282 results about "Electronic transaction" patented technology

There are provided systems and methods for automated chatbots that detect privacy data sharing and leakage by other automated chatbot systems. A service provider and other chatbot services, including an electronic transaction processor, may provide self-service channels for assistance through chatbot and other automated computing processes. However, these chatbots may be regulated by compliance with privacy protection requirements, and therefore use of the chatbots and / or user data when responding to users via chatbots in chat sessions may be noncompliant and / or attacked by malicious users to compromise privacy protected data. In order to facilitate detection of leaks and shares by chatbots, an AI for a privacy protection chatbot may be trained on regulations for chatbot use and / or data security and privacy protection. The chatbot may then interact with other chatbots and question the other chatbots using the trained AI model to detect whether privacy protected data is exposed.

An electronic hardware wallet for conducting cryptocurrency transactions, blockchain transactions, or other secure communications is embodied on a monolithic integrated circuit (IC) die supported on a single substrate. The monolithic semiconductor device can include a non-volatile data store for storing application software executable by the multi-core processor, and the secure element can include a secure data store for storing secret data (e.g., a private key) for use in a secure electronic transaction. In some embodiments, the secure element can include hardware logic embodying a cryptocurrency algorithm associated with executing the secure electronic transaction and can have a limited and selective communication bus between the secure element and the multi-core processor. The electronic hardware wallet can communicatively couple with one or more other devices to facilitate a multi-party computation (MPC) algorithm for authenticating the cryptocurrency algorithm and validating the secure electronic transaction.

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.

There are provided systems and methods for configuration-driven efficient transformation of formats and object structures for data specifications in computing services. A service provider, such as an electronic transaction processor for digital transactions, may utilize different computing services that implement rules and artificial intelligence models for decision-making of data including data in production computing environment. Different services may process data in different data formats and structures. However, transformation of data between different services, such as a gateway service that may receive data processing requests and / or data objects and downstream services that may process such requests and objects, may take significant time and resources. A configuration-driven data transformation platform may intelligently create code for and select from transformers that may be used for data transformations. When selected, the transformers may transform data between services faster and more efficiently by being specifically selected based on past performances and code configurations.

Methods and systems are presented for providing a framework for facilitating electronic transactions by dynamically managing and sharing user data with multiple online platforms. As a user accesses one or more online platforms, a connect system that is integrated with the online platforms interacts with the user and obtain, from the user, user data that is usable for completing transactions between the user and the online platforms. The user data is stored in a user profile associated with the user and linked to an identifier of the user. When the user subsequently accesses an online platform, the connect system authenticates the user based on an identifier associated with the user, and share at least a portion of the user data stored in the user profile with the online platform to facilitate a transaction between the user and the online platform.

A server computer system for detecting a fraudulent electronic transaction may be configured to receive a transaction associated with a merchant. The system processes the transaction with a first machine learning model that is trained specific to the merchant, to obtain a first fraud detection, and processes the transaction with a second machine learning model that is trained based on a plurality of merchants, to obtain a second fraud detection. The system detects fraud associated with the transaction based on the first fraud detection and the second fraud detection. In response to detecting the fraud that is associated with the transaction, the system blocks the transaction.

There are provided systems and methods for data security systems for controlling access to restricted data and data processing flows to prevent comprising data and flow abuses. A service provider, such as an electronic transaction processor for digital transactions, may provide a restricted access controller and dynamic permission calculator to enforce more granular and dynamic permissions of data access and restricted such access to prevent unauthorized access through flow abuse. To prevent malicious actors from circumventing required authorizations to data, the restricted access controller may provide permissions for data based on the particular data portion and elements, which may be determined based on the context of the data when entering the system or when requested by users. Further, permissions may be dynamically calculated when users request data instead of static permissions, which may be based on the flow, such as how the user arrives at the data being requested.

There are provided systems and methods for scenario-based decisioning by machine learning models for data processing retry success. A service provider, such as an electronic transaction processor for digital transactions, may detect a failure of data processing for a transaction or other request when processed with a data processing system. In order to minimize cost and wasted resources for retrying transactions that are likely to further fail, machine learning models may be implemented that generates a predictive score for whether a failed transaction is likely to be successful if retried with the data processing system. This may be done when the transactions are received or detected, which may occur prior to failures, for different scenario-based decisioning. Scenarios for failures may be processed by the models with different retry strategies and a predictive score may be used to predict a probability of success of the retry.

Disclosed are systems, servers and methods for a novel, multifactor-token based framework for securely executing electronic transactions while protecting user and transactional data related to and / or communicated during the transactions. The disclosed systems and methods enable an on-demand multifactor token to be generated for electronic transactions, whereby the tokens can be specific to a type of transaction, a type of entity and / or other party involved, and the like. The disclosed tokens can be relayed between users and the parties they are interacting with rather than personally identifiable information, which ensures a user's data is securely maintained and prevented from undesired exposure on a network.

The illustrative embodiments provide a data platform, system and method for utilizing carbon credits through blockchain-based tokenization. The platform receives carbon utilization data corresponding to at least one carbon credit and executes a smart contract on a blockchain network based on the received data. Execution of the smart contract generates one or more blockchain tokens that embed metadata including a hash of the carbon utilization data and a unique security identifier. The platform performs electronic transactions for the tokens by propagating transactions for distributed consensus, verifying token authenticity through comparisons with distributed-ledger records, or generating immutable electronic records indicating tracking information for the carbon credit. Records of the electronic transactions are stored in a distributed ledger as immutable entries linking token activity to corresponding carbon utilization data.

Systems and methods are provided for managing electronic tokens associated with an account. A system may include a memory storing instructions and account information associated with an account, and a processor configured to executed the stored instructions to: access information associated with one or more electronic tokens associated with the account, wherein the information includes one or more token settings, receive, via a network, information for a transaction request including a first token; analyze the received information to determine whether at least one rule in the one or more token settings is violated, responsive to a determination that at least one rule is violated, transmit an indication that the transaction request is denied, and responsive to a determination that no rules are violated, detokenize the transaction request.

The present invention relates to a method for facilitating electronic transactions between transmitting bank entity and a receiving bank entity made by a user. The method involves receiving payment details from a user through a user interface and initiating a transaction request using these payment details by the transmitting bank entity. The transaction request is then transmitted to a receiving bank entity, which processes the request to determine transaction approval based on the provided payment details. The receiving bank entity subsequently sends a transaction response to the transmitting bank entity, indicating approval or denial of the transaction request, back to the transaction processing system. Finally, the user is notified of the transaction response via the user interface. Disclosed embodiments optimize and streamline the electronic transaction process, ensuring efficient and secure handling of payment details and transaction requests between bank entities.

There are provided systems and methods for an automated domain crawler and checkout simulator for proactive and real-time scam website detection. A service provider, such as an online transaction processor, may provide a domain crawler and checkout simulator that may be used to detect scam websites when registered and / or configured to utilize intermediary webpages of other domains to perpetrate fraud or scams on customers. The domain parser may detect new domain registrations and may parse through their corresponding websites to identify those that include checkout options or other processing flows that proceed through steps and use a service or feature of a service provider, including account usage for electronic transaction processing. The checkout simulator may then simulate a user's experience through the checkout to determine if domain redirections occur. If so, those redirections may be checked to identify usage of a merchant account having been flagged for scams.

There are provided systems and methods for identifying transaction processing retry attempts based on machine learning models for transaction success. A service provider, such as an electronic transaction processor for digital transactions, may detect a failure of data processing for a transaction when processed with a separate data processing system, such as a card processing system for payment cards. In order to minimize cost and wasted resources for retrying transactions that are likely to further fail, a machine learning model may be implements that generates a predictive score for whether a failed transaction is likely to be successful if retried with the data processing system. The predictive score may be used to predict a probability of success, which may then be used with a cost function to determine a cost to retry the failed transaction and a cost to stop a retry of the failed transaction.

A system for securely updating an electronic transaction card held by an account holder with an additional account and / or account data is described. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and / or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and / or the inactive data may be activated via an activation signal received from a mobile device.

A transactional method and system of incentivizing task performance using token-based exchange for electronic payment authentications. The system and method are configured to reward a person with electronic tokens for tasks that are performed and verified by the system. These tokens can then be exchanged by the user for completing purchases via online retailers or other electronic payment-based services. Verification can involve the use of natural language processing and image comparison algorithms to determine whether a particular task has been successfully completed.

There are provided systems and methods for sentence level dialogue summaries using unsupervised machine learning for keyword selection and scoring. A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users, which may be used to engage in interactions with other users and entities. When utilizing these services, memoranda may be generated that includes text from different online interactions. To provide summarization and searching of the memoranda, the service provider may implement an unsupervised machine learning framework that utilizes machine learning models to perform text preprocessing, keyword extraction, and keyword weighting when ranking and outputting relevant keywords. Once extracted and ranked, the keywords may be used to provide different insights to the memoranda. The keywords may be selected based on domains and tasks and the framework may be made pluggable and customizable for different systems and search operations.

Systems and methods are disclosed for movement-based signature authentication. One method comprises determining one or more features associated with a user based on one or more two-dimensional images and determining one or more body points associated with the user based on one or more three-dimensional images. A movement pattern of each body point of the user is determined based on the one or more three-dimensional images. The one or more determined features are compared to corresponding one or more stored features associated with the user. If the one or more detected features match the one or more stored features, the one or more determined movement patterns are compared to a unique electronic signature associated with the user. Upon determining that the one or more determined movement patterns match the unique electronic signature, the user is authenticated for electronic transaction.

There are provided systems and methods for automated code generation using large language models (LLMs) for software platform integrations with computing services. An online transaction processor or other service provider may provide computing services and platforms to entities including merchants for electronic transaction processing and other account services. To provide for conde integrations of the computing services with software platforms of merchants, such as software systems for merchant websites and applications, the service provider may provide for an automated code generation tool that processes data for the software platform and the service to be integrated and provides recommendations and source code. An LLM may be prompted in parts to generate the code after analyzing legacy code from previous integrations and information for the merchant's software platform, and the merchant may be provided new code for testing and implementation.

Systems and methods are directed to an improved fraud detection feature in implementing online transaction. The proposed solution is based on generating an enhanced transaction verification request with access-device specific data parameters and merchant-provided data. The data is then converted into an XML format and integrated into the transaction verification. The account verification server, received the enhance transaction request and executes a risk assessment model based on the provided data parameters to compute a validity risk score for the transaction request, which in term informs the verification decision and subsequent messaging content transmitted back to the merchant system. Based on the computed risk score, the verification messaging can involve a direct validation, direct rejection or a delayed verification / rejection contingent upon secondary authentication data requested and received from the user and / or the merchant. The computed value of the risk score also determines the strength factor required for the secondary authentication data.

There are provided systems and methods for a computing framework for enforcement of data privacy consent through device fingerprints. A service provider, including an electronic transaction processor, may provide consent management and enforcement through device fingerprints server-side in place of using device-side cookies or other data. When a device interacts with a service provider and provides or generates user data, the user of the device may opt-in to consenting to share or use that user data for targeted content and / or personalized services. The device may be fingerprinted using unique device parameters and a fingerprinting algorithm to generate a unique device identifier. User segments may then be built for the user based on the user data and to hide or obfuscate the user data. The device fingerprint may then be shared with the user segments so that when the device is further detected, targeted content and personalization may be provided.

Disclosed are systems, servers and methods for a novel, multifactor-token based framework for securely executing electronic transactions while protecting user and transactional data related to and / or communicated during the transactions. The disclosed systems and methods enable an on-demand multifactor token to be generated for electronic transactions, whereby the tokens can be specific to a type of transaction, a type of entity and / or other party involved, and the like. The disclosed tokens can be relayed between users and the parties they are interacting with rather than personally identifiable information, which ensures a user's data is securely maintained and prevented from undesired exposure on a network.

Systems and methods are disclosed for movement-based signature authentication. One method comprises determining one or more features associated with a user based on one or more two-dimensional images and determining one or more body points associated with the user based on one or more three-dimensional images. A movement pattern of each body point of the user is determined based on the one or more three-dimensional images. The one or more determined features are compared to corresponding one or more stored features associated with the user. If the one or more detected features match the one or more stored features, the one or more determined movement patterns are compared to a unique electronic signature associated with the user. Upon determining that the one or more determined movement patterns match the unique electronic signature, the user is authenticated for electronic transaction.

A system and method may generate a normalized protocol model that leverages heterogeneous distributed ledger technology and is interoperable across different blockchain networks that may initially use different network protocols. The model may be generated by leveraging neuro-symbolic artificial intelligence (AI). The model that is generated may be based on the different network protocols that are in use at the different blockchain networks. The model may be adopted by the blockchain networks upon the blockchain networks providing unified consent to its adoption. The model may be required to be implemented by each of the different blockchain networks. The consensus to adopt the model may be recorded in one or more smart contracts. Copies of the smart contracts may be stored at the blockchain networks. The normalized protocol model may allow electronic transaction, data exchanges, and communications to be performed across blockchain networks and recorded in a heterogeneous distributed ledger.

There are provided systems and methods of bot detection through explainable deep learning and rule violation codebooks from generative AI. A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users for processing various requests and interactions with those users. However, malicious users may utilize bots, such as automated scripts and software applications, that attempt to conduct fraud, compromise systems and data, and the like. To provide better bot and bot activity detection, the service provider may implement an explainable deep learning system that may generate rule violations of rules indicating bot activity or presence in computing logs and interactions using a generative AI. The violations may have a corresponding explanation in codebooks to automate bot detection. When bot activity is detected, the explanation may provide a reason for the bot activity detection.

Autonomous devices and systems, methods, and program products for authorizing and performing autonomous devices transactions are disclosed. An autonomous device can be configured to generate a first hash value of a chain of hash values by applying a hash algorithm to first data including first new data and a first previous hash value of the chain of hash values, the first previous hash value computed by applying the hash algorithm to first previous data. The device can transmit to a transaction computer system the first hash value and the first new data. The device can generate and transmit to the transaction computer system a first signed electronic transaction request comprising first transaction data comprising a sending account identifier associated with the autonomous device, a destination account identifier, a transaction amount, and a timestamp. The device can digitally sign the transaction request using a private key of an asymmetric key pair.

The invention relates to the technical field of enterprise data security exchange, and particularly discloses a data space system and a connector assembly and a data circulation method thereof. The system comprises: a data space platform providing enterprise registration, purchase and registration of a connector assembly, issuing and transaction functions of a data product, and issuing a signed electronic transaction contract; the at least two connector assemblies are deployed in the corresponding enterprise intranet and have public network access addresses, and the zero-trust gateway controls the access permission granularity of a network port of the deployment equipment based on a dynamic strategy; the network agent module receives a data request of a user, performs asymmetric encryption processing on request data, and initiates a validity verification request to the connector service module through the Socket communication interface; the connector service module performs validity verification on the validity verification request based on the transaction evidence and the electronic contract information and returns a result; the method has the advantages of solving the data island phenomenon, improving the safety protection capability and reducing the deployment operation and maintenance complexity.

A computer system and method for tokenizing an IoT device is provided. The system comprises at least one processor and a memory storing instructions which when executed by the processor configure the processor to perform the method. The method obtaining device information, generating a credential token based on the device information, and processing an electronic transaction using the credential token.

A method for detecting fraudulent transactions may include receiving transaction data for a plurality of transactions, assigning a unique identifier to each transaction, sorting the plurality of transactions into a first plurality of groups of transactions by a first sorting parameter, assigning the unique identifier of a first transaction within each group to all other transactions within the respective group, sorting the plurality of transactions into a second plurality of groups of transactions by a second sorting parameter, assigning the unique identifier of a second transaction within each group to all other transactions within the respective group, determining whether each group of transactions is a sequence of fraudulent transactions, and upon determining that a group of transactions is a sequence of fraudulent transactions, marking each transaction among the determined group of transactions as potentially fraudulent.

A system and method for auto-healing a microservices information flow across containers in a cloud. A cloud service request may be received in connection with a previous electronic transaction request that was not successfully performed by a cloud-based application. The unsuccessful performance may be related to parameters that were used for the transaction. A generative AI engine may be used to auto-heal the microservices information flow. The auto-healing may include updating one or more parameters associated with the electronic cloud service request. The generative AI engine may update the parameters based on one or more previously used solutions and may perform the updates on the fly. The updated parameters may be application program interface (API) parameters that have been added, deleted, or changed. The requested transaction may be a banking transaction. The transaction may be reprocessed based on the updated parameters.