Antifraud Resilient Transaction Identifier Datastructure Apparatuses, Methods and Systems

A processor-readable virtual secure element datastructure transaction non-transient medium storing processor-executable components, the components, comprising:

• a component collection stored in the medium, including processor executable instructions to:
• obtain request to generate a tamper resistant asset account from a requestor,
• wherein the request includes a requestor identifier and a unique requestor device identifier,
• wherein the requestor identifier includes any of:
• requestor name, requestor address, account identifier, requestor, phone number, social security number,
• wherein the unique requestor device identifier includes any of:
• UUID, storage device unique identifier, unique operating system identifiers, cryptographic signature of the device, cryptographic hashes of any of:
• the unique requestor device identifier and the requestor identifier;
• instantiate a new tamper resistant asset account, wherein the account is populated with the requestor identifier, unique requestor device identifier, a secure cryptographic element for the tamper resistant account,
• provide a message to generate an account card associated with the tamper resistant asset account,
• wherein the account card is configured to authorize account access to the user access credential,
• obtain a request to engage the account card in a transaction, wherein the request includes the user access credential;
• generate a card access event message from the request to engage the account card, wherein the card access event message is an equivalent of a card present chip engagement to the user access credential;
• provide the card access event message to a payment network;
• obtain a card access event authorization response.

A processor-implemented virtual secure element datastructure transaction system, comprising:

• means to obtain request to generate a tamper resistant asset account from a requestor,
• wherein the request includes a requestor identifier and a unique requestor device identifier,
• wherein the requestor identifier includes any of:
• requestor name, requestor address, account identifier, requestor, phone number, social security number,
• wherein the unique requestor device identifier includes any of:
• UUID, storage device unique identifier, unique operating system identifiers, cryptographic signature of the device, cryptographic hashes of any of:
• the unique requestor device identifier and the requestor identifier;
• means to instantiate a new tamper resistant asset account, wherein the account is populated with the requestor identifier, unique requestor device identifier, a secure cryptographic element for the tamper resistant account,
• means to provide a message to generate an account card associated with the tamper resistant asset account,
• wherein the account card is configured to authorize account access to the user access credential,
• means to obtain a request to engage the account card in a transaction, wherein the request includes the user access credential;
• means to generate a card access event message from the request to engage the account card, wherein the card access event message is an equivalent of a card present chip engagement to the user access credential;
• means to provide the card access event message to a payment network;
• means to obtain a card access event authorization response.

A processor-implemented virtual secure element datastructure transaction method, comprising:

• executing processor-implemented component collection instructions to:
• obtain request to generate a tamper resistant asset account from a requestor,
• wherein the request includes a requestor identifier and a unique requestor device identifier,
• wherein the requestor identifier includes any of:
• requestor name, requestor address, account identifier, requestor, phone number, social security number,
• wherein the unique requestor device identifier includes any of:
• UUID, storage device unique identifier, unique operating system identifiers, cryptographic signature of the device, cryptographic hashes of any of:
• the unique requestor device identifier and the requestor identifier;
• instantiate a new tamper resistant asset account, wherein the account is populated with the requestor identifier, unique requestor device identifier, a secure cryptographic element for the tamper resistant account,
• provide a message to generate an account card associated with the tamper resistant asset account,
• wherein the account card is configured to authorize account access to the user access credential,
• obtain a request to engage the account card in a transaction, wherein the request includes the user access credential;
• generate a card access event message from the request to engage the account card, wherein the card access event message is an equivalent of a card present chip engagement to the user access credential;
• provide the card access event message to a payment network;
• obtain a card access event authorization response.

A virtual secure element datastructure transaction apparatus, comprising:

• a memory;
• a component collection in the memory;
• a processor disposed in communication with the memory, and configured to issue a plurality of processing instructions from the component collection stored in the memory, to:
• obtain request to generate a tamper resistant asset account from a requestor,
• wherein the request includes a requestor identifier and a unique requestor device identifier,
• wherein the requestor identifier includes any of:
• requestor name, requestor address, account identifier, requestor, phone number, social security number,
• wherein the unique requestor device identifier includes any of:
• UUID, storage device unique identifier, unique operating system identifiers, cryptographic signature of the device, cryptographic hashes of any of:
• the unique requestor device identifier and the requestor identifier;
• instantiate a new tamper resistant asset account, wherein the account is populated with the requestor identifier, unique requestor device identifier, a secure cryptographic element for the tamper resistant account,
• provide a message to generate a new physical account card and an associated virtual account card associated with the tamper resistant asset account,
• wherein the message is configured to generate the virtual account card to be a clone of the physical account card,
• wherein the physical account card and virtual account card have the same account number, a same secure cryptographic element,
• wherein the physical account card and the virtual account card are configured to authorize account access to a same user access credential;
• obtain a request to engage the virtual account card in a transaction, wherein the request includes the user access credential;
• generate a card access event message from the request to engage the virtual account card, wherein the card access event message is an equivalent of a card present chip engagement to the user access credential;
• provide the card access event message to a payment network;
• obtain a card access event authorization response.