Abstract: Various methods, apparatuses/systems, and media for implementing a standalone application module are disclosed. A configuration database stores information about one or more infrastructure resources. A receiver receives a request to connect to an infrastructure resource. A processor accesses the configuration database to fetch information about the infrastructure resource; accesses one or more external resource databases to fetch infrastructure resources that are required to run an application; dynamically creates the infrastructure resources accessed from the one or more external resource databases: and establishes and maintains a connection to the dynamically created infrastructure resources required by the application to function running in background in a user's system.

Abstract: Various methods, apparatuses/systems, and media for implementing a functional documentation module are disclosed. A repository stores a list of URLs corresponding to one or more applications and a list independently executable programming languages for running an application. A receiver receives a request for creating a new URL. A processor causes a GUI to display selectable URLs from the list of URLs, selectable components from the list of independently executable programing languages, and a functional documentation; creates the new URL by selecting one or more desired URLs from the selectable URLs based on analyzing the functional documentation; independently tests only the created new URL for running the application without testing the selectable URLs and their underlying components; and updates the repository with the new URL based on a positive test result.

Abstract: Systems and methods for using a device wallet identifier are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for generating a device wallet identifier may include: (1) receiving a wallet identifier for an electronic wallet or payment application executed by an electronic device; (2) retrieving an issuer identifier for a customer associated with the electronic wallet or payment application; (3) generating a device wallet identifier; and (4) storing a mapping of the device wallet identifier to the issuer identifier for the customer.

Abstract: Systems, methods, and devices for provisioning funding card numbers to merchant wallets are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for provisioning funding card numbers to third party wallets may include: (1) authenticating a customer using an electronic device; (2) redirecting the customer to a third-party website; (3) receiving, from the third-party website and via a first API, a request for funding primary account numbers (FPANs) associated with the customer; (4) providing the third-party website with a plurality of FPAN identifiers for FPANs associated with the customer; (5) receiving, from the third-party website and via a second API, a request for a FPAN associated with a selected FPAN identifier; (6) encrypting the FPAN associated with the selected FPAN identifier; and (7) communicating the encrypted FPAN to the third-party website.

Abstract: Systems and methods for digital refunds are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital refunds may include: (1) receiving, from an issuing financial institution, electronic transaction data for a transaction involving a product purchased by a customer from a merchant, the product having a purchase price; (2) determining a return period in which the product may be eligible for a return to the merchant; and (3) during the return period: (a) retrieving a current price for the product from the merchant or a third-party merchant; (b) determining that the current price for the product may be less than the purchase price; and (c) initiating a refund to the customer from the merchant for a difference between the current price and the purchase price.

Abstract: Systems, methods, and devices for provisioning funding card numbers to merchant wallets are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for provisioning funding card numbers to third party wallets may include: (1) authenticating a customer using an electronic device; (2) redirecting the customer to a third-party website; (3) receiving, from the third-party website and via a first API, a request for funding primary account numbers (FPANs) associated with the customer; (4) providing the third-party website with a plurality of FPAN identifiers for FPANs associated with the customer; (5) receiving, from the third-party website and via a second API, a request for a FPAN associated with a selected FPAN identifier; (6) encrypting the FPAN associated with the selected FPAN identifier; and (7) communicating the encrypted FPAN to the third-party website.

Abstract: Various methods, apparatuses/systems, and media for implementing a language agnostic packaging platform are disclosed. A receiver receives a user request of a process flow corresponding to develop, test, or manage a desired application. A data source stores ready to use modules written for corresponding application programming interface (API) for a plurality of resources. A processor coupled to the receiver and the data source accesses the data source to obtain the ready to use modules written for corresponding application programming interface (API) for the plurality of resources to determine what resources are necessary to develop, test, or manage the desired application and creates an index file based on the resources accessed from the data source. The processor also causes a language agnostic packaging platform to receive the index file as input and automatically creates the desired application as output of the process flow based on the received index file.

Abstract: Various methods, apparatuses/systems, and media for implementing a language agnostic packaging platform are disclosed. A receiver receives a user request of a process flow corresponding to develop, test, or manage a desired application. A data source stores ready to use modules written for corresponding application programming interface (API) for a plurality of resources. A processor coupled to the receiver and the data source accesses the data source to obtain the ready to use modules written for corresponding application programming interface (API) for the plurality of resources to determine what resources are necessary to develop, test, or manage the desired application and creates an index file based on the resources accessed from the data source. The processor also causes a language agnostic packaging platform to receive the index file as input and automatically creates the desired application as output of the process flow based on the received index file.

Abstract: Systems and methods for gamification-based engagement are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for gamification-based engagement, may include: (1) receiving, from a plurality of data sources, customer activity data comprising customer behavioral data and customer transactional data for a plurality of customers; (2) generating a dynamic customer profile for each of the customers based on the customer activity data and the customer transactional data; (3) retrieving challenge data for a challenge comprising an identification of a plurality of tasks to be completed, an order in which the tasks are to be completed, and an incentive for completing the tasks; (4) dynamically matching one of the customers to the challenge; (5) issuing the challenge to the customer; (6) tracking the customer's response to the challenge; and (7) updating the customer's dynamic customer profile based on the customer's response.

Abstract: A method for determining payment card provisioning availability may include an electronic wallet application executed by an electronic device: retrieving a profile identifier from memory; calling an issuing financial institution with the profile identifier for a number of eligible payment cards associated with the profile identifier; receiving the number of eligible payment cards associated with the profile identifier from the issuing financial institution; calling a provider for the electronic wallet application for a number of eligible payment cards that are already provisioned to the electronic wallet application; receiving the number of eligible payment cards that are already provisioned to the electronic wallet application; determining that the number of eligible payment cards is greater than the number of eligible payment cards that are already provisioned to the electronic wallet application; and displaying an option to add a payment card to a payment card to the electronic wallet application.

Abstract: Systems and methods for securely calling APIs on an API gateway from applications that need first party authentication are disclosed. In one embodiment, a method may include: (1) receiving, from a protected service, an authentication system token/cookie identifier, a first plurality of user identifying attributes, and a request to create an oAuth access token; (2) creating an attribute string; (3) encrypting the attribute string with a private key, resulting in the oAuth access token; (4) sending the oAuth access token to the first party computer application; (5) receiving, from the first party computer application, a request to access a backend service, a second plurality of user identifying attributes, and the oAuth access token; (6) decrypting the oAuth access token; (7) validating the decrypted oAuth access token; (8) inserting the authentication system token/cookie identifier into the request to access; and (9) communicating the request to the backend service.

Abstract: Systems and methods for using an OAUTH client-secret to encrypt data sent to browser are disclosed. In one embodiment, in an issuer authorization services processing apparatus comprising at least one computer processor, a method for using an OAUTH client-secret to encrypt data may include: (1) receiving, from a client, a registration request; (2) returning, to the client, a client identifier, a client secret, and a nonce; (3) generating an extended client secret using a combination of the client identifier, the client secret, and the nonce; (4) storing the extended client secret; (5) receiving, from the client, encrypted plaintext data; (6) decrypting the encrypted plaintext data using the extended client secret; and (7) providing an encrypted response to the plaintext data, the encrypted response encrypted using the extended client secret.

Abstract: Systems and methods for dynamic rule generation for filtering context-based system, transactional, and behavioral data are disclosed. According to one embodiment, a method for dynamic rule generation for filtering context-based system, transactional, and behavioral data may include: (1) receiving a plurality of tasks, each task based on at least one event type; (2) generating a rule for each of the tasks, wherein the rule specifies one or more conditions based on at least one of an attribute or data field in the event type for the task; (3) identifying a plurality of customers to target for the task based on a customer profile context for each customer; (4) enriching the rule and condition with the customer profile; and (5) publishing the rules and condition to a data lake associated with the event type for the task.

Abstract: Various methods, apparatuses/systems, and media for implementing a standalone application module are disclosed. A configuration database stores information about one or more infrastructure resources. A receiver receives a request to connect to an infrastructure resource. A processor accesses the configuration database to fetch information about the infrastructure resource; accesses one or more external resource databases to fetch infrastructure resources that are required to run an application; dynamically creates the infrastructure resources accessed from the one or more external resource databases; and establishes and maintains a connection to the dynamically created infrastructure resources required by the application to function running in background in a user's system.

Abstract: Systems, methods, and devices for provisioning funding card numbers to merchant wallets are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for provisioning funding card numbers to third party wallets may include: (1) authenticating a customer using an electronic device; (2) redirecting the customer to a third-party website; (3) receiving, from the third-party website and via a first API, a request for funding primary account numbers (FPANs) associated with the customer; (4) providing the third-party website with a plurality of FPAN identifiers for FPANs associated with the customer; (5) receiving, from the third-party website and via a second API, a request for a FPAN associated with a selected FPAN identifier; (6) encrypting the FPAN associated with the selected FPAN identifier; and (7) communicating the encrypted FPAN to the third-party website.

Abstract: Systems and methods for digital refunds are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital refunds may include: (1) receiving, from an issuing financial institution, electronic transaction data for a transaction involving a product purchased by a customer from a merchant, the product having a purchase price; (2) determining a return period in which the product may be eligible for a return to the merchant; and (3) during the return period: (a) retrieving a current price for the product from the merchant or a third-party merchant; (b) determining that the current price for the product may be less than the purchase price; and (c) initiating a refund to the customer from the merchant for a difference between the current price and the purchase price.

Abstract: Various methods, apparatuses/systems, and media for implementing a functional documentation module are disclosed. A repository stores a list of URLs corresponding to one or more applications and a list independently executable programming languages for running an application. A receiver receives a request for creating a new URL. A processor causes a GUI to display selectable URLs from the list of URLs, selectable components from the list of independently executable programing languages, and a functional documentation; creates the new URL by selecting one or more desired URLs from the selectable URLs based on analyzing the functional documentation; independently tests only the created new URL for running the application without testing the selectable URLs and their underlying components; and updates the repository with the new URL based on a positive test result.

Abstract: Systems and methods for token and transaction management are disclosed. According to one embodiment, in an issuer wallet server comprising at least one computer processor, a method for token and transaction management may include: (1) receiving a update for an attribute for a Device WalletID or an issuer wallet application executed by an electronic device; (2) providing the update to the issuer wallet application; (3) providing the update to a third party wallet server associated with a third party wallet application executed by the electronic device, wherein the third party wallet server communicates the update to the third party wallet application; and (4) updating the attribute in the Device WalletID.

Abstract: Systems and methods for using a device wallet identifier are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for generating a device wallet identifier may include: (1) receiving a wallet identifier for an electronic wallet or payment application executed by an electronic device; (2) retrieving an issuer identifier for a customer associated with the electronic wallet or payment application; (3) generating a device wallet identifier; and (4) storing a mapping of the device wallet identifier to the issuer identifier for the customer.

Abstract: Systems and methods for token and transaction management are disclosed. According to one embodiment, in an issuer wallet server comprising at least one computer processor, a method for token and transaction management may include: (1) receiving a update for an attribute for a Device WalletID or an issuer wallet application executed by an electronic device; (2) providing the update to the issuer wallet application; (3) providing the update to a third party wallet server associated with a third party wallet application executed by the electronic device, wherein the third party wallet server communicates the update to the third party wallet application; and (4) updating the attribute in the Device WalletID.