Systems and methods for automatically securing and validating multi-server electronic communications over a plurality of networks
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.
1. A non-transitory computer readable medium comprising instructions for securing and validating multi-server electronic communications, the instructions when executed causing at least one processing device to:
transmit, via a communication network, a processor-executable privacy transaction component configured to be executed on a user compute device;
receive, via the communication network, a secure privacy transaction card request from the privacy transaction component executed on the user compute device, the secure privacy transaction card request including navigated merchant site information of a navigated merchant site and user compute device information that was collected by the privacy transaction component executing on the user compute device;
generate a tagged privacy transaction card and a tagged privacy transaction card record based on the secure privacy transaction card request, the tagged privacy transaction card record including the navigated merchant site information, the tagged privacy transaction card being tagged to a merchant associated with the navigated merchant site information;
transmit, via the communication network, information regarding the tagged privacy transaction card to the privacy transaction component, the information regarding the tagged privacy transaction card configured to be provided by the navigated merchant site to at least one card network;
receive, via the communication network, a transaction approval request for the tagged privacy transaction card for a transaction identified by transaction data and provided to the at least one card network;
analyze the transaction approval request and the tagged privacy transaction card record to determine if there is a match between the merchant associated with the navigated merchant site information and a merchant identified in the transaction data;
generate a response to the transaction approval request, the response including (A) a validation of the transaction approval request if the match exists, or (B) a declination of the transaction approval request if the match does not exist;
transmit, via the communication network, the response including the validation of the transaction approval request configured to complete the transaction or the declination of the transaction approval request configured to terminate the transaction.
2. The non-transitory computer readable medium of claim 1 , wherein the transaction approval request includes a transaction value, and validation of the transaction approval request includes issuing a transfer instruction for a transfer from a user funding account for an amount corresponding to the transaction value.
3. The non-transitory computer readable medium of claim 1 , wherein analyzing the transaction approval request and the tagged privacy transaction card record includes tokenizing and vectorizing words in the transaction approval request and tokenizing and vectorizing words in the tagged privacy transaction card record.
4. The non-transitory computer readable medium of claim 1 , wherein analyzing the transaction approval request and the tagged privacy transaction card record includes (a) tokenizing and vectorizing words in the transaction approval request, (b) tokenizing and vectorizing words in the tagged privacy transaction card record, and (c) conducting clustering analysis on the tokenized and vectorized words in the transaction approval request and the tokenized and vectorized words in the tagged privacy transaction card record to determine a validity metric configured to (i) meet a specified threshold when the match exists, and (ii) fail to meet the specified threshold when the match does not exist.
5. The non-transitory computer readable medium of claim 1 , wherein the tagged privacy transaction card is configured for a single transaction with the merchant associated with the navigated merchant site information.
6. The non-transitory computer readable medium of claim 1 , wherein the tagged privacy transaction card is configured for multiple transactions with the merchant associated with the navigated merchant site information.
7. The non-transitory computer readable medium of claim 1 , wherein the tagged privacy transaction card is configured for periodically reoccurring transactions with the merchant associated with the navigated merchant site information.
8. The non-transitory computer readable medium of claim 1 , wherein the user compute device is a mobile device and the privacy transaction component is a mobile device application.
9. The non-transitory computer readable medium of claim 1 , wherein the privacy transaction component is a browser plugin.
10. The non-transitory computer readable medium of claim 1 , wherein the privacy transaction component is a browser extension.
11. The non-transitory computer readable medium of claim 1 , wherein analyzing the transaction approval request and the tagged privacy transaction card record includes determining a validity metric for the transaction approval request based on k-means clustering analysis of the transaction approval request and the tagged privacy transaction card record.