Abstract: Cryptocurrencies may be used within the current Four Party Model to settle transactions between a merchant and a consumer who may use or accept fiat and/or cryptocurrency. An intermediary wallet entity may assume the risk of cryptocurrency transactions. For example, a fiat-fiat transaction may follow the usual settlement process of the Four Party Model. In a crypto-crypto transaction, settlement may occur in real time. But in a fiat merchant/crypto customer transaction, settlement may be made from the customer's crypto wallet to an intermediary wallet. Fiat settlement would then occur between the intermediary and merchant following the Four Party Model. In a crypto merchant/fiat customer transaction, a transfer may be made from the intermediary wallet to the merchant's crypto wallet. Fiat settlement between the customer's bank (issuer) and intermediary can happen in the usual settlement process.

Abstract: Cryptocurrencies may be used within the current Four Party Model to settle transactions between a merchant and a consumer who may use or accept fiat and/or cryptocurrency. An intermediary wallet entity may assume the risk of cryptocurrency transactions. For example, a fiat-fiat transaction may follow the usual settlement process of the Four Party Model. In a crypto-crypto transaction, settlement may occur in real time. But in a fiat merchant/crypto customer transaction, settlement may be made from the customer's crypto wallet to an intermediary wallet. Fiat settlement would then occur between the intermediary and merchant following the Four Party Model. In a crypto merchant/fiat customer transaction, a transfer may be made from the intermediary wallet to the merchant's crypto wallet. Fiat settlement between the customer's bank (issuer) and intermediary can happen in the usual settlement process.

Abstract: A method is disclosed. The method includes receiving, by a server computer from a resource provider computer, interaction data comprising a user identifier, a resource provider identifier, and a resource identifier. The interaction data is associated with an interaction between a resource provider and a user. The server computer can then determine a set of attribute types specifically associated with the resource provider identifier and the resource identifier. The server can then determine a set of user attributes associated with the set of attribute types using the user identifier. The server computer can then execute a query comprising one or more questions on the set of user attributes to determine if the one or more questions are satisfied. Next, if the one or more questions are satisfied, then the server computer can perform additional processing associated with the interaction.

Abstract: Cryptocurrencies may be used within the current Four Party Model to settle transactions between a merchant and a consumer who may use or accept fiat and/or cryptocurrency. An intermediary wallet entity may assume the risk of cryptocurrency transactions. For example, a fiat-fiat transaction may follow the usual settlement process of the Four Party Model. In a crypto-crypto transaction, settlement may occur in real time. But in a fiat merchant/crypto customer transaction, settlement may be made from the customer's crypto wallet to an intermediary wallet. Fiat settlement would then occur between the intermediary and merchant following the Four Party Model. In a crypto merchant/fiat customer transaction, a transfer may be made from the intermediary wallet to the merchant's crypto wallet. Fiat settlement between the customer's bank (issuer) and intermediary can happen in the usual settlement process.

Abstract: A method is disclosed. The method includes receiving, by a server computer from a resource provider computer, interaction data comprising a user identifier, a resource provider identifier, and a resource identifier. The interaction data is associated with an interaction between a resource provider and a user. The server computer can then determine a set of attribute types specifically associated with the resource provider identifier and the resource identifier. The server can then determine a set of user attributes associated with the set of attribute types using the user identifier. The server computer can then execute a query comprising one or more questions on the set of user attributes to determine if the one or more questions are satisfied. Next, if the one or more questions are satisfied, then the server computer can perform additional processing associated with the interaction.

Abstract: A method of determining a supplemental credit metric based on transaction data of a user including: receiving user transaction data including transaction parameters; determining a supplemental credit metric of the user based on the transaction parameters; receiving a request message; determining information identifying the user based on the request message; determining information corresponding to the supplemental credit metric of the user; and communicating the information corresponding to the supplemental credit metric of the user to a computing device. A system of determining a supplemental credit metric based on transaction data of a user is also disclosed.

Abstract: Described herein is a system in which a number of servers in a server pool may be decommissioned without affecting the availability of capabilities provided by that pool of servers. In some embodiments, each server may be assessed with respect to its characteristics and the applications running on that server. In some embodiments, the server may be added to a list of servers to be decommissioned. In some embodiments, each server in the list of candidate servers may be assigned a deactivation score and ordered based on those deactivation scores. An automated decommissioning system may be implemented to decommission servers on a list of servers to be decommissioned and/or based on a deactivation score associated with that server.

Abstract: Provided is a computer-implemented method for providing a merchant-based social network for at least one merchant. The method may include determining whether to grant access to a group merchant network for a first merchant based on qualification data associated with the group merchant network, determining identification data associated with an identifier of at least one second merchant of the group merchant network based on at least one merchant alignment parameter, communicating the identification data associated with the identifier of at least one second merchant, receiving a selection of the at least one second merchant, communicating an invitation request message based on receiving the selection of the at least one second merchant, receiving an invitation response message, and granting access to the individual merchant network associated with the first merchant for the at least one second merchant. A system and computer program product are also disclosed.

Abstract: Described herein is a system in which a number of servers in a server pool may be decommissioned without affecting the availability of capabilities provided by that pool of servers. In some embodiments, each server may be assessed with respect to its characteristics and the applications running on that server. In some embodiments, the server may be added to a list of servers to be decommissioned. In some embodiments, each server in the list of candidate servers may be assigned a deactivation score and ordered based on those deactivation scores. An automated decommissioning system may be implemented to decommission servers on a list of servers to be decommissioned and/or based on a deactivation score associated with that server.