Abstract: A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time.

Abstract: Systems and methods for processing data service requests are disclosed. The system may receive a data service request comprising a unique process code and a data input. The system may parse the data service request to determine the unique process code. The system may retrieve a data operation sequence based on the unique process code. The data operation sequence may comprise an ordered list of executable operations. The system may generate an operation service request based on a first executable operation and the data input. The system may execute the operation service request.

Abstract: A global userID may be linked to many individual locations. A user may login to the global userID and select an experience environment. The experience environment may provide access to locations associated with the experience environment, such as all locations in a country. The user may switch between experience environments without providing login credentials for each individual location the user wishes to view.

Abstract: Systems and methods for allocating jobs in a distributed file system queue are provided. The system may receive a job request and intelligently divide the job request into one or more logical job stages. Each job stage may be assigned a stage weight based on historical data corresponding to each job stage, such as job stage computing requirements, job stage data outputs, and the like. The system may assign each job stage to a job queue n the distributed file system based on the stage weight and the current computing availability of each job queue. The system may execute each job stage in the assigned job queue to complete the job request.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A business size arbitration network host may comprise various modules and engines as discussed herein wherein the size of the business (e.g., aggregate value of sales) may be identified as being relatively large, whereby the transaction network may tailor the handling of a transaction of the business, such as by adjusting handling speed, fees, etc., whereby the transaction network may actively encourage use of transaction products and services by relatively large businesses, and/or such as by delivering value-added services, such as electronically provided advertisements and/or offers, and/or other credit and/or lending products, whereby the transaction network more properly functions according to approved parameters.

Abstract: A system, method, and computer-readable medium for securing a mobile financial transaction are provided. A table matches each one of a plurality of transaction risk levels to a corresponding one of a plurality of required user trust scores, correspondingly. A financial transaction risk level associated with a financial transaction is computed. A user trust score associated with the user is computed based on user identification data associated with the user. The financial transaction risk level is matched to a corresponding one of the plurality of transaction risk levels stored in the table. The one of the plurality of required trust scores that corresponds to the corresponding one of the plurality of transaction risk levels stored in the table is identified. If the user trust score is greater than or equal to the identified one of the plurality of required trust scores, then the financial transaction is authorized.

Abstract: A method comprises transmitting, by a merchant web-client, a signal using a low energy consuming device, wherein the signal may be received by a transaction account holder web-client, wherein the signal may carry content associated with a merchant, and wherein the merchant is associated with the merchant web-client, and/or receiving, by the merchant web-client, a response from the transaction account holder web-client, wherein the response may be transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device. The content may comprise an advertisement associated with an item offered for sale by the merchant.

Abstract: Systems and methods for integrating communications between a customer relationship management (CRM) platform and an application lifecycle management (ALM) platform are disclosed. The system may retrieve CRM support records and data, reformat the CRM support records or updates into a format readable by the ALM platform, and store the reformatted CRM support record or updates in the ALM platform. The system may retrieve ALM development requests, discussions, and attachments; reformat the ALM development requests, discussions, or attachments into a format readable by the CRM platform; and store the reformatted ALM development requests, discussions, or attachments in the CRM platform.

Abstract: A system and method for the redemption of reward points for cryptocurrency is disclosed. The system may allow transaction account holders to redeem earned reward points for a selected cryptocurrency. The transaction account holders may establish a blockchain wallet to maintain and track the cryptocurrency. The system may interact with an exchange API of a cryptocurrency exchange platform to purchase the cryptocurrency for a blockchain wallet address associated with the blockchain wallet, or to initiate a transfer of pre-purchased cryptocurrency to the blockchain wallet. The system may provide additional authentication measures to ensure that the transaction is initiated by the transaction account holder and that the transaction account holder understands the potential risks of investing in cryptocurrencies.

Abstract: The system may be configured to perform operations including determining a standard game point conversion rate between a first reward point value associated with a first reward point and a standard game point value associated with a standard game point, wherein the first reward point is redeemable with a first business and the standard game point is redeemable with a first game merchant; receiving a request from a consumer profile to exchange a first reward point amount for a first standard game point amount; retrieving the first reward point amount from the consumer profile; calculating the first standard game point amount equal to the first reward point amount based on the standard game point conversion rate; generating the first standard game point amount; associating the first standard game point amount with a game user profile; and/or storing the first standard game point amount in the game currency platform.

Abstract: A system for instant qualification cross channel offer targeting is disclosed. The system may receive a plurality of personally identifiable information (PII) elements from at least one of a customer device or an affiliate system. The system may determine a credit authorization state in response to the PII element. The system may receive a first request to generate an offer from at least one of the customer device or the affiliate system. The system may generate the offer in response to an offer optimization model, the credit authorization state, and the first request to generate an offer. The system may hash the plurality of PII elements and determine a unique hash based on the plurality of PII elements. The system may associate the unique hash to the offer and store the offer as offer data.

Abstract: A system may receive a first message transmitted over a network from a first device. A first invitation to join a text-based communication channel may be transmitted to the first device in response to the first message. A second invitation may be transmitted to a second device to join the text-based communication channel with the server configured to retain context of the text-based communication channel. The system may receive a second message transmitted from the second device and may transmit a third invitation to the first device to join the text-based communication channel in response to the second message.

Abstract: The systems may include superimposing a canvas layer having a pixel system over the digital map; aligning the coordinate system of the digital map with the pixel system of the canvas layer; obtaining a location coordinate of the coordinate system to each site of interest of a plurality of sites of interest, wherein the location coordinate is associated with a location of the site of interest on the digital map; associating the location coordinate for the site of interest with a pixel in the pixel system; and creating a marker on the canvas layer on the pixel associated with the location coordinate for the site of interest.

Abstract: A connectivity contextual services ecosystem management system may comprise a connectivity contextual services connectivity system, one or more user devices, and one or more merchant devices. The connectivity contextual services connectivity system may deliver different connectivity contextual services to a user device and/or a merchant device in response to a context environment, in order to provide a user with a customized experience, such as allowing that user to enter into conversations with merchants, view inventory of merchants, and search for merchants with relevant products without entering a physical store.

Abstract: A method is provided comprising receiving, at a first node, transactional data associated with a consumer (wherein the first node comprises a processor and a tangible, non-transitory memory), receiving, at the first node, a credit approval request associated with the consumer, wherein the credit approval request is associated with a proposed transaction, determining, by the first node, whether the transactional data conforms with the proposed transaction, and at least one of approving and denying the credit approval request in response to the determination.

Abstract: A data enrichment environment using blockchain is disclosed. A client may interact with the data enrichment environment to generate an enrichment smart contract and deploy the enrichment smart contract to the blockchain. The enrichment smart contract may comprise data indicating the enrichment inquiry. One or more solvers may interact with the data enrichment environment to submit proposed enrichment solutions based on the enrichment inquiry. One or more observers may interact with the data enrichment environment to review and vote on the proposed enrichment solutions. The data enrichment environment may evaluate the proposed enrichment solutions based on contract conditions.

Abstract: A system may retrieve a pattern from a pattern database with the pattern identifying a type of sensitive data. The system may also retrieve data identified by a variable from a big data management system. The system may then match the data to the pattern to detect the type of sensitive data in the data. An output may be generated in response to the data matching the pattern. A variable access permission may be retrieved for the variable from a permissions repository, a sensitive data permission may be retrieved for the type of sensitive data from the permissions repository, and the variable access permission may be compared to the sensitive data permission to detect a discrepancy.

Abstract: The system facilitates the transmission of account numbers between transaction account issuers, merchants, and consumers. A transaction account issuer may transmit a portion of an account number to a merchant. A consumer may transmit the remainder of the account number to the merchant. The merchant may combine the portion of the account number received from the transaction account issuer and the remainder received from the consumer. The transaction account issuer may transmit the full account number to the merchant in a usable format. The merchant may transmit an authorization request for a transaction to the transaction account issuer including the full account number.

Abstract: A contextual services delivery system may comprise a services repository containing services instructions and a contextual services delivery module. The contextual services delivery module may deliver different contextual services to a smartphone and/or a POS terminal in response to a context environment, in order to provide a user with a customized contextual services experience.