Abstract: The present disclosure relates generally to a system that utilizes a primary or central gaming establishment account to accumulate funds from one or more secondary or peripheral gaming establishment accounts and escrow such funds prior to use.

Abstract: Disclosed are a payment service apparatus for providing product information to an offline merchant on the basis of location information and supporting payment processing based on a virtual currency and an operating method thereof.

Abstract: Systems and methods for identifying malicious digital wallet devices are provided. Exemplary embodiments may establish communication with a user device associated with a digital wallet application and determine a unique device identifier for the device. Risk data may then be obtained from one or more fraudulent activity databases and associated with the device identifier. The user device may then be identified as a malicious or non-malicious device based on a device score generated based on the risk data. Devices identified as malicious may then have their unique device identifier stored on a malicious device database.

Abstract: Described herein is a system for automatically reissuing a prepaid device for an expired account upon detecting a funding event associated with the expired account. An account may be expired upon determining that one or more expiration conditions have been met. An event handler may be configured to receive events. Upon identifying a funding event associated with an expired account, the event handler may initiate a reissuance process for a prepaid device associated with the account.

Abstract: Disclosed are computer-implemented methods, non-transitory computer-readable media, and systems for managing transactions in blockchain networks.

Abstract: There are provided systems and methods for automatic synchronization of a device for transaction processing based on geo-fenced locations. A merchant may geo-fence an area corresponding to the merchant's location where a user may visit to purchase an item. The merchant may provide multiple transaction processing and payment options at the merchant location, including payment applications with a mobile communication device. A payment provider may detect the location of the user and determine that the user's location matches the merchant's location through the geo-fenced area for the merchant. The payment provider may then configure a payment process for the user to utilize at the merchant location using payment mechanisms accepted at the merchant location. Where multiple merchants are located nearby, the payment provider may utilize additional known information for the user to select the most likely merchant for the user.

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: A system and associated methods for authenticating an at least one tangible product are disclosed. In at least one embodiment, upon a user desiring to authenticate a given product via a user application on a user device, an authentication request is initiated with an authentication device attached to the product. A device variable count on the authentication device is incremented based on an underlying algorithm, and the authentication device generates a data set containing at least one of a unique device identifier, a unique device key and the device variable count. The authentication device provides the data set and the device identifier to the user application, which then transmits the data to an authentication server. If the authentication server locates the device identifier in an authentication table, and subsequently processes the data set successfully, the authentication server obtains from the authentication table a server variable count associated with the device identifier.

Abstract: Techniques are described for managing devices, such as Internet of Things (IoT) devices, using smart contract(s) on a distributed ledger (e.g., blockchain). Smart contract(s) executing on a distributed ledger may control access to one or more devices in a home or other environment. The smart contract(s) may employ information stored on the distributed ledger and information in a transaction sent to the smart contract(s) to determine whether particular user(s) and/or process(es) may access the device(s), issue commands to the device(s), access data generated by the device(s), and/or control the device(s). The smart contract(s) may provide a secure portal through which user(s) and/or service(s) may access device(s) for command and control of such device(s), and secure access may be based on permission information that is specified or provided by an owner or operator of the device(s) and that is stored on the distributed ledger.

Abstract: The present disclosure generally relates to systems and methods for processing recurring payment transactions. In various embodiments, the system receives details of the set of recurring payment transactions and stores the details in a recurring transaction details table. The system generates a virtual payment instrument and associates it with the consumer's payment instrument. The system transmits the virtual payment instrument to the consumer. The system then generates a set of payment tokens for the set of recurring transactions and links the tokens to the virtual payment instrument. Each token is associated with a discrete recurring period. The system encodes each token with a sequence of values and stores the tokens in the recurring payment token table. The system receives a recurring transaction request that includes the virtual payment instrument. The system validates the request against a token associated with the recurring period, processes the transaction, and deletes the token.

Abstract: Methods and systems are provided for a contextual authentication of an electronic wallet (e-wallet). An example apparatus includes a wallet application configured to confirm a context for use of an e-wallet, wherein the context is defined by a multifactor authentication (MFA) policy. A multifactor authentication application is configured to access a context sensor to provide input to the wallet application for the MFA policy.

Abstract: An electronic device displays a media capture user interface that includes a media capture preview of objects in a field of view of the camera. While displaying the media capture user interface, the electronic device scans the field of view of the camera for data encoded in an optical machine-readable format. In accordance with a determination that the field of view of the camera includes data encoded in the optical machine-readable format that meets respective notification criteria, the electronic device displays a notification that indicates that the camera application has detected data encoded in the optical machine-readable format. In accordance with a determination that the field of view of the camera does not include data encoded in the optical machine-readable format that meets the respective notification criteria, the electronic device maintains display of the media capture user interface of the camera application without displaying the notification.

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 method of performing block generation may include receiving a request from one or more sources that includes task data associated with one or more tasks for an economy, context information, and an indication of a blockchain of a blockchain matrix to which the task data pertains. The method includes determining whether the task data corresponds to a qualifying transaction for the economy for recording in the blockchain and, if so, determining whether to approve recordation of the qualifying transaction to the blockchain. In response to approving recordation of the transaction, generating a new block for the blockchain that includes the qualifying transaction, and adding the new block to the blockchain.

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

Abstract: A computer-implemented method and device for secure checkout in a retail environment such as at a point of sale location in a store. Each of a customer and a sales associate at the point of sale operate respective mobile communication devices that are equipped to exchange signals and receive the same from one another. The sales associate device sends, inter alia, a physical signal causing the customer device to link to a payment application and server, which is followed by a sequence of authentication steps enabled by a physical authentication unit on the customer's device to ensure and confirm authenticated secure transactions.

Abstract: The present invention includes systems and method for generating Virtual IDs (VIDs) and corresponding Virtual ID Chains (VICs) to anonymize and represent transactions between users, data sources, Virtual ID Management Platforms (VMP), and Third-Party Service Providers (TSPs). VIDs of embodiments are virtualized identifiers that may be used to anonymously and uniquely identify transaction participants. VIDs may be generated in a distributed manner as a party receiving transaction-related information generates a VID corresponding to the sending party. VICs of embodiments are virtualized arrays of VIDs that represent the sequence of interactions between parties to a transaction. VICs are preferably stored in association with transaction logs descriptive of the transaction represented by each VIC to facilitate subsequent processing. A VIC may be iteratively resolved to obtain one or more non-virtualized identifier corresponding to transaction participants represented by the VIC.

Abstract: The disclosure relates to a method (100) for assessing user authorization, the method comprising: receiving (110), via a data communication network (330), a request from a user device (300) for an access; generating (120), based on data associated with the request, a risk score indicating a risk that the request was sent by a non-authorized user, wherein the risk score indicates a high risk, a medium risk, or a low risk that the user (400) is a non-authorized user; and signaling (130), via the data communication network (330), the user device (300) a need for further information to enable a decision about the authorization of the user (400), if the risk score indicates medium risk. A further aspect relates to a method (200) for user authorization and to an electronic device (300).

Abstract: A system and method for providing anonymous validation of a query among a plurality of nodes in a network: receives at a support node a query from a requester node; wherein the query comprises a one-way function representation of at least one data point of information of the requester node; receives at the support server, from at least one validator node, a one-way function representation of at least one data point of information of the validator node; compares by the support server the query from the requestor node with the one-way function representation of the at least one data point of information; determines by an aggregator server, based on the comparison, whether the at least one data point of information of the requester node matches the at least one data point of information of the at least one validator node; and outputs a match result to the requestor node.

Abstract: A method and an apparatus for identifying terminals. The method includes: sending by an NFC card reader of the identifying terminal, a preset instruction to an NFC chip of a terminal to be identified packaged in a packaging box, to switch on the terminal to be identified in a compartment; obtaining identification information corresponding to the terminal to be identified; obtaining location information of the identifying terminal; transmitting the location information and the identification information of the terminal to be identified to a verification server; and obtaining and outputting the identification result sent by the verification server.

Abstract: The present disclosure provides a sound collection device that collects a sound while suppressing noise. The sound collection device includes: a storage that stores first data indicating a feature amount of an image of an object indicating a noise source or a target sound source; and a control circuit that specifies a direction of the noise source by performing a first collation of collating image data generated by a camera with the first data, and performs signal processing on an acoustic signal outputted from a microphone array so as to suppress a sound arriving from the specified direction of the noise source.

Abstract: A method for performing secure, verifiable, offline blockchain transactions through a trusted execution environment and time-limited credentials includes: storing, in a trusted execution environment of a computing device, a cryptographic key pair comprised of a public key and a private key; transmitting, by a transmitter of the computing device, the public key to a gateway device in a blockchain network; receiving, by a receiver of the computing device, a time-limited credential from the gateway device; generating, by a processing device of the computing device, a blockchain data value, wherein the blockchain data value includes at least the time-limited credential, a transaction amount, and a destination address; digitally signing, by the trusted execution environment of the computing device, the generated blockchain data value using the private key; and transmitting, by the transmitter of the computing device, the signed blockchain data value to an external device.

Abstract: Disclosed herein are system, method, and device embodiments for implementing location identification in multi-factor authentication (MFA). In an example embodiment, a user service may present a geographic map based on a MFA process, and receive an authentication attempt including a geographic indicator and interaction information. Further, the system may determine whether the authentication attempt was made by a human based at least in part on the interaction information, determine whether the geographic indicator matches an expected response, and send, to an electronic device, an authentication result indicating whether geographic information was determined to be selected by a human and the geographic indicator was determined to match the expected response.

Abstract: The present invention is related to a computer implemented method for validating a voucher in an electronic voucher system, the electronic voucher system comprising a voucher holder application, an attestation application, a voucher issuer application an issuer server application, a voucher collector application, a smart contract system or SCS. An electronic voucher system, a computer program product and a computer-readable storage medium for carrying out the steps of the method is also described.

Abstract: A method for identifying a risk pertaining to a transaction to be processed, includes: identifying a risk pertaining to a transaction to be processed via a fast identification layer in a risk control system, thereby obtaining a first identification result; identifying a risk of interference pertaining to the transaction to be processed via a model for identifying transactions susceptible to interference, thereby obtaining a second identification result; and determining a processing manner for the transaction to be processed based on the first identification result and the second identification result, the processing manner including releasing the transaction to be processed, or further identifying the risk pertaining to the transaction to be processed via the in-depth identification layer in the risk control system.

Abstract: Technologies are generally described for context sensitive display of final delivery information on a consumable delivery vehicle with enroute preparation. A controller may manage fulfillment of orders while the vehicle is enroute by controlling an operation of one or more on-board preparation equipment. The controller may also receive order status information and travel information associated with final delivery destinations. Once the vehicle is at its destination to be used as a hub for final deliveries, one or more displays on the vehicle may display final delivery information to final delivery people based on the status information and the travel information.

Abstract: Embodiments of the present disclosure provide a service processing method, apparatus, and system. The method may include: receiving, by a processing server, biological feature information of a user and service settlement information generated according to a service behavior of the user that are sent by a service device. The processing server searches for account information bounded with the biological feature information; performs payment processing on the account information according to the service settlement information, to obtain a processing result; and sends the processing result to the service device and a terminal.

Abstract: Detecting and controlling fraud in centralized processing is provided. A system receives data packets carrying electronic transactions, and clusters the electronic transactions based on an intermediary identifier of each of the electronic transactions to identify a first cluster and a second cluster. The system generates a first model for the first cluster and a second model for the second cluster. The system detects a fraudulent electronic transaction having a first source identifier. The system locks a first data structure to prevent transfer of a first resource in electronic transactions associated with the first source identifier. The system identifies source identifiers associated with the first cluster in a first tier. The system locks absent detection of the fraudulent electronic transaction in one or more electronic transaction associated with the source identifiers, the data structure corresponding to each of the source identifiers in the first cluster.

Abstract: Techniques are provided for intelligent routing to a node in a network, such as a transport computer. A gateway server may receive authorization requests from a resource provider computer. There may be multiple potential transport computers to which to potentially route the authorization requests, depending on relationships established between the parties. A routing decision may be made automatically based on real-time network measurements and/or static rules. Real-time network measurements may be obtained by monitoring transport computers for failures, delays, or other undesirable activity. The routing decisions may further be based on expected volumes (e.g., based on analysis of historical spikes in volume). The routing decisions may further be based on user-configured rules and preferences, received via a routing administration interface.

Abstract: A computer-based method for identifying a user computing device used in a fraudulent transaction is provided. The method includes receiving device data associated with the user computing device during a first payment transaction initiated from the user computing device, wherein the device data is capable of uniquely identifying the user computing device. The method further includes storing the device data within the at least one memory device, and receiving an indication that the first payment transaction initiated from the user computing device was fraudulent. The method further includes assigning a risk factor to the user computing device, and transmitting the risk factor to a merchant, wherein the merchant uses the risk factor to determine whether to process a resale transaction initiated from the user computing device wherein the resale transaction is associated with a resale of goods acquired in association with the first payment transaction.

Abstract: A transaction card receives sound waves that represent a user command, where the user command identifies one or more transaction restrictions of the transaction card. The transaction card converts the sound waves to a digital signal and identifies, based on an analysis of the digital signal, user command data that identifies the user command. The transaction card sets, based on identifying the user command data, one or more transaction restriction values for the one or more transaction restrictions. The transaction card receives transaction metadata associated with a transaction and determines whether the transaction is compliant with the one or more transaction restrictions. The transaction card causes, based on determining whether the transaction is compliant with the one or more transaction restrictions, the transaction to be processed by a server device, or to be declined.

Abstract: The invention provides methods, systems and computer programs for dual layer identity based access control implemented within systems that implement a micro-service architecture. The invention involves (i) receiving at a first resource server (a) a request for a first processor implemented service, (b) a primary access token generated by the primary identity authentication server, and (c) validation information corresponding to the primary access token that is transmitted by the primary identity authentication server, (iv) responsive confirming validity of the primary access token, transmitting to a secondary identity authentication server, a request for generation of a secondary access token, (v) receiving the secondary access token at the first resource server, and (vi) transmitting to a second resource server within the server system, a request for a second processor implemented service implemented by said second resource server.

Abstract: Disclosed are various embodiments for user interfaces that differentiate payment instruments having a trusted beneficiary. It is determined that a payee entity has been designated as a trusted beneficiary for a particular payment instrument issued by a particular payment issuer. A user interface is generated that facilitates a user selection of one of a plurality of payment instruments associated with a user account. The plurality of payment instruments include the particular payment instrument. The user interface differentiates the particular payment instrument based at least in part the payee entity being designated as the trusted beneficiary for the particular payment instrument.

Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.

Abstract: A computer implemented system and method for facilitating a consumer's purchase transaction via a merchant's foreign website utilizes a stored value card transformation computer to convert a stored value card to a different denomination for utilization in another country. An exchange computer retrieves a value rate to calculate the currency different and a time-limited quote is generated which may be transformed into active stored credit in the selected denomination.

Abstract: Methods and systems for performing a pre-staged transaction, such as a cash withdrawal by a user or a user's surrogate, employ a host server that receives pre-staged ATM transaction data via a first communication channel from a user's mobile device and sends a first unique authentication token via a second communication channel to the user's mobile device processor. An ATM processor receives entry of a pre-staged ATM transaction request and the first unique authentication token and sends the entered pre-staged ATM transaction request and first unique authentication token to the host server for validation, which validates the received pre-staged ATM transaction input data and the entered first unique authentication token.

Abstract: Various examples for providing an enrollment barcode to a staging client are provided. Enrollment data can be provided to a barcode service, which generates an enrollment barcode. Interpreting the enrollment barcode by a client device causes a management component installed on the client device to authenticate to a management service using a staging credential encrypted or secured in the enrollment barcode, and causes the enrollment of the client device with the management service.

Abstract: A method includes receiving a request to verify a dynamic security code included in a transaction authorization request message. The transaction authorization request message was generated in connection with a payment account transaction. The method further includes performing a verification process with respect to the dynamic security code to generate a verification result. In addition, the transaction authorization request message may be modified by adding the verification result to the transaction authorization request message. Also, the modified transaction authorization request message may be transmitted to an issuer of a payment account designated for use in the payment account transaction.

Abstract: A zero-step authentication system and method which uses wireless mobile devices to automatically make payments in a secure manner without requiring the customer to handle his or her mobile device. The system and method use a payment facilitation device at the business location which automatically detects and recognizes registered mobile devices, displays a photo of the customer to a business employee for identity confirmation, and automatically deducts payments for purchases from a pre-authorized customer account. The customer account is managed by a payment processing server, which stores the customer account data, makes appropriate deductions, sends confirmation of deductions to the customer's mobile device, and automatically refills the customer's account by making pre-authorized charges to the customer's banking institution.

Abstract: Embodiments of the inventive concept described herein relate to a virtual card number-based financial transaction apparatus, a virtual card number-based financial transaction providing method, and a virtual card number-based financial transaction providing program, and more particularly, relate to an apparatus, method, and program that may provide a user with an electronic wallet service in an environment where an infrastructure of a financial transaction service is not established.

Abstract: A payment card system for authorization and authentication is provided. A computing device monitors one or more transactions to detect various security threats comprising one or more accounts. A computing device determines to elevate a security level associated, at least, with one account based, at least, in part, on detection of, at least, one security threat. A computing device generates at least one temporary personal identification number based, at least, on determination to elevate a security level associated, at least, with one account.

Abstract: A method includes receiving, by a payment provide server of a payment provider from a point-of-sale (POS) device associated with a first merchant at a merchant location, a checkout request for a first user to purchase one or more items sold by the first merchant. The method further includes accessing an account of the first user with the payment provider based on authentication information included in the checkout request and identifying a previously stored payment token that is associated with the account of the first user, the previously stored payment token indicating one or more additional items for potential purchase. Further, the method includes in response to the identifying, transmitting instructions to the POS device that cause the POS device to display a request for the first user to add at least one of the one or more additional items for potential purchase for checkout at the merchant location.

Abstract: Embodiments include multi-function electronic payment card and device systems capable of generating a programmed magnetic field of alternating polarity based on a speed of a card swipe, and methods for constructing the device for the purpose of emulating a standard credit card. An apparatus is described to allow the device to emulate behavior of a credit card when used in electronic credit card readers. Additionally methods are described to allow user control of the device for the purpose of authorizing or controlling use of the device in the application of credit, debit and cash transactions, including cryptocurrency and card-to-card transactions. Methods are also described for generating a limited-duration credit card number when performing a transaction for the purpose of creating a limited-use credit card number, which is limited in scope of use to a predetermined number of authorized transactions.

Abstract: The present disclosure relates to knowledge based authentication whereby a user is authenticated through third-party linked accounts. The method includes receiving an authentication request from a merchant computer, assessing one or more data fields to generate an authentication challenge for the user, connecting to one or more third-party account service provider to extract user-related data, generating the authentication challenge based on the extracted user-related data from the third-party account service provider, posing the authentication challenge to the user on a user device, receiving a response to the authentication challenge, and returning the authentication response to the merchant.

Abstract: An account holder's portfolio of transactions may be represented as a network of interconnected transaction nodes where each node represents a credit card transaction. This network may then be analyzed using artificial intelligence and machine learning techniques coupled with visual representations of the interrelated nodes to draw conclusions. An account holder or other system entity may report a fraudulent transaction that employs the holder's account information. A backend system may organize transaction information as a network of data nodes that includes a variety of interrelated information. The backend system may then identify all financial transaction “nodes” within the network that are related or connected by common data. For example, multiple transactions may include a common merchant as the reported fraudulent transaction. The backend may then perform an analysis of the nodes to identify likely fraudulent transactions based on one or more of the data elements for each node.

Abstract: Systems and methods described herein may generate a digital payment token associated with a payor-user indicating the status of a payment obligation of the payor-user. The systems and methods may generate a first block containing the digital payment token and append the first block to a blockchain. The systems and methods may receive a confirmation message from a third-party transaction server that the payor-user has either fully or partially fulfilled his or her payment obligation. Based upon the confirmation message, the systems and methods may retrieve the block containing the digital payment token and update the digital payment token to generate an updated digital payment token. The system and methods may generate a second block containing the updated digital payment token to supersede the first block and append the second block to the blockchain. The updated digital payment token may indicate that the digital payment token has expired.

Abstract: Methods and systems for performing on demand access transactions are disclosed. In one example, the method includes receiving, by a directory service computer from an authorizing computer, a file including a primary access identifiers and virtual access identifiers, the virtual access identifiers not being capable of being used at resource providers to conduct transactions. The method also includes receiving a request to provide an access token that is associated with an account, the request comprising information that identifies the account. The method further includes retrieving a virtual access identifier based on the identifying information; and requesting, by the directory service computer to a token service computer, that the access token be provisioned on the user device or an application computer associated with an application on the user device.

Abstract: The subject matter discloses a method, the method comprises receiving an event of capturing a capture of a vehicle; generating a signature of the vehicle from the capture; comparing the signature to a second signature; wherein the second signature is associated with an identified vehicle, the comparing resulting in a level of confidence; and if the level of confidence exceeds a threshold then identifying the vehicle as the identified vehicle.

Abstract: A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can detect fraudulent transactions before the transactions have been posted to the financial account. The system can also be used to provide real time notifications to customers about potential fraudulent activity.

Abstract: The present disclosure provides an exemplary system, method, and computer program product. The exemplary system includes at least one non-transitory memory storing user account information, wherein the information comprises a digital receipt associated with a user purchase and one or more conditions for delivering the digital receipt. The system further includes one or more hardware processors coupled to the at least one memory and operable to read instructions from the at least one memory to perform the steps of: receiving a payment request from a user; receiving at least one condition from the user for delivering a digital receipt associated with the payment request to at least one recipient; determining whether the at least one condition is satisfied; and delivering the digital receipt to the at least one recipient.