422 results about "Electronic transaction" patented technology

The system enables one to securely recycle an electronic device in a publicly accessible location. In particular, the embodiment described may be used by a mobile phone owner to submit his / her mobile phone for recycling via an electronic kiosk and receive compensation in some form. The compensation might be dispersed via cash, voucher, credit or debit card, or other magnetic or electronic transaction methods.

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.

A method and apparatus for using cryptographically signed secure identifiers to detect fraud during network based transactions are described. The method may include receiving a transaction from a user device, the transaction comprising a secure identifier purported to be associated with the user device, and the transaction further comprising transaction data. The method may also include extracting a first identifier and a second identifier from the secure identifier purported to be associated with the user device, and then regenerating a true second identifier using the first identifier. Furthermore, when it is determined that the true second identifier matches the second identifier extracted from the secure identifier purported to be associated with the user device, the method may include determining that the secure identifier is valid, and processing the transaction based at least in part on the determination that the secure identifier is valid.

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.

An apparatus and a method are disclosed for analyzing attributes of electronic transactions. The method includes generating a combined standardized transaction data structure based on analysis of transaction data; creating or updating one or more composite risk signals based on analysis of event data; obtaining one or more additional risk signals using machine learning based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, the event data, or third party data received from a third party data provider; and generating at least one of a detection event, a transaction alert, a case management message or a regulatory filing message based on at least one of: the combined standardized transaction data structure, the one or more composite risk signals, or the one or more additional risk signals obtained by machine learning, or the third party data.

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 method is provided for registering tokens of an electronic transaction system, wherein each token of the transaction system contains at least a token value and a private part of a token-specific key pair as token elements. A token reference register and to a transaction system employs features of the method.

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 dynamic creation of data specification-driven AI-based executable strategies for high availability of evaluation services. A service provider, such as an electronic transaction processor for digital transactions, may utilize different decision services that implement rules and artificial intelligence models for decision-making of data including data in production computing environment. A decision service may normally be used for data processing and decision-making. However, at certain times, the decision service may fail or the services and / or a gateway for such services may be inaccessible. To provide higher availability and better SLA times, a client-side executable strategy for decision service execution may be determined using the pathways for strategy execution and available data from called resources. This strategy may be loaded in parallel to calling the decision service, and when failure occurs, may be used as a fallback to request processing.

There are provided systems and methods for dynamic user interfaces and content with reduced code development using an intelligent scenario simulation engine. A service provider, such as an online transaction processor, may provide computing services to users, such as electronic transaction processing, which may be facilitated and / or assisted by agents of the service provider. To provide dynamic user interfaces and content tailored to a user experience and based on different simulated scenarios of the user experience, the service provider may utilize a simulation engine to simulate permutations of user interfaces and content from combinations of the user and / or agents data and service states of available services that may be accessed and used through the user interfaces. This may utilize a large language model and / or generative AI to simulate such scenarios, as well as computing code for the user interfaces and calls to provide content via the services.

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.

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.

There are provided systems and methods for enriching AI models during data call failures using real-time IoT tokens. A service provider, such as an electronic transaction processor for digital transactions, may provide computing services to users including those for electronic transaction processing. In order to provide computing services, machine learning engines and neural networks may be used to compute scores ingested by computing services for intelligent decisions, predictions, classifications, and the like. The scores may though have inaccuracies and decay, which may be made worse when data fails to load for particular model or network features. As such, the service provider may utilize a framework to enrich scores through computing their entropy as a function of errors and randomness with their decay as a function of inaccuracies over time. IoT tokens may then be used to enrich and provide further accuracy or validity time based corresponding real-time data.

Systems and methods are disclosed for executing an electronic transaction using a digital wallet. One method includes receiving an express checkout request and electronic transaction data from an electronic transaction browser. The digital wallet system may determine whether a user is enrolled in the digital wallet system. The digital wallet system may transmit a verification request to the electronic transaction browser upon determining the user is enrolled in the digital wallet system. The digital wallet system may receive a verification response from the electronic transaction browser. The digital wallet system may generate a graphical interface including predetermined user data. The digital wallet system may complete an electronic transaction based on the user response.

A computer program product, computerized method, and system for generating a Hybrid Non-Fungible Token and using a Hybrid Non-Fungible Token to confirm an identity during an electronic transaction. The Hybrid Non-Fungible Token containing Forensic Data which will include at least one of the following; unique biometric data, unique state issued identifying documents or specific unique machine attribute data tied to a specific computerized system. The plurality of authenticating servers further utilizing the Zero Knowledge Proofs to ensure that the servers in a group are authorized to have access to the Blockchain containing the Hybrid Non-Fungible Tokens. The invention further includes an Ethereum Blockchain distributed on the plurality of authenticating servers.

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.

There are provided systems and methods for interpretive and qualitative assessments of document image quality for document image submissions. 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 including for electronic transaction processing. When utilizing these services, document verification may be required to verify a document. A user may capture an image of a document, such as a driver's license, and an image quality assessment engine may process the image using a pipeline of neural networks configured to provide interpretive and qualitative assessments. A first neural network may determine key information fields present in the image for the document and a document type for the document in the image. A second neural network may then determine image data quality for the fields in the image.

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 machine learning engine may be trained using artificial intelligence techniques and used according to techniques discussed herein. While an initial electronic transaction for a resource may be permitted, a subsequent related transaction to the initial electronic transaction may be analyzed in view of additional electronic information that was not available at the time of the initial transaction. Analysis of the subsequent related transaction, using the machine learning engine, may indicate a new classification related to the resource and / or the acquisition of the resource. Based on this new classification, usage of the resource may be restricted and / or denied, and the initial transaction for the resource may even be canceled retroactively.

There are provided systems and methods for correlating messages from asynchronous message queues using polling with exponential backoff and jitter. 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 including for electronic transaction processing. When utilizing these transaction processing services, merchant locations may utilize payment terminals, such as card and NFC readers, as well as point-of-sale devices, each of which may independently send transaction messages to the service provider. To correlate these messages from different queues, the messages may be stored when received in an intermediary storage independently and the other storage polled at intervals with exponential backoff to identify corresponding messages and data. Further, jitter may be introduced to the polling process to stagger polling events for different messages.

Methods and systems described herein may implement blockchain cryptocurrency transactions in a variety of environments. An online transaction processor may provide operations for user activity detection for locking cryptocurrency conversions. The transaction processor may detect used activities for a user online or at a physical location and determine that those activities indicate that the user will engage in electronic transaction processing at an upcoming time. The transaction processor may determine that the user has available cryptocurrency and may want to convert at least a portion of the cryptocurrency to another currency for the electronic transaction processing. Using a cryptocurrency exchange, the transaction processor may determine a price to convert the cryptocurrency to the other currency and may lock that price for a time period for the user. A notification may be transmitted to the user with a user interface element to accept this offer.

A method and apparatus for performing privacy preserving fraud detection in network based transactions are described. The method may include receiving a fraud detection message during a transaction between a user system and a merchant system, the message having a set of cryptographically transformed universal resource locator (URL) components generated from a URL of a web page of the merchant system on which the transaction is to occur. The method may also include generating one or more secure and anonymous fraud detection features, each fraud detection feature comprising a select subset of the cryptographically transformed URL components. The method may also include performing fraud detection for the web page using the one or more secure and anonymous fraud detection features to determine a likelihood that fraud is occurring in the transaction.

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.

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 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.