Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.

Abstract: Methods, systems, devices, and computer-readable media for a payment delegation and linking system are provided. The system may generate a delegation request to send to an individual for payment of a portion of a value of a transaction. The delegation request may be sent to the individual with a payment URL embedded with a token. Upon initiation of payment in response to the delegation request, the token may be embedded in an unused field of a payment transaction record generated at the individual's device and may be transmitted from the individual's device to a payment processing system for processing and settlement. The payment transaction record may ultimately be received at the requestor's bank with the token intact. The token may be used to link the received payment transaction with the original delegated transaction. The original delegated transaction and the received payment transaction may be displayed together in a transaction summary.

Abstract: A system and method for transmitting real-time messages within a supply chain financing (SCF) network using a using a customized and improved messaging protocol is provided. A computing device receives a SCF request message having an SCF messaging protocol including a plurality of data fields including SCF request data related to a request for supply chain financing including an early payment identifier, parses the SCF request message based upon the SCF messaging protocol, selects a financing entity for receiving the request, stores within the memory device the SCF request data, transmits an early payment message having the same messaging protocol to the selected financing entity, receives a confirmation message having the same SCF messaging protocol from the financing entity including a plurality of data fields including SCF confirmation data, and stores within the memory device the SCF confirmation data with the SCF request data.

Abstract: A transaction approval system makes an assessment in real time whether to approve a purchase transaction and to select an account of the customer to fund the purchase transaction. The transaction approval system can use a machine learning model to select the appropriate account of the customer to fund a purchase transaction that satisfies one or more preferences or goals established by the customer or the system. The machine learning model can receive, as inputs, information on one or more of the customer's accounts, user preference information, information regarding the transaction and/or information regarding prior transactions by the customer and use the inputs and machine learning model to make a selection of a customer account that satisfies the preferences or goals established by the customer or system.

Abstract: A process orchestration and dynamic data acquisition system may allow process flows to be flexible and to customer or product requirements based on rules obtained from a rule management system. The process orchestrator may be driven based on an updatable and dynamic set of business rules to allow for quick changes to the process flow. Through the business rules the process orchestrator retrieves and processes data necessary to the process based on a customer request and/or product or service provided. The process orchestrator provides dynamic data aggregation from both internal and external data sources, through calling re-useable processes instantiated by the process host system and continuously adapts the process flow to meet the unique needs of each request input and results returned from each dynamic process call.

Abstract: Systems and methods can include a computing system configured to receive transaction information corresponding to a transaction between a merchant and a customer. The computing system can be configured to receive one or more images captured via a camera during the transaction. The computing system can be configured to analyze the one or more images captured by the camera to detect one or more features relating to the transaction in the one or more images. The computing system can be configured to generate a designation for the transaction based on the one or more features detected in the one or more images. The designation can comprise at least one of verified or unverified. The computing system can be configured to store the transaction information and the one or more images with the designation for the transaction in an account associated with the customer maintained in an accounts database.

Abstract: An apparatus, method, and non-transitory medium for betting on weather predictions are disclosed herein. A plurality of longitude and latitude coordinate pairs may be received from a remote device. The display device may render data representing a binary option based on whether a storm will make landfall within the certain radius. A request to purchase the binary option may be received. It may be determined whether the landfall location corresponds to a zip code associated with the given longitude latitude pair in the memory.

Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: determining a first physical location of a user; comparing the first physical location to data indicative of network availability; and in response to comparing the first physical location to data indicative of network availability, generating a first electronic token and a second electronic token for a mobile computing device associated with the user.

Abstract: Examples describe data security for communication systems. One example includes validating a merchant system using merchant data and generating a set of merchant credentials. The set of merchant credentials is then used in authentication to facilitate a secure transaction, which involves automatically generating transaction data with a tokenized client account number associated with the secure transaction. A refund request associated with the secure transaction is received with the set of merchant credentials that are used for automatically authenticating the merchant system. The example then involves accessing a database that includes the transaction data for automatically facilitating settlement of a refund payment using the authenticated merchant system and the transaction data.

Abstract: A method includes receiving a travel itinerary including a destination and a time period associated with a user from a third-party computing system via an application programming interface. The method also includes associating the travel itinerary with a financial account having a payment device and generating a dynamic travel profile based on the travel itinerary. The method also includes receiving an authorization request for a transaction initiated by the payment device and involving the financial account. The authorization request includes a transaction location and a transaction date. The method also includes analyzing a context of the authorization request including the dynamic travel profile and a time history of geolocations of the payment device. The method also includes declining the authorization request based on at least one of the transaction location not corresponding to the destination and the transaction date not corresponding to the time period.

Abstract: A method for optimizing refunds for suspected or detected fraudulent transactions includes receiving a chargeback analysis request for a potential chargeback transaction from a merchant or a payment processor, extracting identifying information of transactions associated with the chargeback transaction from the chargeback analysis request, searching for a chargeback analysis profile in a profile database, determining whether the chargeback analysis profile exists in the profile database, upon determining that the chargeback analysis profile does not exist in the profile database, obtaining a new fraud analysis profile, determining, based on the chargeback analysis profile, a first probability that the potential chargeback transaction will result in a chargeback, determining, based on the chargeback analysis profile, a second probability that the potential chargeback transaction will result in a chargeback after a proactive electronic refund transaction, and generating a proactive electronic refund transaction

Abstract: A system that includes a vehicle system that monitors characteristics of an autonomous and/or semi-autonomous driving program. The system includes a processor that receives a first set of data from the vehicle system. The first set of data is associated with the autonomous and/or semi-autonomous driving program. The processor determines a rate premium based on the first set of data. The processor then displays a visualization that includes the rate premium on a display. The processor receives a second set of data from the vehicle system. The second set of data is associated with monitored performance of the autonomous and/or semi-autonomous driving program. The processor adjusts the rate premium based on the second set of data and displays an adjusted rate premium.

Abstract: A system, apparatus and method for automatic entity classification based on social media data is disclosed. An example system may include a social network data collection circuit to collect information about at least one entity involved in a bond transaction, and a condition classifying circuit to classify a condition of the at least one entity in accordance with a model and based on information from the social network data collection circuit, where the model is trained using a training data set of a plurality of outcomes related to the at least one entity. The system may further include an automated bond management circuit to manage an action related to the bond in response to the classified condition of the at least one entity.

Abstract: In accordance with a first aspect of the present disclosure, a method is conceived for providing a digital representation of a transaction card in a mobile device, comprising: detecting, by a near field communication unit of said mobile device, that the transaction card is in proximity of the mobile device; upon or after said detecting, performing, by a processing unit of said mobile device, the following steps: retrieving the digital representation of the transaction card from a digitization server; loading the digital representation of the transaction card into a memory of the mobile device; activating the digital representation of the transaction card for a predefined validity period; invalidating the digital representation of the transaction card if no successful near field communication transaction has been performed within said validity period. In accordance with other aspects of the present disclosure, a corresponding computer program and a corresponding mobile device are provided.

Abstract: A method implemented on an augmented reality (AR) device includes accessing a user's investment strategy and selecting a material object. The material object and investment controls are displayed on a display screen of the AR device. The user alters the investment strategy using the investment controls. Alternative replacement objects are generated based on changes that the user makes to his or her investment strategy. One or more replacement objects are projected onto the display to represent an alternative material object that the user can afford based on the changed investment strategy.

Abstract: A method for authenticating a counterparty to a digital transaction includes obtaining, at a mobile terminal from a unverified counterparty, characteristic content associated with the digital transaction to be displayed in a trusted user interface provided by the mobile terminal, sending, by the mobile terminal, data associated with the characteristic content to an authentication server; and obtaining, from the authentication server, a result of an authentication judgment by the authentication server, the authentication judgment based on the data associated with the characteristic content and an item of reference content.

Abstract: Aspects of the disclosure relate to monitoring an automatic teller machine (ATM) network and determining anomalous fault behavior in the ATM network. A computing device may determine historical fault volumes in the ATM network and generate a time-series model of the fault volumes. The computing platform may predict future fault volumes based on the generated time-series model. Based on the predicted future fault volumes and actual future fault volumes, the computing platform may determine anomalous fault behavior. The time-series model may be based on exogenous factors associated with ATM network operations.

Abstract: A limited use temporary credit account is disclosed. The method includes displaying, on a display of a mobile device, a temporary credit account, the temporary credit account correlated with a newly approved non-integrated credit account, the temporary credit account including: a temporary account number; a temporary expiration date; and a temporary security code. Incorporating a time constraint into the temporary credit account displayed on the mobile device, the time constraint limiting an amount of time the temporary credit account is displayed on the mobile device and limiting an amount of time the temporary credit account is available for making a purchase. Integrating a credit limit reduction into the temporary credit account displayed on the mobile device, the credit limit reduction reducing an available credit on the temporary credit account to an amount less than a credit available on the newly approved non-integrated credit account.

Abstract: Systems and methods for determining a product investment decision and risk assessment are provided in which a plurality of data is obtained in electronic form. Based on a subset of this data, a taxonomy of data is formed using a plurality of classification models. The taxonomy includes a plurality of classifications determined by the classification models. At least one classification includes a corresponding plurality of input variables in a plurality of variables. Based on the forming, a respective output is determined in accordance with a selection of a set of variables. The respective output is evaluated against a plurality of threshold criteria. If the respective output satisfies each threshold criterion is determined. Based on this determining, a product investment decision and risk assessment for the candidate subject is determined in accordance with the satisfaction of each threshold criterion.

Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security with integrated installment payment systems. In one example, account security system receives a checkout communication that includes data describing a validated checkout system of a merchant system. A client token is transmitted in response to an authentication that the checkout communication is from the validated checkout system, and an account communication including the client token and secure client information is received from a client device. An installment payment communication associated with the secure transaction is received from a system other than a merchant system involved in the transaction. The secure transaction is then facilitated following receipt of the installment payment communication.