Abstract: A payment accessory device is operatively coupled to a smart speaker. The smart speaker provides a voice-implemented personal assistant software service. A method of operating the payment accessory device includes communicating with a remote server computer via a mobile device. The purpose of the communication is for the mobile device to receive a payment token. The payment token is provisioned from the mobile device to the payment accessory device while positioning the mobile device in proximity to the payment accessory device. The provisioning of the payment token includes transfer of data from the mobile device to the payment accessory device.

Abstract: A method for facilitating permission-based cryptographic transactions across service providers includes: receiving an onboarding request including permission data and an identification value from a first computing system, the identification value being associated with a first blockchain wallet for a blockchain associated with a blockchain network; generating a permission token based on the permission data and an alias, the permission token including verified identity data points; transmitting the generated alias to the first computing system in response to the onboarding request; receiving a token request from a second computing system, the token request including the alias; and transmitting the generated permission token identification value to the second computing system in response to the token request.

Abstract: A swap check oracle receives a transfer request from a user or smart contract on a first blockchain indicating a first digital asset to be transferred. The swap check oracle verifies the authenticity of the user and/or digital asset and instructs the smart contract to transfer the first digital asset to a custodial blockchain address on the first blockchain. Another swap check oracle performs the same process for a second digital asset from a second user on a second blockchain. A central processing server is notified of the successful transfer of the digital assets to the custodial addresses on both blockchains, verifies the holding of the digital assets by the custodial addresses, and then initiates a release of the digital assets to the new parties on both of the blockchains.

Abstract: A method includes communicating with a remote server computer via a first mobile device to receive in the first mobile device a payment token associated with a PAN (primary account number). The PAN identifies a payment account owned by a user of the first mobile device. The method further includes provisioning the payment token from the first mobile device to a second mobile device in proximity to the first mobile device. The provisioning includes transfer of data from the first mobile device to the second mobile device.

Abstract: A method includes communicating with a remote server computer via a first mobile device to receive in the first mobile device a payment token associated with a PAN (primary account number). The PAN identifies a payment account owned by a user of the first mobile device. The method further includes provisioning the payment token from the first mobile device to a second mobile device in proximity to the first mobile device. The provisioning includes transfer of data from the first mobile device to the second mobile device.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.

Abstract: A method for facilitating customer service interactions through gesture recognition includes: capturing, by an optical imaging device, video data of a physical area, the physical area including one or more individuals; detecting a physical gesture performed by an individual of the one or more individuals based on movement of the individual across multiple frames of the captured video data; identifying a geographic location of the individual in the physical area using at least the captured video data; matching the detected physical gesture to one of a plurality of predetermined gestures; and transmitting a notification message to a computing device including at least the geographic location and the matched one of the plurality of predetermined gestures.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system process data from multiple data sources including information generated by the business and analyze the data to provide actionable suggestions, analytics and advice as to how to determine how to improve the performance of the business. The actionable suggestions, analytics and advice may be automatically compiled into a report and generated without user action. The use of natural language queries and responses allows for a merchant without a business intelligence background obtain these insights easily.

Abstract: A system and method for matching a savings opportunity using census data includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. Third party census data related to a geographic location of the user may be used in addition to the savings opportunity indication to match a savings opportunity from a database of savings opportunities to the user. The savings opportunity is displayed in association with a statement of the user's financial account.

Abstract: A method for processing a controlled payment number transaction with multiple funding sources includes: receiving an authorization request for a payment transaction including at least a transaction amount and a controlled payment number; identifying a mapping profile including at least the controlled payment number, an overflow transaction account number, and at least one spend profile, the at least one spend profile including at least a mapped transaction account number and one or more spend controls including at least a maximum payment amount; processing a first payment transaction for payment from the mapped transaction account number for the maximum payment amount; processing a second payment transaction for payment from the overflow transaction account number for an amount based on a difference between the transaction amount and the maximum payment amount; and transmitting an authorization response for the payment transaction including at least the controlled payment number.

Abstract: A method of transaction between a mobile payment device and a vending machine is described, together with a system and elements of a system supporting such a method of transaction. The method comprises establishing wireless contact between the mobile payment device and the vending machine. Vending machine transaction details are established between the mobile payment device and the vending machine. These vending machine transaction details are sent to a vending platform associated with a payment infrastructure where the vending machine transaction is authorized. The vending platform then provides an authorization token for the vending machine transaction, allowing the vending machine to enable vending when the authorization token has been received.

Abstract: A method for tokenized cross-currency transacting includes: receiving a transaction request, the request including a source address, destination address, source currency, destination currency, and currency amount; generating an intermediate address associated with a transaction account issued in the source or destination currency; processing a first payment transaction for payment of the currency amount from a transaction account associated with the source address to the transaction account associated with the intermediate address; processing a second payment transaction for payment of the currency amount from the transaction account associated with the intermediate address to a transaction account associated with the destination address; storing a transaction record including at least the intermediate address, source currency, destination currency, the currency amount; and transmitting a notification in response to the received transaction request indicating completion of the second payment transaction.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system process data from multiple data sources including information generated by the business and analyze the data to provide actionable suggestions, analytics and advice as to how to determine how to improve the performance of the business. The actionable suggestions, analytics and advice may be automatically compiled into a report and generated without user action. The use of natural language queries and responses allows for a merchant without a business intelligence background obtain these insights easily.

Abstract: A method for integration of merchant transaction services includes: storing a plurality of merchant profiles, each including a keyword, merchant data, communication data, and requested data fields; receiving a data message from a computing device; identifying a specific keyword based on the data message; identify merchant profiles that include the specific keyword; identifying data values corresponding to the requested fields included in the identified merchant profiles; transmitting a confirmation request to the computing device including the merchant data included in each identified merchant profile; receiving a confirmation notification from the computing device indicating one of the identified merchant profiles; and transmitting a transaction notification to a merchant related to the indicated merchant profile using the communication data included therein, wherein the transaction notification includes the identified data values.

Abstract: A method for supplying payment credentials in a secondary payment opportunity includes: receiving a first data signal from a first computing device superimposed with at least payment credentials associated with a transaction account; electronically transmitting a second data signal to a second computing device superimposed with a payment opportunity request; receiving a third data signal from the second computing device superimposed with at least one payment opportunity; electronically transmitting a fourth data signal superimposed with the at least one payment opportunity; receiving a fifth data signal superimposed with an indication of one of the at least one payment opportunity; and electronically transmitting a sixth data signal to the second computing device superimposed with at least the indicated payment opportunity and the payment credentials.

Abstract: Systems and methods are provided for use in creating, distributing, and displaying messages. One exemplary method includes receiving, by a computing device, a message request associated with an event and extracting, by the computing device, payment information and message information from the request. The method also includes causing the payment information to be processed. The method further includes creating, by the computing device, a message feed related to the event, when such a message feed does not exist, and adding the message information to the message feed when the message feed exists. Finally, the method includes causing, by the computing device, in response to a message feed request, the message feed to be delivered, whereby the message feed is displayed at an event merchant associated with the event.

Abstract: A payment accessory device is operatively coupled to a smart speaker. The smart speaker provides a voice-implemented personal assistant software service. A method of operating the payment accessory device includes communicating with a remote server computer via a mobile device. The purpose of the communication is for the mobile device to receive a payment token. The payment token is provisioned from the mobile device to the payment accessory device while positioning the mobile device in proximity to the payment accessory device. The provisioning of the payment token includes transfer of data from the mobile device to the payment accessory device.

Abstract: A method includes operating a first mobile device to define at least one rule. The rule(s) is (are) for constraining use of a payment token in payment transactions. The payment token is for being provisioned to a second mobile device different from the first mobile device. The method further includes transmitting the defined rule(s) from the first mobile device to a remote server computer.