same person, then the PII of the second portion of the graph can be deemed to be PII of the same person. PII in common and/or language processing can be used to establish coreferences.

Abstract: A mobile device and an article of manufacture as implemented in a mobile device having a lock screen wallpaper is described, where the mobile device maintains a profile storing authentication data associated with a primary user of a mobile device that is authorized to use the mobile device. When the mobile device is at a business location, the primary user is non-intrusively authenticated as an authorized user of the mobile device based on identifying presence of another electronic device (e.g., another mobile device) associated with the primary user. 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 primary user without unlocking the mobile device.

Abstract: A processing unit and a mobile identity information controlled financial account device may communicate. The processing unit receives at least one digital representation of a biometric, obtains identity information using the at least one digital representation of the biometric, and determines whether or not to transmit an authorization signal to the mobile identity information controlled financial account device that enables use of the mobile identity information controlled financial account device in at least one transaction involving at least one financial account. The mobile identity information controlled financial account device may be usable for the at least one transaction when the mobile identity information controlled financial account device receives the authorization signal.

Abstract: A system delivers access to remote resources and remote data across geographic regions through a parallel circuit that transfers data between components. The system includes a volatile memory and processors that read to and write to the volatile memory. A computer readable medium storing a program in a non-transitory media provides access to remote resources locally by processing requests received from different computer devices remote from the processors from a publicly accessible distributed network that is addressed by a single address. The system generates routing commands based on a content of a payload, a protocol used to deliver the data, and detections of data types. The system routes requests from different computer devices remote to the processors to intended devices based on the single device address. The different computers includes physical devices and endpoints that sever a plurality of entry points for accessing a cloud.

Abstract: Embodiments relate to transactions using image based MMS solutions over a communication device. In an embodiment, a method includes receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction. The method also includes transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates information included in the message content to the seller payment provider messaging endpoint identifier.

Abstract: A computer-implemented method for predicting interchange charges includes: retrieving a historical transactions set, where each completed transaction in the set includes transaction features, a bank identification number (BIN), and a corresponding true interchange code; transforming all BINs in the set into a corresponding plurality of BIN features that comprise probabilities; creating a first training set including all transaction features, all pluralities of BIN features, and all true interchange codes associated with the historical transactions set; training a random forest model using the first training set and generating a second training set including rounded BIN features, rounded transaction features, discrete ones of the transaction features, and the true interchange codes; training the random forest model using the second training set to generate a trained random forest model for prediction of the interchange codes; and executing the trained random forest model for new transactions to generate corres

Abstract: According to one embodiment of the invention, a subtoken corresponding to a primary token is generated. The primary token corresponds to a credential. The credential may be, for example, a primary account number (PAN) corresponding to a payment account. The subtoken may be a temporary, one-time use subtoken based on a primary token associated with the credential that allows a user to conduct a transaction from his or her account, while still providing security for the user's sensitive data. The subtoken may contain a header and an obfuscated portion. The header of the subtoken routes the subtoken to the entity issuing the subtoken for translation into the primary token. The obfuscated portion acts as a pointer to the primary token and data associated with the primary token. A same check digit may be included in the subtoken, the primary token, and the credential, in order to ensure that the transaction is not improperly denied.

Abstract: Aspects of the present disclosure relate to a network-based crowd assisted query system that includes a client device in communication with an application server executing the crowd assisted query system over a network. For example, the crowd assisted query system may be or include a group of one or more server machines. Users of the crowd assisted query system are presented with a graphical user interface (GUI) configured to receive queries that include data objects, wherein the data objects include representations of unidentified items of interest to the user. The data objects may include media content, such as graphical images as well as audio data, and in some example embodiments may further include text data describing the unidentified items.

Abstract: The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc.

Abstract: Mechanism to enable an Identity Provider having an authorization gateway and an authentication interface to control the download and the execution of an authentication script component managed by a broker or by a service provider.

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module

Abstract: A system that tracks the funding source of an amount of funds as the funds are transferred between various accounts or balances of various components of the system.

Abstract: A method of age and gender estimation, comprising receiving an input image, detecting a facial image within the input image, estimating a head pose based on a set of facial image intensities of the facial image, wherein the head pose is expressed as a yaw, a pitch and a roll, determining whether the yaw, the pitch and the roll of the head pose is less than a predetermined threshold, aligning the facial image if the yaw, the pitch and the roll of the head pose are less than the predetermined threshold and predicting an age and a gender of the aligned facial image.

Abstract: A conversational computing platform can manage transactions such as partial payments from consumers to merchants. More specifically, in transactions creating an amount due from a consumer to a merchant, a message may be transmitted to the consumer with an accounting of the amount due and an option for making partial payment. The message may further identify a payment method for the consumer on file with the platform, and ask the consumer to send a response with an approval/authentication code in order to disambiguate the response from a plurality of other messages and to initiate a partial payment. The platform can then provide an updating accounting to reflect the partial payment.

Abstract: The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc.

Abstract: The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc.

Abstract: A method comprising creating, by a computer-based system for shifting financial responsibility for a transaction from a merchant to a transaction account issuer, a digital wallet associated with a transaction account holder, wherein the digital wallet comprises one or more attributes associated with the transaction account holder, confirming, by the computer-based system, the attribute in response to a transaction request, and/or determining, by the computer-based system, whether to shift financial responsibility for the transaction from the merchant to the transaction account issuer.

Abstract: An emulated card selection method is implemented on a mobile device having a near field communication (NEC) NFC function. A first emulated card and a second emulated card are configured on the mobile device, When detecting an NFC radio frequency field, the mobile device detects whether there is fingerprint input. The mobile device selects the first emulated card if there is the fingerprint input. The mobile device selects the second emulated card if there is no fingerprint input. The mobile device performs NEC interaction with the NFC card reader based on the selected first emulated card or second emulated card. The mobile device can automatically select an emulated card in different emulated cards based on a card swiping status when a user uses an NEC emulated card.

Abstract: Disclosed herein are systems and methods for managing transaction disputes. Techniques include accessing a transaction pattern model associated with a user account; detecting deviation of a transaction from the transaction pattern model; transmitting, based on the detected deviation, transaction data to a user device; receiving an input at the user device in response to the transmitted data; generating, based on the received input, dispute data; storing the dispute data; monitoring data extracts associated with the user account; detecting, based on the monitoring, a data extract indicating a posted state of a transaction associated with the dispute data; and updating the dispute data based on the data extract indicating the posted state.

Abstract: Systems, devices, methods, instructions, and other implementations are described for network data management. One embodiment involves request data received at a device associated with a digital lockbox, where the request data includes identifying information for an originating device associated with a location and is associated with a user device. A unique token is generated with the identifying information. The unique token can be used to tokenize a network link to create a secure one-time link. The system transmits the one-time link, which can then be used to facilitate secure communications between a computing system associated with the originating device and the user device.

Abstract: The present disclosure provides a system constructed by connecting a mobile terminal and a service providing device, and a service providing method, wherein the service providing device and the mobile terminal are directly connected via an interface of the mobile terminal; the service providing device provides a service independently or through collaboration between the service providing device and various parties such as the mobile terminal and/or the background server based on the service information parsed and extracted the code information, identification information of any one or more parties among the user, the first mobile terminal, and the service providing device, and/or information bound to the identification information. Through active code scanning or passive code scanning or a combination of the two, the present disclosure may conveniently and quickly implement sensing access and effectively enhance security for operations such as mobile payment, etc.

Abstract: A method for interrogating an electronic identity card by a terminal with a claim covering an identity attribute of the holder of this card. The terminal obtains an identity token of the CNIe then selects in a HD wallet an issuer account associated to the identity attribute covered by the claim. Afterwards, it forms a transaction including as arguments the identity token and the path in the arborescence of the wallet leading to the issuer account, this transaction then being transmitted to a blockchain. Afterwards, it is verified by consensus that the terminal is habilitated to issue a claim covering an identity attribute, and that the issuing address of the transaction corresponds to the identity attribute on which the terminal is habilitated to issue a claim.

Abstract: The innovation discloses systems, methods and computer program products that reduce complexity and associated measures that are taken to ensure trust in secured transactions as necessitated by requirements present only in an ecommerce environment that do not have a parallel with traditional bricks and mortar commercial transactions. The innovation enables a multitude of mobile wallet applications to engage and obtain services from ecommerce applications wherein backend processing by a mobile wallet server obtains and delivers funds to ecommerce applications without sharing a subset of sensitive data, associated with a mobile wallet application user for the secured transactions. The innovation further provides for a wallet network to be initiated and engaged in which the secured transactions can take place, adopting and adapting social network application connectivity.

Abstract: A system described herein may receive an authentication request from a User Equipment (“UE”). The authentication request may include a particular identifier, such as an application group identifier. The system may determine whether a token is available (e.g., has been previously generated) for the UE and the particular identifier. If such token is not available, the system may initiate an authentication procedure that includes receiving input from the UE, and may generate the token, indicating that the authentication procedure has been completed. If the token is available, then the system may forgo initiating the authentication procedure. The system may output the token, such that a service provider system authenticates the UE based on the generated token and provides services to the UE based on authenticating the UE.

Abstract: In one embodiment, a method includes receiving a first network event corresponding to a first transaction, the first network event being assigned a unique transaction group identifier, authorizing the first transaction based on a balance value of a ledger account recorded in an account ledger, recording a first update in the account ledger, comprising recording the unique transaction group identifier in association with the first update and the ledger account and modifying the balance value of the ledger account, receiving a second network event corresponding to a second transaction, determining that a unique transaction group identifier assigned to the second network event matches the unique transaction group identifier associated with the first update and the ledger account, and recording a second update in the account ledger, comprising recording the unique transaction group identifier in association with the second update without modifying the balance value of the ledger account.

Abstract: Machine learning models for fraud detection. The method includes receiving a schedule of weights, the schedule comprising a plurality of entries, each entry comprising a transaction value weight, a transaction volume weight, and a range of intervention rates; testing the at least one machine learning model using a holdout data set, resulting in a ranked transactions data set; and evaluating the performance of the at least one machine learning model by computing the weighted harmonic mean of the ranked transactions data set using the schedule of weights.

Abstract: Provided herein is a computer-implemented method for provisioning a token to an appliance. The method includes registering an original account identifier to an appliance, wherein the original account identifier is not associated with any user, associating a device token to the original account identifier, wherein the device token is stored by the appliance, associating a user account identifier for a user to at least one of the device token and the original account identifier, receiving, from the appliance, a transaction request for a transaction, the transaction request including the device token, identifying the user account identifier based on the device token, determining that the transaction is authorized based at least partially on the user account identifier and the original account identifier registered to the at least one appliance, and in response to determining that the transaction is authorized, processing the transaction. A system and appliance are also disclosed.