Abstract: A system for payment routing according to a likelihood of settlement. The system includes processors and/or transceivers programmed to receive a payment transaction message relating to a putative payment transaction. The payment transaction message contains putative payment transaction data including a customer identification (ID) for an account and a transaction amount. The system generates a scaled score representing the likelihood of settlement of the putative payment transaction on at least one date for each of a plurality of potential payment rails. Based at least in part on the at least one scaled score for each of the plurality of potential payment rails, the system selects a payment rail from the plurality of payment rails. The system initiates, via the selected payment rail, a payment transaction corresponding to the putative payment transaction.

Abstract: The invention provides a method for transmission of sensitive information via an untrusted party. The sensitive information is held by a trusted computer and is transmitted via an untrusted computer to a recipient computer. Before transmission, the trusted computer encrypts the sensitive information using an encryption key that is associated with the recipient computer. The untrusted computer does not have access to a corresponding decryption key and is therefore unable to decrypt the sensitive information. The recipient computer is able to decrypt the encrypted sensitive information using a decryption key that it has access to and is thus able to gain access to the sensitive information without further communication with the trusted computer. This method has utility in payment transactions, particularly e-commerce transactions.

Abstract: A computer system includes a database, a communication interface, and a processor. The processor is programmed to receive a request message from an issuer computing device. The consent message includes a client ID and encrypted transaction card details for a transaction card account. The processor is also programmed to decrypt transaction card details. The processor is also programmed to match the client ID to the transaction card details using a BIN mapping table stored in the database. Based on the mapping, the processor generates an issuer access token. The issuer access token is associated with the transaction card account. The processor stores the issuer access token in the database and transmits the token to the issuer computing device.

Abstract: A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device.

Abstract: A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to decrypt transaction card details included in a secure request message. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device.

Abstract: A data update computing device is provided. The data update computing device receives, from one of a user computing device and a first relying party computing device, a first access authorization message, wherein the first access authorization message identifies (i) a first relying party and (ii) a first user data element of the user to be shared with the first relying party. The data update computing device generates a first globally unique identifier (GUID), wherein the first GUID is uniquely associated in a first record in a GUID database table with the first user data element and the first relying party; receives an updated value of the first user data element of the user; stores the updated value of the first user data element in the first record, and flag the first record as updated in the GUID database table; and transmits the first GUID to the first relying party.

Abstract: Incognito transactions can be provided by, in response to receiving a signal to initiate the incognito session, establishing parameters for an active incognito session. A payment request from a merchant may be received during the active incognito session. In response to receiving the payment request, an incognito payment request can be communicated to an issuer, where the incognito payment request includes at least the payment request and an indication of an incognito session. A payment result from the issuer can be received during the active incognito session. In response to receiving the payment result, an incognito payment result can be communicated to the merchant, where the incognito payment result includes at least the payment result and an indication of an incognito session. Stored transaction data can be modified for any transaction that occurred during the active incognito session such that certain details can be obscured.

Abstract: The present disclosure relates to a method and system for providing item recommendations to a user in a virtual marketplace. A virtual persona associated with a primary account number is identified. A merchant data request message requesting merchant data identifying preferred merchants to whom transactions have been made from the first payment account using the PAN is sent to a first remote server. In response, a set of merchant data associated with preferred merchants is received from the first remote server. An item data request message requesting item data associated with the preferred merchants is sent to a second remote server. In response, a set of item data associated with items that are associated with at least one of the preferred merchants is received from the second remote server. A recommendation of at least one of the items is provided to the user.

Abstract: A network translation computing device for processing consolidated messages is disclosed. The network translation computing device receives a web-based authentication response including a plurality of data elements in a web-based format. The network translation computing device translates the plurality of data elements from the web-based format to a network-based format. The network translation computing device generates a network-format authorization request message including the plurality of data elements in the network-based format. The network translation computing device transmits the network-format authorization request message to an issuer of the transaction card to initiate an authorization process of the transaction.

Abstract: A network translation computing device for processing consolidated messages is disclosed. The network translation computing device receives a web-based authentication response including a plurality of data elements in a web-based format. The network translation computing device translates the plurality of data elements from the web-based format to a network-based format. The network translation computing device generates a network-format authorization request message including the plurality of data elements in the network-based format. The network translation computing device transmits the network-format authorization request message to an issuer of the transaction card to initiate an authorization process of the transaction.

Abstract: Methods and systems for processing booking transactions are provided. A server received a transaction request to book an asset for a time period. The transaction request comprises a token identifier assigned to the asset and data identifying the time period. The server then identifies token data associated with the asset based on the token identifier and determines availability of the asset during the time period based on the token data. If the asset is available for the duration of the time period, the server maps the token identifier to an account identifier and sends a request to credit an account identified by the account identifier to a server of an issuer of the account.

Abstract: A computing node comprises a processor and a transaction cache. The transaction cache comprises one or more function records for each of a plurality of account numbers. Each function record comprises an account number, a function identifier, and transaction identifiers for any qualifying transactions. A qualifying transaction is a transaction for that account number to be used in determining a value for a function identified by the function identifier. The computing node can receive notification of an authorization request for a transaction pending authorization from a transaction network and provide values for each of the functions associated with an account number from the function record for that function using the transaction identifiers in that function record. If the transaction pending authorization is authorized, the computing node can then add a transaction identifier for that transaction to each function record for which that transaction is a qualifying transaction.

Abstract: A computing node comprises a processor and a transaction cache. The transaction cache comprises transaction data records for a plurality of account numbers. Each transaction data record comprises a plurality of transaction data elements for a transaction including the account number for that transaction. The computing node is adapted to receive an authorization request for a transaction pending authorization from a transaction network, use the transaction data records in the transaction cache to calculate function values for one or more predetermined functions for the account number associated with the transaction pending authorization, wherein the function values are determined from the transaction data elements of the transaction data records for that account number, and provide the calculated function values to the transaction network. If the transaction pending authorization is authorized, the computing node adds a transaction data record for that transaction to the transaction cache.

Abstract: A data update computing device is provided. The data update computing device receives, from one of a user computing device and a first relying party computing device, a first access authorization message, wherein the first access authorization message identifies (i) a first relying party and (ii) a first user data element of the user to be shared with the first relying party. The data update computing device generates a first globally unique identifier (GUID), wherein the first GUID is uniquely associated in a first record in a GUID database table with the first user data element and the first relying party; receives an updated value of the first user data element of the user; stores the updated value of the first user data element in the first record, and flag the first record as updated in the GUID database table; and transmits the first GUID to the first relying party.

Abstract: A network translation computing device for processing consolidated messages is disclosed. The network translation computing device receives a web-based authentication response including a plurality of data elements in a web-based format. The network translation computing device translates the plurality of data elements from the web-based format to a network-based format. The network translation computing device generates a network-format authorization request message including the plurality of data elements in the network-based format. The network translation computing device transmits the network-format authorization request message to an issuer of the transaction card to initiate an authorization process of the transaction.

Abstract: A computer implemented method of assessing the probability of fraudulent activity in an account to account payment is provided. The method comprises determining, based on previous credit balance settlement transactions between a first account and a card settlement account, that a first set of payment credentials is associated with the first account. It is determined that a second set of payment credentials are associated with the merchant account. A database comprising historical data indicating details of past payment transactions between the holder of the first set of payment credentials to the holder of the second set of payment credentials is accessed. A fraud probability engine is used to generate, based on the historical data, a fraud probability value for a transaction from a first account to a second account, wherein the fraud probability value is an estimate of the probability of the transaction being fraudulent.

Abstract: A method for hybrid payment authorization includes: storing a merchant profile including a merchant identifier and a merchant public key; receiving an authorization request for a payment transaction including an account number from an external entity, the merchant identifier, and a transaction amount; generating a recipient blockchain address using the merchant public key; transmitting the recipient blockchain address, a blockchain amount based on the transaction amount, and a sender digital signature to a node in a blockchain network; generating an authorization response for the payment transaction including a response code indicating approval or denial of the payment transaction; and transmitting the generated authorization response to the external entity.

Abstract: A computer-implemented method includes registering at least a first merchant and a second merchant, the registering including a consent process for payment card network access. The registering enables a registered merchant to post equity financing auctions and to bid on posted equity financing auctions. When a posting for an equity finance request is received from a registered first merchant, a validated aggregate historical data for the registered first merchant can be obtained from the payment card network. When a bid, which includes an amount of finance offered and requested equity, is received on the equity finance request from a registered second merchant, a set of transaction data for the registered second merchant is obtained from the payment card network and a score is generated for the registered second merchant based on conditions in the equity finance request using the set of transaction data and the bid.

Abstract: A method of electronic user message protocol extension for a transaction requiring delivery is provided. The method is implemented using a message protocol extension (MPE) computing device.

Abstract: The disclosure facilitates a relationship between a worker and a service provider company by determining and enforcing commission balance thresholds between the worker and the service provider company. Transaction data associated with a service request assigned to a worker account of the worker is received. The transaction data is recorded to a transaction history data structure and a commission balance threshold between the worker and the service provider company is determined based on transaction history data of the transaction history data structure. A commission balance between the worker and service provider company is updated based on the transaction data. Upon the updated commission balance exceeding the commission balance threshold, the worker account is disabled, such that the worker is prevented from receiving new service requests.