Abstract: A system and method may retrieve transaction data for a plurality of electronic payment system transactions. The transaction data may describe a plurality of electronic payment transactions between a payment network system and a plurality of merchants. The transaction data may include a transaction location and a merchant store number. The system and method may parse the transaction data to identify the transaction location and the merchant store number and analyze the retrieved and parsed transaction data to identify one or more centroids for at least a portion of the retrieved and parsed transaction data. The one or more centroids may correspond to a merchant location for each transaction of the retrieved and parsed transaction data. The system and method may then clean the retrieved and parsed transaction data having a transaction location outside a threshold distance from the one or more centroids to include accurate merchant store number data.

Abstract: An automated Automatic Teller Machine (ATM) exception processing method, system, and recording medium for facilitating completion of an ATM deposit transaction upon an occurrence of an exception. The method includes remotely monitoring an ATM for the exception by an automated ATM monitoring system over a first communication network, and automatically reporting a detected exception resulting in a failed ATM deposit transaction, by a processor in the automated ATM monitoring system, to both a customer processing system and to a reconstruction transaction system over a second communication network. The process also includes processing a customer claim by the customer processing system based on the failed ATM deposit transaction, and reconstructing the failed ATM deposit transaction by the reconstruction transaction system. The method further incudes reconciling the customer claim with the reconstructed ATM deposit transaction.

Abstract: A real-time system and method for invoking a fraud alert notification to a bank prompted by an abandoned deposit following a denied accelerated funding request for a financial item.

Abstract: Provided are a system, method, and computer program product for secure payment device data storage and access. The method includes storing payment device data associated with a payment device of a user and generating a unique uniform resource locator (URL) associated with the payment device. The method also includes transmitting the unique URL to an application provider system through a first communication channel and receiving a data access request from the client device via the unique URL through a second communication channel separate from the first communication channel. The method further includes, in response to receiving the data access request, verifying an identity of the user by executing a step-up authentication protocol. The method further includes, in response to verifying the identity of the user, transmitting a data access response including the payment device data to the client device through the second communication channel.

Abstract: The system and method of the present invention expand/enhance modeling for credit risks scores. The expanded modeling system and methods discussed herein identify new credit risk related attributes using limited and/or unconventional credit data. In an aspect, the system and method enhance performance definitions to capture incremental insight, expanding the applicable consumer segments previously inaccessible.

Abstract: Systems and methods of the present disclosure include processors configured to perform steps to receive a tag data from a contactless communication tag, execute an applet associated with the contactless communication tag, and receive document data associated with an applet-linked document, including a document identifier, a document content data, a document recipient identifier, and a document sender identifier. The processors are configured to further generate an account link linking the document data to a user account associated with the document sender, generate a document entry in the user account based on the account link, generate a webpage from the applet to record the document data such that the document data is accessible upon subsequent reception of the contactless radio signal data, and display the document data and a current status of the applet-linked document on a display of the computing device associated with the contactless reader.

Abstract: During a communication session with a caller, a representative can enter information into a claim loss reporting tool to generate a loss report associated with an insurance claim. A dialogue advisor can cause the claim loss reporting tool to suggest questions that the representative should ask, and/or actions the representative should take, during the communication session. The dialogue advisor can make such suggestions, during the communication session, based at least in part on confidence levels of simulated destination predictions that correspond with destination predictions a claim router would make according to the same information associated with the loss report.

Abstract: Disclosed herein are systems, methods, and non-transitory computer-readable storage media for updating and managing hosted catalogs in a procurement system. A procurement system is provided comprising at least one live hosted catalog and at least one staged hosted catalog. Catalog update files are received into the system, and a data integration component validates and imports the catalog updates to the staged catalog, and an authorized buyer user is presented a summary of the update information and, upon an acceptance of the updates by the buyer user, the catalog update information is promoted to the live hosted catalog. In one embodiment a central catalog service maintains status information of the updates and coordinates workflow. In another embodiment, the system evaluates the update information and determines whether an approval is required.

Abstract: Systems and methods for detecting and mitigating fraud include a processor for performing steps including receiving a digital image of a receipt and utilizing an optical character recognition model to encode a digital representation of transaction information from the receipt. The processor extracts a payee feature, an amount feature, and a payment date feature from the transaction data, and generating a receipt feature vector from the payee feature, the amount feature and the payment date feature. The processor receives historical transaction data representing historical transactions, generates a transaction feature vector for each historical transaction and then utilizes a machine learning model to predict a matching transaction from the transaction history that matches the receipt based on the receipt feature vector and each of the transaction feature vectors to determine a difference between the payment amount of the receipt and the payment authorization of the matching transaction.

Abstract: A method for detecting fraudulent transactions includes generation of a graph including a plurality of nodes and a plurality edges between the plurality of nodes based on historical transaction data of a plurality of historical transactions. The plurality of nodes include a set of merchant nodes and a set of consumer nodes. A set of static features and a plurality of dynamic features are determined based on the historical transaction data and the generated graph, respectively. A neural network is trained based on the set of static features and the plurality of dynamic features for detection of transaction fraud. The neural network is used to detect a first transaction as one of a fraudulent transaction or a legitimate transaction based on first transaction data of the first transaction.

Abstract: Methods and systems for using machine learning to automatically determine a data loading configuration for a computer-based rule engine are presented. The computer-based rule engine is configured to use rules to evaluate incoming transaction requests. Data of various data types may be required by the rule engine when evaluating the incoming transaction requests. The data loading configuration specifies pre-loading data associated with at least a first data type and lazy-loading data associated with at least a second data type. Statistical data such as use rates and loading times associated with the various data types may be supplied to a machine learning module to determine a particular loading configuration for the various data types. The computer-based rule engine then loads data according to the data loading configuration when evaluating a subsequent transaction request.

Abstract: A method of integrating electronic data including integrating a desktop such that the desktop includes information received from various sources. The information displayed may be analyzed by a business rule to prioritize what information is included in the desktop, and the information may include data from databases, recent member activities, planned future actions, and recommended future actions. The method also includes the ability to integrate and/or aggregate various data sources, such as databases. The combination of the data sources may be performed according to one or more business rules.

Abstract: A method for processing a potentially fraudulent electronic payment transaction includes: receiving a first fraud detection rule configured to identify a potentially fraudulent electronic payment transaction; storing the first fraud detection rule in a fraud rules database; receiving a transaction request message; generating and storing a first case record associated with the first transaction in a case management database; receiving an updated fraud detection rule superseding the first fraud detection rule; applying the updated fraud detection rule to the first transaction to determine whether the first transaction does not satisfy the at least one updated fraud detection rule; and deleting the first case record from the case management database before the first transaction is further analyzed for fraud.

Abstract: In some examples, a payment service system receives a request to associate a proxy identifier with a user account of a charity. The proxy identifier is individually distinguishable from other proxy identifiers associated with user accounts of other users, and has a syntax including a symbol and a string of one or more characters. The symbol and the string are concatenated such that the symbol appears immediately before the string. The payment service system receives, via an application on a user device of a user, an input associated with the proxy identifier, and performs a database lookup to identify the user account associated with the proxy identifier. Information associated with the user account of the charity is presented via a user interface presented by the application. The user interface enables the user to donate funds from a financial account of the user to the user account of the charity.

Abstract: In some implementations, a user device may receive, via an application, object information associated with an object, wherein the object information identifies a value associated with the object and a location of the object. The user device may determine an adjustment factor that is associated with transactions performed in a region of the location. The user device may determine, based on the value and the adjustment factor, an adjusted value associated with the object. The user device may generate, based on the adjusted value, an arrangement of tokens for a transaction involving the object and the tokens. The user device may output, via a user interface of the application, an indication of the arrangement of tokens to assist a user with engaging in the transaction.

Abstract: In some examples, a payment system generates, for a first user, a proxy identifier having a syntax including a symbol and a string of one or more characters that are concatenated such that the symbol appears immediately before the string. The proxy identifier is associated with a financial account of the first user. The payment system receives an indication of an intent to transfer funds from a second user to the first user. The indication includes the proxy identifier in lieu of financial account information of the first user, and to identify the financial account of the first user for receiving the funds. Based at least on identifying the proxy identifier, the payment system accesses the financial account information of the first user and initiates the transfer of funds from the financial account of the second user to the financial account of the first user.

Abstract: Auctioning mechanisms adapted to improve the integrity of dark order block trading are provided.

Abstract: The present disclosure generally relates to a computer system displaying user interfaces for accessing passes and transfer accounts. In some examples, passes are added to the computer system. In some examples, passes are accessed. In some examples, transfers relating to the passes and transfer accounts are displayed, such as in search user interfaces.

Abstract: A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.

Abstract: A system and method for implementing a fast payment is described. A request to execute a payout to a payee account is received, where the request includes information about the payout. At least one payment rail available for the requested payout is determined from a plurality of payment rails based on the included information. Rules associated with each of the at least one payment rail are identified. A fastest payment rail is determined from the at least one payment rail for executing the payout based on the identified rules and the information about the payout. The payout is then executed over the determined fastest payment rail.