Abstract: Disclosed herein are method, system, and computer product embodiments for generating a textual summary of a data set based on traversing a decision tree according to sequence and rank numbers related to a query. Subsets of the data set may receive a rank number indicating the relevancy of the subset of data to the query. In response to traversing the desicion tree, a textual summary representative of the data set and subsets of data may be generated and displayed. The textual summary may also include a course of action recommendation based on the culmination of the data set and relevant data subsets.

Abstract: Disclosed herein are aspects for dispersing a non-fungible token in response to a security program. An aspect begins by generating a three-dimensional virtual world. The aspect continues by receiving a request to access a test program as part of a security program in the three-dimensional virtual world. The test program includes a display of a source code and instructions for a user to resolve an associated challenge. The aspect then determines a tier of the user, where the tier indicates progress of the user in resolving challenges corresponding to the security program. The test program is generated based on the tier of the user and is generated on a user device through a perspective of a virtual camera. The aspect continues by receiving a resolution to the challenge. A non-fungible token is then generated based on the resolution, assigned to a digital wallet, and recorded on a blockchain.

Abstract: Systems and methods for voice-enabled transactions are disclosed. A merchant system may generate a transaction request comprising a transaction amount and a merchant identifier. The merchant system may invoke an audio signal generator to generate an audio transaction signal comprising the transaction request data. A voice assistant may play the audio transaction signal. The user initiating the transaction may use a mobile device to detect and ingest the audio transaction signal. In response to detecting and ingesting the audio transaction signal, the mobile device may interact with a payment network to authorize, process, and complete the transaction request. The payment network may transmit a transaction approval to the merchant system.

Abstract: At least some embodiments of the present disclosure are directed to an exemplary system including an application server; a cache memory storage; and a datastore; where the application server is at least configured to: receive, from one or more web client sessions, real-time user-related activity data that is representative of one or more activities performed by a user during a day; store the real-time user-related activity data in a temporary cache user profile data structure of the at least one cache memory storage; upon the receipt of the real-time user-related activity data, invoke, in real-time, a plurality of APIs that are configured to determine a user-specific eligibility data, generate a fixed activity plan; and attribute, in real-time, an activity performance to the fixed activity plan based on a pre-determined allocating rule.

Abstract: Systems and methods for secure mobile checkouts are disclosed. The system may include a secure mobile checkout device configured to scan products available in a merchant store. The device may scan the product to determine a product identifier. The device may transmit the scanned product data to a checkout application to retrieve product data corresponding to the product identifier. In device may initiate a transaction with a payment network to purchase the product, based on the product data provided by the checkout application. The payment network may process the transaction, and may authorize the purchase with the merchant.

Abstract: A system for customer defined limited use authorization. The system may receive an identification credential from at least one of an issuer native app or an issuer web app and receive a customer data. The system may determine a valid customer identity in response to the receiving the identification credentials and the customer data The system may receive a request to generate a token from at least one of the issuer web app or the issuer native app, wherein the request comprises at least one of the identification credential or a parent transaction account, and wherein the request comprises at least one of a customer defined authorization control or a customer defined generation control.

Abstract: A consumer may enroll in an event gamification system. An event listener may detect an event. The event gamification system may determine that the event qualifies for a game in which the consumer is enrolled. The event gamification system may transmit an achievement notification to the consumer as soon as the event occurs. The game may be displayed in a GUI on a consumer device. The consumer may be rewarded for completing the achievements in the game. Also, a server computer receiving a plurality of data sets that represent visually perceptible elements for a plurality of host web pages, wherein each of the plurality of host web pages displays an active link associated with a product on a merchant web page. The server automatically generating composite web page from: i) the particular data set associated with the particular host web page and the particular set of visually perceptible elements and ii) the related electronic content associated with the product from the merchant web page.

Abstract: At least some embodiments are directed to a computer-based cyber-attack frequency tracking system that determines types and frequencies of cyber-attacks. In at least some embodiments, the method of a cyber-attack frequency tracking system may operate a processor in an enterprise computing environment for automatically conducting a process that comprises receiving, a plurality of data values that represent a plurality of cyber-attacks. Determining cyber-attack types, and then determining the frequency of attempts and contacts with assets. After that determining likelihood values. Aggregating these determinations to produce a quantifiable value of a likelihood values of each of the plurality of cyber-attack types.

Abstract: Systems and methods for voice-enabled transactions are disclosed. A merchant system may generate a transaction request comprising a transaction amount and a merchant identifier. The merchant system may invoke an audio signal generator to generate an audio transaction signal comprising the transaction request data. A voice assistant may play the audio transaction signal. The user initiating the transaction may use a mobile device to detect and ingest the audio transaction signal. In response to detecting and ingesting the audio transaction signal, the mobile device may interact with a payment network to authorize, process, and complete the transaction request. The payment network may transmit a transaction approval to the merchant system.

Abstract: At least some embodiments of the present disclosure are directed to an exemplary system including an application server; a cache memory storage; and a datastore; where the application server is at least configured to: receive, from one or more web client sessions, real-time user-related activity data that is representative of one or more activities performed by a user during a day; store the real-time user-related activity data in a temporary cache user profile data structure of the at least one cache memory storage; upon the receipt of the real-time user-related activity data, invoke, in real-time, a plurality of APIs that are configured to determine a user-specific eligibility data, generate a fixed activity plan; and attribute, in real-time, an activity performance to the fixed activity plan based on a pre-determined allocating rule.

Abstract: A hybrid identity service system is disclosed. The system may receive a transaction request. The system may generate a first passcode and a second passcode. The system may decrypt a first encrypted private key with the first passcode to recover a private key. The system may sign the transaction request with the private key and may encrypt the private key with the second passcode to generate a second encrypted private key.

Abstract: A transaction account based micro-payment system using blockchain is disclosed. The system may receive a micro-payment request including a payment address from a merchant system. The system may invoke an account holder account smart contract and a directory smart contract. The system may write a plurality of micro-payment transaction debits to a transaction account based micro-payment blockchain via a blockchain node. The system may generate a transaction clearance event based on the account holder account smart contract. The system may write a micro-payment transaction clearance credit to the transaction account based micro-payment blockchain.

Abstract: A system for customer defined limited use authorization. The system may receive an identification credential from at least one of an issuer native app or an issuer web app and receive a customer data. The system may determine a valid customer identity in response to the receiving the identification credentials and the customer data The system may receive a request to generate a token from at least one of the issuer web app or the issuer native app, wherein the request comprises at least one of the identification credential or a parent transaction account, and wherein the request comprises at least one of a customer defined authorization control or a customer defined generation control.

Abstract: The system manages database structure updates. The system may receive, via a development gateway, a development script. The system may also copy, via a backup engine to an update module, an existing object code. The system may deploy, via an update engine, the development script directly to the database structure. The system may also generate new object code within the database structure associated with the existing object code. The system may determine, via a database health monitoring module, at least one of a successful deployment of the new object code or an unsuccessful deployment of the new object code.

Abstract: An authoring tool may comprise a plurality of predefined functions displayed in a visual manner. A user may select functions from the predefined functions to create a logic map. The authoring tool may read metadata from a metadata store corresponding to the functions. The authoring tool may generate an intermediate language, and compile the metadata from the intermediate language to a desired language. The authoring tool may execute the logic map on data in a data management system.

Abstract: The system may be configured to create and manage electronic credential information. The system may generate, by the computer based system and via a token engine, a first token. The system may associate, by the computer based system, the first token and the first electronic identification instrument. The system may further provision, by the computer based system and via a credential engine, a first electronic identification instrument and a first digital token associated with the first electronic identification instrument to a wallet application of a user device. The system may also provision, by the computer based system and via the credential engine, a second electronic identification instrument and a second digital token associated with the second electronic identification instrument to the wallet application of the user device.

Abstract: An eligibility module may receive batch credit bureau data and real time transaction data. The eligibility module may rank and score consumer based on the credit bureau data and the transaction data. A marketing campaign may he created to target consumers with a new product. The eligibility module may provide a list of consumers eligible for the new product. A real time eligibility check may be performed prior to transmitting an offer for the new product to a consumer. The real time eligibility check may be performed without requesting current credit bureau data. The consumer may access the offer, and an additional real time eligibility check may be performed prior to presenting the offer to the consumer.

Abstract: The system manages database structure updates. The system may receive, via a development gateway, a development script. The system may also copy, via a backup engine to an update module, an existing object code. The system may deploy, via an update engine, the development script directly to the database structure. The system may also generate new object code within the database structure associated with the existing object code. The system may determine, via a database health monitoring module, at least one of a successful deployment of the new object code or an unsuccessful deployment of the new object code.

Abstract: A system may receive a query configured to access a column in a data table. The data table may be in a flat file in a big data storage format. The system may detect the language type of the query and validate the query against the syntax of the language type. The system may also validate an access permission for data in the data table. The access permission may be stored in a permissions database. The system may generate a temporary table including the column with the temporary table configured to support the language type. The system may execute the query against the temporary table to generate a query result based on the temporary table as though it were the underlying data table. The system may enforce column-level or row-level access permissions by excluding columns or rows from the temporary table.

Abstract: Systems and methods of improving the operation of a test data provisioning network and test data provisioning network devices is disclosed. A data hub layer comprising an interstitial logic boundary at a periphery of a consumption environment and configured to interact with a production environment whereby test data may be provisioned without direct access by a user to the production environment. In this manner, the efficiency and resiliency of the production environment may be enhanced and the test data may be improved, so that the network more properly functions according to approved parameters.