Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows and/or microservices. Other aspects may provide for data snapshots and workflow tracking, allowing for monitoring, quality control, and auditability of transactions on the transaction exchange platform.

A method of acquiring access rights to conditional access content. The method comprises receiving an access right on a first terminal through a first communication channel; storing said access right in said first terminal; sending a request for said conditional access content to a content provider, said request containing at least an identifier of an account to which said first terminal is associated, an identifier of the requested content and a piece of information concerning said access right; verifying, by said content provider, the authenticity of said access right using said piece of information concerning the access right; and when there has been a successful verification, marking said access right as used, and sending said conditional access content to at least one terminal linked to said account. The first terminal using near field communication technology (NFC) during at least one transfer of said access rights.

A method is provided. The method includes receiving a request message, the request message relating to a transaction between a first client and a second client, the request message including first client data and second client data, the first client data identifying an account to be used by the first client in the transaction, the second client data indicating if the second client is subscribed to a service. The method further includes determining if the second client is subscribed to the service, and generating an authentication request message if the second client is not subscribed to the service, the authentication request message requesting confirmation that a holder of the account is the first client. The method further includes sending the authentication request message, and receiving an authentication response message from the external server in response, the authentication response message including an indication whether the holder is the first client.

The disclosed embodiments provide a payment card. The payment card may have a first face and a second face opposite the first. Additionally, the payment card may comprise a first smart chip, the first smart chip having contacts that are electronically accessible from the first face of the card. The payment card may further comprise a first antenna coupled to the first smart chip, the first antenna providing near-field contactless access to the first smart chip and a second smart chip, the second smart chip having contacts that are electronically accessible from the second face of the card. Additionally, the payment card may comprise a second antenna coupled to the second smart chip, the second antenna providing near-field contactless access to the second smart chip and an RF block that electronically isolates the first antenna and the second antenna from each other.

A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“URL”) to the mobile device, and detecting an access of the unique URL by the mobile device through a first communication path. In response to detecting the access of the unique URL, requesting and subsequently receiving, by the host system in real-time, a phone number and a subscriber identification ID associated with the mobile device through a second communication path distinct from the first communication path, and a device fingerprint of the mobile device through the first communication path. The method further includes initiating a risk analysis based on the phone number, the subscriber ID, and the device fingerprint and determining an authentication status of the mobile device based on the risk analysis.

Systems and methods are described for authorizing users and/or devices. An example method may comprise receiving, from a user device, a request to access a function associated with a service account. The request may comprise an identifier of the user device. The example method may comprise determining, based on the identifier, a primary authority holder of the service account. The example method may comprise determining that a first record on a first distributed ledger associated with the primary authority holder indicates that the user device is associated with the primary authority holder. The example method may comprise determining that a second record on a second distributed ledger associated with the user device indicates that the user device is associated with the primary authority holder. The example method may comprise granting, based on the request, the first record, and the second record, the user device access to the function.

A system and a method of data communication between a first computing device, associated with a first user, and at least one second computing device associated with a second user may include: receiving, by the first computing device, one or more data elements pertaining to details of a transaction request from the second computing device, via a voice channel; extracting said transaction request details by the first computing device; transmitting, by the first computing device, one or more authentication data elements of an electronic wallet module, comprised in the first computing device, to the second computing device, via the voice channel; and carrying out the requested transaction by the first computing device, based on the extracted transaction request details and the electronic wallet authentication data.

A computing system can establish asynchronous network communications with exchanges to facilitate cross-medium transactions between originating and recipient clients. Such communications can result in filtering out errant responses that would otherwise cause an open transaction to fail.

A computing system can establish asynchronous network communications with exchanges to facilitate cross-medium transactions between originating and recipient clients. Such communications can result in filtering out errant responses that would otherwise cause an open transaction to fail.