Abstract: A system and method for obtaining user approval for transactions. The system includes an authorization system that is communicably coupled to one or more transaction computer systems that execute at least some transactions that require user approval. When a transaction system is seeking to execute a transaction that requires user approval, the transaction system sends a user approval request to the authorization system. The authorization system then retrieves the user's communication preference from a database and transmits an affirmatively actionable message to the user according to the retrieved communication preference. The messages can include an email with an approval link to click or a text message that the can be replied to. When the authorization system receives confirmation from the user that the user approves the request, the authorization system then transmits approval for the transaction to the appropriate transaction system, which then proceeds to execute the transaction.

Abstract: A device may receive an authorization request, associated with a transaction made by a user device as part of a checkout procedure of a website, that includes a virtual transaction card identifier of a virtual transaction card that is being used for the transaction, and a first merchant identifier for a merchant associated with the website. The device may perform a first authorization procedure to determine whether the first merchant identifier, included in the authorization request, satisfies a threshold level of similarity with a second merchant identifier associated with a request to generate the virtual transaction card that occurred prior to receiving the authorization request. The device may determine whether to forego a second authorization procedure based on a result of the first authorization procedure, and cause an authorization response, that includes an indication of whether the transaction is approved, to be provided to another device associated with the merchant.

Abstract: An exemplary point-of-interest merging system accesses point-of-interest data records. Each point-of-interest data record includes data representative of a distinct set of features for a distinct point-of-interest. The merging system generates, based on the distinct sets of features of the point-of-interest data records, a graph data structure that includes the point-of-interest data records and weighted feature relationships interconnecting the point-of-interest data records. The merging system clusters, based on the graph data structure, the point-of-interest data records into subset groups of point-of-interest data records. The merging system generates one or more merged point-of-interest data records based on the clustered subset groups of point-of-interest data records.

Abstract: A method, implemented using an authentication monitoring (AM) computer device, for monitoring an execution of a digital authentication program is provided. The method includes receiving an authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, processing the authentication data file to extract at least one authentication value, testing the authentication value against at least one authentication rule associated with the digital authentication program, determining that a stored metric for the authenticating computer device fails to meet a predefined benchmark, wherein the stored metric is associated with the digital authentication program, and initiating an authentication remediation process, wherein the authentication remediation process causes an update to the digital authentication program used by the authenticating computer device.

Abstract: A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.

Abstract: In some embodiments, a method for binding a user's information to a user's account with a payment service provider includes receiving a request to pay for a transaction using the user's account with the payment service provider. The request to pay specifies a funding instrument. Additionally, the payment service provider is a source of the funding instrument, and the transaction is between the user and a merchant application. The method also includes generating a common identifier (ID) corresponding to the funding instrument, and generating a payment token corresponding to the common ID and the funding instrument. The common ID is a non-transactable token associated with the merchant application and the user, and the payment token is a non-transactable token that corresponds to the common ID. The method further includes binding the user's payment service provider account to the payment token and the common ID.

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

Abstract: A method, system, and non-transitory compute readable medium for a fraud detection including a calendar reading device configured to read calendar data of a calendar for a user, a purchase detection device configured to detect an attempted purchase using a credit-card of the user, and a risk detection device configured to detect fraud by calculating a risk based on the calendar data and data related to the attempted purchase.

Abstract: Systems and methods for processing machine learning attributes are disclosed. An example method includes: identifying a user transaction associated with a set of transaction attributes and a first transaction status; selecting, based on a risk evaluation model, a first plurality of transaction attributes from the set of transaction attributes; modifying a first value of a first transaction attribute in the first plurality of transaction attributes to produce a first modified plurality of transaction attributes; determining, based on the risk evaluation model, that the first modified plurality of transaction attributes identify a second transaction status different from the first transaction status; and in response to the determining, identifying the first transaction attribute as a risk attribute associated with the user transaction.

Abstract: In one embodiment, the present disclosure includes a method for determining a location of a user. In one embodiment, the method includes receiving operation data including character fields and a first identifier. A query that includes the first identifier is sent to a data store. In response to the query, operation types and corresponding count values are received. Character fields from the operation data are converted into tokens. For each of the tokens, a likelihood value and a second identifier specifying a respective machine learning parameter is retrieved. A machine-learning algorithm is configured based on the count values, and the likelihood values and specified parameters are processed by the configured machine-learning algorithm to determine whether the operation data corresponds to the geographic location of a user.

Abstract: Systems, methods, and computer-readable storage media for monitoring risk levels in continuing to allow a potentially compromised payment card to continue to be used. An exemplary system can include a processor which receives a notification of unauthorized use of a card, retrieves a transaction history of authorized use of the card, and performs predictive modeling based on the transaction history based to determine a predicted transaction amount for future transactions. The system can then determine a risk level of continued use of the card and modify processing of the ongoing transaction based on the risk level. The system can then issue a risk level notification to proper authorities.

Abstract: A system for payment based on a store's intranet, a mobile terminal including a payment function based on a store's intranet, a method for providing a payment service based on a store's intranet, and a program for performing the same are provided. The method includes providing, by a store client, a payment page in a store depending on a request of a user client, receiving, by the store client, a virtual code and order information which are input to the payment page, and transmitting, by the store client, the virtual code and the order information to a payment service server over the Internet.

Abstract: A closed loop processing interaction network in which the resource pool source of the user and the resource pool destination are both within the same organization or group of organizations. As such, resources associated with interactions may be distributed directly between the resource pools of the members within the interaction network without having to use the traditional processing networks. The interactions may occur through communication between user computer systems (e.g., mobile devices, or the like) and/or interaction terminals of product providers (e.g., mobile devices, or the like) that are able to handle both traditional processing, as well as closed loop processing. The closed loop interaction network improves the processing speeds, memory requirements, security, and costs associated with processing resources related to interactions.

Abstract: Methods for generating fraud detection rules based on transaction data may include receiving historical transaction data, associating tags with each transaction, generating decision trees having root nodes and child nodes operably connected to the respective root nodes, determining at least one primary rule and at least one set of secondary rules associated with the at least one primary rule based on relationships between features of the transactions, assigning primary rules and sets of secondary rules to the at least one decision tree to populate the tree, extracting a plurality of rule sets including at least one primary rule and one or more secondary rules, determining an ordering of the plurality of rule sets; and determining a subset of rule sets from the ordered plurality of rule sets against which subsequently received transactions are compared against to determine if the subsequent transactions are fraudulent.

Abstract: A blockchain block generated by one or more blockchain nodes when the one or more blockchain nodes are only connected to a local area network is received, and the blockchain block is synchronized with a blockchain. After determining that a backhaul network device is not connected to the one or more blockchain nodes and then determining that the backhaul network device is connected to the one or more blockchain nodes, the blockchain is transmitted to the one or more blockchain nodes via the backhaul network device upon determining that the backhaul network device is connected to the one or more blockchain nodes.

Abstract: A machine learning engine for fraud detection following link selection may be trained using artificial intelligence techniques and used according to techniques discussed herein. A buyer account may be used to establish and generate a digital gift card having a particular value specified by the buyer. The digital gift card may then be conveyed to another account, such as an email address. The digital gift card may be provided with an online electronic process for redemption and use of the value, for example, by selecting a link and navigating to the process. When the claimer account attempts to utilize the value of the gift card by navigating to the process or otherwise engaging in the electronic process through a device, a risk and fraud analysis engine may execute to determine, based on real-time data of the claimer account, the buyer account, and/or device, whether the digital gift card was generated fraudulently or is being used fraudulently.

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 uses 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: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

Abstract: A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.

Abstract: Certain aspects of the present disclosure provide techniques for predicting a transaction time based on user position data. In certain aspects, a method for predicting a transaction time based on user position data includes obtaining a transaction record and one or more user positions associated with a user. The method also includes obtaining one or more business records associated with each respective user position. The method further includes calculating one or more similarity scores, where each similarity score is based on a similarity between a respective business record and the transaction record. The method also includes associating the transaction record with a business record based on a maximum similarity score of the one or more similarity scores. The method further includes determining a predicted transaction time for the transaction record based on at least a timestamp of a user position associated with the business record associated with the transaction record.

Abstract: Examples described herein relate to apparatuses and methods of providing automated teller machine (ATM) status notifications using augmented reality. A method includes capturing, by a user device, an image of the ATM, determining a probability that the ATM has been compromised, augmenting the image of the ATM in a manner which reflects the probability that the image has been compromised, and displaying the augmented image on a user interface of the user device.

Abstract: Computer-implemented machine learning (ML)-based techniques for detecting payroll fraud are provided. In one set of embodiments, these techniques employ a number of ML algorithms to evaluate different types of fraud-relevant data in different ways, such as outliers in salary increases, payment patterns, and so on. In some cases, the ML algorithms may be chained such that the output of one ML algorithm feeds as input into another. The results of these ML algorithms (or chains of algorithms) are fed into a neural network-based final evaluation engine that outputs an indication of whether a given employee is suspicious and should be audited as a potential payroll fraud case.

Abstract: Embodiments of the present invention are directed to methods and systems for the efficient management of a digital currency system using a cryptocurrency scheme. Embodiments utilize a payment processor computer to manage entities in the digital currency system, which have the rights to generate, distribute, transact with, and redeem units of a digital currency. In some embodiments, the digital currency may represent points in a loyalty program operated by an entity or organization. Transactions performed using the digital currency and rules governing the digital currency can be tracked and maintained in a master ledger maintained by the payment processor computer, and distributed as sub-ledgers to other entities within the digital currency system.

Abstract: An information processing device includes a control unit that executes: acquiring information indicating an environment surrounding a place where a plurality of movable objects is disposed, the plurality of movable objects including display units that display a picture to configure an external appearance; deciding a display content of the picture to be displayed by the display units included in the plurality of movable objects, depending on the information indicating the environment surrounding the place; and giving an instruction to cause the display units to display the picture having the decided display content, to the plurality of movable objects disposed at an area surrounding the place.

Abstract: This specification describes techniques for managing assets in a blockchain. One example method includes receiving, from a target user recorded in a distributed database of a blockchain network, a user input including a request to transfer an asset object including a digital asset corresponding to a physical asset associated with the target user, in response to receiving the request, determining a contract object based on an asset type of the asset object, processing the asset object using the contract object to generate a plurality of target objects, deleting address information from the plurality of target objects, and adding the address information to asset receiving objects corresponding to the plurality of target objects.

Abstract: Systems and methods are disclosed for establishing a multi-dimensional fraud detection system and payment analysis. One method includes: receiving transaction history of a user, the transaction history including a first payment vehicle and a second payment vehicle; determining, of the received transaction history, one or more instances of switching from one the first payment vehicle to the second payment vehicle; and determining a user-specific abandonment score for the user, based on the determined instances of switching from the first payment vehicle to the second payment vehicle.

Abstract: In an aspect, the present application may describe a method including: receiving, from a remote computing device and at a server, an indication of consent for an authenticated entity to share data with a third party server; in response to receiving the indication of consent, issuing an access token to the third party server, the access token for accessing data associated with the authenticated entity; monitoring a risk parameter associated with one or both of the third party server and the authenticated entity to detect a change in the risk parameter; determining, based on input received from the authenticated entity, that data sharing with the third party server is to be modified based on the change in risk parameter; and modifying the sharing of data for the authenticated entity with the third party server by revoking the access token or modifying an access permission associated with the access token.

Abstract: Techniques for electronic signature process management are described. Some embodiments provide an electronic signature service (“ESS”) configured to manage electronic identity cards. In some embodiments, the ESS generates and manages an electronic identity card for a user, based on personal information of the user, activity information related to the user's actions with respect to the ESS, and/or social networking information related to the user. The electronic identity card of a signer may be associated with an electronic document signed via the ESS, so that users may obtain information about the signer of the document. The ESS may also generate a trust score for the user based on activity information related to the user's actions with respect to the ESS and/or other factors. The trust score may be used to recommend authentication mechanisms to use with respect to electronic signature transactions.

Abstract: Systems and methods for biometric payments are disclosed. In one embodiment, a method for biometric payments may include (1) receiving transaction information from a merchant terminal, the transaction information comprising an identification of a good or service to purchase and a biometric payment instruction; (2) at least one computer processor authenticating the individual based on the biometric payment instruction; (3) the at least one computer processor determining a payment account from the biometric payment instruction; (4) the at least one computer processor retrieving a payment device associated with the payment account; and (5) the at least one computer processor providing the payment device to the merchant terminal.

Abstract: A method is disclosed. The method includes receiving a communication comprising a real credential from a communication device and providing the real credential to a token computer. The token computer generates a token and a cryptogram, and the cryptogram is formed using a resource provider initiated transaction indicator. The method includes receiving, from the token computer, the token and the cryptogram, and transmitting, to a processing computer, an authorization request message comprising the token, the cryptogram, a resource provider identifier, and a transaction amount for a first transaction. The processing computer validates the cryptogram, exchanges the token for the real credential, stores the resource provider identifier, and forwards the authorization request message including the real credential, and the transaction amount to an authorizing entity computer. The method also includes receiving an authorization response message from the authorizing entity computer.

Abstract: Aspects of the disclosure provide an electronic device. The electronic device can include transceiver circuitry and processing circuitry. The transceiver circuitry can be configured to receive signals from wireless service provider networks. The processing circuitry can be configured to detect, from the signals, a high speed rail (HSR) signature of one of the wireless service provider networks. The HSR signature can indicate that the one of the wireless service provider networks is a first network for a high speed rail usage. The processing circuitry can also be configured to determine a mobility of the electronic device based on the signals in a time duration. Further, the processing circuitry can be configured to selectively camp on a first cell of the first network based on the mobility of the electronic device.

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: A system described herein may provide for the verification of payment information associated with a particular user request. The payment information may be verified by a third party and provide verification information to the call center processing the order request. Some information may be provided by the call center processing through the request by receiving information regarding the particular user from a repository.

Abstract: There is disclosed a mobile device integrated keyboard sales platform that enables a potential seller or shopkeeper to complete a sale, including transmission of product information, generation of a purchase order form, generation of a delivery information form, and receipt of payment all using an alternative keyboard installed on a mobile device. Every aspect of the process may be completed reliant upon the alternative keyboard, rather than a stand-alone application or multiple stand-alone applications, and may take place in any chat application or multiple chat applications or in a special purpose sales chat application.

Abstract: A method includes associating a virtual card number (VCN) with an account owned by a customer. The VCN is in a format used for account numbers in a payment card system. The account is not a payment card system account. After a P2M (person to merchant) push payment transaction funded by the account, a request is received from the customer to perform a chargeback with respect to the P2M transaction. A message is transmitted to execute the requested chargeback. The message includes the VCN.

Abstract: A method of securely and accurately adjudicating claim payouts in a risk-sharing event pool having a claim benefit account. The method includes receiving a request for a claim payout from a claimant participating in the event pool along with information regarding the claim. Members of the event pool serving as jurors analyze the information and vote to validate or reject the claim. A predetermined number of votes are randomly selected and tallied to determine if the claimant is successful in the request for a claim payout. The method also includes the step of locking the claim benefit account where members cannot withdraw from the event pool until the term has ended. The method further includes the step of unlocking the claim benefit account to share all remaining funds equally among members when the claim benefit account balance is greater than zero and the term of the event pool expires.

Abstract: In one embodiment, a traffic analysis service obtains telemetry data regarding encrypted traffic associated with a particular device in the network, wherein the telemetry data comprises Transport Layer Security (TLS) features of the traffic. The service determines, based on the TLS features from the obtained telemetry data, a set of one or more TLS fingerprints for the traffic associated with the particular device. The service calculates a measure of similarity between the set of one or more TLS fingerprints for the traffic associated with the particular device and a set of one or more TLS fingerprints of traffic associated with a second device. The service determines, based on the measure of similarity, that the particular device and the second device were operated by the same user.

Abstract: Provided are methods that include determining a set of transaction related actions for an agent, selecting a first transaction related action from the set of transaction related actions for the agent based on a plurality of features associated with the agent, generating transaction data associated with a fraudulent transaction based on the first transaction related action, generating a feature vector, the feature vector including transaction data associated with the fraudulent transaction, providing the feature vector as an input to a fraud detection machine learning model. Methods may also include determining an output of the fraud detection machine learning model based on the feature vector as the input, and generating a fraudulent reward parameter for the first transaction related action based on the output of the fraud detection machine learning model. Systems and computer program products are also provided.

Abstract: Systems and methods for recognizing and depositing digital files. Receive an unidentified file. Identify a target client and at least one account associated with the unidentified file. Segment the unidentified file into one or more document images. For each document image: scan the image and extract content, label the image based on its content, select an account of the target client, and deposit the labeled image in the selected account.

Abstract: The present disclosure describes a method, device, and non-transitory computer readable storage medium for classifying an input image. The method includes extracting, by a device, a global feature of a input image. The method includes determining, by the device, a local critical area of the input image based on the input image and the global feature; and extracting, by the device, a local feature of the local critical area. The method includes obtaining, by the device, a correlation feature of the input image based on the global feature of the input image and the local feature of the local critical area of the input image. The method includes classifying, by the device, the input image to obtain a classification result based on the global feature of the input image, the local feature of the local critical area, and the correlation feature of the input image.

Abstract: According to an embodiment, there is provided a method for authorizing use of an application on a device. The method includes: identifying a plurality of device identifiers of the device; determining authorization information based on predetermined one or more of the plurality of device identifiers; and determining authorization for use of the application on the device in response to the authorization information.

Abstract: A method for performing a security login in an electronic device includes accessing, by an electronic device including a communication circuit and a processor, a web page. The method also includes receiving a user input for requesting a login to the web page and receiving first information for the login from the web page. The received first information is transmitted to a payment service provider server and a request for second information for authentication is received from the payment service provider server. The requested second information is transmitted to the payment service provider server and the login to the web page is performed.

Abstract: Methods and systems for protecting sensitive data and applications on a mobile device. In an embodiment, a mobile device processor of a mobile device downloads, from a digital wallet server computer, a mobile wallet application including a white box software development kit (SDK) which includes code protection processes, then obfuscates, by running the code protection processes of the white box SDK, consumer financial data and consumer authentication data and stores the obfuscated consumer financial data and consumer authentication data in a regular memory of the mobile device. The process also includes protecting, by the mobile device processor running the white box SDK, sensitive applications stored in the regular memory which execute during a transaction from attack, and re-obfuscating, by the mobile device processor, at least one of the consumer financial data and the consumer authentication data according to a predetermined time interval.

Abstract: Provided are a system and method for identifying a transaction as a card on file payment transaction. The method may include receiving an authorization request message for a transaction from a merchant computing device, detecting payment account information and an identifier which are included in the authorization request message, where the identifier identifies the payment account information as being from a payment account on file, and authorizing the transaction based on the detected payment account information and the detected identifier.

Abstract: An example transaction analysis platform is described herein. The transaction analysis platform may analyze an audio signal to determine whether a user is associated with a transaction. The transaction analysis platform may determine that a tone of the audio signal is a transaction tone associated with the transaction. The transaction analysis platform may process, based on detecting the transaction tone, the audio signal to identify a set of tones associated with the transaction. The transaction analysis platform may generate, based on a quantity of the set of tones, transaction information associated with the transaction, wherein the transaction information identifies a quantity of items associated with the transaction, wherein the quantity of items corresponds to the quantity of the set of tones. The transaction analysis platform may perform an action associated with the transaction information and a transaction account of the user.

Abstract: A payment network server for processing a cashless payment transaction via a point-of-sale (POS) terminal associated with a merchant server is described.

Abstract: The concept disclosed is referred is a temporary identification device, or, “TID.” The TID comprises essentially, different embodiments of a reproducible layer, the reproducible layer being a pictographic rendering of data, information, colors, and visualization codes pertaining to a specific subject, the subject being animate or inanimate. The medium of the reproducible layer may be, but is not limited to, paper, fabric, synthetic material, or an inked imprint/impression of the data and information integral to the TID. The medium of the reproducible layer is encompassed within, or incorporated onto the TID. In some embodiments, the information embodied within or upon the TID may be transferred directly onto the skin or surface of a subject.

Abstract: A mechanism for providing electronic commerce data onto publisher's site. The mechanism also provides ability for a consumer to interact with that data to complete a purchase from within the publisher's website or application. A method includes retrieving merchandise data from a plurality of merchants and storing at least one group of merchandise data formed based on the merchandise data and content on a publisher site. The method also includes embedding the group of merchandise data on the content of the publisher's website and generating a merchandise frame in view of the embedment. The method further includes rendering the merchandise frame directly onto the publisher site. The method further includes rendering a universal check out frame on the publisher's site, which provides the user the ability to check out from multiple retailers within a single universal check out on a publisher's site.

Abstract: An approach is provided that receives, over a computer network, transaction data from a number of clients that are running an app. The approach generates association rules by inputting the transaction data to an association rule learning algorithm, such as an Apriori algorithm. Each association rule is based on a user transaction pattern and a desired result, and each association rule includes a generated confidence value that pertains to an expected performance of one of the steps included in the respective association rule. The app is then modified based on an analysis of the generated confidence values, with the app modification being directed towards improving one or more of the confidence values.

Abstract: Methods, systems, and computer program products for the coordination of payment of medical goods and/or services of patients in developing countries by relatives of those individuals living abroad, such as in the diaspora of particular cultures or nationalities. The methods and systems are implemented using a global database application on a networked computing platform comprising one more machines selected from the group consisting of personal computers, desktop computers, laptop computers, message processors, hand-held devices, multi-processor systems, microprocessor-based consumer electronics, programmable consumer electronics, network computers, minicomputers, mainframe computers, portable tablet devices, mobile telephones, personal digital assistants (PDAs), video game consoles, and portable media players.