Disclosed herein are methods and systems for electronic authentication including receiving a purchase request from a browser application executing on a first electronic device; determining a user identifier associated with the purchase request; responsive to determining that the browser application does not satisfy a security threshold, identifying an active authenticated session for the user identifier, wherein the active authenticated session was generated using a second electronic device of a set of pre-authorized devices associated with the user identifier; generating a token for the purchase request before an expiration of the active authenticated session; and authorizing the purchase request using the token.

A method for authenticating a consumer. The method includes receiving an authorization request message associated with a consumer conducting a transaction with a portable consumer device. A challenge message is sent to the consumer, where the challenge message is dynamic or semi-dynamic. A challenge response message is received from the consumer, and an authorization response message is sent to the consumer. The authorization response message indicates whether or not the transaction is authorized.

Described herein are methods and systems to generate and display interactive graphical user interfaces that receive data inputs from users. A server receives, from a web server, a request to display electronic content comprising at least one interactive graphical element corresponding to a payment option on a webpage hosted by the webserver displayed on a user device, the request comprising a unique identifier associated with a user interacting with the webpage; calculates an attribute of the payment option for the user; transmits for presentation on the webpage, at least one graphical element comprising the payment option, the interactive graphical element configured to receive an input from the user interacting with the webpage; and upon receiving an indication of interactions with the graphical element, transmits a monetary amount to an account of a merchant associated with the webserver.

Gateways for patient-responsibility portions of medical bills (PRPMB) transactions, regardless of healthcare provider or merchant services (Credit card processing) provider are disclosed. These principles provide uniform, consistent and secure devices, methods and systems that allow a patient to make PRPMB payments on one website or by one phone call or physical address regardless of the entity that is due payment, or when multiple entities are due payment.

The present disclosure provides systems and methods for calculating a similarity value between entities embedded within a vector field of a plurality of entities. The systems and methods can include receiving a first request from a first request entity to process a first payment completed via a virtual number, and accessing a database comprising a plurality of entity embeddings. The systems and methods can include retrieving a first embedding for the first request entity and a second embedding for a bound entity associated with the virtual number. After calculating a similarity value between the first request entity and the bound entity, the systems and methods can approve or deny the first request based on a similarity threshold value.

A system for data and signal routing for videotelephonic conferencing is provided. The system has a video recognition module in communication with a merchandise database, wherein the video recognition module is configured to recognize an article in-video during the telephonic conference and match it to an item in a merchandise database, a gesture module configured to recognize a user gesture and further configured to communicate the gesture to the video recognition module, a persisted cart module in communication with the gesture module and the video recognition module, wherein the persisted cart module is, in response to an input from the gesture module, configured to automatically populate both a customer interface associated with the customer and a merchant user interface associated with a merchant with a graphical cart that appears in-video on both user interface, and a display configuration module in communication with the persisted cart, wherein the display configuration module is configured to transform the article in-video to a digital graphical representation of the article in video and store it in the cart on both user interfaces.

The probabilities of transitioning between states of a given transaction sequence for a given transaction are calculated and a non-fraud score is calculated from the probabilities. The non-fraud score is provided to a fraud-detection system for determining whether the transaction sequence is more likely or less likely to be associated with fraud.

The probabilities of transitioning between item states for a given item sequence of a given transaction are calculated and item non-fraud scores are calculated from the probabilities for each item of the given transaction. The item non-fraud scores for the items of the transaction are provided to a fraud-detection system for determining whether any of the item non-fraud scores is more likely or less likely to be associated with sweethearting fraud by a cashier that performed the transaction.

A product exchange system comprising a controller and a memory coupled to the controller. The controller is configured to: provide an application programing interface configured to receive a delivery request from a first user for delivery of an item, wherein the delivery request includes an identifier of a second user, and wherein the API is configured not to receive a physical address of the second user; in response to receiving the delivery request, access a data storage system that stores an association between the identifier and the second user, and further stores one or more permission settings associated with the second user defining delivery requests to allow in response to receipt of the identifier from the first user or in response to receipt of one of the item and product characteristic; and, in response to receipt of the delivery request, tests the permission settings.

Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.