Abstract: A system may receive a first message transmitted over a network from a first device. A first invitation to join a text-based communication channel may be transmitted to the first device in response to the first message. A second invitation may be transmitted to a second device to join the text-based communication channel with the server configured to retain context of the text-based communication channel. The system may receive a second message transmitted from the second device and may transmit a third invitation to the first device to join the text-based communication channel in response to the second message.

Abstract: At least some embodiments are directed to a dynamic card. The dynamic card transmits a first temporary card identification number to a computing device. The dynamic card is without an internal power source and is powered up by an external power source housed within the computing device. The dynamic card determines an absence of unused encrypted card identification numbers and receives a set of encrypted card identification numbers from a server. The dynamic card decrypts a second temporary card identification number from the encrypted card identification numbers and shows the second temporary card identification number on a display, replacing the first temporary card identification number. The second temporary card identification number remains shown on the display after the power from the external power source is discontinued. The second temporary card identification number can be used in a subsequent interaction with another computing device.

Abstract: A system may retrieve a pattern from a pattern database with the pattern identifying a type of sensitive data. The system may also retrieve data identified by a variable from a big data management system. The system may then match the data to the pattern to detect the type of sensitive data in the data. An output may be generated in response to the data matching the pattern. A variable access permission may be retrieved for the variable from a permissions repository, a sensitive data permission may be retrieved for the type of sensitive data from the permissions repository, and the variable access permission may be compared to the sensitive data permission to detect a discrepancy.

Abstract: The process includes receiving a data set comprising a plurality of rows and a plurality of columns, and applying a first rule based decisioning to the data set to generate a first layer of metadata that comprises at least one of a key, a type indicator, a categorical indicator, and/or a continuous indicator. The first layer of metadata may be descriptive of the data set. The processor may further apply a second rule based decisioning to the first layer to generate a second layer that includes at least one of the key, the type indicator, the categorical indicator, or the continuous indicator. The second layer may be descriptive of the first layer. The process may also include generating an output file from at least one of the first layer or the second layer.

Abstract: A master processor may retrieve historical and real time machine and human data related to computer system health. The master processor may utilize machine learning and artificial intelligence to predict potential computer malfunctions. The master processor may output notifications regarding the potential computer malfunctions in order to prevent the computer malfunctions from occurring.

Abstract: A system, method, and computer readable medium (collectively, the “system”) is disclosed for generating real-time insights from a big data storage platform. The system may process transaction data stored in a big data management system (BDMS) to generate characteristic data associated with a plurality of demographics. The system may also model an account associated with a corporate ID to identify a demographic from the plurality of demographics associated with the corporate ID. The system may further compare the user data associated with the corporate ID to the characteristic data of the demographic associated with the corporate ID to generate a view responsive to a request. The system may also transmit the view in response to the request, for example, to an interface for use by a program administrator.

Abstract: Systems and methods for identifying data of interest are disclosed. The system may retrieve unstructured data from an internet data source via an alert system or RSS feed. The system may input the unstructured data into various models and scoring systems to determine whether the data is of interest. The models and scoring systems may be executed in order or in parallel. For example, the system may input the unstructured data into a Naïve Bayes machine learning model, a long short-term memory (LSTM) machine learning model, a named entity recognition (NER) model, a semantic role labeling (SRL) model, a sentiment scoring algorithm, and/or a gradient boosted regression tree (GBRT) machine learning model. Based on determining that the unstructured data is of interest, a data alert may be generated and transmitted for manual review or as part of an automated decisioning process.

Abstract: Systems and methods for automated transactional offers are disclosed. The system may receive an extension communication comprising a merchant uniform resource locator (URL) and an offer ID. The system may filter verified merchant URLs based on the merchant URL. The system may retrieve an available offer based on a merchant ID associated with the verified merchant URL. The system may transmit the available offer to a user device. In response to the user device accepting the offer, the system may enroll the user for the offer at an issuer system, to enable the offer to be applied during processing of the associated transaction.

Abstract: Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant-stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.

Abstract: A contextual services delivery system may comprise a services repository containing services instructions and a contextual services delivery module. The contextual services delivery module may deliver different contextual services to a smartphone and/or a POS terminal in response to a context environment, in order to provide a user with a customized contextual services experience.

Abstract: A system, method and computer program product for granting access and/or an authorization are disclosed. For instance, a computer-implemented method may include receiving a first sequence of plurality of biometric data elements. The sequence of plurality of biometric data elements may comprise a biometric passphrase. The method may include registering the biometric passphrase to a known user and/or a transaction account. The method may include receiving a transaction request comprising a second sequence of plurality of biometric data elements. The method may include comparing the second sequence of plurality of biometric data elements to the biometric passphrase to resulting in a confidence factor of the comparison. The comparison may include comparing the sequencing of the second sequence of plurality of biometric data elements and the characteristics of each biometric data element of the second sequence of plurality of biometric data elements to the biometric passphrase.

Abstract: A balancing and control (B&C) system for API transactions is disclosed. The system may write a request confirmation and a request acknowledgement to a blockchain in response to an API request being transmitted from a consumer system to a provider system, with the request confirmation and the request acknowledgement each comprising a request hash of the API request. The system may also write a response confirmation and a response acknowledgement to the blockchain in response to an API response being transmitted from the provider system to the consumer system, with the response confirmation and the response acknowledgement each comprising a response hash of the API response. The blockchain may execute a smart contract to compare the request hashes from the request confirmation and the request acknowledgement and the response hashes from the response confirmation and the response acknowledgement to identify one or more out-of-balance events.

Abstract: A system may generate a first transaction history from a plurality of records of charge. The system may select a plurality of merchants based on the plurality of records of charge, and generate a first user profile in response to the first transaction history and the plurality of merchants. The first user profile may comprise a merchant score for a merchant appearing in the first transaction history. The first transaction history may include transaction account issuer data. The system may receive a request for content that identifies a user account associated with the first user profile. The system may further generate the content based on the merchant score in response to the request for the content. The request may be automatically generated by the application or may be in response to an action by the first user.

Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

Abstract: Systems and methods for auditing business controls are disclosed. The system may receive or retrieve data from one or more data sources corresponding to a business control. The system may perform a direct analytic control test (ACT) or an indirect ACT on the data. The system may compare a direct ACT result or an indirect ACT result to an ACT threshold. The ACT threshold may comprise separate direct ACT thresholds and indirect ACT thresholds. Based on the comparison, the system may determine an operating effectiveness of the business control.

Abstract: Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.

Abstract: A system and method of data protection that provides the security of field level data protection with the ease of implementation and transparency of system level data protection at various layers is disclosed. The system utilizes blockchain technology to implement improved data protection. A smart contract application is deployed among all devices covered by the data protection system. Ledgers are similarly deployed either on each device or on dedicated ledger nodes to provide a record of all transactions occurring with the protected data. As a device writes data to a storage medium or initiates transmission of the data over a communication medium, the smart contract intercepts the data and applies a desired protection protocol to the data. As a result, enterprise wide security may be deployed that provides field level encryption without requiring modifications to existing applications or development of custom applications.

Abstract: A system for analyzing risk using machine learning models may be trained using a data set to generate a risk assessment model that is optimized for metrics commonly used in for financial risk evaluation. The metrics may include Gini and CaptureRate, for example. The system may receive a request for a financial service, and generate a risk assessment by applying the risk assessment model to factors associated with the request. The system may also decide on the request in response to the risk assessment.

Abstract: A system may identify a user based on inputs from multiple devices. The system may determine a confidence score based on the probability that the system accurately identifies the user. The system may provide a permissions level based on the confidence score. The permissions level may affect the type of interactions the user may perform with a device. The system may determine a privacy level for an interaction based on determining whether the user is in a public or private setting.

Abstract: The disclosed system may comprise a mainframe computing resource, a data library, a data processing appliance, and a distributed system. The data library may be securely connected to the mainframe computing resource. The data library may be configured to receive data from the mainframe computing resource via a first interface. The data processing appliance may be configured to read and write data to the data library via a second user interface. The distributed system may be configured to receive data from the data processing appliance. The distributed system may be further configured to process the data based on a workflow from the mainframe computing system.