Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Abstract: Systems and methods for mobile wallet payments are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for conducting a payment using an electronic wallet may include: (1) a mobile application receiving a selection of an alternate payment currency; the mobile application receiving a payment payload from an issuer; the mobile application providing the selection of the alternate payment currency and an identifier to the issuer; and the mobile application providing the payment payload and the identifier to a merchant host. The merchant host may communicate the identifier to the issuer, and the issuer may identify selection of the alternate payment currency based on the identifier.

Abstract: In supply-side information processing apparatus comprising at least one computer processor, a method for providing a user with intent-based ads may include: (1) receiving, from an intent broker, intent identifiers for intent categories of user intents; (2) communicating the intent identifiers to a demand-side platform, the demand-side platform comprising a plurality of advertisers and merchants; (3) receiving, from a supply-side SDK on a user electronic device, personal data for a user, wherein the supply-side SDK captures the personal data from a publisher application executed on the user electronic device; (4) retrieving, based on the personal data and from the intent broker, a user intent identifier for the user, the user intent identifier matching one of the intent categories; (5) communicating the user intent identifier to the supply-side SDK, wherein the supply-side SDK requests an intent-based ad from the demand-side platform using the user intent identifier.

Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.

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 universal system-to-system communication management and analysis are disclosed. According to one embodiment, in an analysis engine comprising at least one computer processor, a method for automating architecture design may include: (1) receiving, from an API database, static API information enriched with dynamic usage data; (2) generating a plurality of architecture designs based on the static API information enriched with the dynamic usage data and a plurality of rules, wherein an architect selects one of the plurality of architecture designs; (3) receiving feedback resulting from a simulation of the selected architecture; and (4) heuristically enhancing at least one of the plurality of rules based on the feedback.

Abstract: Systems and methods for account matching based on partial profile data are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor, a method for account matching based on partial profile data may include: (1) receiving, from a merchant, partial payment card information for a merchant customer, wherein the merchant customer is also a financial institution customer; (2) querying a database to identify a plurality of payment card accounts matching the partial payment card information; (3) requesting a transaction over a payment network for the plurality of payment card accounts matching the partial payment card information; (4) monitoring the payment network for the transaction involving one of the plurality of payment card accounts matching the partial payment card information; and (5) associating the payment card account involved in the transaction as the payment card account associated with the merchant customer.

Abstract: Systems and methods for protection of data across multiple users and devices are disclosed. According to one embodiment, in privacy server comprising at least one computer processor, a method for protection of data across multiple users and devices may include: (1) receiving, from a first user device, a data sharing permission for the first user device and a data sharing permission for a second user device, the first user device and the second user device associated with the same user; (2) provisioning the data sharing permission for the second user device; and (3) communicating the provisioned data sharing permission to the second user device, wherein the second user device shares data with the first user device according to the provisioned data sharing permission.

Abstract: Systems and methods for wallet, token, and transaction management using distributed ledgers are disclosed. According to one embodiment, in node of a distributed ledger network comprising an information processing apparatus having at least one computer processor, a method for card or token parameter management using a distributed ledger may include: (1) receiving, from an electronic wallet, a token state change for a payment token associated with electronic wallet, wherein the token state change is encrypted with a public key associated with the electronic wallet; (2) validating the encrypted token state change; and (3) committing the encrypted token state change to a distributed ledger.

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: System and methods for managing third party tokens and transaction across issuer ecosystems are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for managing payment tokens may include: (1) a first computer program associated with a financial institution and executed by the information processing device accessing a payment token associated with a second computer program executed by the information processing device; (2) the first computer program identifying the payment token as associated with a financial instrument issued by the financial institution; (3) a backend for the financial institution generating an association between the payment token and the financial institution; and (4) the backend for the financial institution communicating the association to an authorization platform for the financial institution.

Abstract: Systems and methods for issuer-specified domain control on a payment instrument are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for issuer-specified domain controls on a payment instrument may include: (1) receiving, from an issuer of a financial instrument, an identification of a domain control or restriction on a payment token for the financial instrument, the domain control or restriction to be applied by the issuer; (2) requesting generation of the payment token with a pass-through indicator from a token service provider; (3) receiving, from the token service provider, the payment token; and (4) storing an association of the domain control or restriction and the payment token.

Abstract: Systems, methods, and devices for managing privacy policies are disclosed. In one embodiment, a method for management of a user’s privacy preferences may include: identifying a computer application installed on a user electronic device, or a website accessed using a browser executed by the user electronic device; retrieving a privacy policy document analysis for a privacy policy document associated with the computer application or the website, the privacy policy document analysis comprising a valuation of a plurality of privacy policy segments within the privacy policy document; receiving a privacy preference analysis for the user, the privacy preference analysis comprising a valuation of a plurality of privacy preferences for the user; identifying a recommended action in response to the valuation of one of the privacy policy segments being outside the scope of the valuation of one of the plurality of privacy preferences; and executing the recommended action.

Abstract: Systems and methods for conducting person to person (P2P) transactions using points are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for person-to-person reward points gifting may include: (1) receiving, from a bank customer, a request to issue a reward points gift to a gift recipient, the request identifying gift recipient contact information for the gift recipient and a reward points amount; (2) sending a notification to the gift recipient contact information for the gift recipient to log in a gift recipient account to redeem the reward points gift; and (3) transferring the reward points amount to a gift recipient reward points account.

Abstract: System and methods for managing third party tokens and transaction across issuer ecosystems are disclosed. In one embodiment, in an information processing device comprising at least one computer processor, a method for managing payment tokens may include: (1) a first computer program associated with a financial institution and executed by the information processing device accessing a payment token associated with a second computer program executed by the information processing device; (2) the first computer program identifying the payment token as associated with a financial instrument issued by the financial institution; (3) a backend for the financial institution generating an association between the payment token and the financial institution; and (4) the backend for the financial institution communicating the association to an authorization platform for the financial institution.

Abstract: Systems, methods, and devices for managing privacy policies are disclosed. In one embodiment, a method for management of a user's privacy preferences may include: identifying a computer application installed on a user electronic device, or a website accessed using a browser executed by the user electronic device; retrieving a privacy policy document analysis for a privacy policy document associated with the computer application or the website, the privacy policy document analysis comprising a valuation of a plurality of privacy policy segments within the privacy policy document; receiving a privacy preference analysis for the user, the privacy preference analysis comprising a valuation of a plurality of privacy preferences for the user; identifying a recommended action in response to the valuation of one of the privacy policy segments being outside the scope of the valuation of one of the plurality of privacy preferences; and executing the recommended action.

Abstract: Systems and methods for federated privacy management are disclosed. In one embodiment, a method for federated privacy management may include: (1) receiving, at a user management node, and from a client application executing on an electronic device, a device identifier; (2) receiving, by the user management node, and from a second layer node in a multi-layer federated privacy management network, data comprising at least one of browsing data and application data from a web host or a server, wherein the data is in response to an internet protocol request from the client application via a first layer node and the second layer node to the web host or the server, and the data is associated with the device identifier; (3) receiving, at the user management node, a request for the data from the client application using the device identifier; and (4) communicating the data to the client application.

Abstract: Systems and methods for protection of data across multiple users and devices are disclosed. According to one embodiment, in privacy server comprising at least one computer processor, a method for protection of data across multiple users and devices may include: (1) receiving, from a first user device, a data sharing permission for the first user device and a data sharing permission for a second user device, the first user device and the second user device associated with the same user; (2) provisioning the data sharing permission for the second user device; and (3) communicating the provisioned data sharing permission to the second user device, wherein the second user device shares data with the first user device according to the provisioned data sharing permission.

Abstract: Systems and methods for providing pre-emptive intercept warning for online privacy or security are disclosed. In one embodiment, at a privacy security appliance comprising at least one computer processor, a method for may include: (1) establishing a virtual private network (VPN) connection with a computer application executed by a client device; (2) receiving, over the VPN connection, an internet protocol (e.g., HTTP or HTTPS) request for a website host; (3) communicating the internet protocol request to the website host; (4) receiving a response to the internet protocol request from the website host; (5) inspecting the response for privacy or security issues with embedded links in the response; (6) scoring the embedded links based on the inspection; (7) generating a mock webpage based on the response comprising the scoring for the embedded links; and (8) delivering the mock webpage with the scoring to the application over the VPN. The mock webpage may include links to the embedded links.

Abstract: Systems and methods for federated privacy management are disclosed. In one embodiment, a method for federated privacy management may include: (1) receiving, at a user management node, and from a client application executing on an electronic device, a device identifier; (2) receiving, by the user management node, and from a second layer node in a multi-layer federated privacy management network, data comprising at least one of browsing data and application data from a web host or a server, wherein the data is in response to an internet protocol request from the client application via a first layer node and the second layer node to the web host or the server, and the data is associated with the device identifier; (3) receiving, at the user management node, a request for the data from the client application using the device identifier; and (4) communicating the data to the client application.