Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.

Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.

Abstract: A method and system for efficiently providing digital receipts is disclosed. Digital receipts can be provided to a user in real-time and on-demand, via a communication device operated by the user. The user can use the communication device to request a digital receipt or other transaction information. This request can be formatted as an API call and transmitted to a processing server, which can then query a database and request transaction information from a resource provider in order to produce the digital receipt.

Abstract: An exhaust aftertreatment system includes a housing including at least one exhaust aftertreatment component. The housing defines a body portion and an outlet portion terminating in an outlet opening. The outlet portion decreases in diameter from the body portion toward the outlet opening. A sampling tube is positioned within the outlet portion and extends between opposing sides of an inner wall of the outlet portion, with the sampling tube having a plurality of openings facing the body portion. A NOx sensor is positioned in fluid communication with an interior of the sampling tube.

Abstract: An exhaust aftertreatment system includes a housing including at least one exhaust aftertreatment component. The housing defines a body portion and an outlet portion terminating in an outlet opening. The outlet portion decreases in diameter from the body portion toward the outlet opening. A sampling tube is positioned within the outlet portion and extends between opposing sides of an inner wall of the outlet portion, with the sampling tube having a plurality of openings facing the body portion. A NOx sensor is positioned in fluid communication with an interior of the sampling tube.

Abstract: Techniques for changing a participation status in a loyalty program for a portable device are provided. The techniques include receiving an indication to change the participation status in the loyalty program from a first status to a second status. A parameter is modified in the portable device where the modification of the parameter corresponds to a change in the participation status in the loyalty program from the first status to the second status.

Abstract: An aftertreatment module may include a housing with an inlet port and an outlet port. A selective catalytic reduction catalyst may be disposed between the inlet port and the outlet port. A diffuser plate may be disposed downstream of the inlet port and upstream of the selective catalytic reduction catalysts. The diffuser plate may include a first section including a first degree of porosity and a second section including a second degree of porosity. The first degree of porosity may be greater than the second degree of porosity.

Abstract: An aftertreatment module may include a housing with an inlet port and an outlet port. A selective catalytic reduction catalyst may be disposed between the inlet port and the outlet port. A diffuser plate may be disposed downstream of the inlet port and upstream of the selective catalytic reduction catalysts. The diffuser plate may include a first section including a first degree of porosity and a second section including a second degree of porosity. The first degree of porosity may be greater than the second degree of porosity.

Abstract: Embodiments transmit user account updates to a transacting party within an authorization response message without receiving or requesting an inquiry from the transacting party. Both the old account information and the new account information may be included in the authorization response message sent to the transacting party. Accordingly, the updated account information is provided to the transacting party as a part of the transaction processing. The user account update may include a new account identifier assigned to the account, changes to the user information (e.g. name, address, etc.), changes to the information (e.g. expiration date, security code, etc.) associated with the account.

Abstract: Systems and methods for enrolling one or more items into a virtual wallet are provided. A transaction message for a transaction is received. The transaction message includes information associated with the one or more items and a primary payment card associated with a user. The information associated with the one or more items is enrolled into the virtual wallet associated with a user. The virtual wallet includes information associated with a primary payment account associated with the user.

Abstract: A computing apparatus includes: a portal configured to provide a user interface to a user to specify a privacy policy of the user and to receive consumer data of the user; a data warehouse coupled with the portal to store the privacy policy in connection with account information identifying a payment account of the user; a payment processor of a payment processing network configured to process payment transactions made using payment accounts and store in the data warehouse transaction data recording the payment transactions processed by the payment processor; and a rule engine coupled with the payment processor and the data warehouse to determine, in response to a payment transaction made using the account information for a payment to a merchant on behalf of the user, whether or not to transmit the consumer data of the user to the merchant in accordance with the privacy policy of the user.

Abstract: Systems and methods are provided for linking multiple payment card accounts to a single rewards program account which include associating, in a program management computer system, a first program identifier with the single rewards program account, associating, in the program management computer system, the first program identifier with a first payment card account, associating, in the program management computer system, the first program identifier to at least a second payment card account; and storing, in the program management computer system, at least a first set of reward program rules associated with the single reward program account, the first set of reward program rules specifying at least one of a reward conversion ratio and a promotion rule. Payment transactions conducted using the first and at least second payment card accounts earning a reward amount are associated with the single rewards program account and the first set of reward program rules are applied to the payment transactions.

Abstract: A system and method is disclosed whereby a health care provider is offered a benefit in exchange for the performance of specified activities of a patient. The patient activities may take the form of a purchase of prescribed or recommended products or services, such as prescription drugs, undergoing prescribed or recommended health care procedures, or participation in health-oriented programs or activities, such as a specified exercise regimen. In one embodiment, a benefit is provided to a health care provider upon verification of the adherence of a patient to a specified health-related activity. In one embodiment a benefit is provided to both a provider and a patient upon verification of the patient's adherence to a specified health-related activity. In one embodiment, patient adherence is facilitated by distributing benefit cards to patients wherein the benefit card identifies the patient as registered in an adherence program and is associated with a benefit account for receiving program benefits.

Abstract: Systems, methods and means for facilitating verification transactions in connection with a discount medical program are provided which include a verification host, configured to maintain rules and logic relating to price and member verification, a rate verification subsystem configured to maintain rules and logic for receiving price information from a plurality of discount medical plan sponsors including the prices for services from each medical service provider participating in the program and for processing requests for price verification received from medical services providers, and a member verification subsystem configured to maintain rules and logic for issuing a payment card to individuals with said card representing membership in a discount medical program, for receiving member information from medical plan sponsors including the current membership status of each member, for processing requests for member verification received from medical services providers, and for processing payment transactions as

Abstract: Pursuant to some embodiments, a payment account including multiple subaccounts is provided where each subaccount can be used only for payment for a designated category of products. Pursuant to some embodiments, purchases using the subaccounts can be automatically combined in a single transaction to redeem multiple categories of products, with each subaccount providing funds for the redemption of a single product category. In some embodiments, the payment account may include a subaccount that contains value that is unrestricted and available for general spending or to automatically provide supplementary funds for the redemption of products from subaccounts with product category restrictions. The value contained within each subaccount may be immediately available funds, access to credit provided by an entity who has agreed to extend credit to the account holder for purchasing products in a designated category or a combination of these types of value.

Abstract: A system for managing token image replacement is provided. The system includes a remote server, a token acceptance device, such as a personal computer (PC), connected to the remote server, a token, such as a phone, that can be read by the PC, and a token image server. Using application logic and rules, the remote server is able to read the token image on the token and determine if the image on the phone needs to be updated. The remote server forwards a backup token image to the PC which, in turn, writes the backup token image including transaction information to the phone. Once the backup token image is written onto the phone, subsequent interactions with the system would not initiate an update.

Abstract: A system for managing token image replacement is provided. The system includes a remote server, a token acceptance device, such as a personal computer (PC), connected to the remote server, a token, such as a phone, that can be read by the PC, and a token image server. Using application logic and rules, the remote server is able to read the token image on the token and determine if the image on the phone needs to be updated. The remote server forwards a backup token image to the PC which, in turn, writes the backup token image including transaction information to the phone. Once the backup token image is written onto the phone, subsequent interactions with the system would not initiate an update.

Abstract: A system for managing token image replacement is provided. The system includes a remote server, a personal computer (PC) connected to the remote server, a smartcard that can be read by the PC, and a card image server. Using application logic and rules, the remote server is able to read the card image on the smartcard and determine if the card image on the smartcard needs to be updated. If an indicator on the smartcard is set to “update”, the remote server then retrieves a backup card image that corresponds to the card from the card image server. The remote server forwards the backup card image to the PC which, in turn, writes the backup card image including transaction information to the smartcard. Once the backup card image is written onto the smartcard, the indicator in the smartcard is then reset to ensure that subsequent interactions with the system would not initiate an update.

Abstract: A system for managing token image replacement is provided. The system includes a remote server, a personal computer (PC) connected to the remote server, a smartcard that can be read by the PC, and a card image server. Using application logic and rules, the remote server is able to read the card image on the smartcard and determine if the card image on the smartcard needs to be updated. If an indicator on the smartcard is set to “update”, the remote server then retrieves a backup card image that corresponds to the card from the card image server. The remote server forwards the backup card image to the PC which, in turn, writes the backup card image including transaction information to the smartcard. Once the backup card image is written onto the smartcard, the indicator in the smartcard is then reset to ensure that subsequent interactions with the system would not initiate an update.

Abstract: A system for managing token image replacement is provided. The system includes a remote server, a personal computer (PC) connected to the remote server, a smartcard that can be read by the PC, and a card image server. Using application logic and rules, the remote server is able to read the card image on the smartcard and determine if the card image on the smartcard needs to be updated. If an indicator on the smartcard is set to “update”, the remote server then retrieves a backup card image that corresponds to the card from the card image server. The remote server forwards the backup card image to the PC which, in turn, writes the backup card image including transaction information to the smartcard. Once the backup card image is written onto the smartcard, the indicator in the smartcard is then reset to ensure that subsequent interactions with the system would not initiate an update.