Methods, systems, and computer program products for providing enhanced mobile transactions and payments are disclosed. A computer-implemented method may include receiving a request to provide an enhanced merchant experience available for a merchant to one or more consumers participating in mobile transactions with the merchant, receiving a merchant identifier from a system involved in processing a mobile transaction for the merchant, determining whether to provide the enhanced merchant experience to a user involved in the mobile transaction with the merchant, determining when to provide the enhanced merchant experience to the user involved in the mobile transaction with the merchant, and providing the enhanced merchant experience to the user involved in the mobile transaction with the merchant during the transaction, at completion of the transaction, or after completion of the transaction.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
The method, system and a computer program product are directed to an ensemble machine learning model that receives account parameters as input. The ensemble machine learning model includes a graphical neural network model, an auto encoder and a recurrent neural network model. The ensemble machine learning model converts a plurality of account parameters into an entity graph, an entity embedding and a sequence of account parameters for the ensemble machine learning model. The graphical neural network model, the auto encoder and the recurrent neural network model determine whether the account exhibits the pre-determined behavior based on the entity graph, the entity embedding and the sequence of account parameters.
There are provided systems and methods for targeted authentication queries based on detected user actions. A user may perform various actions during a day, including online, electronic, or digital actions, such as social networking, messaging, and media consumption, as well as real-life actions, such as exercise, travel, and purchases. The actions may be used to determine a user history for the user by a service provider. When the user wishes to login to an account or otherwise authenticate the identity of the user, the user may provide login or authentication credentials. The credentials may be used to look up the user history and cause the service provider to generate an authentication—query for the user based on events associated with the user in the user history. The query may be utilized to further authenticate the user by requiring the user to respond with the event associated with the user.
Techniques are disclosed for implementing cross-zone communication for computing zones executing different coding protocols. A server computer system may receive, via a proxy layer of a first instance of an application executing within a first computing zone according to a first set of coding protocols, a request for a service executed via a second instance of the application in a second computing zone according to a second, different set of coding protocols. The system may alter, via a remote layer of the first instance, a set of data specified in the request to comply with the second, set of protocols. The system may transmit, via the remote layer of the first instance to a remote layer of the second instance, the altered set of data. The system may advantageously provide a simplified development interface allowing for both development and testing within a local environment without deployment of multiple different services.
According to an aspect of an embodiment of the present disclosure, a method may include receiving a quick response (QR) code from a computing device, the QR code including a first entity identifier, and analyzing the QR code to determine a request to initiate a data transfer between a first entity associated with the first entity identifier and a second entity, and to determine one or more characteristics associated with the data transfer. The method may also include, based on the one or more characteristics, identifying a first QR code processing flow from multiple QR code processing flows to follow to process the data transfer, and verifying the first entity in the transaction based on the first entity identifier of the QR code and based on the first QR code processing flow. The method may also include processing the data transfer between the second entity and the first entity based on the first QR code processing flow.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06K 7/14 - Methods or arrangements for sensing record carriers by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
Methods and systems are presented for cross-entity fraud mitigation. A refund request for a transaction between a first entity and a second entity is received via a network from a device of the first entity. A transaction history associated with an account of the first entity with a service provider is obtained. From the obtained transaction history, metadata relating to previous refund requests processed for previous transactions associated with the account of the first entity is extracted. The extracted metadata is evaluated to determine a risk score for the refund request received for the transaction, where the risk score indicating a risk of fraud associated with the refund request. A decision on authorization of the refund request is generated for the transaction, based on the risk score. A notification of the decision is transmitted via the network to a device of the second entity.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
7.
Adaptable Transformer Models via Key Term Replacement
Techniques are disclosed relating to storing, by a computer system, a map file that includes a new term that is mapped to a particular one of a plurality of category names that a natural-language processing (NLP) model is trained to identify, wherein the NLP model is not trained to identify the new term. The technique may further include receiving, by the computer system, user-generated content (UGC) that includes the new term. Additionally, the technique may include generating, by the computer system using the map file, a modified version of the UGC by substituting the particular category name for text in the UGC that is associated with the new term, and using, by the computer system, the NLP model on the modified text to classify the modified version of the UGC without retraining the NLP model to identify the new term.
An example method includes receiving a selection of an item; retrieving a user interaction history and a user profile; determining a pattern of user behavior based on the user interaction history and on the user profile; receiving a set of active promotions for the third party; receiving a set of donation-receiving organizations; receiving, from an investment provider, a set of investments; determining an amount of savings based on a comparison of the selected item to the set of active promotions; determining at least one donation-receiving organization and at least one investment based on the pattern of user behavior; and presenting, on a GUI, an interactive element that enables a user to complete a transaction involving the selected item and direct the amount of savings to the at least one determined donation-receiving organization or to the at least one determined investment.
G06F 21/64 - Protecting data integrity, e.g. using checksums, certificates or signatures
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
G06Q 40/06 - Asset management; Financial planning or analysis
9.
SELECTION OF ELECTRONIC TRANSACTION PROCESSING CHANNEL AND MULTI-FACTOR USER AUTHENTICATION
An example method includes receiving a request for a transaction; associating the request with a user; receiving, from the user, identification information; retrieving, from a database, first stored authentication information associated with the user; retrieving, from a distributed ledger, second stored authentication information associated with the user; and determining that the received authentication information matches the first stored authentication details and the second stored authentication details and, in response, outputting, by the computing system, a proof of authentication to enable the transaction.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Methods and systems are presented for mining data in association with predicting occurrences of events. Upon detecting an occurrence of an event associated with a transaction, a data mining system accesses data associated with different transactions, and generates a decision tree for predicting occurrences of the event based on the data. Using a classification specification, the data mining system traverses the decision tree and prunes at least a portion of the decision tree that does not satisfy the classification specification. The data mining system then extracts data relevant to predicting occurrences of the event from the pruned decision tree. The extracted data includes attributes and/or criteria that are relevant to predicting occurrences of the event. Based on the extracted data, one or more actions can be performed to improve the event prediction process and/or reduce the frequency of the occurrences of the event.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Methods and systems are presented for providing a framework that enables a computer system to analyze and compare changes to different account characteristics of different accounts that occurred over a time period. A code is generated for an account to represent changes to different account characteristics of the account within the time period. Changes to different account characteristics may be highlighted in the code using different colors or patterns. By analyzing the code, overlapping changes from different account characteristics that occurred within the same time frame may be detected. The different change patterns associated with the user account may then be used to assess a risk for the user account and/or a transaction involving the user account.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
G06Q 30/06 - Buying, selling or leasing transactions
12.
PAYMENT TRANSACTIONS USING AN AUGMENTED REALITY DEVICE
A system and method of performing a payment transaction in an augmented user experience displayed to a user of an augmented reality device. The system includes receiving a request for user authentication from a user, authenticating the user for performing payment transactions via a merchant application executed on the augmented reality device, receiving a request for payment to a merchant for an item offered for sale to the user in an augmented environment presented by the merchant application, processing payment in the payment amount between a payment account of the user and a merchant account, wherein the request for payment is performed without the user exiting the merchant application.
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
G06F 3/04815 - Interaction with a metaphor-based environment or interaction object displayed as three-dimensional, e.g. changing the user viewpoint with respect to the environment or object
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A method for operating a graph database, including receiving, by a computer system, a query to a particular graph database, the query identifying a plurality of vertices of the particular graph database. The method further includes performing, by the computer system, hash operations on two or more of the plurality of vertices to generate respective hash values and dividing, using the respective hash values, the query into a plurality of sub-queries, each corresponding to a subset of the plurality of vertices. The method also includes sending, by the computer system, ones of the plurality of sub-queries to a plurality of database repositories for the particular graph database.
There are provided systems and methods for user specific data distribution of crowd-sourced data. A user may provide data indicative of an item the user may wish to purchase, for example, through browsing history, entry of the item to a transaction, or other information. A community of users associated with the user, which may include the user or other known or nearby users, may provide real-time data collected by their devices of information that may be relevant to purchase of the item. The information may be passively or actively collected by components of devices for their devices, and may be crowd-sourced so that the community of users may elect to release the information and receive rewards by virtue of their data sharing. The information may be processed to determine a recommendation for purchase, which may be output through a commonly used communication platform for the user.
Some embodiments may provide a method comprising receiving, from a remote machine, entity-identifying data and form identifying data, the form identifying data to identify a sequence of one or more electronic forms, the sequence including a target electronic form having a form element, determining an entity identifier, based on the entity-identifying data, accessing, from a data store, an entity attribute value based on the entity identifier, and transmitting, to the remote machine, form-filling instructions operable to cause a machine to automatically associate an entity attribute value with the form element.
There are provided systems and methods for a distributed autonomous patching system. During patching of a cloud computing architecture, an autonomous patching system may operator autonomously with no to minimal operator input to patch the host machines and corresponding computes of the cloud computing architecture's available applications. This may work by receiving a patch and determining corresponding patching factors for an availability zone of computes in the cloud. The system may then determine a patching topology map having an order of patching nodes for the selected computes of the application in the availability zone. Thereafter, while monitoring those computes, the system may select certain computes into an active processing funnel, where the patch is applied to those computes. Fingerprinting of before and after-patch states may be used to ensure proper patching.
Methods and systems are presented for providing a framework for facilitating token sharing with contract issuers based on processing of smart contract transactions. The framework provides a mechanism for allowing one or more computer nodes within a blockchain network to opt-in to a token sharing agreement with a contract issuer and a mechanism for an opted-in computer node to share tokens with the contract issuer in a decentralized manner. When a computer node has opted-in to the token sharing agreement, the computer node, by executing a smart contract, performs a set of computer procedures that is non-productive to the processing of the smart contract transaction. The execution of the set of non-productive computer procedures provides an additional amount of processing fee based on the processing of the smart contract transaction. The computer node then transfers a portion of the additional amount of processing fee to an account of the contract issuer as part of the processing of the smart contract.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
18.
PAIR-WISE GRAPH QUERYING, MERGING, AND COMPUTING FOR ACCOUNT LINKING
There are provided systems and methods for pairwise graph querying, merging, and computing for account linking. A service provider may provide an account graph system to identify pairwise similarities between different accounts based on shared data that may be identified through one or more linking characteristics. When providing pairwise graph similarities, a service provider may receive a query identifying two or more accounts and/or an account with a parameter for graph exploration and querying. The service provider may utilize connection, link, or relationship graphs, queried and generated using a graph database, to determine pairwise similarities between the designated seed account and one or more selected accounts. The graph may include vertices for different queried data points and edges connecting such queries, where directionality of the edges or other vectors may be used to identify links or hops between accounts for data querying and exploration.
A point of sale (POS) security system includes a POS device including a non-transitory memory, one or more hardware processors, and one or more environment sensors. A plurality of POS instructions are located on the non-transitory memory in the POS device and executable by the one or more hardware processors in the POS device to provide a POS engine that is configured to receive and transmit payment information for conducting a payment transaction associated with a purchase. A plurality of security instructions are located on the non-transitory memory in the POS device and are executable by the one or more hardware processors in the POS device to provide a security engine that is configured to receive environment signals from the one or more environment sensors in the POS device and analyze those environment signals to determine a security breach.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Systems, methods, and non-transitory computer readable media for visualizing user spending data in an altered reality are provided. Spending data includes items purchased, budgets for specific rooms or categories, prices paid, dates of purchase, and amounts spent. The user may interact within the altered reality to manage spending and move budgets between rooms or categories.
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
A method for using location-based services for service management is discussed. The method includes receiving, at a server, a user request from a user device at a geographical location. The method includes accessing a store search to determine a store reference based on the user request and a user location corresponding to the geographical location, the store reference indicating tenant(s) accessible to the user via a user interface (UI) of the user device. The method includes accessing location data for the user device based on the store reference and a user account associated with the user, the location data indicating a service accessible via the UI and associated with a certain tenant. The method includes providing, to the user device and based on the location data, a user experience for accessing the service via the UI.
Methods and systems are presented for imputing missing data items within a first dataset based on data associated with a second dataset that is the nearest neighbor of the first dataset. A first mapping model is configured to map data subsets corresponding to a first data source to first positions in a multi-dimensional space. A second mapping model is configured to map data subsets corresponding to a second data source to second positions in the multi-dimensional space. The first and second mapping models are trained together to reduce a distance between positions mapped by the first and second mapping models based on corresponding data subsets that belong to the same entity. A nearest neighbor dataset to the first dataset is identified based on the first and second mapping models. Data associated with the nearest neighbor dataset is used to impute the missing data items of the first dataset.
G06F 18/2413 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches based on distances to training or reference patterns
G06F 18/213 - Feature extraction, e.g. by transforming the feature space; Summarisation; Mappings, e.g. subspace methods
G06F 18/214 - Generating training patterns; Bootstrap methods, e.g. bagging or boosting
An example method of configuring a plurality of aspects of a system includes providing, by a computing system, a control smart contract and a plurality of subordinate smart contracts on a blockchain, wherein each subordinate smart contract receives a respective input regarding a respective one of the plurality of aspects and outputs a respective decision, and wherein the control smart contract controls a configuration process incorporating the subordinate contracts according to the decisions of the subordinate contracts. The method further includes conducting, by a computing system, the configuration process according to the control smart contract; and configuring the aspects of the system according to the decisions of the subordinate smart contracts.
Aspects of the present disclosure involve systems, methods, devices, and the like for emoji mashup generation. The system and method introduce a method and model that can generate emoji mashups representative of contextual information received by a user at an application. The emoji mashup may come in the form of two or more emojis coherently combined to represent the contextual idea or emotion being conveyed.
G06F 40/274 - Converting codes to words; Guess-ahead of partial word inputs
G06V 10/44 - Local feature extraction by analysis of parts of the pattern, e.g. by detecting edges, contours, loops, corners, strokes or intersections; Connectivity analysis, e.g. of connected components
25.
BROWSER EXTENSIONS AND APPLICATIONS FOR CROSS-PLATFORM ITEM DATA IDENTIFICATIONS
There are provided systems and methods for browser extensions and applications for cross-platform item data identifications. A service provider server may provide website and application tools that may track user navigations, inputs and selections, and other operations with merchant websites and/or online merchant marketplaces. Further, the service provider may provide discounts and offers during purchases and transactions with the online merchants, which may further provide reward points or value based on use of the service provider's services. However, transactions may be canceled by the user and/or merchant, which may prevent distribution of such rewards. The service provider may provide operations to detect canceled transactions and thereafter determine the same or similar item from the transaction with different online merchants. The service provider may then automatically provide links and navigations to such items with the different online merchants using a browser extension and/or software application.
There are provided systems and methods for increasing availability of a micro-computation decision service by utilizing execution flow configurations. A service provider, such as an electronic transaction processor for digital transactions, may utilize different decision services that implement rules and/or artificial intelligence models for decision-making of data including data in production computing environment. A decision service may normally be used for data processing and decision-making through an execution flow configuration and/or graph identifying a flow of task executions and other computing operations.
G06F 11/14 - Error detection or correction of the data by redundancy in operation, e.g. by using different operation sequences leading to the same result
G06F 9/48 - Program initiating; Program switching, e.g. by interrupt
27.
STREAMLINED AND PRIVACY PROTECTED DATA FLOWS FOR ENTITY ONBOARDING WITH ONLINE DATA PLATFORMS
There are provided systems and methods for streamlined and privacy protected data flows for entity onboarding with online data platforms. An online transaction processor or other service provider may provide computing services and platforms to entities including merchants for electronic transaction processing and other account services. To onboard entities with the transaction processor, the transaction processor may provide a multistep system that includes allowing entities to specify particular needs of input/output mechanisms, configure interface buttons having a wrapper layer, and submit feedback on error logs. The transaction processor may also provide a masking service to detect, mask, and notify the entity of sensitive data exposures during onboarding and usage of merchant systems. Additionally, the transaction processor may provide a sandbox environment for the entity to test different accounts having different permissions. A blockchain and distributed records may be used to validate an identity of the entity.
Methods and systems are presented for analyzing transactions conducted through user accounts with an online service provider based on a tube map structure. A transaction analysis system identifies a seed user account based on a set of risk factors, and generates a tube map based on a transaction flow originated from the seed user account. The tube map represents the transactions within the transaction flow using a multi-tier structure. The transaction analysis system disposes nodes representing different user accounts in different tiers of the tube map to illustrate when the transactions occur within the transaction flow. The transaction analysis system analyzes the transactions using the tube map to identify user accounts that likely involve in suspicious activities. One or more actions can be performed on the user accounts to improve the security of the online service provider.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
29.
AUTOMATIC SYNCHRONIZATION OF A DEVICE FOR TRANSACTION PROCESSING BASED ON GEO-FENCED LOCATIONS
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.
Techniques for data lifecycle discovery and management are presented. Data lifecycle discovery platform (DLDP) can identify data of users, data type, and language of data stored in data stores (DSs) of entities based on scanning of data from databases. DLDP determines compliance of DLDP and DSs with obligations relating to data protection arising out of jurisdictional laws or agreements. DLDP generates rules to facilitate complying with and enforcing laws and agreements. DLDP can determine, and present to authorized users, risk scores relating to levels of compliance of the DLDP, associated platforms, or entities, risk indicator metrics, or a privacy health index of the organization associated with DLDP. DLDP can manage user rights regarding data, and access to data in DSs and information relating thereto stored in secure data store of DLDP. DLDP can remediate issues involving anomalies indicating non-compliance. DLDP can utilize machine learning to enhance various functions of DLDP.
Methods and systems are presented for assisting a user to identify and evaluate features for use in a machine learning model configured to perform a task. Based on graph data associated with a graph data structure, a user interface is provided on a device. Based on user inputs received via the user interface, a feature candidate for the machine learning model is determined. The feature candidate is associated with a particular way of traversing the graph data structure to obtain attribute values associated with one or more vertices and/or one or more edges in the graph data structure. Based on the attribute values, a value corresponding to the feature candidate can be calculated. The value can be used to evaluate the effectiveness of the feature candidate in performing the task. The feature candidate can then be incorporated into the machine learning model as one of the input features.
There are provided systems and methods for vehicle identification and device communication through directional wireless signaling. A user's device may include a directional wireless transceiver that may be used to provide wireless signaling in a specific target direction. The user may direct the device at a particular vehicle, where the vehicle may has a transceiver located within or attached to the vehicle that responds to the particular wireless signaling. The vehicle's transceiver may respond to the device of the user with a unique identifier that allows for communication with the vehicle's operator. The unique identifier may therefore allow for message content to be sent directly to a device for the vehicle's operator, or may allow for a service provider to process the message. Additionally, the vehicle's operator may establish privacy settings for communications, which may be utilized to determine whether the message content will be provided to the device.
Techniques are disclosed relating to retaining a log entry in response to detection of a respective triggering event occurring within a computer network. This triggering event may result in a set of processes being performed. A computer system may determine a trace signature for the log entry. This trace signature may track information related to the set of processes. The computer system may compute, using the trace signature, a log retention value for the log entry. This log retention value may be computed using weight factors for ones of the set of processes. The computer system may retain the log entry within a log file according to a retention period that corresponds to the log retention value.
Methods and systems are presented for stolen cookie detection. An authentication request is received for a user to access a website using a web browser executable at the user's device. A series of storage locations available on the device for storing web cookies is identified and sorted in order of increasing fraud risk starting from a first storage location. A cookie value for each storage location is retrieved from the device. For each storage location after the first: an expected cookie value is calculated based on the cookie value of a preceding storage location; the expected cookie value is compared with the value retrieved for the storage location; and a score representing a level of fraud risk for the storage location is assigned. The authentication request is processed based on whether the assigned score for at least one of the storage locations exceeds a predetermined risk tolerance for fraud detection.
Methods and systems are presented for authenticating web content. A request to authenticate web content is received from a user device. A first document object model (DOM) tree representing elements of the web content within a hierarchical structure is accessed. A hash value for each node of the first DOM tree is calculated based on the corresponding element of the web content represented by that node. A second DOM tree associated with a host of the web content is retrieved from a database. The second DOM tree represents predefined elements of the web content. The hash value calculated for each node of the first DOM tree is compared with a hash value associated with a corresponding node of the second DOM tree to determine whether the first DOM tree matches the second DOM tree. The web content is authenticated when the first DOM tree matches the second DOM tree.
Methods and systems for managing loyalty programs using a decentralized blockchain are provided. Transactions between users and a merchant are monitored via an application programming interface (API) of a service provider. Based on the monitoring, it may be determined that at least one of the users has satisfied reward criteria for a loyalty program associated with the merchant. The loyalty program includes a plurality of tokens to be distributed to users who satisfy the reward criteria configured by the merchant via a merchant interface. At least one token from among the plurality of tokens may be selected for the user, based on at least one smart contract associated with the merchant. The smart contract is stored on the blockchain in association with a unique identifier for the merchant. A transaction is broadcasted to the decentralized blockchain for transferring the at least one token to a digital wallet of the user.
G06Q 30/0226 - Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Aspects of the present disclosure involve systems, methods, devices, and the like for generating dynamic machine readable codes. In one embodiment, a system is introduced that enables the analysis of user information for the generation of the dynamic machine readable code. In response to the analysis, using middleware on a multi-tier system, user information is embedded onto the dynamic machine readable code. The embedded user information can be captured during the transaction enabling the presentation of customized content which can be used to provide a user friendly interface for the transacting while detecting incorrect account usage. In another embodiment, in conjunction with the dynamic machine readable code, additional user and/or device features are captured during the processing of a transaction such that the combination facilitate fraudulent activity detection.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
38.
DYNAMICALLY LINKING MACHINE-READABLE CODES TO DIGITAL ACCOUNTS FOR LOADING OF APPLICATION DATA
There are provided systems and methods for dynamically linking machine-readable codes to digital accounts for loading of application data. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a physical payment card. A machine-readable code may be provided on the payment card, where the machine-readable code may be dynamically linked to underlying data with an online transaction processor. The user may provide the payment card to another user that may capture the machine-readable code on the payment card. The other user's device may then utilize the machine-readable code with the online transaction processor to perform an account lookup using database information dynamically linked to the machine-readable code. Thereafter, the other user's device may automatically load account data for the account without having the user enter the account's identifier.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
39.
SDK FOR DYNAMIC WORKFLOW RENDERING ON MOBILE DEVICES
A first request to conduct a transaction via a mobile application is received from a user of the mobile application. In response to the receiving of the first request, a first portion of a transaction flow is rendered on a graphical user interface of the mobile application. A determination is made that the mobile application is unable to render a second portion of the transaction flow. In response to the determining, a second request is sent to a server to provide details for the second portion of the transaction flow. After the sending, computer programming code is received. The computer programming code corresponds to the details of the second portion of the transaction flow. Based on the received computer programming code, the second portion of the transaction flow is rendered for the mobile application on the mobile device.
Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for creating digital wallets for users. In some embodiments, digital wallets are created, at least in part, on information obtained from payment transactions conducted by users.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 30/06 - Buying, selling or leasing transactions
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
A method includes generating, a communication to a user, the communication including content, receiving a user request to serve a first webpage, and determining metadata associated with the request. The method further includes retrieving metadata associated with the communication and determining that the request is from the user according to the metadata associated with the request and according to the metadata associated with the communication. The method further includes transmitting data respective of a second webpage, the second webpage different from the first webpage, in response to determining that the request is from the user, the second webpage associated with the content.
There are provided systems and methods for biometric authentication during voice data transfers. A user may initiate voice communications with a service provider endpoint that provides automated services to the user through the voice or audio communications, such as an interactive voice response (IVR) system where a user may navigate menus through audio commands. The user may by required to authenticate their identity during the phone call or other voice data transfer, which may be done by entering a biometric, such as a fingerprint. The biometric may be converted to biometric feature data and provided to one or more token service providers. The token service providers may provide one or more tokens for the biometric, which may be used as the authentication token. This token may then be transmitted to the IVR system through the user's endpoint using a dialer feature of the endpoint.
G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards
H04M 3/493 - Interactive information services, e.g. directory enquiries
G10L 15/22 - Procedures used during a speech recognition process, e.g. man-machine dialog
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. The service provider may also rank the recommended digital wallets and/or determine how many should be presented to a user. During merchant checkout, the user is presented with the recommended digital wallets, and the user selects one of the digital wallets to fund the purchase.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
44.
DETERMINING PROCESSING WEIGHTS OF RULE VARIABLES FOR RULE PROCESSING OPTIMIZATION
There are provided systems and methods for determining processing weights of rule variables for rule processing optimization. A service provider, such as an electronic transaction processor for digital transactions, may utilize different decision services that implement rules for decision-making of data including real-time data in production computing environments. Rules may correspond to coded statements that perform an automated decision-making service for the computing services and platforms of the service provider. When writing rules, different variables for data objects may be utilized, where each variable may perform a different operation and/or utilize a different operation for fetching and retrieving data used during rule processing. Each variable may therefore have a different data processing weights based on processing requirements of the data. Thus, optimization of rule authoring may be performed by mapping variables to other similar variables and showing a processing weight of each variable.
G05B 13/02 - Adaptive control systems, i.e. systems automatically adjusting themselves to have a performance which is optimum according to some preassigned criterion electric
Techniques are disclosed relating to automatically determining whether an entity is malicious. In some embodiments, a server computer system generates a feature vector for an unknown website, where generating the feature vector includes preprocessing a plurality of structural features of the unknown website. In some embodiments, the system inputs the feature vector for the unknown website into a trained neural network. In some embodiments, the system applies a clustering algorithm to a signature vector for the unknown website and signature vectors for respective ones of a plurality of known websites output by the trained neural network. In some embodiments, the system determines, based on results of the clustering algorithm indicating similarities between signature vectors for the unknown website and one or more of the signature vectors for the plurality of known websites, whether the unknown website is suspicious. Determining whether the entity is suspicious may advantageously prevent malicious (fraudulent) activity.
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.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Techniques are disclosed relating to maintaining a high availability (HA) database. In some embodiments, a computer system receives, from a plurality of host computers, a plurality of requests to access data stored in a database implemented using a plurality of clusters. In some embodiments, the computer system responds to the plurality of requests by accessing data stored in an active cluster. The computer system may then determine, based on the responding, health information for ones of the plurality of clusters, wherein the health information is generated based on real-time traffic for the database. In some embodiments, the computer system determines, based on the health information, whether to switch from accessing the active cluster to accessing a backup cluster. In some embodiments, the computer system stores, in respective clusters of the database, a changeover decision generated based on the determining.
G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance
G06F 11/14 - Error detection or correction of the data by redundancy in operation, e.g. by using different operation sequences leading to the same result
G06F 11/20 - Error detection or correction of the data by redundancy in hardware using active fault-masking, e.g. by switching out faulty elements or by switching in spare elements
48.
EDGE CLOUD CACHING USING REAL-TIME CUSTOMER JOURNEY INSIGHTS
Systems and methods for smart cloud caching using edge computing and real-time customer journey insights are disclosed. In one embodiment, a system identifies a trend in communications received by a first edge cloud server, wherein each communication corresponds to a customer journey comprising user action steps performed in a client application. The system determines which user action steps cause API invocations to non-edge cloud servers and generates a sequence of API invocations in an order associated with the sequence of user action steps of the customer journey. The sequence of API invocations may be chained and/or bundled and stored in a cache for replication at edge cloud servers. The system may determine that the trend is pervasive in a geographical location based on satisfaction of a criteria, and replicate the cached sequence of API invocations at a cache of a second edge cloud server that services the geographical location.
There are provided systems and methods for automated configuration of augmented and virtual reality avatars for user specific behaviors. A user may view a virtual environment and/or capture visual data utilizing a device at a location, where the visual data includes one or more real-world objects, or may interact with a virtual reality environment. An augmented or virtual reality experience may be displayed with virtual objects, graphics, avatars, and/or other virtual visualizations and interactions. A service provider may detect real-time data of the user's behaviors and current events or parameters for the corresponding augmented or virtual reality. Using available avatar customizations and configurations, the service provider may automatically configure avatars for presentation in such digital environments. These customizations may be used to automate avatar configurations and presentations without requiring user inputs and based on real-time data, which may be specifically coded and configured dependent on a digital environment.
In various embodiments, a system and method for providing simplified checkout are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. Account information from the payment account of the user is retrieved from a payment data storage of the payment provider system. The account information is used in a payment transaction involving a merchant system. A payment interface having transaction fields populated with the account information retrieved from the payment account of the user is presented to the user while the user maintains a presence on a webpage of a merchant system.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Various methods and systems are provided to capture a unique product code, such as QR code, on a mobile device, process the information contained in the code, provide the user with options of making a purchase, including purchasing a plurality of selected products from different captured codes, and processing the payment via the user's mobile device.
Techniques are disclosed relating to weakly supervised machine learning, which may be employed when there is a limited amount of labeled data available. A computer system may generate respective sets of synthetic labels for unlabeled data for a classification problem, where a given set of synthetic labels is produced by a corresponding one of a plurality of different label models. The computer system may then fit a set of supervised models, where each supervised model is fitted with one of the respective sets of synthetic labels to produce a respective set of predictions. The computer system may then evaluate the set of supervised models based on their respective set of predictions and using a set of labeled data for the classification problem. The evaluation may be used to select a particular supervised model and its corresponding label model.
Methods and systems are presented for detecting physical tampering on a document based on analyzing an image of the document. When the image of the document is obtained, multiple contours are identified in the image based on pixel characteristics of the image. Dimension attributes of the contours are determined. Contours that are determined to correspond to borders or texts of the documents based on the dimension attributes are eliminated. A second text detection process based on a polygon method is performed on at least one remaining contour to determine whether the at least one remaining contour links multiple text elements together. The document is determined to have been physically manipulated when at least on contour remains in the image.
Systems and methods for use with a service provider and a consumer electronic device include a trusted remote attestation agent (TRAA) configured to perform a set of checking procedures or mechanisms to help ensure the security status of a consumer electronic device (e.g., a mobile terminal or phone) that holds financial instruments. The checking procedures may include: self-verifying integrity by the TRAA; checking for presence of a provisioning SIM card (one that was present when the financial instruments were enabled on the device); checking that a communication connection between the consumer electronic device and the service provider is available and active; and checking that communication connectivity to a home mobile network is available and active. The frequency of the checking mechanisms may be adjusted, for example, according to a risk-profile of a user associated with the device or the location (e.g., GPS location) of the device. The checks may be used, for example, to temporarily disable or limit the use of the financial instruments from the device.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04W 12/00 - Security arrangements; Authentication; Protecting privacy or anonymity
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
Systems and methods are described for adjusting decision reliability scores (e.g., weights) in weighted consensus algorithms for blockchains include accessing broadcast events in a blockchain, where the broadcast events correspond to a historic period of time. A broadcast decision provided by a participant in the blockchain for each of the broadcast events may be identified. A consensus decision for each of the broadcast events may be identified where the consensus decision indicates whether there is a consensus among participants in the blockchain that a corresponding broadcast event should be added as a new node to the blockchain. A success rate may be calculated for the participant based the identified broadcast decision provided by the participant for each of the broadcast events and the identified consensus decision for each of the broadcast events. Based on the success rate, the decision reliability score for the participant may be increased, decreased, or maintained.
Systems and methods are disclosed herein for a user to use a trusted device to provide sensitive information to an identity provider via QR (Quick Response) code for the identity provider to broker a website login or to collect information for the website. A user may securely transact with the website from unsecured devices by entering sensitive information into the trusted device. The identity provider may generate the QR code for display by the website on an unsecured device. A user running an application from the identity provider on the trusted device may scan the QR code to transmit the QR code to the identity provider. The identity provider may validate the QR code and may receive credential information to authenticate the user or may collect information for the website. Advantageously, the user may perform a safe login to the website from untrusted devices using the trusted device.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
57.
REDUCING FALSE POSITIVES IN ENTITY MATCHING BASED ON IMAGE-LINKING GRAPHS
Methods and systems are presented for performing comprehensive and accurate matching of user accounts with one or more known entities based on image-linking graphs. Images related to each known entity are retrieved from one or more online sources. Faces are extracted from the images. Based on attributes of the faces in the images, an image-linking graph is generated for the entity. When a user account is determined to be a potential match for the entity based on text-based attributes, an image associated with the account may be obtained. If the image matches with any one of the faces in the image-linking graph, an action is performed to the user account based on a position of the matched face in the image-linking graph.
There are provided systems and methods for utilizing a vehicle to determine an identity of a user. A user may establish a vehicle as associated with the user, such as a vehicle owned by the user or used by the user. The vehicle may include a vehicle device that may be configured to establish connections with other devices using short range and network communications. In various embodiments, the other devices may be devices at merchant locations. Thus, a merchant at the merchant location may be informed about settings, preferences, and/or parameters for use of the vehicle established by the user. The merchant may receive these parameters even if another user is utilizing the vehicle, thus, establishing rules for use of the vehicle by the other user. In other embodiments, the other devices may be devices in other vehicles, allowing the users to communicate and set waypoints during trips.
Methods and systems are presented for providing a framework for facilitating time-sensitive cryptocurrency transactions for users. When a request for processing a time-sensitive cryptocurrency transaction using funds from a cryptocurrency wallet is received from a user, a transaction system first verifies whether the cryptocurrency wallet has a balance to cover the cryptocurrency transaction. The transaction system also verifies the ownership of the cryptocurrency wallet based on an asynchronous method. The user generates verification data without any input from the transaction system, and based on a private key associated with the cryptocurrency wallet, a generator function, and a user-generated value. Without knowing the user-generated value, the transaction system verifies the ownership of the cryptocurrency wallet based on the verification data, and processes the transaction for the user.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
60.
Mobile Application Configurations To Enable Data Transfers
Various systems, mediums, and methods may involve a provider application configured to access a user account associated with a provider server. For example, a system may perform operations to identify one or more other applications installed on the mobile device that may be configured to communicate with the provider server. The system may determine data required by the other applications to perform one or more data transfers with the user account. The system may cause the provider application to send the data required to the other applications. As such, the other applications may be enabled to perform one or more data transfers with the user account based on the data sent to the other applications.
H04W 4/60 - Subscription-based services using application servers or record carriers, e.g. SIM application toolkits
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/10 - Payment architectures specially adapted for home banking systems
Methods and systems are provided for facilitating shared mobile payments. According to an embodiment, a user can initiate a purchase using a mobile device. The mobile device can display a total price for the purchase. The first user can cooperate with one or more second users to share the cost of the purchase. The cooperation can be facilitated via the first and second users' mobile devices.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
62.
VERIFICATION SYSTEM FOR PROVING AUTHENTICITY AND OWNERSHIP OF DIGITAL ASSETS
Methods and systems described herein may implement blockchain asset authentication. A verification system may generate an encryption key associated with a digital asset, wherein the digital asset is associated with a first entity. The verification system may sign the digital asset using the encryption key. The verification system may generate a first key and a second key based on the encryption key, wherein the first key and the second key are part of a set of multi-party secret keys. The verification system may send the first key to the first entity and store the second key on the verification system. The verification system may receive a request to authenticate the digital asset. The verification system may in response to the request to authenticate, generate the encryption key based on the first key and the second key. The verification system may authenticate the digital asset based on the recreated first secret.
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
H04L 9/00 - Arrangements for secret or secure communications; Network security protocols
Techniques for an ultra-fact software compilation of source code are provided. A compiler receives software code and may divide it into code sections. A map of ordered nodes may be generated, such that each node in the map may include a code section and the order of the nodes indicates an execution order of the software code. Each code section may be compiled into an executable object in parallel and independently from other code sections. A binary executable may be generated by linking executable objects generated from the code sections. The methodology significantly differs from existing source code compilation techniques because conventional compilers build executable sequentially, whereas the embodiments divide the source code into multiple smaller code sections and compile them individually and in parallel. Compiling multiple code sections improves the compilations in order of magnitude from conventional techniques.
A payment button on a device capable of making telephone calls, such as a mobile phone, allows a payer to electronically transfer money while in a phone call with a payee. The payment button also allows a payee to initiate an electronic payment transaction while in a phone call with a payer. The payment button may be a clickable or tappable virtual button presented on a display of the phone when being used to make or receive a call. The payer or the payee can simply enter a payment amount on the phone to complete an electronic payment transaction. A notification of payment is instantly transmitted to the phones being used for the phone call, so that the parties can safely and conveniently conclude a purchase and/or payment transaction during one phone call.
A system, computer-readable storage medium storing at least one program, and computer-implemented method for providing recommendations based on social network sharing activity. Sharing activity relating to the sharing of the content item on a social network by a first user is accessed. Consumption information related to the consumption of the content item. A correlation between the sharing activity and the consumption information is determined. A recommendation is then generated based on the correlation.
There are provided systems and methods for a machine learning model and narrative generator for prohibited transaction detection and compliance. A service provider server, such as an electronic transaction processor, may generate a machine learning model using a supervised training technique, which may detect transactions that may be money laundering. The model may be iteratively trained by detecting flagged transactions and outputting those transactions to an agent for identification of false positives, which may be used to retrain the model. When outputting the flagged transactions, a narrative may be generated using an explainer graph and a machine learning prediction explainer that identifies the features of the transaction data that caused the transactions to be flagged. Further, once the model is trained additional transactions may be processed to determine whether the features of those transactions indicate prohibited behavior.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06N 3/049 - Temporal neural networks, e.g. delay elements, oscillating neurons or pulsed inputs
Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
H04L 9/00 - Arrangements for secret or secure communications; Network security protocols
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: receiving a transaction request from an endpoint device on a network, wherein the endpoint device is registered with a transaction service provider; locating, based on the transaction request, an authorization token corresponding to a payment mechanism, wherein the authorization token is stored to a memory device of the router; in response to receiving the transaction request, transmitting the authorization token to the transaction service provider to retrieve transaction information from the transaction service provider, wherein the transaction information includes payment data for a user of the endpoint device; and transmitting the transaction information to the upstream network location, wherein the upstream network location includes a merchant server.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for home banking systems
H04W 88/00 - Devices specially adapted for wireless communication networks, e.g. terminals, base stations or access point devices
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
69.
Systems And Methods For Enabling Additional Devices To Check In To Bluetooth Low Energy (Ble) Beacons
Systems and methods are provided for checking many users in to a location using a Bluetooth® low energy (BLE) beacon. The provided systems and methods may allow a BLE beacon to facilitate a check in with a remote server that processes check ins and then disconnect from the device used to check in. The device may be assigned a unique identifier that may be broadcast from the device during the check in so that the BLE beacon can quickly scan for the identifier and connect with the device based on the identifier to provide content and other information to the device.
H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
H04W 4/21 - Services signalling; Auxiliary data signalling, i.e. transmitting data via a non-traffic channel for social networking applications
H04W 76/11 - Allocation or use of connection identifiers
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
H04B 7/26 - Radio transmission systems, i.e. using radiation field for communication between two or more posts at least one of which is mobile
H04W 40/24 - Connectivity information management, e.g. connectivity discovery or connectivity update
H04W 4/02 - Services making use of location information
H04W 4/06 - Selective distribution of broadcast services, e.g. multimedia broadcast multicast service [MBMS]; Services to user groups; One-way selective calling services
H04W 12/04 - Key management, e.g. using generic bootstrapping architecture [GBA]
H04W 76/34 - Selective release of ongoing connections
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
A payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
71.
CARBON NEUTRAL BLOCKCHAIN PROTOCOL FOR RESOLVING CARBON OFFSETTER PAYMENTS FOR CRYPTOCURRENCY TRANSACTIONS
There are provided systems and methods for a carbon neutral blockchain protocol for resolving carbon offsetter payments for cryptocurrency transactions. A service provider, such as an online transaction processor, may provide a green wallet and network protocol that provides carbon offsetting fees and payments to carbon offsetters in order to account for carbon emissions and usage when processing cryptocurrency transactions on a blockchain network protocol. A green wallet may be provided, which allows registration of carbon offsetters and use of green addresses to cause cryptocurrency to be processed in a green transaction. A user's digital wallet may sign an initial cryptocurrency transaction and provide the fee to the green wallet. The green wallet may then resolve the cryptocurrency transaction by further signing the transaction and transmitting the fee to a digital wallet of the carbon offsetter over another cryptocurrency processing network.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
72.
System and method for pattern detection in user accounts through fuzzy pattern matching
Various techniques are disclosed for providing dynamic, real-time pattern detection and linking between newly created user accounts and existing user accounts. Certain solutions include assessing matches of a new user account to nodes in a graphical representation of a machine learning algorithm based on predefined patterns in the properties of the new user account. The nodes in the graphical representation may each have different predefined patterns that have been determined based on patterns in previous information for user accounts, which can also be updated in real-time as needed. Accordingly, when a new user account is matched (e.g., assigned) to a node that has accounts with known issues associated with the node, the new user account may be flagged for increased scrutiny or other solutions.
Methods and systems are presented for evaluating the effects of different input features on a machine learning model. The machine learning model is configured to perform a task based on a first set of features. When a second set of features becomes available for performing the task, an evaluation model is generated for evaluating the effect of including the second set of features as input features for the machine learning model to perform the task. The evaluation model is configured to accept inputs corresponding to an output from the machine learning model and the second set of features. The performance in performing the task by the evaluation model is determined and compared against the performance of the machine learning model. Based on a performance gain of the evaluation model over the machine learning model, the machine learning model is modified to incorporate the second set of features as input features.
There are provided systems and methods for optimizing training data generation from real-time prediction systems for intelligent model training. A service provider, such as an electronic transaction processor for digital transactions, may utilize different computing environment and services that implement machine learning models and engines. The service provider may have a live adjudication environment where models use live data to adjudicate on requests by users, as well as an audit environment where models are trained and tested before deployment. Models may have directed graphs that designate the model dependencies on variables that are processed and values for those variables are used for an output. When variables are shared between models in the adjudication and audit environment, the values for the shared variables may be published to the audit computing environment for use without reloading and processing data, thereby reducing computational load from the audit environment.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Systems and methods for providing merchant/customer interaction include determining that a tablet computer is in a merchant orientation, retrieving merchant product information according to a received instruction and merchant orientation information, and displaying a merchant screen on the tablet computer that includes the merchant product information according to the merchant orientation information. A change in the orientation of the tablet computer enclosure/stand is then detected from the merchant orientation to a customer orientation. In response, the merchant screen is transitioned on the tablet computer display to a customer screen as the tablet computer enclosure/stand changes orientations by moving the merchant screen and the customer screen linearly while in a stacked orientation. The customer screen includes the merchant product information displayed according to customer orientation information such that the merchant product information is displayed differently on the customer screen relative to the merchant screen.
G06F 1/16 - Constructional details or arrangements
G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
G06F 3/0346 - Pointing devices displaced or positioned by the user; Accessories therefor with detection of the device orientation or free movement in a 3D space, e.g. 3D mice, 6-DOF [six degrees of freedom] pointers using gyroscopes, accelerometers or tilt-sensors
G06F 3/03 - Arrangements for converting the position or the displacement of a member into a coded form
G06F 3/0487 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
Techniques are disclosed relating to generating trained machine learning modules to identify whether user interfaces accessed by a computing device match user interfaces associated with a set of Internet domain names. A server computer system receives a set of Internet domain names and generates screenshots for user interfaces associated with the set of Internet domain names. The server computer system then trains machine learning modules that are customized for the set of Internet domain names using the screenshots. The server then transmits the machine learning modules to the computing device, where the machine learning modules are usable by an application executing on the computing device to identify whether a user interface accessed by the device matches a user interface associated with the set of Internet domain names. Such techniques may advantageously allow servers to identify whether user interfaces are suspicious without introducing latency and increased page load times.
Methods, systems, and computer program products for providing attribute-based card combinations for digital wallets are disclosed. A computer-implemented method may include associating a first asset with a digital wallet, associating a second asset with the digital wallet, receiving a request to determine a relationship between the first asset and the second asset in the digital wallet, determining the relationship between the first asset and the second asset in the digital wallet, creating the relationship between the first asset and the second asset in the digital wallet, notifying a user of the digital wallet about how a change to the first asset in the digital wallet is to affect the second asset in the digital wallet based on the relationship between the assets, and performing a transaction involving the digital wallet based on the relationship between the first asset and the second asset in the digital wallet.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Techniques are disclosed relating to automatically determining image quality for images of documents. In some embodiments, a computer system receives an image of a document captured at a user computing device. Using a neural network, the computer system analyzes the image to determine whether the image satisfies a quality threshold, where the analyzing includes determining whether one or more features in the image used in an authentication process are obscured. The computer system transmits, to the user computing device, a quality result, where the quality result is generated based on an image classification output by the neural network. Automatically determining whether a received image of a document satisfies a quality threshold may advantageously improve the chances of a system being able to complete an authentication process quickly, which in turn may improve user experience while reducing fraudulent activity.
G06V 10/98 - Detection or correction of errors, e.g. by rescanning the pattern or by human intervention; Evaluation of the quality of the acquired patterns
G06V 10/82 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using neural networks
G06V 10/77 - Arrangements for image or video recognition or understanding using pattern recognition or machine learning using data integration or data reduction, e.g. principal component analysis [PCA] or independent component analysis [ICA] or self-organising maps [SOM]; Blind source separation
G06V 30/413 - Classification of content, e.g. text, photographs or tables
G06V 10/774 - Generating sets of training patterns; Bootstrap methods, e.g. bagging or boosting
G06V 10/94 - Hardware or software architectures specially adapted for image or video understanding
Methods and systems are presented for providing a framework for facilitating offline cryptocurrency transactions. A first application executed in a first secure enclave of a first device can register itself with a cryptocurrency computer network for initiating offline cryptocurrency transactions and reserve a denomination of cryptocurrency for the offline cryptocurrency transactions based on a token. The first application initiates an offline cryptocurrency transaction with a second application executed in a second enclave of a second device by transmitting a request comprising the token via a peer-to-peer connection. The second application verifies the request based on the token and attributes associated with the first application and the first secure enclave. Upon accepting the request, the second application stores the token in the second secure enclave. When a connectivity with a distributed ledger is available, the second application commits the offline cryptocurrency transaction to the distributed ledger.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
Systems and methods for data management using machine learning and artificial intelligence techniques related to topic modeling on text comments are described. The text comments may correspond to a particular transaction conducted by a user. Machine learning text analysis is performed on the text comment to determine one or more topics associated with the text comment. The topic with the highest correlation to the text comment is assigned to the transaction claim. Based on the topic assigned to the transaction claim, various actions may be performed, including remedial actions on a user account. These techniques may be applicable to chargeback fraud, in some embodiments.
Methods and systems are presented for providing a framework to integrate independent fragment modules into an integrated user interface. The fragment modules can be simultaneously rendered on a user interface page or sequentially rendered across multiple user interface pages. The fragment modules are configured to interact with a user via the user interface. The interactions with the user may trigger an event. When an event associated with a fragment module occurs, the fragment module is configured to broadcast the event. An orchestrator is configured to monitor events associated with different fragment modules. The orchestrator may include an event handler for performing one or more action in response to an event. The action may include configuring another fragment module to modify a presentation and/or perform a transaction based on the event.
Systems and methods for automatic generation of free-form conversational interfaces are disclosed. In one embodiment, a system receives an input from a user device through a conversational graphical user interface (GUI). An intent of the user may be determined based on the received input. Based on the intent of the user, the system may identify, from a plurality of objects available to the system, one or more objects. Each of the plurality of objects has annotations corresponding to one or more elements of the object and one or more functions of the object. The one or more functions corresponding to the one or more elements are executable to perform an action upon corresponding elements. Based on the identified one or more objects and the annotations of the identified one or more objects, the system may generate a dynamic dialogue flow for the conversational GUI, where the dynamic dialogue flow is generated in real-time during a conversational GUI session.
G06F 16/9035 - Filtering based on additional data, e.g. user or group profiles
H04L 51/216 - Handling conversation history, e.g. grouping of messages in sessions or threads
H04L 51/02 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail using automatic reactions or user delegation, e.g. automatic replies or chatbot-generated messages
Various systems, mediums, and methods herein describe aspects of personal information platforms accessible with client devices over communication networks in data infrastructures. A system may determine data associated with a user. The system may determine a personal information platform (PIP) based on the data associated with the user, where the PIP is configured to identify a number of data types from the data associated with the user. The system may determine accesses for one or more entities to the number of data types based on one or more services provided by the one or more entities to the user. The system may cause a client device to display an indication of the PIP, where the indication provides the one or more accesses of the one or more entities.
There are provided systems and methods for enabling user to user interactions in multi-user video conference applications. A user may utilize a computing device to interact with online service providers in order to initiate and/or join a video conference with one or more other users. During the video conference, the user may be provided with options to interact with other users, such as by engaging in electronic transaction processing. When performing such interactions, data for the video conference may be extracted and provided to a transaction processor server. The server may then utilize the data to determine accounts of users within the video conference that may be utilized for electronic transaction processing services. If no account exists, the server may initiate a process to onboard such users. When an account exists, the server may further populate graphical icons that may be used for electronic transaction processing services.
G06Q 20/10 - Payment architectures specially adapted for home banking systems
G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 20/30 - Payment architectures, schemes or protocols characterised by the use of specific devices
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04L 65/402 - Support for services or applications wherein the services involve a main real-time session and one or more additional parallel non-real time sessions, e.g. downloading a file in a parallel FTP session, initiating an email or combinational services
Methods and systems are presented for providing a framework that configures a machine learning model to be insensitive to changes in input features. A computer modeling system determines data sources from which attribute values associated with transactions can be obtained. Instead of configuring the machine learning model to accept the attribute values as inputs, the computer modeling system may configure the machine learning model to accept a vector representation in a multi-dimensional space as input values. The computer modeling system then generates an encoder for each data source. Each encoder is configured to encode attribute values from a corresponding data source to a representation representing the attribute values. Further, each encoder is trained to minimize a variance between outputs of the different encoders. The computer modeling system determines a vector representation based on the representations generated by the encoders and provide the vector representation to the machine learning model.
A system and method for investigating trust scores. A trust score is calculated based on peer transfers, a graphical user interface displays actuatable elements associated with a first peer transfer from the peer transfers, in response to receiving an indication the first actuatable element has been actuated, recalculating the trust score without the first peer transfer.
Methods and systems for a device identification system may be provided. The device identification system may determine an identity of a user device associated with a transaction. The identity may be determined by network address information, hard link information, soft link information, and/or other such information. The network address information may include IPv4 information, IPv6 information, a device ID, and/or other such information. The identity of the user device may be determined and a transaction conducted from the user device may be assigned a fraudulent transaction risk score according to the information. Transactions that are determined to be at a high risk of fraud may be reviewed or otherwise flagged and/or canceled.
There are provided systems and methods for a machine learning-based network trained to perform risk assessment through device data. A service provider server receives device data of a user device associated with a merchant account registered with a merchant server for a merchant service, and receives, from the merchant server, a request containing a unique token identifier for initiating a risk assessment operation to generate a device assessment score for the user device, where the device assessment score indicates a level of risk between the user device and the merchant account. The service provider server selects a risk assessment engine to perform the risk assessment operation and generates the device assessment score and a narrative for the device assessment score, and sends, to the merchant server through an application programming interface, a message containing a unique device identifier for the user device, the device assessment score and the narrative.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Methods and systems for facilitating a two-way user accounts onboarding and linking across multiple service providers are presented. Upon logging in a user device to a first user account of a first service provider, a first user interface associated with the first service provider is provided on the user device. Through the first user interface, a user of the user device may request creating a second user account with a second service provider. The first service provider may then exchange access tokens and refresh tokens with the second service provider to link the first user account with the second user account. After the linking, the first service provider may configure the first user interface to provide the user access to the second user account without requiring the user to log in to the second user account.
In one embodiment, a method is illustrated as including defining a set of perspective objects capable of being placed onto a modified web page, monitoring parameters of a web page, the parameters including a number of times a current object is executed on the web page, using an Artificial Intelligence (AI) algorithm to determine a perspective object with a preferred Return On Investment (ROI), and selecting the perspective object to be placed onto the modified web page.
G06Q 10/0637 - Strategic management or analysis, e.g. setting a goal or target of an organisation; Planning actions based on goals; Analysis or evaluation of effectiveness of goals
G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
G06Q 40/06 - Asset management; Financial planning or analysis
G06F 16/957 - Browsing optimisation, e.g. caching or content distillation
Techniques are disclosed relating to automatically generating and analyzing database queries. In various embodiments, a database inquiry assistance system maintains a first machine learning model trained using query history data for a database and a second machine learning model using analysis history for the database. In an embodiment, the system receives from a user system a request for an inquiry into data stored in the database and identifies a sequence of queries for responding to the request, where identifying the sequence of queries includes applying the second machine learning model to the request. The system generates corresponding database query code for implementing one or more of the queries in the sequence of queries, where generating the corresponding database query code includes applying the first machine learning model to descriptors of one or more of the queries, and sends a plan identifying the sequence of queries to the user system.
Techniques are disclosed relating to selection of miners/validators in a decentralized cryptographic network. In some embodiments, a request to add a transaction to a blockchain includes a cryptographic signature associated with provision of a second transfer fee, in addition to a first transfer fee, to miners/validators who meet a set of one or more criteria. Disclosed techniques may advantageously allow steering of blockchain requests to a desired subset of miners/validators.
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
93.
NON-FUNGIBLE TOKEN (NFT) PURCHASE AND TRANSFER SYSTEM
Methods and systems for enabling off-chain transactions via a non-fungible token (NFT) marketplace are provided. A plurality of digital wallets associated with a service provider are provided with access to the NFT marketplace. The NFT marketplace corresponds to a decentralized blockchain associated with an entity that is different from the service provider. A request to perform a transaction involving a purchase, via the NFT marketplace, of an NFT associated with a specified source address is received from a first user of the service provider associated with a first identifier and a first digital wallet. Responsive to determining that the specified source address corresponds to a second user of the service provider associated with a second identifier and a second digital wallet, an identifier associated with the NFT is updated from the second identifier associated with the second user to the first identifier associated with the first user.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
Techniques are disclosed relating to a delayed presentation of authentication challenge for users, such as in the context of a chat session. In various embodiments, a server system receives an indication of a request for service initiated by a user in a chat session within an application executed by a client device. The request for service involves an authentication of the user that is dependent on the authentication being successfully completed within a particular time period after the authentication is initiated. The server system delays the initiation of authentication for the request for service until a readiness condition is satisfied. The readiness condition includes the server system being available to process the request for service, as well as subsequently detecting engagement with the user relating to the request for service. In response to the readiness condition being satisfied, the server system initiates the authentication of the user.
Methods and systems described herein may implement blockchain cryptocurrency transactions in a variety of environments. An online transaction processor may provide operations for cryptocurrency conversions. The transaction processor may detect that a user is involved in a cryptocurrency transaction with another entity, which is requested to be processed using an amount of cryptocurrency and using an off-chain amount of the cryptocurrency. The transaction processor may determine that the entity does not have a digital wallet, node, or the like on a layer two network to receive and/or process the off-chain balance for the cryptocurrency. The transaction processor may then, after a risk assessment, determine that the user may access the amount of the cryptocurrency from an on-chain balance available to a digital wallet of the cryptocurrency. The transaction processor may make that on-chain amount available and may request repayment via the user's off-chain balance.
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
96.
Techniques for data log processing, retention, and storage
Techniques are disclosed relating to retaining a log entry in response to detection of a respective triggering event occurring within a computer network. This triggering event may result in a set of processes being performed. A computer system may determine a trace signature for the log entry. This trace signature may track information related to the set of processes. The computer system may compute, using the trace signature, a log retention value for the log entry. This log retention value may be computed using weight factors for ones of the set of processes. The computer system may retain the log entry within a log file according to a retention period that corresponds to the log retention value.
Aspects of the present disclosure involve systems, methods, devices, and the like for user authentication. In one embodiment, the user authentication occurs using a multi-provider platform. The multi-provider platform enables the use and retrieval of user information from the given provider for the use and assessment of information associated with the user. User information may also be received over a web link communicated at least in part by a risk checkpoint component to a user device, wherein the user information received and that retrieved may be jointly used for determining user authentication.
Methods and systems described herein may implement non-fungible tokens that implement a programmable grammar-based syntax in a variety of environments. In an embodiment, a first non-fungible token that implements a programmable grammar-based syntax standard and includes a first updatable programmable section is generated. The first non-fungible token includes at least one of first executable instructions or first data, and a first portion of the at least one of the first executable instructions or the first data is stored, according to the grammar-based syntax standard, in the first updatable programmable section. The first non-fungible token may then be stored at a first blockchain address on a blockchain, and the first portion of the at least one of the first executable instructions or the first data in the first updatable programmable section of the first non-fungible token is subsequently changed to at least one of second executable instructions or second data.
H04L 9/06 - Arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
G06F 40/211 - Syntactic parsing, e.g. based on context-free grammar [CFG] or unification grammars
99.
MULTI-DOMAIN FEATURE ENHANCEMENT FOR TRANSFER LEARNING (FTL)
Methods and systems are presented for configuring and training a machine learning model using transfer learning techniques that can transfer knowledge among multiple domains that do not share an identical feature set. Instead of using any feature set associated with a domain, a feature arrangement that combines all of the feature sets associated with the multiple domains in a particular organization for configuring and training the machine learning model. The feature arrangement includes a domain independent section and multiple domain-specific sections corresponding to the multiple domains. The domain independent section includes common features that are common across the multiple domains. Each of the domain-specific sections includes a feature set associated with the corresponding domain. The machine learning model that is configured in this manner can be trained to learn knowledge across the multiple domains and subsequently perform tasks for the multiple domains.
Methods and systems are presented for providing explainable artificial intelligence for a deep-learning model on a global level. Multiple surrogate models are generated based on characteristics of the deep-learning model, where each surrogate model is configured to mimic a behavior of the deep-learning model with respect to one of the output dimensions associated with the deep-learning model. Simulations are performed on the surrogate models. Based on the simulation results, importance scores are calculated for each input feature of the deep-learning model. An importance score calculated for an input feature represents an extent to which the input feature contributes to a corresponding one of the output dimensions associated with the deep-learning model. The importance scores may then be used to modify the characteristics of the deep-learning model or other downstream machine learning models.
patents
