Abstract: The systems and methods herein may include receiving a plurality of transactions for a plurality of consumers, wherein each respective transaction of the plurality of transactions is between a consumer of the plurality of consumers and a merchant of a plurality of merchants; automatically inputting the plurality of transactions into a neural network; automatically analyzing the plurality of transactions over a plurality of iterations, wherein an iteration of the plurality of iterations comprises cycling through a consumer transaction history associated with the consumer, wherein the consumer transaction history has a consumer transaction sequence associated with the consumer; and automatically updating over the plurality of iterations, a previous fraud detection variable associated with the consumer and/or the merchant to generate updated fraud detection variables, in response to the analyzing the plurality of transactions.

Abstract: A system may store a plurality of first records comprising a first variable in a first data storage format. The system may also store a plurality of second records comprising a second variable in a second data storage format. The first data storage format may have a different data structure than the second data storage format. The system may then generate a catalog including a first location of the first variable and a second location of the second variable. The first location identifies the first data storage format, which is where the first variable is stored. The second location identifies the second data storage format, which is where the second variable is stored. The system may then receive a request to access at least one of the first variable or the second variable and access the first variable and/or the second variable in response to the request.

Abstract: Systems and methods for auditing business controls are disclosed. The system may receive or retrieve data from one or more data sources corresponding to a business control. The system may perform a direct analytic control test (ACT) or an indirect ACT on the data. The system may compare a direct ACT result or an indirect ACT result to an ACT threshold. The ACT threshold may comprise separate direct ACT thresholds and indirect ACT thresholds. Based on the comparison, the system may determine an operating effectiveness of the business control.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A lightning KNN host may comprise various modules and engines as discussed herein wherein lookalike records may be identified whereby the speed of the lightning KNN network may be enhanced and the accuracy and precision of results improved whereby the transaction network more properly functions according to approved parameters.

Abstract: A system may receive a request for access to a first variable. The request may include a requested action and a variable identifier for the first variable. The request may also have a syntax that is incompatible with first data storage format. The system may parse the request to capture the variable identifier from the request. The system may also look up a location of the first variable in a catalog using the variable identifier. The location of the first variable may include the first data storage format. The system may generate a query to access the first variable. The syntax of the query may be compatible with the first data storage format. The system may then submit the query to access the first data storage format. The query may be configured to complete the requested action.

Abstract: A system for data comparison is disclosed. The system may receive a source configuration metadata. The system may configure a data extraction module to extract data from a data set in response to the source configuration metadata. The system may generate a pre-work data from the data set. The system may compare the pre-work data to generate a post-process data set. The system may generate a report corresponding to the post-process data set.

Abstract: A system for generating graphical relationship maps is disclosed. The system may receive a search request. The system may generate a relationship map data based on linked data elements of at least one of a structured data set, an unstructured data set, and a hybrid data set comprising structured and unstructured data. The system may display a graphical relationship map including an entity type icon based on the relationship map data and the search request.

Abstract: A secure mobile financial transaction is provided by receiving, over a communication network, a list of protection mechanisms available for implementation by an external terminal. Security-related data is received from one or more sensors and an attack signature is computed based on the security-related data. An appropriate security policy is selected from multiple security policies stored in a database based on the list of protection mechanisms and the attack signature. A secure communication session is established between the external terminal and an internal network component according to the selected security policy. A data message associated with a mobile financial transaction is communicated over the communication network during the communication session.

Abstract: A system for generating and delivering custom data sets in a big data environment may receive a preselected schema that identifies a plurality of columns from a plurality of data sources for inclusion in an output data file. The system reads data from the data sources to generate a data file containing a big data table. The system monitors the plurality of data sources to detect that the data sources have been ingested into a data storage system. The data file is read and a column is filtered from the data file to generate the output data file in response to the preselected schema excluding the column. The output data file is transferred to a client device.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

Abstract: A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. The consumer may select requestees with whom to split the transaction. The transaction account issuer may transmit notifications to requestees to request payment from the requestees. The transaction account issuer may transfer the payment from a transaction account of the requestee to the consumer's transaction account.

Abstract: The method includes receiving event information for a plurality of events from a plurality of data sources; normalizing the event information for each event of the plurality of events into a desired format by at least one of changing a field name of the event information or transforming at least one value in the event information into a recognized value; enriching the event information for each event of the plurality of events by adding additional data points associated with the event information to the event information; and/or transmitting the event information to a data recipient.

Abstract: The method of processing an analysis cycle to determine interest merchants may include selecting a seed merchant relevant to a topic interest, identifying consumers that have completed a transaction with the seed merchant to generate a list of identified consumers, determining merchants visited by the identified consumers, scoring all the merchants based on network connectivity, activity, and merchant over-index, updating the seed merchant in response to the list of scored merchants relative to a scoring threshold, and scoring the list of identified consumers based on the number of distinct merchants in transaction and over-indexing. Additionally, the method may further comprise producing a list of updated interest merchants and a list of updated identified consumers, where the updated interest merchants and the updated identified consumers are relevant to the topic interest.

Abstract: The disclosure includes a transaction card comprising a card body having a slot. A first portion of the slot is formed at a first angle, and a third portion of the slot is formed at a third angle. A card body may be fabricated by positioning the card body at a first angle with respect to a cutter, creating a first portion of a slot at the first angle by at least one of translating the card body across the cutter or translating the cutter across the card body, stopping the translating of the card body, rotating the card body to a third angle to create a second portion of the slot; and creating a third portion of the slot at the third angle by at least one of translating the card body across the cutter or translating the cutter across the card body.

Abstract: Systems and methods for motion-enabled transactions are disclosed. The system may allow users to complete transactions with merchants via an air sign input. The system may receive a motion-enabled transaction request comprising an air sign input. The system may determine a stored air sign symbol based on the air sign input. The system may retrieve a merchant identifier, a transaction type, and a transaction cost based on the determined stored air sign symbol. The system may transmit a transaction confirmation comprising the merchant identifier, the transaction type, and the transaction cost. In response to the user confirming the transaction confirmation, the system may authorize and process the transaction.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A transaction network host may comprise various modules and engines as discussed herein wherein the probability that a transaction is a business or personal transaction may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes. For instance, a probable personal transaction may be identified as being associated with a business-oriented transaction card, whereby the transaction network may tailor the handling of the transaction, such as by denying it, whereby the transaction network may actively deter misuse of transaction products whereby the transaction network more properly functions according to approved parameters.

Abstract: Systems and methods for presenting a personalized value added offer during an advanced verification process are provided. An access control server may receive an enrollment verification request comprising data relating to an account holder. The server may determine an enrollment status of the account holder and determine a value added offer based on the account holder. The server may display an advanced verification interface for user input. The advanced verification interface may include the value added offer and/or a security credential prompt. The server may personalize the advanced verification interface and/or the value added offer based on monitoring the system and compiling historical transaction data.

Abstract: Systems and methods for automated travel itinerary management are disclosed. The system may generate an automated itinerary based on travel-related transactions from a user's transaction account. The system may update the automated itinerary as additional travel-related transactions are completed. The system may also include travel data from travel systems, concierge systems, and manual input in the automated itinerary.

Abstract: A consumer may enter a physical merchant location. A reverse bidding system determines a confidence score that the consumer will make a non-fraudulent purchase of a product. The reverse bidding system performs an online price comparison. The reverse bidding system may transmit an offer to the consumer to purchase the product at the physical merchant location for a discounted price.