Abstract: Methods and server systems for computing fraud risk scores for various merchants associated with an acquirer described herein. The method performed by a server system includes accessing merchant-related transaction data including merchant-related transaction indicators associated with a merchant from a transaction database. Method includes generating a merchant-related transaction features based on the merchant-related indicators. Method includes generating via risk prediction models, for a payment transaction with the merchant, merchant health and compliance risk scores, merchant terminal risk scores, merchant chargeback risk scores, and merchant activity risk scores based on the merchant-related transaction features. Method includes facilitating transmission of a notification message to an acquirer server associated with the merchant.

Abstract: Techniques for iterative model training and deployment for automated learning systems are described. A method of iterative model training and deployment for automated learning systems comprises generating training data based on inference data, provided by a first version of a model hosted at an endpoint of a machine learning service, and feedback data, received from a client application, using an identifier associated with the inference data and the feedback data, generating a second version of the model using the training data, and deploying the model to the endpoint of the machine learning service.

Abstract: A computer-implemented method of presenting an electronic bill from a biller to a customer over a computer network includes steps of receiving biller-originated bill data and bill format data over the network into a bill presentment and payment database. The inputted bill data and bill format data are then stored in a first area of the bill presentment and payment database. The stored bill data and/or the bill format data is then validated and the validated bill data and/or the format data is swapped from the first area to a second area of the bill presentment and payment database, the second area being accessible to the customer. The bill, now incorporating the validated bill data and formatted according to the bill format data, may then be presented to the customer. A third, customer accessible area may be included in the database to archive the bills. The bill format data may include a plurality of bill templates, each of which may define a distinct appearance for the bill.

Abstract: A computer-implemented method of presenting an electronic bill from a biller to a customer over a computer network includes steps of receiving biller-originated bill data and bill format data over the network into a bill presentment and payment database. The inputted bill data and bill format data are then stored in a first area of the bill presentment and payment database. The stored bill data and/or the bill format data is then validated and the validated bill data and/or the format data is swapped from the first area to a second area of the bill presentment and payment database, the second area being accessible to the customer. The bill, now incorporating the validated bill data and formatted according to the bill format data, may then be presented to the customer. A third, customer accessible area may be included in the database to archive the bills. The bill format data may include a plurality of bill templates, each of which may define a distinct appearance for the bill.