American Express Travel Related Services Company, Inc.

Lithic, Inc.

Pay with Privacy, Inc.

Andrew Roth

Jason William Kruse

Boling Jiang

Vernon Marshall

Satish Thenthiruperai Narayanan

Xiongwen Rui

Aruj Ahluwalia

Thomas K Serge

Mehmet E Dedeoglu

Iwao Fusillo

Eddie J Alvarez

Qaiser S Shakeel

Lewis A Tierney

In one embodiment, a method includes receiving, at a first server, from a privacy component on a user device, a privacy communication request including device data for the user device and server data for a second server communicating with the user device, generating a privacy communication response to be transmitted by the second server to a third server, the privacy communication response including a privacy communication string tagged to the second server and a privacy communication string record identifying the second server, transmitting, to the privacy component, the privacy communication string, receiving, from the third server, an approval request for a secure exchange associated with the privacy communication string, the approval request identifying a requesting server associated with the secure exchange, analyzing the approval request to determine whether there is a match between the requesting server and the second server, and transmitting, to the third server, a validation response.

Systems and methods for automatically securing and validating multi-server electronic communications over a plurality of networks

In one embodiment, a method includes receiving, from a user device, a first request for a privacy transaction card comprising a plurality of transaction metadata strings associated with a pending transaction between the user device and a first merchant server, analyzing, using a machine learning model, the transaction metadata strings in the first request to determine a risk assessment score for the first request, the machine learning model being trained to determine risk assessment scores based on multiple second requests stored in a privacy transaction database, determining whether the risk assessment score for the first request exceeds a specified risk threshold associated with the pending transaction, generating, upon determining the risk assessment score is below the specified risk threshold, a privacy transaction card comprising a unique privacy payment card number associated with the user device and the first merchant server, and transmitting, to the user device, the privacy transaction card.

In one embodiment, a method includes receiving, at a privacy transaction platform server, from a transaction network server, a transaction approval request associated with a user device and a requesting server including proffered transaction strings and proffered server properties associated with the requesting server, retrieving a privacy transaction record associated with the user device including tagged transaction strings and server properties associated with a provider server, determining that there is a transaction string match between the proffered transaction strings and the corresponding tagged transaction strings, determining that there is a server match between the requesting server and the provider server based on a validity metric for the transaction approval request exceeding a specified confidence threshold based on an analysis of the proffered server properties and the provider server properties, and transmitting, to the transaction network server, a validation response approving the requested transaction.

In one embodiment, a method includes receiving, at a privacy transaction server, from a user device, a privacy transaction card creation request including merchant metadata for a first merchant server, generating a privacy transaction card associated with an issuer server, storing, in a privacy transaction database, a privacy transaction card record for the privacy transaction card, including tagged card data identifying the first merchant server, transmitting, to the privacy component, the privacy transaction card, receiving, from the issuer server, a transaction approval request associated with the privacy payment card, the transaction approval request including transaction metadata identifying a second merchant server, retrieving the privacy transaction card record, analyzing the transaction metadata and the tagged card data to determine whether there is a match between the first merchant server and the second merchant server, and transmitting a transaction approval response indicating whether the transaction is approved.

This disclosure relates to methods and systems for automatically securing and validating multi-server electronic communications over a plurality of networks, without requiring additional physical or programmatic infrastructure on the intermediary servers. A processor-executable component can be transmitted from a first server to a compute device, where it generates a pair of asymmetric cryptographic parameters. The first server uses one of those parameters to verify subsequent communications from the component and respond with tagged privacy communication strings, which the component can provide to a second server as part of a secure communication exchange. The first server can then receive secure communication exchange approval request from a third server and analyze the request to determine a validity metric. If the validity metric meets a specified threshold, the first server transmits a validation of the secure communication exchange approval request to verify and complete a secure data exchange between the compute device and the second server.

This disclosure relates to methods and systems for automatically securing and validating multi-server electronic communications over a plurality of networks, without requiring additional physical or programmatic infrastructure on the intermediary servers. A processor-executable component can be transmitted from a first server to a compute device, where it generates a pair of asymmetric cryptographic parameters. The first server uses one of those parameters to verify subsequent communications from the component and respond with tagged privacy communication strings, which the component can provide to a second server as part of a secure communication exchange. The first server can then receive secure communication exchange approval request from a third server, and analyzes the request to determine a validity metric. If the validity metric meets a specified threshold, the first server transmits a validation of the secure communication exchange approval request to verify and complete a secure data exchange between the compute device and the second server.

A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to receiving, by an application of a transaction account holder web client, a first passively pushed message, in response to a declined first attempt of a transaction request transmitting, by the transaction account holder web client, a response to the first passively pushed message; receiving, by an application of the transaction account holder web client, a second passively pushed message, in response to the response to the first passively pushed message meeting pre-established criteria; and transmitting, by the transaction account holder web client, a second attempt of the transaction request, wherein the second attempt is authorized.

Authorizing an initially declined authorization request

A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.

Smart phone system and method

A third party facilitates exchange of customer data between first and second entities while maintaining customer privacy. Personally identifiable information (PII) and first entity customer attributes of a first set of customers are received from a first entity. PII for a second set of customers is received from a second entity. First and second set common customers are identified using the PII of the first and the second set of customers. Subsequently, a list of third set of customers is sent to the second entity. The list of third set of customers includes the common customers and a plurality of other customers from the second set of customers. Second entity customer attributes are received for each customer in the list of third set of customers. Further, the first entity customer attributes of the common customers and the second entity customer attributes of the common customers are linked.

Growing community of inventors

Scarsdale, NY, United States of America

Andrew Roth