Decentralized computer systems and methods are disclosed for analyzing transaction attributes and dispute information using blockchain. One method includes: receiving a first transaction information of a first transaction, wherein the transaction information includes attributes of the first transaction; generating a blockchain entry that stores the received attributes in a shared ledger to participants of the blockchain; receiving an input of a selection of an attribute of the first transaction from a participant of the blockchain to analyze other transactions having the selected attribute; compiling a list of other transactions having the selected attribute; receiving transaction information for each transaction of the list of other transactions; and generating, on a user interface, an analytics report of the attributes of the other transactions.

Computer-implemented methods, non-transitory, computer-readable media, and computer-implemented systems for blockchain-based payment withholding and agreement signing are described. In one computer-implemented method, an agreement signing transaction submitted by a user is received and used to authorize a payment system to provide a payment withholding service for a payment order of the user in a third-party service system. The agreement signing transaction includes agreement signing information of a tripartite agreement submitted by the user. Withholding verification logic declared in a first smart contract published on the blockchain is invoked to check whether there is a withholding agreement signed between the payment system and the third-party service system on the blockchain. If yes, the tripartite agreement is created that authorizes the payment system to provide the payment withholding service for the payment order for the user and published to the blockchain for certificate storage.

A method for processing a payment transaction via a proxy guarantor includes: receiving a transaction request between a user and a merchant including payment device data associated with a payment device of the user of a payment type not accepted by the merchant, and an indicator causing the payment transaction to be processed as a proxy guarantor transaction; identifying a guarantor associated with the user having a payment device of a payment type accepted by the merchant; communicating an authorization request to an issuer system associated with the guarantor to cause the issuer system of the guarantor to authorize the payment transaction; receiving an authorization response from the issuer system of the guarantor, the authorization response including a payment transaction approval indicator; and communicating a settlement request to an issuer system of the user.

In a method of preventing fraudulent online financial transactions, a request to authorize an online, financial transaction may be received, where the transaction is associated with a debit or credit card account. A computing device at which information associated with the debit or credit card account was entered for the transaction may be identified, and a first geographic location at which the computing device resides may be determined. Based upon geolocation data indicating one or more geographic locations of the authorized cardholder, it may be determined that the authorized cardholder was at a second geographic location at a time of the transaction. If the second geographic location does not correspond to the first geographic location, the financial transaction may be prevented from being executed.

Methods and systems are presented for providing a framework to integrate independent fragment modules into an integrated user interface. The fragment modules can be simultaneously rendered on a user interface page or sequentially rendered across multiple user interface pages. The fragment modules are configured to interact with a user via the user interface. The interactions with the user may trigger an event. When an event associated with a fragment module occurs, the fragment module is configured to broadcast the event. An orchestrator is configured to monitor events associated with different fragment modules. The orchestrator may include an event handler for performing one or more action in response to an event. The action may include configuring another fragment module to modify a presentation and/or perform a transaction based on the event.

Provided are systems and methods for managing and implementing single-use payment-enabled tokens. In one example, a method may include distributing, via a server, a payment-enabled token to a payment application on a computing device, the payment-enabled token being mapped to a payment account of the payment application via a tokenization service, detecting use of the payment-enabled token as a payment via the payment application, and in response to the detecting, deactivating the payment-enabled token at the server and storing an identifier of the payment-enabled token and an additional data element of the payment-enabled token that identifies the payment account together within a data structure of the server.

A system and method for implementation of transaction security on a distributed ledger-based Mobility-as-a-Service (MaaS) platform is provided. The system includes a message broker device which receives a transaction request associated with a transport service from a publisher node of a transportation provider. The message broker device routes, via an API gateway hosted on the message broker device, the transaction request to a subscriber node of the transportation provider. The API gateway validates the transaction request based on application of a set of security rules on the transaction request. The subscriber node is associated with a first node of a distributed ledger node that stores a first state object. The first state object includes transaction data associated with the transport service. The distributed ledger node receives the validated first transaction request from the API gateway, via the subscriber node and updates the transaction data based on the received transaction request.

Disclosed are various embodiments for securing transactions with single-use account tokens. In one embodiment, an authorization system creates a single-use account token for a valid primary account identifier. The single-use account token is sent as an email attachment to an email address of an associate account holder. A user device is configured to load the single-use account token from the email attachment into a wallet application of the user device. The valid primary account identifier is prevented from being used by the authorization system to authorize a transaction in response to the single-use account token being created.

The system may be configured to perform operations including receiving a transaction history for a consumer having transaction information associated with a plurality of transactions; detecting within the transaction information for each transaction a characteristic, resulting in a plurality of characteristics; calculating a respective value associated with each characteristic, wherein the respective value is at least one of a number or percentage of transactions having the characteristic; assigning a respective weight to each characteristic, producing an assigned respective weight for each characteristic; applying the assigned respective weight to the respective value associated with each characteristic to produce a respective weighted value for each characteristic; combining the respective weighted values of the plurality of characteristics; and/or producing a compliance score in response to the combining the respective weight values.

Systems, apparatuses, methods, and computer-readable media are provided for detecting security attacks based on transaction flow graphs. Other embodiments may be described and/or claimed.