Abstract: A transaction blocking system for updating a database for a card-not-present account-on-file transaction blocking service includes a memory device for storing data and a processor communicatively coupled to the memory device. The processor is programmed to receive from an issuer a chargeback message including issuer identification information, a chargeback reason code, and a primary account number relating to a payment account of a cardholder. The processor is also programmed to read the chargeback reason code, and determine whether the chargeback message corresponds to a cancelled recurring payment. Furthermore, the processor is programmed to generate an entry within the database in response to determining that the chargeback message corresponds to a cancelled recurring payment. A computer-implemented method for the blocking service is also disclosed.

Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving a request for at least one recurring network transaction involving a first party, based on a prior network transaction with the first party and including multiple attributes. The method also includes soliciting at least one variable attribute of the at least one recurring network transaction from a user associated with the prior transaction, receiving the at least one variable attribute from the user, and compiling and storing a recurring transaction order based on the multiple attributes of the prior transaction and the at least one variable attribute. The exemplary method then further includes initiating the at least one recurring network transaction, based on a timing defined by the recurring transaction order, whereby the prior transaction and its multiple attributes provide a template for the at least one recurring network transaction.

Abstract: An authorization system for enhancing online authorization processes by centrally storing historical authorization data and analyzing the historical authorization data in real-time for a transaction is provided. The authorization system includes at least one authorization computing device. The authorization system is configured to collect historical transaction data associated with a user account, store the historical transaction data that includes historical authorization data, parse the historical transaction data, and extract the historical authorization data from the historical transaction data. The authorization system is also configured to compile the historical authorization data, build an authorization table using a stored user profile, and continuously update the authorization table using the historical authorization data.

Abstract: A computer-based method for identifying a user computing device used in a fraudulent transaction is provided. The method includes receiving device data associated with the user computing device during a first payment transaction initiated from the user computing device, wherein the device data is capable of uniquely identifying the user computing device. The method further includes storing the device data within the at least one memory device, and receiving an indication that the first payment transaction initiated from the user computing device was fraudulent. The method further includes assigning a risk factor to the user computing device, and transmitting the risk factor to a merchant, wherein the merchant uses the risk factor to determine whether to process a resale transaction initiated from the user computing device wherein the resale transaction is associated with a resale of goods acquired in association with the first payment transaction.

Abstract: A chargeback analytics computing device for generating chargeback analytics associated with service chargebacks is provided. The chargeback analytics computing device is configured to retrieve transaction data for a merchant, the transaction data associated with transactions initiated at the merchant, and extract chargeback data from the transaction data, the chargeback data associated with chargeback transactions. The chargeback analytics computing device also parses the chargeback data to identify a chargeback reason code associated with each chargeback transaction. Based upon the chargeback reason codes, the chargeback analytics computing device isolates a fraud-related portion and a non-fraud-related portion of the chargeback data, and extracts a service subset of the non-fraud-related portion associated with service chargeback transactions, wherein a service chargeback transaction is initiated by a cardholder having an unsatisfactory experience with the merchant.

Abstract: A system for dynamically adjusting a default password attempt threshold is provided. The system includes a server for storing the digital account, and a dynamic password computing device for controlling access to the server. The dynamic password computing device is configured to receive an access request from a user using a first user device for accessing the digital account wherein the access request includes first user device data elements and an account ID, retrieve a historical account profile of the user that includes user device data elements for one or more user devices used by the user to access the digital account, compare the first user device elements from the access request to the historical account profile of the user, determine a likelihood that the user submitting the access request is a legitimate account holder, and adjust the default password attempt threshold stored within the memory based on the determination.

Abstract: An auto-enrollment billing updater (AEBU) computing device for enrolling enrollees in an automatic updating program is provided. The AEBU computing device is configured to receive, from an acquirer computing device, an account update request for updated account data for a set of account identifiers, the account update request including an input acquirer identifier and an input merchant identifier. The AEBU computing device is further configured to perform a lookup within a transaction database using a combination of the input acquirer identifier and the input merchant identifier, wherein the transaction database includes transaction data involving a plurality of cardholders and a plurality of merchants.

Abstract: A gratuity analyzing computing device and method are provided. The computing device may include a receiver to receive transaction data of a plurality of merchants, wherein the transaction data includes authorization transactions and clearing transactions, a calculator to match a plurality of authorization transactions with a plurality of clearing transactions, respectively, and calculate gratuity amounts for the plurality of matched transactions, an analyzer to select at least two merchants, generate tip data for each selected merchant, the tip data for a respective merchant being generated based on gratuity amounts of matched transactions that correspond to the respective merchant, and rank the at least two merchants based on a comparison of the generated tip data of the at least two merchants with respect to each other, and a transmitter configured to output the rank and the tip data of the at least two merchants to a user.

Abstract: A data synchronization (DS) computing device is described herein, the DS computing device configured to retrieve an update request from a queue, the update request including a key value and a requesting party identifier. The key value identifies at least one data record. The DS computing device is also configured to identify key lookup data associated with the update request, the key lookup data including one or more updated data record elements, and determine whether a release is needed from at least one stakeholder associated with the key value. The DS computing device is configured to transmit a release request to the stakeholder, when the release is needed. The DS computing device is further configured to receive a release response from the stakeholder, the release response indicating that the release has been authorized, and transmit an update response to the requesting party, the update response including the key lookup data.

Abstract: A computing network system including a historical authorization database, a lost and stolen card (LSC) database, an account data breach (ADB) database, and a compromised identification (CI) computing device is provided. The CI computing device retrieves a set of historical account identifiers associated with historical transactions of a candidate merchant from the historical authorization database. The CI computing device compares the historical account identifier to lost and/or stolen (LS) account data stored by the LSC database and breach data stored by the ADB database. The CI computing device generates a compromised account message when a historical account identifier has a matching account identifier within the LS account data and/or the breach data. The compromised account message includes the matching account identifier and an associated reason code indicating a cause of compromise. The CI computing device transmits the compromised account message to the candidate merchant for review and analysis.

Abstract: An automatic billing updater (ABU) computing device is provided. The ABU computing device receives, from a candidate merchant, a batch update request including a plurality of account identifiers and retrieves a plurality of historical account identifiers from an historical authorization database. Each account identifier of the historical account identifiers is associated with a respective historical transaction of the candidate merchant. The ABU computing device further compares the account identifiers of the batch update request to the historical account identifiers, identifies at least one unrequested account identifier from the historical account identifiers based on the comparison, retrieves unrequested billing data associated with the unrequested account identifier from a billing database that stores updated billing data associated with a plurality of payment accounts, and transmits the unrequested billing data to the candidate merchant.

Abstract: A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an authorization computing device in communication with a memory. The method includes storing a plurality of transaction histories associated with a plurality of prepaid payment cards, receiving an authorization request for a payment transaction between a cardholder and an originating merchant initiated using a prepaid payment card, determining a transaction history associated with the prepaid payment card based on the plurality of transaction histories, calculating a prepaid risk score for the payment transaction based on the authorization request and the determined transaction history, and transmitting the prepaid risk score to the originating merchant.

Abstract: A computer-implemented method for electronically linking accounts within a database and automatically blocking an ineligible fraud-related chargeback from chargeback processing over a network is provided. The method is implemented using a chargeback blocking computing device.

Abstract: A system for building a data table of travel-related data and using the data table to reduce false declines when processing payment transactions is provided. The system includes a travel identifier (TI) computing device configured to receive transaction data that includes travel-related data and cardholder identifiers, the transaction data associated with transactions initiated by a cardholder, identify the travel-related data for the cardholder, and build a data table for storing one or more records within an itinerary data source using the travel-related data. The TI computing device is also configured to receive current transaction data for a current transaction initiated by the cardholder including a current transaction location and a current transaction date. The TI computing device is further configured to authenticate the current transaction data by electronically matching the current transaction location and the current transaction data to the data table stored in the itinerary data source.

Abstract: An enhanced automatic billing updater (ABU) computing device for detecting data inconsistencies thereby reducing fraudulent transactions or identifying data integrity issues is described. The ABU computing device is configured to store account data in an ABU account information database including a plurality of account identifiers of closed accounts, receive an authorization request message including a candidate account identifier, the authorization request message requesting authorization of a transaction, and compare the candidate account identifier with the plurality of account identifiers associated with closed accounts stored in the ABU account information database.

Abstract: A data synchronization (DS) computing device is described herein, the DS computing device configured to retrieve an update request from a queue, the update request including a key value and a requesting party identifier. The key value identifies at least one data record. The DS computing device is also configured to identify key lookup data associated with the update request, the key lookup data including one or more updated data record elements, and determine whether a release is needed from at least one stakeholder associated with the key value. The DS computing device is configured to transmit a release request to the stakeholder, when the release is needed. The DS computing device is further configured to receive a release response from the stakeholder, the release response indicating that the release has been authorized, and transmit an update response to the requesting party, the update response including the key lookup data.

Abstract: Disclosed are exemplary embodiments of systems and methods for facilitating a shopping experience of a customer during a shopping session. In an exemplary embodiment, a method includes capturing, by a computing device, an identifier associated with a product during a shopping session involving a consumer and transmitting an item authorization for the product to an issuer of a payment account associated with the consumer. The method also includes accessing, in a product data structure, a weight associated with the product based on the identifier. The method further includes appending the weight to a total session weight at a virtual shopping cart when the item authorization is confirmed, and initiating, by the computing device, a payment transaction separate from the item authorization when a checkout request is received and the total session weight matches a physically measured total session weight comprising the product.

Abstract: A regulated account-on-file billing updater (ABU) computing device for regulating an account information data source and verifying access to the account information data source is provided. The regulated ABU computing device receives account data from an issuer, the account data corresponding to a cardholder, and stores the account data in an account information data source based on an account identifier associated with the cardholder. The regulated ABU computing device receives an update request from a merchant, the update request including the account identifier and requesting the account data of the cardholder, and verifies the update request in response to receiving the update request by applying at least one verification rule and determining that the merchant is a verified merchant. The regulated ABU computing device also generates an update response, the update response including the account data of the cardholder, and transmits the update response to the verified merchant.

Abstract: Systems and methods for optimizing travel bookings. A travel analyzing computing device is configured to retrieve historic transaction data including addendum data from travel booking transactions of cardholders. The travel analyzing computing device then extracts booking information comprising booking dates, travel dates, and prices from the retrieved historic transaction data. The travel analyzing computing device is further configured to receive booking inquiries comprising a travel date. Based on the travel date indicated in the booking inquiry, the travel analyzing computing device generates booking data including an optimal booking date. The travel analyzing computing device may then transmit the booking data, including the optimal booking date, to the user computing device.

Abstract: A capacity analysis computing device for determining a restaurant capacity level is provided. The capacity analysis computing device is configured to store historical transaction data for a restaurant for a period of time, and analyze the historical transaction data to identify a maximum restaurant capacity for the restaurant over the period of time. The capacity analysis computing device is also configured to receive, from a user computing, a selected time interval for which a current capacity level is to be determined. The capacity analysis computing device is further configured to identify a similar historical time interval to the selected time interval, and determine a historical capacity level for the restaurant during the similar historical time interval. The capacity analysis computing device is further configured to assign the historical capacity level as the current capacity level for the restaurant, and display the current capacity level on the user computing device.