7691results about "Protocol authorisation" patented technology

The invention discloses a digital asset secure transaction system and method based on a block chain, and belongs to the cross field of block chain technology and financial science and technology. The system adopts a layered architecture design and comprises an intelligent contract execution layer, a distributed account book storage layer and a cross-chain interaction layer. The transaction method comprises the following steps: generating a digital identity certificate based on asymmetric encryption, and realizing privacy protection through zero-knowledge proof; a secure transaction channel is constructed by adopting a multi-signature mechanism, and sensitive data processing is performed in combination with a trusted execution environment; and designing a dynamic fragmentation strategy to optimize the transaction throughput, and establishing an on-chain and off-chain collaborative verification mechanism. The innovation point is that a double-layer verification model combining a verifiable delay function and a threshold signature is provided, and millisecond-level confirmation is realized while the transaction irreversibility is ensured. The system supports multi-chain asset atomic exchange, and interoperability of different block chain networks is realized through a heterogeneous cross-chain gateway. The scheme has the characteristics of high transaction confirmation speed, high privacy protection level and high system expansibility.

Systems, methods, and computer program products are disclosed for selectively employing a processing mode based on a continuous gesture. Selectively employing a processing mode may include detecting an existence of a mode-selection gesture by an individual. Upon detecting the existence of the mode-selection gesture, a first mode for processing facial micromovements of the individual may be continuously implemented while continuously detecting the mode-selection gesture. Following the continuous detection of the mode-selection gesture, a cessation of the mode-selection gesture may be detected. In response, implementation of the first mode may cease, and implementation of a second mode different from the first mode may be initiated for processing facial micromovements of the individual.

Systems and methods for controlling rights related to digital knowledge are disclosed. A sample system may include an input system to receive digital knowledge from a user, a tokenization system to tokenize the digital knowledge and a ledger management system to create, manage, and store things on a distributed ledger and provide provable access to the digital knowledge. A smart contract system may create a smart contract including triggering action is and respond with a defined smart contract action on an occurrence of the triggering event. The smart contract system may also process commitments to the smart contract.

The invention, which relates to the technical field of payment security, discloses a payment-scene-oriented interaction intention identification and error correction system comprising an input analysis module, an intention simulation module, a dynamic decision module, a biological verification module, an audit evidence storage module, and a cross-scene knowledge migration module. According to the method, multi-modal data such as voice, texts, images and touch tracks are integrated, structured feature vectors are generated through a cross-modal attention network, the problem of incomplete single-modal coverage is solved, cross-modal data consistency verification is achieved based on a unified semantic tag system, and the reliability of input sources is graded by combining equipment fingerprints and geographic positions, so that the reliability of the input sources is improved. A high-risk transaction protection capability is enhanced, a generative adversarial network is utilized to construct a virtual attack sample library, attacks such as tampering with characters similar in shape and AI faking voiceprints are simulated, unknown threats are actively defended through cosine similarity matching, a user historical behavior statistical model is integrated, and known risks such as high-frequency small-amount transfer are passively intercepted. And a closed-loop incremental learning continuous optimization model is supported.

Systems, methods, and computer program products are disclosed for establishing nonvocalized communications. Establishing nonvocalized communications may include detecting a directional gesture made by a wearer of a first wearable device configured to determine facial skin micromovements of the wearer, wherein the directional gesture identifies a second device in proximity to the first wearable device. Based on the directional gesture, a wireless communication channel for enabling a nonvocalized communication between the first wearable device and the second device is selected. Thereafter, specific facial skin micromovements of the wearer of the first wearable device are determined. The specific facial skin micromovements indicate words to be communicated in an absence of perceptible vocalization by the wearer of the first wearable device. Then, the words are transmitted via the wireless communication channel from the first wearable device to the second device for presentation via the second device.

A system is adapted to automatically report the trustworthiness of an entity. The system includes a processor and a computer readable medium carrying instructions. The instructions include receiving unstructured data pertaining to an entity from public sources, and receiving structured data pertaining to the entity from at least two databases. The instructions also include merging the structured data and the unstructured data into a single document; splitting the single document into chunks; creating embeddings corresponding to the chunks; and storing the embeddings in a vector store. The instructions also include receiving a natural language user query regarding trustworthiness of the entity; converting the query to a query embedding; based on the query embedding and a similarity calculation, fetching a relevant embedding from the vector store; with a large language model (LLM), generating a query response regarding the trustworthiness of the entity; and communicating the query response to the user.

Systems and methods for managing resources across a global and / or cloud network. In particular, systems and methods for mitigating issues related to providing services while resources are offline (or may potentially go offline). For example, the systems and methods may mitigate issues related to providing services while resources are offline (or may potentially go offline) by monitoring network services at an aggregate level.

Systems and techniques may generally be used for chatbot-based fraud assistance. An example method may include initiating a chatbot session with a user and receiving a prompt from the user related to suspected suspicious activity in an account. The method may include retrieving, using a Retrieval-Augmented Generation (RAG) component, contextual information from at least one of transaction data and a knowledge base. The method may include evaluating the prompt using a large language fraud model and the retrieved contextual information to determine a response.

The invention provides an anti-fraud method and system based on a complex relation network, and the method comprises the steps: carrying out the preprocessing and association rule mining of multi-source data, constructing a heterogeneous relation network model, carrying out the abnormal behavior detection of real-time data, updating the heterogeneous relation network model based on an abnormal behavior detection result and historical data, and carrying out the recognition of the abnormal behavior. And performing risk quantification, community discovery, abnormal path analysis and related result visualization on the updated heterogeneous relation network model, calculating a fraud risk score of each node through a pre-trained machine learning model based on a related result, and finally generating a service instruction of each node based on the fraud risk score and a preset score interval. By adopting the method, the problems of poor adaptability, high false alarm rate, low gang crime recognition rate and the like of the existing anti-fraud technology can be relieved.

A centrally managed system for tuning a plurality of enhanced node-based logistics receptacles includes a backend server, a first enhanced node-based logistics receptacles, and a second node-based logistics receptacles. The backend server transmits a first setup message to a first bridge node, transmits a second setup message to a second bridge node, receives retrieved first event information from the first bridge node and retrieved second event information from the second bridge node, compares the retrieved first event information with a management profile and compares the retrieved second event information with the management profile, revises the management profile based upon the comparison of the retrieved first event information with the management profile and the comparison of the retrieved second event information with the management profile, and transmits an adjustment message that is based upon the revised management profile to the first bridge node.

Systems, apparatus, and methods of managing access to private data via tokens are disclosed. The disclosed techniques provide for constructing digital tokens that represent a right-to-access private data where the tokens can be managed as individual objects. Further, such digital access tokens (DATs) can be recorded on a notarized ledger, a blockchain for example. Additionally, the rights-to-access can be embodied as a non-fungible token (NFT), which could further include support for establishing homomorphic encryption workspaces in which private data can be accessed or manipulated without exposing the private data.

Systems and methods for managing resources across a global and / or cloud network. In particular, systems and methods for mitigating issues related to providing services while resources are offline (or may potentially go offline). For example, the systems and methods may mitigate issues related to providing services while resources are offline (or may potentially go offline) by monitoring network services at an aggregate level.

The invention provides a risk abnormal behavior event identification method based on multi-source risk abnormal behavior data fusion analysis. The method comprises the following steps: S1, obtaining abnormal behavior label data; s2, constructing a knowledge graph ontology structure; s3, extracting entities, attributes and relationships involved in the structured data of the abnormal behavior label data into the constructed knowledge graph ontology structure; s4, for the constructed knowledge graph ontology structure, encoding graph data to obtain corresponding modal features; aiming at the structured data of the knowledge graph ontology structure, coding each source by adopting a corresponding feature coding method to obtain a corresponding modal feature; s5, the obtained modal features are input and mapped to the same vector space for alignment fusion; s6, performing fine tuning training to obtain an abnormal risk behavior recognition model LLM; and S7, superposing the fused multi-modal features, inputting the superposed multi-modal features to the LLM, and guiding the LLM to generate a corresponding output or decision according to the prompt of the specified input.

Systems and methods for decentralized orchestration of event records within decentralized computing environments. A processing system including decentralized execution nodes dynamically allocates microservice instances based upon real-time node performance metrics. Transaction requests including transaction data digitally associated with decentralized identifiers (DIDs) are processed by allocated microservice instances. The processing includes verifying transactions, generating cryptographically-linked immutable memorialization records associated with respective DIDs, and distributing these records to a tamper-evident distributed ledger configured to enforce immutability through consensus nodes. The processing system dynamically reallocates microservice instances among decentralized execution nodes based upon monitored utilization metrics and predefined scaling thresholds. Each memorialization record is cryptographically secured and linked permanently to the DID for data immutability, enhanced security, and dynamic scalability for event data processing in distributed infrastructures.

Novel techniques are disclosed for providing vPLC-specific metadata service including customized vPLC-specific metadata. In certain embodiments, each vPLC may generate a customized metadata using its corresponding vPLC-specific customization instructions. In some embodiments, a vPLC-specific metadata service may be performed using pre-generated customized vPLC-specific metadata, on-the-fly customized metadata, pre-generated CSP-format metadata, or combinations thereof.

The invention provides a risk control strategy dynamic optimization method and system based on a large model, and the method comprises the steps: determining a current risk control strategy system and corresponding strategy execution data, calling the large model to carry out the conjoint analysis of the current risk control strategy system and the corresponding strategy execution data, and generating a strategy structure map and a deviation diagnosis report; based on the strategy structure map and the deviation diagnosis report, generating a strategy adjustment scheme containing a rule logic reconstruction suggestion and a rule priority optimization sequence, and according to the strategy adjustment scheme, updating the current risk control strategy system to obtain an optimized risk control strategy system; and finally, effect verification is carried out on the optimized risk control strategy system through a dynamic verification mechanism, and a verification result is used as newly added data of strategy execution data, so that dynamic optimization of the risk control strategy is realized, and the accuracy and adaptability of the risk control strategy are improved.

Various embodiments described herein relate to systems, methods, and non-transitory computer-readable media structured to perform server-to-device secure data exchange using a device access token. In an embodiment, a smart device receives, from a requestor entity provided to the smart device, an account data provisioning request for an account. Based on the account data provisioning request, an account identifier for the account is determined. In some arrangements, the account identifier comprises or is associated with a device access token. Based on the device access token, a data element associated with the account is determined. In some embodiments, the data element is accessible to the requestor entity only if it is not access-restricted based on the device access token. Based on the data element, an executable graphic rendering instruction is generated. The executable graphic rendering instruction is executed, which includes generating and displaying, on a user interface of the smart device, a dynamic account status indicator relating to the account.

Processing transaction data using artificial intelligence (AI) is described. A payment service computing platform may receive transaction data associated with users of a payment application, wherein the transaction data is received in a computer-readable format, and the payment service computing platform may provide a prompt to a trained AI model, wherein the prompt includes a portion of the transaction data that represents a transaction associated with a user of the users. The payment service computing platform may determine, based at least in part on the trained AI model processing the prompt, one or more attributes of the transaction, and cause information indicative of the one or more attributes to be presented via the payment application executing on a user device of the user, wherein the information is presented (i) in a graphical user interface and (ii) in a user-readable format instead of the computer-readable format.

A method, apparatus, and system of activating and using a contactless card via unique activation codes are disclosed. A system includes a memory and a processor configured to: receive an account number for a contactless card from a third party computing system; generate a card activation code for the contactless card, the card activation code being unique to the contactless card; generate a customer-specific uniform resource locator (URL) by appending the card activation code to a general URL, the general URL being associated with an entity of the system; transmit the customer-specific URL to the third party computing system with instructions to write the customer-specific URL into a wireless chip of the contactless card; associate the card activation code with the account number and information regarding a customer associated with the contactless card; and store the card activation code within the memory to be referenced during activation.

Methods and systems for remote check deposit are disclosed. A check for deposit is processed without the need for a server to receive any image of the check initially. Instead, optical character recognition (OCR) data is received at the server from a mobile device. Verification processing for the check is then performed using the OCR data. If the verification process is successful, a confirmation notification is sent to the mobile device. Subsequently, after sending the confirmation notification, a check image is received, from which the OCR data was determined. The check is, in turn, processed for deposit using the received check image.

Techniques for facilitating connectivity to vPLCs created in a CSP-provided infrastructure in a region. Within the CSP-provided infrastructure in a region, when the destination of a packet is determined to be an endpoint associated with a particular vPLC, the packet is tagged with information related to the particular vPLC. The vPLC-related information for the particular vPLC can include, for example, a vPLC identifier identifying the particular vPLC, an identifier identifying a customer associated with the endpoint, a virtual cloud network identifier identifying a virtual cloud network (VCN) belonging to the particular vPLC and where the endpoint is part of the VCN, and other vPLC-related information. The packet is then routed or communicated within the CSP-provided infrastructure in a region along with the tagged vPLC-related information. The vPLC-related information is used as part of the connectivity and for routing of packets within the CSP-provided infrastructure in a region.

The invention discloses a cross-border e-commerce block chain payment credit chain system and a method thereof, and realizes data sharing, information real-time synchronization and credit information dynamic transmission of each participant in a transaction by constructing an alliance block chain network. The system comprises a credit management module, a risk control module, an intelligent contract payment module, a digital currency exchange module and a security collaboration module, and multi-dimensional credit assessment, dynamic risk prediction and automatic payment are realized by using cross-domain technologies such as federated learning, trusted execution environment and homomorphic encryption. Through fund freezing, real-time digital currency exchange, payment triggered by performance conditions and other mechanisms, the cross-border payment clearing period is remarkably shortened, the transaction cost is reduced, the payment safety and supervision transparency can be improved, and the problems that traditional cross-border payment is low in efficiency, high in cost, difficult in risk control and the like are effectively solved.

Systems and methods are disclosed for performing an electronic transaction using a hosted transaction page. One method comprises providing a hosted transaction page to a first data system, the hosted transaction page enabling the first data system to request an electronic transaction. Via the hosted transaction page, authentication data may be received from a user. The received authentication data may be encoded into a first format and tokenized into tokenized authentication data. The tokenized authentication data may then be transmitted to the first data system. An authorization request for performing the electronic transaction based on the tokenized authentication data may be received from the first data system, then transmitted to a second data system.

The invention discloses a financial fraud behavior intelligent tracking and early warning system, and the system comprises an obtaining module which is used for obtaining a risk behavior in a financial interaction event, and a plurality of interaction objects and a plurality of interaction behavior signals corresponding to the risk behavior; the construction module is used for constructing a risk data chain based on the plurality of interaction objects and the plurality of interaction behavior signals; the first determination module is used for determining risk information of each risk node in the risk data chain; the judgment module is used for judging whether financial fraud behaviors exist or not according to the risk information of each risk node; and the tracking and early warning module is used for carrying out intelligent tracking and early warning on the financial fraudulent behavior according to the risk data chain when the financial fraudulent behavior is determined to exist. The risk information of the risk node is locally determined based on the risk data link, whether financial fraud behaviors exist or not is judged from the whole risk data link, and accurate tracking and early warning are achieved.

Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partner's backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.

A mobile consumer device with a display, processor(s), and memory: identifies a merchant device in proximity to the consumer device based on broadcasted information transmitted by the first merchant device, the broadcasted information including a first identifier corresponding to the first merchant device; transmits the first identifier to a server and receives from the server an electronic communication including identification and transaction information associated with the merchant; displays the identification information, receives user selection of the merchant identification information; and in response, displays the merchant transaction information, receives supplemental user information, and transmits the supplemental transaction information to the server for completion of the transaction.

The invention relates to the technical field of financial risk control, and discloses a telecommunication fraud risk identification method based on a bank card transfer scene. The method comprises the following steps: a basic feature construction stage: acquiring multi-source data of historical victim users, extracting multi-dimensional features, and processing the multi-source data into standardized time sequence data through feature coding and a DTW algorithm; in the multi-modal fusion and adversarial learning stage, a core layer containing a multi-modal analysis engine, a risk reasoning model and an adversarial generation model is constructed, and multi-modal feature fusion, risk probability output under an RLHF framework and simulated fraud feature generation driven by WGAN-GP are achieved; in the strategy output stage, risk scores are mapped through a double-layer scoring system, and three-level interception is triggered; in the model management stage, model iteration is achieved by means of a monitoring instrument panel and a rolling time window, the online effect is guaranteed by combining gray release and A / B testing, the telecommunication fraud in the transfer scene can be accurately recognized, and the risk control efficiency is improved.

Systems and methods for cryptographic key transfer are disclosed. A system receives an encrypted private key that is encrypted using a private key encryption key. The system receives an encrypted private key encryption key that is encrypted using a trusted contact encryption key. The system receives an indication that a condition is satisfied. The system sends the encrypted private key and the encrypted private key encryption key to a transferee device. The system receives, from the transferee device, a request for a transfer of funds. The request is signed using a private key, the private key having been decrypted from the encrypted private key using the private key encryption key, the private key encryption key having been decrypted from the encrypted private key encryption key using a trusted contact decryption key corresponding to the trusted contact encryption key. The system facilitates the transfer of funds in response to the request.

Techniques are described, as implemented by computing devices, to control access to digital content through use of nonfungible tokens (NFTs). This is performed by leveraging a blockchain such that digital content associated with an item is made available to supplement use of the item (e.g., to supplement use of a physical item, digital content, and so forth) or make other functionality available based on a user's possession of the item.

A method of provisioning a credential for a transaction between a payment device of a user and a transaction processing device is described. The method is implemented a third-party server remote from the payment device and the transaction processing device. The method comprises assigning the credential to the transaction and the user and provisioning the credential into the payment device for subsequent retrieval by the payment device. Assigning the credential to the transaction comprises: determining unique identifying information of the user; allocating a first user-identifying portion of the credential to correspond to the unique identifying information; determining a plurality of properties intrinsic to the transaction and encoding the plurality of properties into transaction-identifying information; and allocating a second transaction-identifying portion of the credential to correspond to the transaction-identifying information. The credential is associated with encrypted authentication data that is generated by the payment device during the transaction, and used for subsequent authentication of the transaction by the remote third-party server.