A cardholder authentication method includes receiving, at an authentication network, an authentication request involving an account. The method further includes determining, based at least in part on a portion of an account identifier associated with said account, an authentication service. In addition, the method includes determining, based at least on said authentication service and a portion of said account identifier, an authentication response. The method also includes transmitting, to a merchant associated with a transaction involving said account, said authentication response.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
The present disclosure relates to a computer-implemented method of processing a data transfer. The method comprises generating a first identifier for a first entity; linking the first identifier with a second identifier associated with a second entity; sending the first identifier and the second identifier to the first server; verifying the first entity based at least on the first identifier and the second identifier; sending a message to a second server, the message comprising at least the first identifier, the second identifier, and a name associated with the first identifier; and authenticating the data transfer for the first entity based at least on the information contained in the message.
Disclosed are various computer implemented devices, methods and readable mediums for security and authentication. In one aspect there is provided a wearable device for authenticating a user, including: one or more sensors for obtaining sensor data related to movement of fingers of the user wearing the wearable device to provide authentication data; and one or more processors configured to: receive the sensor data; interpret the sensor data using one or more classifiers to determine the authentication data; and use the authentication data to access a service.
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
G06F 21/35 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes communiquant sans fils
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
Systems and methods for linking a plurality of data records to a tokenized identifier such that each data record is accessible via the tokenized identifier are disclosed. A first data record associated with a first account and a second data record associated with a second account may be loaded into a digital wallet. Next, a token primary account number (PAN) may be generated and linked to the first account and the second account. Available prepaid funds associated with the first account may be verified and displayed on a user interface. In response to an initiation of a transaction, an optimal payment structure based on the available funds of the first account may be determined. In response to authorization of the transaction from the issuing banks associated with the first account and the second account, an authorization message may be sent to a bank associated with the token PAN.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
5.
METHODS AND SYSTEMS FOR IDENTIFYING INVALID CERTIFICATES
Embodiments provide methods and systems for determining validity of certificates while performing a transaction in a network. A method performed by server system includes receiving a check certificate request message from a plug-in server upon detecting by the plug-in server that a certificate associated with an access control server (authentication server) during a payment transaction is invalid. The check certificate request message includes at least a message reference identifier. The method further includes accessing one or more certificate attributes of the certificate associated with the authentication server based, at least in part, on message reference identifier; determining validity of the certificate associated with the authentication server based, at least in part, on the one or more certificate attributes; and transmitting an update certificate request message to the authentication server based, at least in part, on determining that the certificate associated with the authentication server is invalid.
Methods and server systems for computing fraud risk scores for various merchants associated with an acquirer described herein. The method performed by a server system includes accessing merchant-related transaction data including merchant-related transaction indicators associated with a merchant from a transaction database. Method includes generating a merchant-related transaction features based on the merchant-related indicators. Method includes generating via risk prediction models, for a payment transaction with the merchant, merchant health and compliance risk scores, merchant terminal risk scores, merchant chargeback risk scores, and merchant activity risk scores based on the merchant-related transaction features. Method includes facilitating transmission of a notification message to an acquirer server associated with the merchant. The notification message includes the merchant health and compliance risk scores, the merchant terminal risk scores, the merchant chargeback risk scores, and the merchant activity risk scores.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
7.
ARTIFICIAL INTELLIGENCE BASED METHODS AND SYSTEMS FOR PREDICTING CREDITWORTHINESS OF MERCHANTS
Embodiments provide methods and systems for determination of creditworthiness of a first merchant. The method performed by a server system includes receiving invoice data of the first merchant from a merchant invoice database. The invoice data includes information of past invoices associated with the first merchant. Additionally, the method includes generating a homogeneous graph based, at least in part, on the information of past invoices. Further, the method includes determining a feature representation of the first merchant based on data features associated with the first merchant in the homogenous graph. Furthermore, the method includes calculating a credit risk score for the first merchant based on the credit risk score model.
Methods and server systems for improving accuracy of authorization optimizer are described herein. Method performed by server system includes receiving a Non-Sufficient Funds (NSF) error message from an acquirer server. Method includes accessing historical transaction data from a transaction database. The historical transaction data includes transaction related information associated with a plurality of users. Method includes generating a plurality of transaction features associated with the user based on the historical transaction data. Method includes determining via an authorization optimizer model, an optimal time slot from a plurality of time slots for the user based on the plurality of transaction features associated with the user. The optimal time slot indicates an optimal time window for the acquirer server to transmit an upcoming recurring payment request to the payment account of the user. Method includes facilitating transmission of a notification message including the optimal time slot to the acquirer server.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
9.
Systems and Methods for Use in Authenticating Users in Connection With Network Transactions
Systems and methods are provided for authenticating users. An exemplary method includes receiving, by a directory server (DS), an authentication request for a transaction to an account where the request includes a token and a cryptogram, and transmitting the token and cryptogram to a digital service server (DSS). The method also includes mapping, by the DSS, the token to an account number for the account, validating the cryptogram, generating a directory server nonce (DSN) for the request, and transmitting the DSN and the account number to the DS. The method further includes transmitting, by the DS, the DSN and the account number to an access control server (ACS) associated with an issuer of the account and, in response to an issuer authentication value (IAV), compiling an accountholder authentication value (AAV) including the IAV, the DSN and an amount of the transaction and transmitting the AAV to a merchant or server.
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
10.
SYSTEMS AND METHODS FOR MERGING NETWORKS OF HETEROGENEOUS DATA
A method and system for merging heterogeneous data types are provided. The method includes receiving a first corpus of first data, the first data includes an indicator of an interaction between a first element of the first corpus of first data and a second element of the first corpus of first data, receiving a second corpus of second data, the second data includes an indication of an interaction between a third element of the second corpus of second data and a fourth element of the second corpus of data, and generating a third matrix using correlations of the first and second elements with correlations of the third and fourth elements.
Described herein is a data security system for enabling tokenized access to sensitive data, including a token provider configured to initiate a secure connection with a remote client computing device of a first data subject, and receive, from the remote client computing device, a request for an access token to provide a service provider with access to sensitive data associated with the first data subject. The request includes a data definition and authorization parameters including a data source identifier. The token provider is also configured to generate the access token that enables access to the sensitive data from the data source, store the access token in a token database, and transmit, to the remote client computing device, a response including the access token and instructions that enable the remote computing device to display the access token to the first data subject or transmit the access token to the service provider.
G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
G06F 21/36 - Authentification de l’utilisateur par représentation graphique ou iconique
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p.ex. pour des dossiers électroniques de patients
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
The present invention relates to an apparatus, a method, and a system for determining location. The apparatus comprises an apparatus comprising a camera, and a processor. The camera is configured to capture an image of a microscopic object located at a predetermined location. The microscopic object comprises coded information. The processor is configured to process the image to decode the coded information and to determine a location of the device as being the predetermined location based on the decoded information. The apparatus may further comprise a manually operated inventory carrier (such as a shopping trolley or cart) or a robotic inventory carrier. The predetermined location may be in a supermarket or an inventory facility. The microscopic object may comprise a QR code or other barcode, and may be one of an array or repeating patterns of microscopic objects.
A token management computing system for provisioning at least one secure payment token for use in payment transactions is provided. The token management computing system includes a token storage device in communication with a plurality of user computing devices each associated with a respective user, and a token management (“TM”) server. The TM server is programmed to receive a token request for at least one token, generate, upon receiving the token request, the at least one token, wherein the at least one token includes at least one of i) a prepaid token including prepaid funds, ii) multiple tokens each associated with a different user, and iii) a budgeting token associated with a plurality of virtual budget accounts.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
14.
SYSTEM AND METHOD FOR AUTHENTICATION OF PROCESSED AUDIO FILES
An audio file authentication system configured to extract a plurality of audio features for a plurality of raw audio files containing a digital recording of a specific user's voice, provide an authenticated audio file that includes a digital recording the specific user's voice based on the authentication information for the specific user, generate a parent hash key and sequential child hash keys that are unique to the authenticated audio file, and generate a processed audio file in which the parent hash key and each of the sequential child hash keys is inserted sequentially as data within the audio gaps of the audio file.
G10L 17/06 - Techniques de prise de décision; Stratégies d’alignement de motifs
G10L 17/02 - Opérations de prétraitement, p.ex. sélection de segment; Représentation ou modélisation de motifs, p.ex. fondée sur l’analyse linéaire discriminante [LDA] ou les composantes principales; Sélection ou extraction des caractéristiques
G10L 17/04 - Entraînement, enrôlement ou construction de modèle
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
15.
METHODS AND SYSTEMS OF USING SUB-DOMAINS TO FEDERATE DEVICE CREDENTIALS SCOPED TO A COMMON DOMAIN
A computer-implemented method for authenticating a user device via a device credential scoped to a common domain shared among a plurality of payment networks may be provided. The method may include receiving, by a server of a payment network, a first request redirected from a sub-domain assigned to the payment network to a domain name associated with the payment network, responsive to the first request, transmitting, to the user device, an authentication request comprising a challenge, a user identifier that identifies the user, and the common domain to which the device credential is scoped, receiving, from the user device, a response, accessing the device credential, the device credential having been stored by the payment network, validating the response based on the device credential, and causing, by the server, the user identifier and the device credential to be federated to the other ones of the plurality of payment networks based on the validating.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
16.
SYSTEMS AND METHODS FOR INCORPORATING BREACH VELOCITIES INTO FRAUD SCORING MODELS
A method and system for detecting fraudulent network events in a payment card network by incorporating breach velocities into fraud scoring models are provided. A potential compromise event is detected, and payment cards that transacted at a compromised entity associated with the potential compromise event are identified. Subsequent transaction activity for the payment cards is reviewed, and a data structure for the payment cards are generated. The data structure sorts subsequent transaction activity into fraud score range stripes. The data structure is parsed over a plurality of time periods, and at least one cumulative metric is calculated for each of the time periods in each fraud score range stripe. A plurality of ratio striping values are determined, and a set of feature inputs is generated using the ratio striping values. The feature inputs are applied to a scoring model used to score future real-time transactions initiated using the payment cards.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
Described is a computer system for creating a digital record of a physical item of value. The computer system includes a network computer device comprising at least one processor communicatively coupled to at least one memory and a distributed network of computer nodes each associated with a respective entity of a plurality of entities, each computer node comprising a camera and an optical character recognition (OCR) application executable thereon, each computer node is communicatively coupled to the network computer device.
Systems and methods are provided for use in redeeming tokens. One example computer-implemented method includes receiving, by a processing network, from a first institution, an authorization request for redemption of a token by a user and checking a data structure escrow address associated with the redemption of the token. The method also includes, in response to the data structure address being indicative of the token, authorizing the redemption, whereby the institution transfers value associated with the token to the user.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
A method for facilitating permission-based cryptographic transactions across service providers includes: receiving an onboarding request including permission data and an identification value from a first computing system, the identification value being associated with a first blockchain wallet for a blockchain associated with a blockchain network; generating a permission token based on the permission data and an alias, the permission token including verified identity data points; transmitting the generated alias to the first computing system in response to the onboarding request; receiving a token request from a second computing system, the token request including the alias; and transmitting the generated permission token identification value to the second computing system in response to the token request.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
20.
PLATFORM-AGNOSTIC ENTITY IDENTIFICATION THROUGH COMPUTATIONAL MODELING
The disclosure relates to methods and systems of generating a platform-agnostic identification of an entity through rules-based computational modeling of entity relationships. For example, the platform-agnostic identification of an entity may be used to identify an acquirer entity across different data platforms, such as payment networks, that each assign respective acquirer identifiers to the acquirer entity. The computational modeling may generate a mapping between a first acquirer identifier assigned by a first payment network to the acquirer entity and a second acquirer identifier assigned by a second payment network to the acquirer entity. The mapping may be based on an anchor value that is associated with both the first acquirer identifier and the second acquirer identifier. The mapping may be validated by multi-validation rules and/or issuer-validation rules that reduce false positive results that may occur through computational modeling.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
21.
ACCELERATED VIRTUAL CARD PAYMENTS IN B2B TRANSACTIONS
The disclosure herein relates to methods and systems of that facilitate instant payment of invoices based on automatic, intelligent, predictions that a buyer will approve an invoice without express input by the buyer. For example, a system may determine a probability that an invoice will be approved for payment by a buyer with express approval from the buyer. Once an invoice is automatically approved for payment, the system may employ various automated systems to facilitate payment to suppliers without the need for suppliers to extract virtual card data or other payment information from email payment requests or other invoice payment requirements to receive payment. For example, the system may generate calls to automatically generate virtual card numbers on behalf of buyers and submit payment messages for payments to suppliers using the virtual card numbers.
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/016 - Fourniture d’une assistance aux clients, p. ex pour assister un client dans un lieu commercial ou par un service d’assistance après-vente
22.
CONSERVING SYSTEM RESOURCES WITH CREDENTIAL DIGITIZATION AND ENROLLMENT
Examples provide a system and method for digitization of payment credentials via a point-of-sale (POS) device. When a physical payment credential is presented, the system determines, in real-time, if the credential is enrolled in a digitized payment credential service. If the credential is not enrolled and the user is qualified for enrollment based on eligibility rules, the system prompts the user to consent to automatic enrollment via the POS device. If consent is obtained, the system triggers digitization of the payment credential, which is stored at the digitized payment credential service. A token corresponding to the digitized payment credential is linked to one or more identifiers of the user, such as email, phone number, shopper account number, biometric data, or other identifiers. When enrollment is complete, the user can provide linked identifier(s) at the POS to complete payment of future transaction without presenting the tokenized physical payment credential.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
Systems and methods are provided for replicating data between different services used to update databases. One example system includes a database and a computing device coupled in communication with the database, wherein the computing device is configured to perform a create, update or delete operation on the data included in the database and to post an entry representative of the operation to an outbox data structure. The computing device is also configured to retrieve the entry from the outbox data structure; publish the entry as a first message to a message bus, thereby informing a different data system of the operation in the database; receive a second message from the message bus indicative of a create, update or delete operation at a database included in a different data system; and direct a service of the system to perform the create, update or delete operation of the second message.
G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
G06F 16/25 - Systèmes d’intégration ou d’interfaçage impliquant les systèmes de gestion de bases de données
Various implementations described herein may refer to a compliance platform for use with identity data. In one implementation, a method may include receiving a compliance data package from a user, where the compliance data package includes encrypted evidence data corresponding to digital identity data of the user. The method may also include encrypting the compliance data package using a first cryptographic key. The method may further include generating a user key shard, a requestor key shard, and a regulator key shard based on the first cryptographic key. The method may include generating an unlock data package that includes the requestor key shard and encrypting the unlock data package using a second cryptographic key. The method may also include transmitting the user key shard, the encrypted unlock data package, and the encrypted compliance data package to the user. The method may include transmitting the regulator key shard to a regulator.
H04L 9/14 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité utilisant plusieurs clés ou algorithmes
G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p.ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]
Methods and server systems for detecting fraudulent transactions are described herein. Method performed by server system includes accessing base graph including plurality of nodes further including plurality of labeled nodes and unlabeled nodes. Method includes assigning via Graph Neural Network (GNN) model, fraudulent label or non-fraudulent label to each unlabeled node based on the base graph. This assigning process includes generating plurality of sub-graphs based on splitting the base graph and filtering these sub-graphs via Siamese Neural Network model based on pre-defined threshold values. Then, the GNN model generates plurality of sets of embeddings based on plurality of filtered sub-graphs. Further, aggregated node embedding is generated for each node and then, final node representation for each node is generated via dense layer of GNN model. Then, fraudulent label or the non-fraudulent label is assigned to each unlabeled node of plurality of unlabeled nodes based on final node representation.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
A data center rack assembly includes a rack, an electronic device, and an adjustable air duct. The rack includes a frame defining opposite first and second rack sides spaced apart in a longitudinal direction. The electronic device presents an intake side configured to receive air therethrough for passage into the electronic device. The electronic device is mounted to the frame such that the intake side is disposed intermediately between the rack sides and is spaced from the first rack side to define a longitudinal dimension therebetween. The duct includes relatively shiftable first and second duct sections that extend in the longitudinal direction to cooperatively present an adjustable longitudinal duct length, and a drive mechanism operably coupled to the first and second sections to control relative shifting of the sections in the longitudinal direction to thereby adjust the longitudinal duct length to correspond with the longitudinal dimension.
The invention secures contactless payment cards against misuse at ‘unattended type’ terminal devices having near field communication capabilities. The invention involves receiving from a communication device a first unique identifier associated with a contactless payment card, and a second unique identifier associated with the communication device. Transmission of the first unique identifier and the second unique identifier from the communication device is implemented in response to the communication device detecting a contactless card tap event, and the communication device retrieving the first unique identifier from the contactless payment card. The invention involves selectively implementing one of a first payment authorization communication flow and a second payment authorization communication flow. The selective implementation is based on whether the first and second unique identifiers have been recorded within a database that stores combinations of payment card identifiers and communication device identifiers for payment transactions that have been previously successfully authorized.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
28.
SYSTEM AND METHOD FOR PROVIDING PUSH PAYMENT TRANSACTION PROCESSING IN A CARD-PRESENT ENVIRONMENT
Systems and methods for providing push payment transaction processing in a card-present environment are provided. The described push payment transactions processing enables a user having any form factor visiting at a merchant location accepting payment cards to perform push payment transactions. Indeed, push payment transactions can be supported from physical point-of-sale (“POS”) or originate from POS terminals. During the described push payment transaction processing, a merchant acquirer can receive, from a POS terminal, a push payment transaction request comprising at least a transaction type indicating a push payment transaction, transaction information, authorization data, and sender information. In response to receiving the push payment transaction request, the merchant acquirer can generate an application programming interface (API) request package comprising the push payment transaction request; and communicate the API request package to an intermediary platform connected to a payment network.
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
29.
METHODS AND SYSTEMS FOR EXTENDING INSTALLMENT OPTIONS
Systems and methods are provided for use in providing users with options at points of interaction. One example method includes posting a record for an installment option to an immutable data structure, where the record includes a total amount, payment terms associated with multiple installments, a first hashed value associated with a first party, and an identifier of the first party. The method also includes receiving a request related to the record, where the request includes a secret and a second hashed value, and validating the request based on the secret and the first hashed value included in the immutable data structure. The method then includes, based on validation of the request, coordinating a fund transfer consistent with the request and updating the record included in the immutable data structure to include the second hashed value in association with the identifier of the first party.
G06Q 20/24 - Schémas de crédit, c. à d. de "paiement différé"
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
30.
SYSTEMS AND METHODS FOR USE IN SECURING BACKUP DATA FILES
Systems and methods are provided for backing up a data file. One example computer-implemented method includes generating an L4 key and, for each contact attribute of the data file, generating an L3 file including the L4 key and an identifier of a user and encrypting the L3 file with an un-masked version of the contact attribute. The method also includes compiling the encrypted L3 file(s) and the masked version(s) of the contact attribute(s) into an L2 file, generating an L2 key, encrypting the L2 file with the L2 key, compiling the encrypted L2 file and L2 key into an L1 file, generating an L1 key, encrypting the L1 file with the L1 key, compiling an L4 file to include identity attributes of the user, encrypting the L4 file with the L4 key, and combining the encrypted L4 file and the encrypted L1 file.
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
G06F 11/14 - Détection ou correction d'erreur dans les données par redondance dans les opérations, p.ex. en utilisant différentes séquences d'opérations aboutissant au même résultat
G06F 21/78 - Protection de composants spécifiques internes ou périphériques, où la protection d'un composant mène à la protection de tout le calculateur pour assurer la sécurité du stockage de données
31.
SEMI-DECLARATIVE METHOD FOR INFRASTRUCTURE DEPLOYMENT AND ACCESS CONTROL
A computer system includes a processor and a memory device. The computer system is configured to execute a function that builds a software instance definition object. The software instance definition object includes one or more configuration items, attributes, permissions, and linkages to other objects, which define a software instance. The computer system temporarily stores the software instance definition object in the memory device. The computer system updates at least one of the configuration items, attributes, permissions, and linkages to other objects of the stored software instance definition object, thereby creating an updated software instance definition object. A fix command is then executed to update the software instance based on the updated software instance definition object, thereby creating an updated software instance. After creating the updated software instance, the software instance definition object is deleted from the memory device.
There is disclosed a computer implemented method (300) of managing user accounts at a biometric database, the biometric database comprising biometric data of a user. The method comprises the steps of: receiving (301), at the biometric database, a message from a user device to suspend a user's account, the message comprising a cryptographic parameter; suspending (303) the user's account, the step of suspending comprising: encrypting (305), at the biometric database, biometric data of the user associated with the user's account using the cryptographic parameter; storing (307), the encrypted biometric data; and discarding (309), at the biometric database, the cryptographic parameter; and transmitting (311), from the biometric database, a message to the user device indicating that the user's account has been suspended.
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
33.
METHOD AND SYSTEM FOR PAYMENT PROCESSING USING DISTRIBUTED DIGITIZED SURROGATES
A method for pre-authorization of a payment transaction with tokenized credentials includes: receiving a first data set signed with a first digital signature and including an acquirer identification value and a second data set; verifying the first digital signature using a first public key of a first cryptographic key pair associated with the acquirer identification value; extracting, from the first data set in response to verification of the first digital signature, the second data set including a merchant identification value and a third data set; extracting, from the second data set, the third data set including an issuer identification value and transaction data; identifying an issuing computing system based on the issuer identification value; and transmitting a fourth data set to the issuing computing system, the fourth data set including the first data set and a steward identification value.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
34.
DEEP LEARNING SYSTEMS AND METHODS FOR PREDICTING IMPACT OF CARDHOLDER BEHAVIOR BASED ON PAYMENT EVENTS
A system is configured to retrieve a set of customer raw transaction data, wherein the transactions are devoid of any target transactions of interest. An impact neural network model is applied to the transaction data using a “notTarget” variable. The “notTarget” variable indicates that the target transaction of interest is not included in the transaction data. The model predicts a first result based on the “notTarget” variable. The model is applied to the transaction data using an “isTarget” variable. The “isTarget” variable indicates that the target transaction of interest is included in the set of customer raw transaction data. The model predicts a second result based on the “isTarget” variable. The system determines a difference between the second and first results. The difference is a predicted incremental impact on cardholder behavior. The system presents the predicted incremental impact on cardholder behavior to an issuer associated with the transaction data.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
A system and computer-implemented method for optimising, by a quantum computer, an allocation of opportunities to recipients comprising: determining a plurality of opportunities to be allocated; determining a plurality of recipients to be allocated at least one of the plurality of opportunities; determining a respective acceptance likelihood of each of the plurality of recipients accepting each of the plurality of opportunities; determining a first constraint associated with a cost acceptance of each of the plurality of opportunities by the plurality of recipients; and determining an optimised allocation of the opportunities to the recipients based on the respective likelihoods and the first constraint, in the quantum computer.
A method and system for recommending a merchant are provided. The method includes receiving financial transaction data documenting financial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of indicators of interactions associated with pairs of the plurality of merchants. The plurality of indicators of interactions tallying financial transactions conducted by the plurality of account holders at both of the merchants in a pair of the plurality of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a recommender algorithm. The recommender algorithm inferring user preferences from attributes of the plurality of merchants that were visited by the cardholder.
G06Q 30/0282 - Notation ou évaluation d’opérateurs commerciaux ou de produits
G06F 7/08 - Tri, c. à d. rangement des supports d'enregistrement dans un ordre de succession numérique ou autre, selon la classification d'au moins certaines informations portées sur les supports
A system and computer-implemented method for allocating a plurality of transactions to a plurality of networks comprising: receiving from a router at a classical computer a plurality of first information associated with a respective one of the plurality of transactions; receiving from a router at the classical computer a plurality of second information associated with a respective one of the plurality of networks; determining in the classical computer a switching characteristic to be optimised by the allocation of the plurality of transactions to the plurality of networks; expressing by the classical computer in at least one expression to a quantum computer, the plurality of first information, the plurality of second information and the switching characteristic; resolving in the quantum computer the at least one expression to determine the allocation of the plurality of transactions to the plurality of networks; and providing the allocation to the router.
Systems and methods are provided for associating authentications and authorizations in connection with network interactions. An exemplary system includes a computing device configured to receive an authorization request for a network interaction from an acquirer, where the authorization request represents a transaction to a payment account and includes a transaction amount and an accountholder authentication value (AAV) indicative of a prior authentication associated with the transaction. The computing device is configured to determine whether the authorization request, the transaction amount and/or an interval associated with the authorization request satisfies a parameter. In response to the authorization request, the transaction amount and/or the interval associated with the authorization request failing to satisfy the parameter, the computing device is configured to append a tag indicative of the parameter to the authorization request and transmit the authorization request to an issuer of the payment account.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
39.
DEEP LEARNING SYSTEMS AND METHODS FOR PREDICTING IMPACT OF CARDHOLDER BEHAVIOR BASED ON PAYMENT EVENTS
A system is configured to retrieve historical raw transaction data, wherein each transaction is one of a target or non-target transaction. The target transactions are related to a target transaction event. A target transaction identifier is appended to each target transaction. The raw transaction data is stored to a first data table. A first neural network is trained using the first data table to generate a training data classification model. The training data classification model is applied to the first data table. A first similarity score distribution associated with the target transactions and a second similarity score distribution associated with the non-target transactions is determined. A plurality of non-target transactions whose combined similarity score distribution matches the target transactions is selected. The target transactions and the selected plurality of non-target transactions are stored to a second data table and a second neural network is trained using the second data table.
A method for facilitating payments across multiple platforms and networks includes: establishing communication channels with each of a plurality of enterprise systems; establishing communication channels with each of a plurality of payment networks; receiving a payment request message via one of the enterprise systems using the associated channel, the payment request message including a payee identifier and payment amount; identifying a computing device based on the payee identifier; transmitting a notification message to the computing device including the payment amount; receiving a response message from the computing device including a network identifier; and processing payment of the payment amount to a payee using one of the payment networks selected based on the network identifier, wherein processing payment of the payment amount includes transmitting one or more data messages to the one of the payment networks using the established communication channel.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal
41.
METHOD AND SYSTEM OF IDENTIFYING AND REDUCING SCALPING USING DISTRIBUTED LEDGERS
A method for preventing an unauthorized transaction indicative of scalping includes: receiving transaction data for a first payment transaction including one or more product identifiers associated with one or more products purchased in the first payment transaction and consumer identification data; updating a consumer profile based on the one or more product identifiers, wherein the consumer profile is identified using the consumer identification data; receiving a transaction message for a second payment transaction including at least one product identifier included in the one or more product identifiers and at least one consumer data value that is also included in the consumer profile; determining a suspicion score for the consumer profile above a predetermined threshold value; and transmitting an authorization response message for the second payment transaction including a response code indicative of rejection of the second payment transaction.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
42.
METHOD AND SYSTEM FOR ENABLING COMMUNICATION BETWEEN BLOCKCHAINS ON HETEROGENEOUS BLOCKCHAIN NETWORKS
A system for enabling communication between blockchains on heterogeneous blockchain networks. The system can include a sending blockchain network comprised of a sending blockchain that includes a plurality of blocks, each block including a block header and one or more transaction values associated with an identification request transmitted by the sending blockchain. The system can include a directory service node configured to receive the identification request from the sending blockchain, and identify a receiving blockchain, which forms part of a receiving blockchain network. The system can include an identity service node configured to receive a trust request from the directory service node to determine whether a valid trust certificate is available for the receiving blockchain, and enable communication between the sending blockchain and the receiving blockchain, when the valid trust certificate is determined to be available.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
A method for generating and provisioning payment credentials to a mobile device lacking a secure element includes: generating a card profile associated with a payment account, wherein the card profile includes at least payment credentials corresponding to the associated payment account and a profile identifier; provisioning, to a mobile device lacking a secure element, the generated card profile; receiving, from the mobile device, a key request, wherein the key request includes at least a mobile identification number (PIN) and the profile identifier; using the mobile PIN; generating a single use key, wherein the single use key includes at least the profile identifier, an application transaction counter, and a generating key for use in generating a payment cryptogram valid for a single financial transaction; and transmitting the generated single use key to the mobile device.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
44.
PROVISIONING OF PAYMENT ACCEPTANCE TO PAYMENT ACCOUNT HOLDERS
A method includes receiving a request for enrollment from a user at a wallet service provider (WSP) computer, and enrolling the user in the WSP computer. A message is transmitted to the user to query the user about accepting payment card account system transactions. A response to the message, from the user, is received in the WSP computer. The WSP computer downloads, to a device operated by the user, a list of acquirer financial institutions. The WSP computer receives, from the device operated by the user, an indication that the user has selected one of the acquirer financial institutions from the list. An application program supplied by the selected acquirer financial institution is downloaded to the device operated by the user.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
45.
MACHINE LEARNING FOR AUTHENTICATION BASED ON DEVICE PROXIMITY
A device and method of authentication includes pairing a card to a mobile electronic device and a wearable device. A machine learning model is trained by obtaining first received signal strength indicator (RSSI) data from the card, the mobile electronic device, and the wearable device at calibrated distances. A first estimated proximity radius encompassing the card, the mobile electronic device, and the wearable device is calculated. The first estimated proximity radius is classified to be within a threshold. Upon receipt of a request to authorize a request, second RSSI data from the card, the mobile electronic device, and the wearable device is obtained. A second estimated proximity radius encompassing the card, the mobile electronic device, and the wearable device is calculated. Using the trained machine learning model, the second estimated proximity radius is determined to be within the threshold. Authentication is then complete.
A method for carrying out a wireless transaction for authorization through a transaction processing system between a first computing device and a second computing device is described. The first computing device establishes a secure network connection with a third computing device. The first computing device initiates the wireless transaction with the second computing device. The first computing device provides information to perform a security protocol for the transaction to the third computing device over the secure connection. The performance of the security protocol includes determination of a secure result. The first computing device receives a dummy secure result from the third computing device, and performs the wireless transaction with the second computing device using the dummy secure result. The third computing device prepares a true secure result for the wireless transaction. The dummy secure result may be used to reconcile the wireless transaction with the true secure result.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
47.
METHOD AND SYSTEM FOR TRANSFERRING DIGITAL TOKENS TO AND FROM A PHYSICAL CARD
A method and system are disclosed for transferring digital tokens to and from a physical payment card. The method includes: receiving, on a processing server, a plurality of digital tokens issued from a central bank; and transferring, from the processing server, the plurality of digital tokens to the physical payment card, the physical payment card configured to be used with a point of sale (POS).
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
48.
METHODS AND SYSTEMS FOR PERFORMING SECURE TRANSACTIONS ASSOCIATED WITH INSTRUCTIONS RECEIVED IN NATURAL LANGUAGE FORM
Embodiments provide methods and systems for facilitating scheduled payment transactions to users via an application provided by the server system, the application available on the user device. The method performed by the server system includes receiving a transaction request message from the user device, the transaction request message includes scheduled transaction instruction provided by the user in natural language format. The method includes authenticating the user based on a plurality of user authentication factors received from the user at pre-defined time intervals. In an embodiment, the server system is configured to train a data model using ML algorithms by learning the plurality of user authentication factors based on which the user is automatically authenticated by the server system. Upon successful authentication, the method includes parsing the transaction request message to determine a scheduled transaction instruction. The method includes facilitating, processing of the scheduled transaction based on the scheduled transaction instruction.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
G06F 21/34 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
Systems, methods, and non-transitory computer-readable media for biometrically confirming a trusted engagement between two or more individuals that overcomes an identity challenge from a digital environment. The identity challenge including but not limited to: when two or more individuals met in the digital environment only to meet in person, when two or more parties to a contract want to ensure that the true parties sign an agreement, when one or more individuals wants to provide proof of past interactions, when an individual or an entity wants to minimize a risk of a party to a financial transaction is using stolen identity credentials, when an individual receives a friend request from an unknown individual, when an individual wants to ban interactions with an undesired personal contact, when an individual meets with an imposter during a person-to-person transaction, and when an individual meets a friend that has created a new digital persona.
A method for application of account and transaction controls on a payment token includes: storing, in a first device of a system, a control profile including a token number and transaction controls; storing, in a second device of the system, a token profile including the token number and a corresponding account number; receiving, at the first device, a transaction message including a data element having the token number and additional transaction data; determining, by the first device, compliance with the transaction controls based on the additional transaction data; transmitting the transaction message from the first to the second device; replacing, by the second device, the token number with the account number in the transaction message; and transmitting, by the second device, the transaction message to a financial institution associated with the account number.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
51.
COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING
A system for payment routing programmed to: receive a payment transaction message relating to a putative transaction, the payment transaction message containing putative transaction data identifying an account of an accountholder and a transaction amount corresponding to the putative transaction; input at least some of the putative transaction data to a scaled score algorithm to generate a scaled score representing the likelihood of settlement of the putative payment transaction on a date, the scaled score algorithm including a plurality of components each respectively outputting a value and the scaled score being based on the plurality of values; generate metadata regarding the scaled score by applying a plurality of contribution rules to the values, the metadata comprising significance indicators for the components with respect to the generation of the scaled score; and output the scaled score and the metadata regarding the scaled score in response to the payment transaction message.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
52.
COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING
A system for payment routing programmed to: receive a payment transaction message relating to a putative transaction, the payment transaction message containing putative transaction data identifying an accountholder and a transaction amount corresponding to the putative transaction; input historical transaction data for the accountholder and at least a portion of the transaction amount to a scaled score algorithm to generate scaled scores for corresponding potential settlement dates, each of the scaled scores representing the likelihood of settlement of the putative transaction from an account of the accountholder on the corresponding one of the potential settlement dates; retrieve, from a financial institution corresponding to the account, actual account balances for the account on the corresponding potential settlement dates; and retrain the scaled score algorithm using the actual account balances.
A system for payment routing programmed to: receive a payment transaction message relating to a putative payment transaction of an accountholder, the payment transaction message containing putative payment transaction data including a transaction amount corresponding to the putative payment transaction; identify a plurality of accounts corresponding to the accountholder based on the payment transaction message, the accounts being held with a plurality of financial institutions; and responsive to receipt of the putative transaction data, generate a scaled score representing the likelihood of settlement of the putative payment transaction on a date for each of accounts held with the financial institutions.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
54.
COMPUTER-IMPLEMENTED SYSTEMS AND METHODS FOR PAYMENT ROUTING
A system for payment routing programmed to: receive a payment transaction message relating to a putative payment transaction of an accountholder, the payment transaction message containing putative payment transaction data including a transaction amount corresponding to the putative payment transaction; identify a plurality of accounts corresponding to the accountholder based on the payment transaction message; implement a payment split among the accounts, the payment split assigning a proportion of the transaction amount to each of the accounts; and generate a scaled score representing the likelihood of settlement of the assigned proportion of the transaction amount via each of the accounts on a date.
A system for payment routing programmed to: receive a payment transaction message relating to a putative transaction, the payment transaction message containing putative transaction data identifying an accountholder and a transaction amount corresponding to the putative transaction; input historical transaction data for the accountholder and at least a portion of the transaction amount to a scaled score algorithm to generate scaled scores, each of the scaled scores representing the likelihood of settlement of the putative transaction on a corresponding date and payment rail; output the scaled scores to a merchant in response to the payment transaction message; receive, from the merchant and in response to the output, feedback data for the putative transaction, the feedback data including a date of attempted payment processing for the putative transaction and an indicator of whether the attempted payment processing was completed; and retrain the scaled score algorithm using the feedback data.
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
56.
Systems and methods for identifying synthetic party identities associated with network communications
Systems and methods are provided for use in identifying synthetic party identities. One exemplary method includes receiving, at a computing device, a request from a relying party to assess validity of an identity presented by an asserting party in a network communication between the asserting party and the relying party, where the request includes identity data associated with the identity of the asserting party. The method also includes calculating, by the computing device, an assessment metric representative of the validity of the identity of the asserting party, where the assessment metric is based on at least one score derived from the identity data, and transmitting, by the computing device, the assessment metric to the relying party, whereby the relying party utilizes the assessment metric to determine whether or not to further interact with the asserting party in connection with the network communication.
G06Q 20/00 - Architectures, schémas ou protocoles de paiement
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
The disclosure herein describes receiving and routing a remote procedure call (RPC) message from an external source. A microservice platform receives an RPC message from a source via an RPC interface, wherein the RPC message includes a header structure and a payload structure. The RPC message is validated based on security data in the header structure and the identity of the source is authenticated based on identity data in the header structure. A service interface function is triggered based on routing data in the payload structure and a multi-layer route and one of a plurality of microservices are identified. Payload data of the payload structure is routed through each of the ordered plurality of layers of the multi-layer route to the identified microservice, wherein each of the ordered plurality of layers and the microservice are configured to perform an operation using the payload data.
Systems and methods are provided for managing disputes in biometric-enabled network interactions. One example computer-implemented method includes receiving, at a biometric identity switch (BIS), a dispute notification for a biometric-enabled network interaction involving an account of a user, and retrieving biometric data specific to the biometric-enabled network interaction. The method also includes determining, by the BIS) whether the biometric data is representative of the user and, in response to the biometric data not being representative of the user, requesting, from a biometric service provider, a biometric identifier for an additional user, based on the biometric data. The method then includes receiving, by the BIS, the biometric identifier from the biometric service provider, identifying an interaction history of the additional user, based on the biometric identifier, and determining whether to assign the biometric-enabled network interaction to the additional user, based on the interaction history of the additional user.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
59.
SYSTEMS AND METHODS FOR MANAGING OFFLINE DATABASE ACCESS
A computer-implemented method for managing access to data stored in a database is provided. The method includes storing in the database a switch parameter having a first value, storing in the database at least two instances of a data object wherein each of the instances includes a unique identifier, receiving a client query from a requestor, determining by the computing device an active instance from the at least two instances based at least in part on comparing the first value of the switch parameter to the unique identifier of each instance, modifying by the computing device the client query at least in part based on the determined active instance to create a resultant query, executing the resultant query against the active instance to generate a resultant data, and providing the resultant data to the requestor.
A method for routing computer messages between parties is provided. The method is implemented using a message gateway computing system including a processor and a memory. The method includes receiving a message routing offer from a seller and representing an offer to process payment card transactions. The method also includes receiving a message routing request from a buyer. The method further includes first message route between the buyer party and a first seller party of the plurality of seller parties on a message processing network. The method also includes receiving a payment card transaction from the buyer party. The method further includes identifying the first message route associated with the payment card transaction. The method also includes transmitting the payment card transaction to the first seller party based at least in part on the first message route.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
61.
METHOD AND SYSTEM FOR FACILITATING SECURE PAYMENT TRANSACTIONS
A method for facilitating payment transactions includes receiving, by a server, a flash code request indicative of a transaction amount. A flash code associated with the transaction amount is communicated by the server to the payer device. The flash code is encoded into a flash pattern at the payer device and communicated to a payee device of a payee for executing a payment transaction between the payer and the payee. A first request for the payment transaction is received by the server from the payee device. The first request includes the flash code obtained by decoding the flash pattern at the payee device. The flash code included in the first request is validated by the server. Based on successful validation of the flash code, the transaction amount is deducted from a payer account of the payer and credited to a payee account of the payee.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
A method for verification of a data value via a Merkle root includes: storing, in a memory of a processing server, a Merkle root; receiving at least a data value, a nonce, and a plurality of hash path values; generating a combined value by combining the data value and the nonce; generating a first hash value via application of a hashing algorithm to the combined value; generating a subsequent hash value via application of the hashing algorithm to a combination of the first hash value and a first of the plurality of hash path values; repeating generation of the subsequent hash value using a combination of the next hash path value of the plurality of hash path values and the most recent subsequent hash value; and verifying the data value based on a comparison of the Merkle root and the last generated subsequent hash value.
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
Methods and systems for managing payment card credentials provisioned to an Internet of Things (IoT) device via a companion application. A mobile device processor of a consumer mobile device launches a wallet application, displays a wallet application user interface on a touch screen that includes a card management option, receives selection of the card management option, and displays a device list that includes a plurality of icons representing IoT devices. The mobile device processor receives selection of an icon and then displays a payment card representation, payment card information, and card management options including a suspend card option and a delete card option. After receiving a selection of a card management option the mobile device processor transmits instructions to the IoT device to one of delete or suspend the payment card credentials.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
64.
SYSTEM AND METHODS FOR OBTAINING REAL-TIME CARDHOLDER AUTHENTICATION OF A PAYMENT TRANSACTION
A secondary authentication system and computer-implemented method for obtaining real-time cardholder authentication of a payment transaction associated with a cardholder's payment card includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive a payment authorization request message including a primary account number corresponding to a payment account of the cardholder for funding the payment transaction. In addition, the processor is programmed to determine whether the payment account requires secondary authentication by the cardholder for the payment transaction, and if, based on the determination, the payment account requires secondary authentication of the payment transaction, place the payment transaction on hold. Furthermore, the processor is programed to identify a mobile device associated with the payment account of the cardholder, transmit an authentication request message to the identified mobile device, and receive, from the mobile device, an authentication response message.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
65.
SYSTEM AND METHOD FOR SECURING INFORMATION IN A NETWORK
A payment management system and method of managing a payment network includes generating a payment token based on a bank account of a user (e.g., a buyer), receiving a dynamic code through a network for a transaction, and validating a request for payment of the transaction using an installment plan based on funds from the bank account. The validating the request for payment of the transaction is performed based on operations which include authenticating the payment token and verifying the dynamic code. In addition, the method includes generating a decision signal indicating a decision for the request when the request for payment is validated and transmitting the decision signal to a merchant system to authorize or decline completion of the transaction.
Provided herein is a computing system for detecting compromised merchants in a payment card network. The computing system includes a processor in communication with a memory, and the processor is configured to: (i) receive historical transaction data associated with historical transactions carried out at merchants, (ii) determine historical values for key merchant variables for each merchant, (iii) store the historical key merchant variable values, (iv) receive current transaction data associated with current transactions carried out at a selected merchant, (v) determine current values for key merchant variables for the selected merchant, (vi) compare the current key merchant variable values with the historical key merchant variable values for the selected merchant, (vii) identify abnormalities between the current key merchant variable values and the historical key merchant variable values for the selected merchant, and (viii) determine that the selected merchant is a compromised merchant based upon the identified abnormalities.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
67.
METHOD AND SYSTEM FOR IMPROVED BLOCKCHAIN PERFORMANCE THROUGH AGGREGATION
A method for periodic aggregation of blockchain transactions for reduced processing times and bandwidths includes: storing at least a cryptographic key pair comprising a private key and a public key and a plurality of unspent blockchain transactions, each unspent blockchain transaction including at least an output address and transaction amount; generating a digital signature using the private key; generating a recipient address using the public key; generating a new blockchain transaction after satisfaction of a trigger condition, the new blockchain transaction including each of the plurality of unspent blockchain transactions as inputs, the digital signature, the recipient address, and a transfer amount based on a summation of the transaction amount for each of the unspent blockchain transactions; and transmitting the new blockchain transaction to a node in a blockchain network.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
H04L 9/06 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
68.
METHOD AND SYSTEM FOR PROCESSING AN ASSET SWAP ACROSS TWO BLOCKCHAINS
A swap check oracle receives a transfer request from a user or smart contract on a first blockchain indicating a first digital asset to be transferred. The swap check oracle verifies the authenticity of the user and/or digital asset and instructs the smart contract to transfer the first digital asset to a custodial blockchain address on the first blockchain. Another swap check oracle performs the same process for a second digital asset from a second user on a second blockchain. A central processing server is notified of the successful transfer of the digital assets to the custodial addresses on both blockchains, verifies the holding of the digital assets by the custodial addresses, and then initiates a release of the digital assets to the new parties on both of the blockchains.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
69.
IDENTIFICATION OF FRAUDULENT HEALTHCARE PROVIDERS THROUGH MULTIPRONGED AI MODELING
A system and computer-implemented method for identifying fraudulent healthcare providers receives raw claims data from one or more data sources. The raw claims data includes claims associated with a selected healthcare provider. Each of the claims includes one or more claim lines. A first model is executed on the raw claims data. The first model determines a first score for the healthcare provider. A second model is executed on the raw claims data. The second model determines a second score for the healthcare provider. In addition, a third model is executed on the raw claims data. The third model determines a third score for the healthcare provider. A final provider-level risk score is determined for the healthcare provider based on the first, second, and third scores.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p.ex. pour des dossiers électroniques de patients
Systems and methods for reducing false positives for financial transaction fraud monitoring using machine learning techniques. Using an original model for separating transactions into high risk and low risk categories for fraud, transactions falling into the high-risk category may be labeled as a false positive or a true positive. The labels and data associated with the transactions may be used to train two or more false positive reduction models (FPRMs) using iterative machine learning techniques. Once training is complete, a future transaction may be processed using the original model, and, if the original model indicates that the future transaction is high risk, data associated with the future transaction may be processed by the trained FPRM(s), which may determine whether the future transaction is at a high risk or a low risk of being fraudulent.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
71.
METHOD AND SYSTEM FOR MAINTAINING PRIVACY AND COMPLIANCE IN THE USE OF ACCOUNT REISSUANCE DATA
A method for linking payment accounts includes: storing a plurality of account profiles, each profile including data related to a payment account including an account number and account data; encrypting the account number included in each account profile using a method of encryption to obtain an encrypted account number; receiving account linkage data, the data including a plurality of encrypted account identifiers, each identifier being indicated as being linked to another identifier, and each identifier being encrypted using the method of encryption; matching each of the encrypted account identifiers to an encrypted account number; and updating one or more account profiles to indicate a link to another account profile where the encrypted account number included in the profile being updated matches an encrypted account identifier that is indicated as being linked to an encrypted account identifier that matches the encrypted account number included in the other profile.
G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
72.
ARTIFICIAL INTELLIGENCE ENGINE FOR TRANSACTION CATEGORIZATION AND CLASSIFICATION
Techniques for training a classification model to improve the classification of open banking transactions are presented. The techniques include receiving raw training data from a data source. The raw training data includes historical transaction data made up of a plurality of individual transactions. The raw training data is input into the classification model. The raw training data is processed by performing a data preparation operation on the raw training data. The data preparation operation includes removing numerical characters, repeating special characters, and accent words from the textual data of each transaction. Vocabulary training is then performed on the processed training data, including tokenizing the text of each transaction and converting the tokenized text into a transformer model specific format. The classification model is then trained using a transformer model, which uses the tokenized text. The trained classification model is then stored in a database.
An inverse recommender system for detecting out-of-pattern payment transactions includes a memory device and a processor programmed to receive transaction data. The transaction data corresponds to historical payment transactions between account holders and merchants. The processor is programmed to generate a merchant correspondence matrix including the merchants and counters indicating the number of historical payment transactions between merchant pairs of the merchants and the account holders. The processor is programmed to store the merchant correspondence matrix in a memory device linking the merchant pairs to each account holder. The processor receives additional transaction data associated with a new payment transaction between an account holder and a merchant, and to generate an inverse recommender score for the new payment transaction based on the account holder's historical payment transaction data. The account holder's historical payment transaction data includes historical payment transaction data associated with the merchants visited by the account holder.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
74.
CONSERVING COMPUTING RESOURCES DURING IDENTITY VALIDATION VIA A LAST USED ACCOUNT
Examples provide consumer identity validation (CIV) via last used payment card, improving management of payment infrastructure resources. Examples enable the consumer to more efficiently complete CIV via at least one of a last used account or a last used card. By not requiring consumers to repeatedly go through the entire CIV process at each transaction at the same merchant when using the exact same card they used on a previous visit, excessive and unnecessary strain on the infrastructure is reduced, preventing degradation of the infrastructure. This enables allocating fewer computing resources to CIV, making deployments utilizing low-power or otherwise constrained equipment simpler and easier to maintain. Thus, scaling is enhanced. Individual CIV performance is more efficient, and less computing resources and energy are required across the entire infrastructure. A greater number of CIV transactions are executable in parallel, reducing transaction processing delays, bolstering stability, and reducing error rates.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
75.
ARTIFICIAL INTELLIGENCE ENGINE FOR ENTITY RESOLUTION AND STANDARDIZATION
Techniques for training an entity resolution model are presented. The techniques include inputting raw training data into the entity resolution model. The training data includes historical transaction data including a plurality of transactions. A label dictionary is generated by performing natural language processing (NLP) on the training data. The NLP includes scanning text of each transaction, extracting one or more entities from the text, and storing the label dictionary in a database. The label dictionary includes the extracted entities. Tagged data is generated from the training data using the label dictionary. Vocabulary training is performed on the training data, including tokenizing the text of each transaction and converting the tokenized text into a transformer model specific format. The entity resolution model is then trained using a transformer model, which uses the tokenized text and the tagged data. The trained entity resolution model is then stored in a database.
Techniques for training an entity resolution model are presented. The techniques include receiving a minimum viable data product (MVDP) scope, a product scope, and a data mining scope from a user. A data mining goal is determined based on the MVDP scope, product scope, and data mining scope. One or more proof of concept (PoC) models are defined based on the data mining goal, and one of the PoC models is selected for training. A trained deep learning model is generated by iteratively training the selected PoC model. The trained deep learning model is then tested and validated against a predefined achievable loss metric using a sample labelled dataset for testing.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
77.
SYSTEM AND METHOD OF TOKENIZING DEPOSIT ACCOUNT NUMBERS FOR USE AT PAYMENT CARD ACCEPTANCE POINT
A method of routing a payment transaction includes receiving a transaction request message. The message includes a payment token that was previously issued to an account holder. The payment token is translated into a funding account indicator. The funding account indicator is in a format defined for payment card account numbers in a payment account system. The funding account indicator is translated into a bank account number. The bank account number identifies a bank deposit account owned by the account holder. An EFT message is transmitted to initiate an EFT transaction to be funded from the bank deposit account owned by the account holder. The EFT message includes the bank account number.
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
78.
SYSTEM, METHOD, AND NON-TRANSITORY COMPUTER-READABLE STORAGE MEDIA FOR RECOMMENDING MERCHANTS
A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device and a processor. The processor receives transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, where the purchases satisfy a first criteria. The processor also receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder. The processor further determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, and determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders. The processor also determines a merchant score for each of the plurality of merchants by comparing the merchant rank to the neutral merchant rank.
Methods and systems for handling a payment card account system transaction. In an embodiment, a merchant payment services computer receives merchant bank account details for at least one merchant supported by an acquirer financial institution and stores the merchant bank account details in a storage device. The process also includes the merchant payment services computer receiving, from a card payment network computer, card account transaction information for a merchant over a predetermined period of time; calculating, based on the card account transaction information, a net position for the merchant; retrieving merchant bank account details of the merchant from the storage device; and initiating an electronic funds transfer (EFT) with an originating payment services provider (PSP) computer of an electronic funds transfer system to credit the merchant's deposit account in an amount equal to the merchant's net position.
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
A growth predictor includes a monitor, a prediction engine, and a prioritization engine. The monitor receives or generates first information of a network already identified as a candidate money laundering (ML) network by an anti-money-laundering system. The prediction engine predicts second information indicative of a growth size of the ML network at a future time based on the first information. The prediction engine executes one or more predictive models to generate the second information indicative of growth size based on the first information, which indicates one or more changes that have occurred in the candidate ML network over a past period of time. The prioritization engine determines a priority of the candidate ML network based on the second information.
A method of measuring parameters associated with a website comprising a complex hierarchy of web pages is described. The method is used for a website adapted to support a user journey through multiple web pages to a user destination. The user journey is defined as a sequence of functional steps. A machine learning system is provided which is trained to provide a website navigation system adapted to navigate from a landing screen to a destination screen by performing each functional step in the sequence. The website is then navigated from the landing screen to the destination screen for that website using the website navigation system. One or more parameters resulting from, or associated with, one or more steps of the journey from the landing screen to the destination screen for the website are measured. A computing system suitable for performing the method, and a method of building a suitable website navigation system are also described.
An apparatus for determining a level of risk that a future transfer will exceed a level of reserve is provided by the present disclosure, the apparatus comprising circuitry configured to: obtain data of transfers between financial institutions which have occurred at a number of instances of time, the data including transfer amounts; apply a predictive model to the data to obtain a prediction of the transfer amount at each instance of time; determine a maximum residual between the prediction of the transfer amount and the transfer amount at each instance of time; model the maximum residual for each instance of time using a generalised extreme value distribution to obtain a distribution function; and determine the level of risk that a future transfer between financial institutions will exceed the level of reserve based on the distribution function which has been obtained.
A method for enabling real-time authorization of a transaction with pooled equity includes: receiving a transaction request message, the transaction request message including at least a public key of a cryptographic key pair and a transacting currency amount; verifying a balance of a cryptographic currency for a first blockchain wallet associated with the cryptographic key pair on a blockchain using at least the public key, where at least a portion of the balance is locked in a currency pool; generating a smart contract, the smart contract configured to initiate a first blockchain transaction on the blockchain for transfer of the transacting currency amount from a second blockchain wallet to a destination address, where the second blockchain wallet is different from the first blockchain wallet; and transmitting the generated smart contract to a node in a blockchain network associated with the blockchain for publishing to the blockchain.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
H04L 9/00 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
A method of maintaining a secure relationship between a client device and a server is described. The client device receives a first challenge from the server and determines and provides a first response to the first challenge. A cookie is established associated with the secure relationship. This cookie is shared between the client and the server. To establish the secure relationship in a later interaction, the client provides the cookie to the server. The server then provides both the first challenge and a second challenge, to which the client determines a first response and a second response. The client then provides a composite response from which the first response and the second response are derivable by the server, allowing the server to be assured that the secure relationship exists. Each challenge uses a challenge function adapted to provide a fingerprint of the client device. Methods at both client and server, and suitably configured client and server, are also described.
A dynamic receipt generating (DRG) computing device is provided. The DRG computing device is configured to receive user preference data including dynamic receipt preference data, and a payment account identifier associated with a user. The DRG computing device is also configured to store the user preference data, and receive real-time transaction data associated with a purchase made by the user using a payment account associated with the payment account, the real-time transaction data being in a first format. The DRG computing device is further configured to retrieve the user preference data from the memory based on the payment account identifier, and generate a dynamic receipt based on the real-time transaction data and the retrieved user preference data associated with the payment account identifier. The dynamic receipt having a second format different from the first format, and to transmit the generated dynamic receipt to the user.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
A method includes communicating with a remote server computer via a first mobile device to receive in the first mobile device a payment token associated with a PAN (primary account number). The PAN identifies a payment account owned by a user of the first mobile device. The method further includes provisioning the payment token from the first mobile device to a second mobile device in proximity to the first mobile device. The provisioning includes transfer of data from the first mobile device to the second mobile device.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/24 - Schémas de crédit, c. à d. de "paiement différé"
H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
87.
OBFUSCATED STORAGE AND TRANSMISSION OF PERSONAL IDENTIFIABLE INFORMATION
A method for obfuscated storage and transmission of Personal Identifiable Information (PII) includes applying a collisionable hash algorithm to each name in a dataset of potentially personal identifiable information to generate a set of obfuscated names. Applying the collisionable hash algorithm involves selecting a first group of characters from a name proceeding from left to right; selecting a second group of characters from the name proceeding from right to left; combining the first group of characters and the second group of characters to generate a sequence of characters; and applying a cipher to the sequence of characters to generate an obfuscated name for the set of obfuscated names.
A computing device for enhancing cybersecurity in electronic networks is provided. The computing device includes one or more processors in communication with one or more memory devices, where the one or more processors are configured to receive, from an authentication webpage executing on a user computing device, a request to enroll into a secure application, and apply a plurality of rules to the device attribute data to determine an authentication confidence level of the request. The one or more processors are further configured to retrieve, from the one or more memory devices and based on the determined authentication confidence level, an enrollment procedure instruction from a plurality of enrollment procedure instructions for enrollment into the secure application, and transmit the enrollment procedure instruction to the user computing device to complete the enrollment into the secure application.
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
The present invention discloses a method for enabling a secure data transfer comprising verifying the identity of a user having a payment device and a personal communication device; generating a payment token associated with the payment device of the user; generating a merchant device token associated with a merchant and linked to the personal communication device of the user; and processing a transaction between the user and the merchant using the payment token and the merchant device token.
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
Systems and methods are provided for distributing data to multiple data centers within a network based on unique information associated with the data. One example computer-implemented method includes receiving a request, from a service provider, for data stored at a data center and generating a group identifier based on the device ID specific to a device of a user. The method also includes identifying the data center based on the first group identifier and directing the request to the identified data center. The method then includes retrieving the data from the data center and returning the retrieved data to the service provider, in response to the request.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
A method for contactless payment relay attack protection includes receiving an online authorization request including a cryptogram, a measured processing time, and a reference processing time from a terminal. The cryptogram is verified, and a determination is performed as to whether the measured processing time exceeds the reference processing time. An online authorization response authorizing or declining a monetary transaction is transmitted, based on the determination. An artificial intelligence transaction analysis can be performed based on past and current conditions (e.g., battery level, operating system, open applications) of a payment device such as a mobile phone, past and current conditions of a terminal, and/or a monetary amount. The online authorization response can be based on the artificial intelligence transaction analysis.
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
H04W 12/122 - Contre-mesures pour parer aux attaques; Protection contre les dispositifs malveillants
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
92.
SYSTEMS AND METHODS FOR COMMUNICATING WITH A MAGNETIC READER HEAD
A device and method for waveform transmission of transaction card data to a merchant point-of-sale device are provided. The device includes a memory device for storing data, a processor, and a transmitter. The device is programmed to receive transaction card data that mimics data stored within a magnetic stripe associated with a transaction card, convert the transaction card data to a first data file for storage within the memory device, transmit the first data file to the transmitter, and transmit a first waveform from the transmitter to the POS device, wherein the first waveform includes changes in a magnetic field that represent the transaction card data.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
93.
SYSTEMS AND METHODS FOR AUTOMATICALLY REVERSING ELECTRONIC INSTRUCTIONS BASED ON FIRST AND SECOND ELECTRONIC MESSAGES
A computing system for automatically initiating reversal of a previously-issued electronic instruction is provided. The computing system includes a processor in communication with a memory. The processor is configured to: (i) receive data records associated with a plurality of data sets processed by a computer network, (ii) identify a first type of at least two types of automatically-reversible electronic instructions by matching a plurality of first electronic messages with respective plurality of second electronic messages for each data set, (iii) identify a second type of the at least two types of automatically-reversible electronic instructions from the plurality of data sets by parsing the data records, (iv) format the at least two types of automatically-reversible electronic instructions into a standardized data format in a single data file, and (v) transmit the formatted single data file to the computer network to automatically initiate reversal of each identified automatically-reversible electronic instruction.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
A computer system including a first network-based portal, a second network-based portal, and an analyzer computing device including at least one processor is provided. The at least one processor is configured to: (i) receive an initial data message including data elements, (ii) analyze, using machine learning tools, the data elements to determine to route the initial data message to the second network-based portal or to a processing computing device, (iii) in response to determining to route the initial data message to the second network-based portal, route the initial data message to the second network-based portal via a first network communication link, and (iv) in response to determining to route the initial data message to the processing computing device via a second network communication link, reformat the initial data message into a different protocol compatible with the second network communication link, and transmit the reformatted message to the processing computing device.
G06Q 30/016 - Fourniture d’une assistance aux clients, p. ex pour assister un client dans un lieu commercial ou par un service d’assistance après-vente
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
H04L 67/10 - Protocoles dans lesquels une application est distribuée parmi les nœuds du réseau
The disclosure herein describes predicting potential impact of issues reported in incident ticket data on infrastructure element. A ticket manager component includes an impact model utilizing machine learning to analyze real-time event and metric data with incident-related data to generate predicted impact data. The predicted impact data identifies potentially impacted infrastructure elements, such as, potentially impacted users, predicted infrastructure components impacted by the issue and/or an updated time-period associated with the issue. The ticket manager component creates labeled incident tickets by updating user-generated incident tickets with additional data generated by the impact model, including predicted impact data and/or additional details associated with the issue. The labeled incident tickets are provided back to the model as training data to further refine predictions generated by the model.
H04L 41/5025 - Pratiques de respect de l’accord du niveau de service en réagissant de manière proactive aux changements de qualité du service, p.ex. par reconfiguration après dégradation ou mise à niveau de la qualité du service
H04L 41/16 - Dispositions pour la maintenance, l’administration ou la gestion des réseaux de commutation de données, p.ex. des réseaux de commutation de paquets en utilisant l'apprentissage automatique ou l'intelligence artificielle
H04L 41/5074 - Traitement des plaintes des utilisateurs ou des tickets d’incident
H04L 41/12 - Découverte ou gestion des topologies de réseau
Provided are a payment card, system and method for storing and reading tokenized payment account information from a payment card. In an exemplary embodiment, a payment card may include a substrate forming a body of the payment card, and an electronic chip attached to or included in the substrate. According to various exemplary embodiments, the electronic chip may include a storage storing tokenized payment account information corresponding to a payment account linked to the payment card. The electronic chip may be read by a payment terminal and may provide the tokenized payment information to the payment terminal during reading.
G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée
H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
97.
METHOD AND SYSTEM FOR A FAILSAFE MECHANISM FOR BLOCKCHAIN WALLETS
A method for propagating survival of cryptographic currency after inactivity over a predetermined period of time in a blockchain through the use of smart contracts includes: receiving a propagation request that includes unspent transaction output addresses, a digital signature, and a recipient address; generating a smart contract that is configured to self-execute after a predetermined period of time to initiate transfer of cryptographic currency from the output addresses to the recipient address; submitting the smart contract to a node in a blockchain network for addition to the blockchain; monitoring for new blockchain transactions involving any of the unspent transaction output addresses; generating a new smart contract to update the unspent transaction output addresses based on new blockchain transactions; and submitting the new smart contract to a node in a blockchain network after updating.
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
Examples provide customizable rules-based payment plan management. A customized set of rules are applied to a user account data associated with a delinquent account having a past-due amount owed by a user. The set of rules are customized by a payee of the delinquent account. A payment plan is selected from a plurality of available payment plans based on application of the rules to the user account data. One or more payment methods are selected. An offer, including the selected payment plan and payment method(s), is generated for the user that is customized for the user based on the user account data. The generated offer is presented to the user for acceptance or rejection. The offer includes a payment term for at least partially satisfying a past-due amount owed by the user. If the user accepts the offer, the status of the account is changed from delinquent to non-delinquent.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
99.
SYSTEM AND METHOD FOR ASSESSING A RISK SCORE FOR A NON-FUNGIBLE TOKEN TRANSACTED ON A BLOCKCHAIN
A system for assessment of a risk score for a non-fungible token transacted on a blockchain wherein the system is configured to generate a provenance score based on the derived ownership history of the specific non-fungible token, generate a smart contract score based on the retrieved smart contract code for the specific non-fungible token, generate a permanence score based on the retrieved smart contract code for the specific non-fungible token, and generate a comprehensive risk score for the specific non-fungible token based on the generated provenance score, smart contract score, and permanence score for the specific non-fungible token.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06F 21/64 - Protection de l’intégrité des données, p.ex. par sommes de contrôle, certificats ou signatures
100.
SYSTEMS AND METHODS FOR IMPROVING ERROR TOLERANCE IN PROCESSING AN INPUT FILE
A computer system including a processor, in communication with a database, programmed to identify a plurality of billers from the database, including biller information, and receive a payee file including payee information identifying a payee which issued a bill to a payor. The processor determines an approximate match score for each of the billers in a first set of billers of the plurality of billers by comparing payee information to biller information and identifies a candidate list of billers from the first set of billers having an approximate match score indicating a likelihood of matching the payee information. The processor adjusts the candidate list of billers by altering the match score of at least one candidate biller by comparing a payee account number of the payee information to an account mask associated with the candidate biller and generates an output file of candidate biller information from the adjusted candidate list.
brevets
