Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive transaction information related to a point of sale deposit from a client device, and generate a pending deposit transaction based on the transaction information. The one or more processors may be further configured to execute the software instructions to receive a first transaction token from the client device, receive a second transaction token from a third-party device, match the first transaction token to the second transaction token, and complete the pending deposit transaction based on the match.

Abstract: A method of facilitating a transaction with a payment card of a cardholder. The method includes receiving a deceptive PIN comprising a set of characters in which one character is a deceptive character. The deceptive character is different than each of a set of actual characters of an actual PIN of the payment card. The method includes identifying the deceptive character and a position of the deceptive character among the set of characters of the deceptive PIN. The method includes determining a reconstructed PIN by replacing the deceptive character with a corresponding actual character at the position in the deceptive PIN. The actual character is determined based on a predefined mathematical expression and a predefined value for the predefined mathematical expression. The method includes authenticating the reconstructed PIN by matching the reconstructed PIN with the actual PIN. The method further includes facilitating the transaction upon successful authentication.

Abstract: A contactless delivery system is provided. The contactless delivery system includes a contactless card storing a cryptogram containing a unique identifier associated with a user account. After entry into a communication field, the contactless card is configured to transmit the cryptogram to a server. Upon receipt of the cryptogram, the server is configured to validate and decrypt the cryptogram, and extract the unique identifier. The server can query a database for an identity of the user account using the unique identifier, generate a digital signature based on the identity of the user account, and transmit a verification notification including the identity of the user account and the digital signature.

Abstract: An example operation includes one or more of capturing message content from messages between a sender and receiver which comprise information about a transfer of value from the sender to the receiver, detecting information about a compliance check within the message content which indicates whether the transfer of value complies with jurisdictional regulations, and recording the message content including the detected information about the compliance check via a blockchain.

Abstract: A method for facilitating the exchange of a stable cryptocurrency collateralized by government-issued debt. First granularity parameters are received through a first wallet interface of a first digital wallet. A first restricted use key is generated based upon the first granularity parameters and provided to an owner of a second digital wallet. A second restricted use key is generated based upon second granularity parameters received through a second wallet interface associated with the second digital wallet. Information from a blockchain wallet is accessed using the second restricted use key wherein the information relates to one or more of an ID classification and risk score of the second wallet owner at a level of detail determined by the second granularity parameters. An indication to proceed with a transaction between the first digital wallet and the second digital wallet may then be received through the first wallet interface.

Abstract: Embodiments described herein provide for a satellite device that can be associated with a user account of a minor aged (e.g., child or adolescent) user that does not have a smartphone that can be used as a companion device to the satellite device. The satellite device can be configured to be used as a primary device, without reliance upon a paired smartphone. Certain information can be synchronized with the satellite device via the association with the family account. During initial configuration, a set of cryptographic keys can be generated to associate the account of the satellite device with the set of accounts in the family. The satellite device can then access calendars, media, or other data that is shared with user accounts within a family of user accounts.

Abstract: The concept of a service layer message template is introduced, which may be a request template or a response template. Message templates may be created and stored at the service layer. Each message template may contain a set of request or response parameters and their values. Once in place, an application can send a request to the service layer that does not include the request parameters contained in the message template (i.e. request template); instead, a message template identifier may be sent. Since request parameters are included in the message template and stored at the service layer, communication overhead between the service layer and the application (or another service layer) may be reduced.

Abstract: A transaction chip can exchange information with a chip card during a payment transaction. The transaction chip can incorporate a processing unit, a memory device, a contact interface and power and communication circuitry. The transaction chip can acquire payment information from the chip card when the EMV chip of the chip card is interfaced with the power and communication circuitry of the transaction chip via the contact interface.

Abstract: Various methods, apparatuses, and media for implementing a fraud machine learning model execution module are provided. A processor generates a plurality of machine learning models. The processor generates historical aggregate data based on prior transaction activities of a customer from a plurality of databases for transactions. The processor also tracks activities of the customer during a new transaction authorization process and generates a transaction data; integrates the transaction data with the historical aggregate data; executes each of said machine learning models using the integrated transaction data and the historical aggregate data to generate a fraud score and stores the fraud score into the memory; and determines whether the new transaction is fraudulent based on the generated fraud score.

Abstract: A computer implemented method, in a transaction processing server, of initiating a transaction, is disclosed. The method comprises: receiving, from a server associated with a merchant, an indication of a pending transaction between the merchant and a consumer; receiving, from a missed call processing server, an indication of a missed call made by the consumer, the indication of the missed call made by the consumer comprising an indication of a telephone number associated with the consumer; identifying the missed call made by the consumer with the pending transaction between the merchant and the consumer; looking up, in a consumer account database, an account associated with the consumer using the telephone number associated with the consumer; and generating a transaction authorization request for a transaction between the account associated with the consumer and an account associated with the merchant.

Abstract: A wireless power receiver includes a power pickup configured to receive a wireless power from a wireless power transmitter, and a communicator/controller configured to control the wireless power. The wireless power receiver transmits, to the wireless power transmitter during a configuration phase, a configuration packet including an AI flag related to whether the wireless power receiver supports an authentication function, receives, from the wireless power transmitter during a negotiation phase, a capability packet including an AR flag and a potential power value of the wireless power transmitter, wherein the AR flag is related to whether the wireless power transmitter supports the authentication function, and performs a power transfer phase with the wireless power transmitter.

Abstract: The present disclosure relates generally to 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: 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: Secure authentication and delayed transaction processing for booking management systems is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system can maintain and process authentication information associated with traveler payment cards, and provide virtual payment information to the third-party services for delayed transactions. The third-party services may later initiate the delayed transactions using the virtual payment information, without being required to perform authentication processing on the traveler payment card information maintained by the booking management system.

Abstract: Methods, systems, and apparatuses for correlating electronic communications related to financial transactions. A computing device may receive a first communication related to an update to a past financial transaction. The computing device may identify a second communication by querying, based on the first communication, a communications database. The first communication and second communication may be correlated using one or more natural language processing algorithms. Based on correlating the first communication and second communication, the computing device may identify a portion of the second communication corresponding to the at least one good or service of the past financial transaction by processing, using the one or more natural language processing algorithms, the second communication. The computing device may then cause output of data indicating a correlation between the first communication and the second communication, and the indication of the change to the at least one good or service.

Abstract: Methods and systems are described. A method includes accessing training data samples that includes a plurality of transaction laundering associated features and generating random samples, training a first plurality of different models to identify transaction laundering merchants based on random samples generated from each of the training data samples, training a second plurality of different models to identify the transaction laundering merchants based on the training data, generating a transaction laundering classification for a merchant from each of the first plurality of models and each of the second plurality of models, generating a first model group classification based on a first majority vote on transaction laundering classifications from the first plurality of models, and generating a second model group classification based on a second majority vote on transaction laundering classifications from the second plurality of models. A likelihood that the merchant is a transaction launderer is determined.

Abstract: Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UI”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.

Abstract: Secure authentication and delayed transaction processing for booking management systems is provided. Third-party services partner with booking management systems to aggregate and list offerings of the third-party services in a digestible display on a one-stop platform. A booking management system can manage the authentication of payment card information on behalf of any number of such third-party services. The booking management system can maintain and process authentication information associated with traveler payment cards, and provide virtual payment information to the third-party services for delayed transactions. The third-party services may later initiate the delayed transactions using the virtual payment information, without being required to perform authentication processing on the traveler payment card information maintained by the booking management system.

Abstract: Disclosed is an example approach in which network and non-network features are used to train a predictive machine learning model that is implemented to predict financial crime and fraud. Graphical network features may be generated by applying financial entity risk vectors to a network model with representations of various types of networks. The network model may comprise transactional, non-social, and/or social networks, with edges corresponding to linkages that may be weighted according to various characteristics (such as frequency, amount, type, recency, etc.). The graphical network features may be fed to the predictive model to generate a likelihood and/or prediction with respect to a financial crime. A perceptible alert is generated on one or more computing devices if a financial crime is predicted or deemed sufficiently likely. The alert may identify a subset of the set of financial entities involved in the financial crime and present graphical representations of networks and linkages.

Abstract: Systems and methods for predicting and making payments via preferred payment methods include determining an amount that a payer owes a payee, predicting a preferred funds transfer method of the payee, providing a notification to a payee device associated with the payee, receiving a user input from the payee device indicating an agreement with the preferred funds transfer method, and initiating, in response to the user input, a funds transfer from a source account of the payer to the payee. Predicting a preferred funds transfer method of the payee can include performing data analytics on at least one data source associated with the payee, such as a smart digital wallet, a social network account, a smart appliance, a financial account, a financial transaction, a shopping list, and a geographic location, etc. In some embodiments, predicting a preferred funds transfer method of the payee includes rerouting the payment to downstream payees.

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: Disclosed herein are system, method, and computer program product embodiments for providing recommendations for splitting bills. The approaches disclosed include the ability to obtain information about a bill to be split (such as a photo of the bill), and then use several machine learning models to determine the ‘who,’ ‘what,’ and ‘where’ of the underlying transaction. In particular, machine learning models described herein are used to perform facial recognition of a ‘selfie’ taken when a transaction was made against social media accounts to determine participants of the transaction. The machine learning models may also identify expected pricing from data about a merchant associated with the transaction, and expected amounts for each participant based on the expected pricing.

Abstract: A method for distributing network services for a network device through a multi-tenant network service. An identification parameter is associated with the device and is stored in a database by an orders management system after the device is ordered. The method includes establishing a network connection between a network device and a multi-tenant network service and, in response to establishing the network connection, obtaining device-associated identification parameter from the network device. The identification parameter is used to query the database for at least one record associated with the network device identifying a tenant of the multi-tenant network service in which the tenant corresponds to the device. The service maps the network device to the identified tenant of the multi-tenant network service and distributes network services based upon the mapping of the network device to the identified tenant.

Abstract: Embodiments of a system and method are described for generating a finance attribute. In one embodiment, the systems and methods retrieve raw tradeline data from a plurality of credit bureaus, retrieve industry code data related to each of the plurality of credit bureaus, determine one or more tradeline leveling characteristics that meet at least one pre-determined threshold, and generate a finance attribute using the selected leveling characteristics.

Abstract: Using position location information to pre-populate and verify information on a credit application is disclosed. A mobile application for a retailer is downloaded to a mobile device. The mobile application on the mobile device obtains authorization to access location information on the mobile device. Location information for the mobile device is received at a computer system and from the mobile device, the location information generated by a positioning system on the mobile device, the location information comprising: historic location information stored in a memory of the mobile device and real-time location information. The location information is used to prefill at least a portion of a credit application.

Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.

Abstract: Systems and methods for detecting digital abuse or digital fraud that involves malicious account testing includes implementing a machine learning threat model that predicts malicious account testing using misappropriate accounts, wherein a subset of a plurality of learnable variables of an algorithmic structure of the machine learning threat model includes one or more learnable variables derived based on feature data indicative of malicious account testing; wherein implementing the machine learning threat model includes: (i) identifying event data from an online event that is suspected to involve digital fraud or digital abuse, (ii) extracting adverse feature data from the event data that map to the one or more learnable variables of the subset, and (iii) providing the adverse feature data as model input to the machine learning threat model; and computing, using the machine learning threat model, a threat prediction indicating a probability that the online event involves malicious account testing.

Abstract: A system may identify a purchase transaction request from a merchant application and generate an in-app payment cryptogram for the purchase transaction request based on a limited use payment credential (LUPC). The in-app payment cryptogram may be provided to the merchant application. The merchant application may transmit the in-app payment cryptogram to a merchant computing device. A request may be received from a payment network to update the LUPC. A security library may be executed to determine that the client device is secure. The execution of the security library may generate a device attestation response, and the device attestation response is transmitted to the payment network. An updated LUPC may be received from the payment network.

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: Systems and methods for facilitating real-time integration of use of promotional offers such as coupons, coupon codes, gift cards, and the like into a customer relationship management system and/or process. Users such as brands, companies, retailers, etc. issue and send promotional offers to a consumer as a part of a customer relationship management process, and systems for implementing such methods are provided; computer systems may be managed by a single entity or in distributed computing environments wherein aspects of methods are implemented by disparate parties. In a customer relationship management process, such as using software for customer relationship management, the user can directly issue individualized promotions via a direct communication. The individualized promotions are limited to a one-time use and are serialized in a way that facilitates tracking of redemption of the promotions. Offers are traced in real time and are readily directed to individual desired consumers.

Abstract: With respect to a package delivery system configured to optimize efficiencies associated with package delivery, a server computing device may monitor locations and conditions associated with a fleet of vehicles. A vehicle including a first delivery person may be dispatched with packages for delivery. The server computing device may provide updated delivery routes based on traffic and/or other conditions in the environment. At the completion of a work shift associated with the first delivery person, the vehicle may be parked at a location proximate the delivery route. The server computing device may dispatch a second delivery person to the location. Based on an indication that the second delivery person is proximate the vehicle, the server computing device may cause a user interface to surface on a computing device of the second delivery person, enabling the second delivery person to unlock the vehicle and continue delivering the packages.

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: When a user attempts to execute a procedure for transfer or the like from an app, user authentication is first required by a PIN code or the like. When the user authentication is successful, function limitation of an IC chip is released and a mode in which a function provided by the IC chip can be used is set. The app encrypts a procedure message describing procedure content with a private key using the function of the IC chip and creates electronic signature. The electronic signature and the procedure message are transmitted to a server of an online service via an intermediate server. The server executes a procedure of transfer or the like in accordance with the content of the procedure message.

Abstract: Distributed ledger cores are disclosed.

Abstract: Tables and techniques to configure the same are provided. In some embodiments, configuration of one or more memory devices can permit or otherwise facilitate including transaction records in a table or another type of data structure, where the transaction records can be organized based at least on a defined location for a merchant or another type of organization associated with the transaction records.

Abstract: A system, a method, and a program for providing a virtual code, a virtual code generating device, and a virtual code verifying device are provided. The method includes receiving, by a virtual code verifying means, a virtual code from a virtual code generating means, extracting, by the virtual code verifying means, a plurality of detailed codes included in the virtual code, and searching for, by the virtual code verifying means, a storage location of a real code based on the plurality of detailed codes.

Abstract: This computerized system can include a computer system in communication with an immutable storage; a first data capture device and a second data capture device can be in communications with the computer system; a set of computer readable instructions can be included in the computer system configured for receiving a first event record including a first location, a first time and a first set of metadata wherein the first set of metadata includes an original digital representation captured by the first data capture device of the physical object, receiving a subsequent event record from the second data capture device and, determining if the original digital representation is equivalent to the subsequent digital representation thereby providing for verification that the same physical object transitioned from an originating event to a subsequent event.

Abstract: A biometric verification system is disclosed. The system includes a portable device which stores a biometric reference template and authentication preferences, The portable device can be used with an access device. The access device can prompt the user for a biometric sample, The access device may create a biometric sample template from the biometric sample, and the biometric sample template can be compared to the biometric reference template to determine if a user is authentic.

Abstract: An Autonomous Exchange via Entrusted Ledger (AXEL) blockchain enables users to perform transactions in private while enabling the transaction records thereof to be verified by other network users without publicly divulging the contents or details of the transaction records. Internal addressing provides for separation of control within the wallet by making a portion of the wallet inaccessible to the blockchain, allowing increased security for tokens being managed by the wallet. The ability to configure restrictions placed on sending and receiving wallet addresses, and to create multiple public keys, provide further security measures.

Abstract: Embodiments of the disclosure are directed to methods, systems, and devices for the use of portable devices, such as a vehicle driven by a user, that are distinctive physical objects and can be presented to an authentication system for authentication purposes. More specifically, the portable device may be used as a source of information for the authentication system that can be verified. Images may be captured of the portable devices in order to determine their distinctive features for comparison to other physical objects registered to the user. The portable devices may also be a source of metadata, or additional contextual information associated with those portable devices or their interaction with the authentication system. The image data and/or the metadata associated with a portable device can be verified for fraud or risk analysis.

Abstract: A transport service system receives a ride request from a user device of the transport service, the ride request specifying information about a trip and selecting a direct dispatch pairing mode. The transport service system receives from the user device an input animation, the input animation acquired by the user device from a driver device. In one embodiment the input animation is a sequence of flashing colors. Based on the input animation, the transport service system identifies the driver device and transmits the received ride request to the identified driver device. The transport service system receives an acceptance from the driver device and pairs the driver device and the user device for the ride.

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: Various embodiments provide for tag-based application of a masking policy, which can be used in connection with a data platform. In particular, various embodiments enable enforcement of one or more masking policies against an entity (e.g., object) of a data platform, such as a database, a table, a row, or a column, based on one or more tags associated with the entity.

Abstract: In one aspect, a fault intercepting computing device is provided. The fault intercepting computing devices receives a request message including an outdated key value from a client computing device, retrieves an updated key value from a key mapping database, generates a remapped request based on the request message by replacing the outdated key value with the updated key value in the request message, and transmits the remapped request to a host computing device. The fault intercepting computing device further receives an initial response from the host computing device including the updated key value, generates a surrogate response based on the initial response by replacing the updated key value with the outdated key value, appends a key remapped flag to the surrogate response, transmits the surrogate response, including the outdated key value to the client computing device.

Abstract: This specification describes techniques for blockchain-based smart contract call. One example method includes receiving a target transaction initiated by a client device of a blockchain, wherein the target transaction is preconfigured for a call rule used to initiate a call for a smart contract; obtaining the call rule preconfigured for the target transaction; executing the call rule to initiate a call for a target smart contract; and providing a call result to the client device when the call for the target smart contract is completed.

Abstract: A method for acceptance of blockchain payment at a traditional point of sale device direct to a merchant includes: receiving an authorization request for a fiat payment transaction including a transaction account number, transaction amount, and merchant identifier; identifying blockchain payment acceptance for a transaction account associated with the transaction account number; transmitting an address request to an exchange server including the merchant identifier; receiving a destination address associated with the merchant identifier for a blockchain network from the exchange server; transmitting a new blockchain transaction to a blockchain node in the blockchain network including the destination address and a cryptocurrency amount based on the transaction amount; and transmitting an authorization response for the fiat payment transaction to a payment network for routing to a point of sale device, the authorization response including an indication that clearance and settlement of the fiat payment transacti

Abstract: Techniques are disclosed relating to determining a risk score for domains associated with a transaction. In some embodiments, a transaction computer system receives transaction details for a transaction between a consumer and a merchant, where the transaction details are received from the merchant real-time with the transaction and include a set of transaction URLs for subsequent use in the transaction. The computer system may receive, from a browser of the consumer that is used to initiate the transaction, URL referrer information real-time with the transaction, where the URL referrer information indicates a referring web page to the transaction computer system. The computer system may determine, using the set of transaction URLs and the URL referrer information, a set of domains for the transaction and then determine a risk score for the set of domains. The computer system may determine, based on the risk score, whether to allow the transaction.

Abstract: Concepts and technologies are disclosed herein for providing a transaction validation service. A device can receive a request to validate a transaction requested by a user device, where the transaction can be performed by an application and where the request to validate the transaction can be obtained with a first hash that is created by the user device. The first hash can include a hash of transaction data that is hashed using data stored on the user device. The device can receive an indication that the transaction has been approved, obtain a second hash of the transaction data that is hashed using the data stored on the user device, and determine, based on the first hash and the second hash, whether the transaction should be allowed or blocked.

Abstract: The present disclosure relates to user authentication using a contactless payment instrument. The contactless payment instrument includes a contactless chip and a gesture control module. The user makes one or more gestures at an access device during a card-present transaction scenario and the gestures are validated and the authentication status is determined by matching the gesture made by the user at the time of the transaction with one or more predefined gestures. If the authentication is successful, the payment instrument transmits the payment information required for conducting the transaction.

Abstract: Systems and methods are provided for minting payment loan tokens to conduct digital loan transactions within a blockchain-based digital loan payment network. The payment loan tokens are pegged to fiat currency or digital currency. The computing system is a node in the blockchain-based digital loan payment network. A number of payment loan tokens to be provided to a borrower can be determined based on a digital loan transaction. The borrower is a network participant associated with the blockchain-based digital loan payment network. The number of payment loan tokens can be provided for deposit in a digital wallet associated with the borrower based on the digital loan transaction. Payees that receive payment loan tokens from the borrower can redeem the payment loan tokens as fiat or digital currency. A data record that represents the digital loan transaction can be generated. The data record is posted to a blockchain associated with the blockchain-based digital loan payment network.