WORLDPAY, LLC

Decentralized computer systems and methods are disclosed for hyperledger-based payment transactions, alerts, and dispute settlement, using smart contracts. One method includes: receiving transaction information comprising transaction data of transaction attributes for a transaction for a good or service originating at a merchant; storing the transaction data of the transaction attributes for the transaction, in a Smart Contract generated or updated by a Smart Contract application; deploying the Smart Contract into one or more blockchain networks, wherein at least one of the one or more blockchain networks; performing one or more iterations of enabling, using an inter ledger protocol, to transfer at least some of the transaction data of the transaction attributes of the transaction to another of the one or more blockchain networks, wherein each of the one or more blockchain networks serves one or more business functions of the transaction.

Systems and methods are provided for receiving an encrypted payment payload from a digital wallet host, transmitting a low value token to a merchant, receiving an authorization request, requesting authorization for the transaction from an issuer financial institution using financial data from the encrypted payment payload, receiving an authorization decision from the issuer financial institution, and transmitting an authorization response to the merchant.

Systems and methods are disclosed for detecting a suspicious and/or a non-suspicious activity during an electronic transaction performed by a user device. One method comprises identifying, by a monitoring and detection component, a starting check point in the electronic transaction. The monitoring and detection component may then receive contextual data from one or more sensors of the user device. Based on the contextual data and a machine learning model, the monitoring and detection component may determine whether an expected behavior occurred. Entry of user credentials may be enabled in response to determining that the expected behavior occurred, whereas the electronic transaction may be terminated in response to determining that the expected behavior did not occur.

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.

Various embodiments of this disclosure relate generally to an embedded services platform. The embedded services platform comprises: an authentication layer configured to receive data from a partner device, a merchant device, and a provider device, and authenticate the data, an application layer accessible via authentication from the authentication layer, configured to receive data associated with a request from the partner device, the merchant device, and the provider device, a workflow orchestration layer configured to implement one or more event-triggered workflows based on the data associated with the request received from the application layer, one or more databases configured to store the data associated with the request, and a data pipeline configured to transmit data stored in the one or more databases to the partner device, the merchant device, and the provider device.

Various embodiments of this disclosure relate generally to an embedded services platform for generating an embedded shell widget. The platform may comprise a grandparent layer configured to provide a user interface for a merchant; a parent layer configured to receive an interaction with the user interface for the merchant and transmit data from an embedded services platform; a child layer configured to transmit data associated with a web application communicating with the embedded services platform; and an object registry configured to store source data defining the web application, wherein the source data is accessible by the child layer.

Various embodiments of this disclosure relate generally to methods and systems for onboarding a partner to an embedded services platform. The method comprises receiving an event notification associated with onboarding the partner, wherein the event notification includes partner data and subscription data, determining a relevant merchant of the partner based on a mapping table for the partner to one or more products of one or more providers, aggregating one or more merchant datasets corresponding to the relevant merchant, transmitting the one or more merchant datasets to the one or more providers for the relevant merchant, and generating one or more offers associated with the one or more products of the one or more providers based on the one or more merchant datasets and the mapping table.

A point of sale terminal of a merchant includes a third party payment provider display area for payment using a third party payment provider. The point of sale terminal receives an authentication notification for a consumer from the third party payment provider. The consumer is authenticated using one or more of a personal identification number, an image of the consumer, a quick response code scanned from a mobile device of the consumer, or a code received via near field communications with the mobile device of the consumer. The point of sale terminal requests payment from the third party payment provider for a transaction with the consumer using the transaction amount and authentication information. The third party provider display area allows new payment modalities to be used at the point of sale terminal without requiring modification of the instructions for the point of sale terminal.

Systems and methods are disclosed for providing a payment authorization to a real-time payment (RTP) network to initiate an RTP between a customer financial institution account and a merchant financial institution account. One method performed by a payment facilitator device includes, based on a user device of a customer and a point-of-sale (POS) device of a merchant performing a direct communication regarding a transaction, receiving a payment request for a transaction amount of the transaction and receiving a customer authorization for the transaction. The payment facilitator then provides a payment authorization to an RTP network to initiate an RTP for the transaction amount of the transaction from a customer financial institution account to a merchant financial institution account, based on receiving the customer authorization for the transaction.

Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date are disclosed. One method includes receiving, at an application programing interface (API) system, an electronic transaction request on a receipt date. The API system may identify a value associated with the electronic transaction request as well as a threshold settlement date. The value may then be compared to a predetermined threshold and at least one transaction network certified to process the electronic transaction request may be ascertained. The API system may project a processing time for each of the ascertained transaction networks. An optimal transaction network and transfer execution date may be determined based on comparison of the projected processing times to a timeline designated by the receipt date and the threshold settlement date. The electronic transaction request may be processed into a recipient account on the transfer execution date via the optimal transaction network.