Abstract: Logo candidates for a specific ISO data can be identified from external resources based on the enriched merchant data. Low quality images of the logo candidates are filtered out with image analysis including entropy ratio evaluations of the logo candidates. Also, the logo candidates are processed with high quality filtering including classification of the logo candidates with a deep learning classifier for distinguishing logos from non-logos. A logo from the logo candidates is selected to associate with the ISO data packets. A display having the selected logo associated with a transaction of the ISO data packets can be generated for display to users.

Abstract: A method and system for processing a payment authorization request associated with a payment card is provided. The method comprises: receiving by a server location, updates from a user device based on at least one criterion for location updates from the user device; determining by the server, a cardholder's location based on the location updates; determining by the server, a transaction location based on analysis of a payment authorization request associated with a transaction; generating by the server, at least one of a transaction authorization approval and a transaction authorization denial in connection with the payment authorization request based on selectively matching the transaction location with the cardholder's location at the time of the transaction.

Abstract: While mobile device location remains, private, user transaction controls are applied to a specific authorization request. The user transaction controls are pre-configured by the user of the mobile account holder device and identified by the enriched merchant data. Location algorithms predict transaction locations used to obtain enriched merchant data responsive to location privacy mode. Responsive to the user transaction controls, a fraud recommendation response is sent to the approval system, in real time with the transaction. The fraud recommendation response prevents a false negative by using an enriched merchant location rather than the raw merchant location.

Abstract: Raw merchant data of real-time ISO transactions is enriched with normalized merchant data, including a normalized merchant name, a normalized merchant location, by transmitting the raw merchant data to an external resource and receiving the normalized raw merchant data from the external resource. An authorization request from a real-time ISO transaction concerning a specific mobile user can be initiated by a specific merchant device at a merchant location. A user location is obtained and utilized to identify enriched merchant data. It is the enriched merchant data that is used for deciding whether to approve or deny a transaction with more accuracy.

Abstract: While mobile device location remains, private, user transaction controls are applied to a specific authorization request. The user transaction controls are pre-configured by the user of the mobile account holder device and identified by the enriched merchant data. Location algorithms predict transaction locations used to obtain enriched merchant data responsive to location privacy mode. Responsive to the user transaction controls, a fraud recommendation response is sent to the approval system, in real time with the transaction. The fraud recommendation response prevents a false negative by using an enriched merchant location rather than the raw merchant location.

Abstract: Logo candidates for a specific ISO data can be identified from external resources based on the enriched merchant data. Low quality images of the logo candidates are filtered out with image analysis including entropy ratio evaluations of the logo candidates. Also, the logo candidates are processed with high quality filtering including classification of the logo candidates with a deep learning classifier for distinguishing logos from non-logos. A logo from the logo candidates is selected to associate with the ISO data packets. A display having the selected logo associated with a transaction of the ISO data packets can be generated for display to users.

Abstract: Updates to a payment card of the specific card user that will affect subsequent payments to the COF merchants has occurred are detected based on receiving a notification from an issuer processor. In response, payment credentials can be automatically updated with the COF merchants for the specific card user.

Abstract: A method and system for processing a payment authorization request associated with a payment card is provided. The method comprises: receiving by a server location, updates from a user device based on at least one criterion for location updates from the user device; determining by the server, a cardholder's location based on the location updates; determining by the server, a transaction location based on analysis of a payment authorization request associated with a transaction; generating by the server, at least one of a transaction authorization approval and a transaction authorization denial in connection with the payment authorization request based on selectively matching the transaction location with the cardholder's location at the time of the transaction.

Abstract: A method for managing a payment card is disclosed. The method comprises allowing a first party with access rights to a payment card managed by a card management system to designate at least one second party to whom access rights to said payment card is to be granted; and allowing said at least on second party to have access rights to said payment card by said card management system; wherein a card issuer associated with the payment card is not aware of the existence of the at least one second party and hence cannot exert any control over the access rights of said at least one second party.

Abstract: A method for mapping a city name to a geographic location is disclosed. The method comprises performing a search for the city name in at least one database said search including a search for synonyms and aliases associated with the city name; and if a result of the searching is negative then generating a tokenized form of the city name, and searching for the tokenized form of the city name in said at least one database.

Abstract: Updates to a payment card of the specific card user that will affect subsequent payments to the COF merchants has occurred are detected based on receiving a notification from an issuer processor. In response, payment credentials can be automatically updated with the COF merchants for the specific card user.

Abstract: Enforcing payment card policies using a financial institution agent coupled to a payment processing network. The advisory device intercepts messages directed to an authorization element at an authorizing bank, modifies the intercepted messages in response to a set of financial policy rules, and forwards the intercepted messages to the authorization element. The authorization element responds to any modifications made by the financial institution agent, and issues a grant or a denial of of authorization in response. The financial policy rules include a set of policy limits for use of the payment card, responsive to card usage type, merchant type and location, amount per transaction (or for a selected duration), number of transactions, and combinations thereof Financial policy rules can include side effects, including notifications or two-step authorization (with the cardholder or a monitoring party), transaction records, and combinations thereof.

Abstract: Embodiments of the present invention provide a system and method for an access point providing client to point-of-sale communication over a network, comprising: receiving credentials from the point-of-sale; sending at least one beacon message; receiving a probe request from a client; sending a probe response to the client; authenticating a connection with the client; exchanging capabilities with the client; performing a security handshake with the client; assigning at least one dynamic IP address to the client; and establishing an https session between the client and the point-of-sale over the network.

Abstract: Data distribution between mobile stations and external data paths is assigned to a new set of devices, distribution points. Each distribution point is independently coupled to mobile stations, also assigned to access points. Control elements operate to control the distribution points separately from the access points. Each access point maintains a substantially stateless link with each distribution point for which the two share a mobile station. Access points might exchange data with any one or more distribution points concurrently. Access points thus obtain greater bandwidth connectivity to external data paths. Mobile stations transfer between access points and transfer between distribution points independently. This has the effect that bandwidth connectivity between distribution points and external data paths have no particular requirement for VLAN separation. Mobile stations may roam among multiple Internet protocol subnets.

Abstract: A technique for providing per station control of multiple stations in a wireless network across multiple access points. A look-up table that assigns a station connected to the access point and at least one communication parameter to each of a plurality of persistent, uniquely-assigned BSSIDs (Basic Service Set Identifiers) is stored. An access point responds to messages addressed one of the plurality of persistent, uniquely-assigned BSSIDs and ignores messages addressed to other BSSIDs. Persistence of the BSSID allows the controller to maintain individual control over each station after moving to a second access point of the plurality of access points. A frame comprising the plurality of BSSIDs corresponding to each connected station aggregated into the frame is generated. The frame is transmitted to the plurality of stations.

Abstract: Raw merchant data of real-time ISO transactions is enriched with normalized merchant data, including a normalized merchant name, a normalized merchant location, by transmitting the raw merchant data to an external resource and receiving the normalized raw merchant data from the external resource. An authorization request from a real-time ISO transaction concerning a specific mobile user can be initiated by a specific merchant device at a merchant location. A user location is obtained and utilized to identify enriched merchant data. It is the enriched merchant data that is used for deciding whether to approve or deny a transaction with more accuracy.

Abstract: AP's associated with a communication network and any wireless devices desiring contact, operated according to a protocol in which each wireless device selects AP's with which to communicate. A system coordinator causes the AP's to operate so as to guide each wireless device to an AP selected by the system coordinator. This has the effect that, notwithstanding that the protocol involves having the wireless device make the selection of AP, functionally, the AP's make the selection for it. In a 1st technique, multiple AP's share an identifier, with the system coordinator directing one particular AP to respond to the wireless device, thus appearing to wireless devices as a “personal cell”. In a 2nd technique, AP's each maintain identifiers substantially unique to each wireless device, with the system coordinator directing only one particular AP to maintain any particular wireless device's identifier, thus appearing to wireless devices as a “personal AP”.

Abstract: Uplink medium access control on per-wireless device level for a specific user. An access point sends a beacon frame to a wireless device. The beacon frame includes a BSSID that is unique to the wireless device. The beacon frame also includes embedded uplink configurations specifying uplink medium access for the wireless device. In one embodiment, a controller recognizes a device or user associated with the device, and sends corresponding uplink configurations for embedding in a subsequent beacon frame.

Abstract: A method for a server performing a wireless payment transaction is disclosed. The method comprises providing a server web page or native application including options for a user selecting a role as payer or payee; requesting information from the payee including a transaction ID provided by the server; requesting information from the payer including the transaction ID; initiating an authorization of the transaction on a credit or debit account of the payer; initiating a transaction to credit the payee's account; and completing the transaction with the payer by initiating the offline clearing of the transaction.

Abstract: Embodiments of the present invention provide systems and methods for generating policy-based transaction alerts. In accordance with the systems and methods, an alert generation engine transparently detects ongoing transactions without participating in the transaction path, and generates policy-based alerts.