Abstract: Systems, methods, and articles of manufacture for evaluating colliding data records are provided. The system may ingest one or more data inputs from one or more data sources. The system may parse the data inputs and determine whether the data is preexisting in the system. In response to the data input and stored data at least partially conflicting (e.g., colliding), the system may generate a candidate dataset based on the data input and the stored data. The candidate dataset may comprise two or more data candidates comprising permutations of the data values in the data input and the stored data. The system may evaluate each data candidate, score each date candidate based on the evaluation, and determine the data candidate having the greatest score.

Abstract: Systems and methods for the calculation of a dynamic trust score are disclosed. The dynamic trust score may indicate a likelihood that the consumer will complete the transaction in a positive manner. The system may calculate the dynamic trust score based on various static and dynamic variables including digital identity data, internal data, third-party data, private data, and/or data from the transaction initiated by the consumer.

Abstract: A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web acceleration server identifies enhanced authorization data associated with the transaction. The web acceleration server creates a pseudo authorization message. The web acceleration server transmits the pseudo authorization message to a transaction account issuer. The merchant server transmits an authorization request to the transaction account issuer. The transaction account issuer determines that the authorization request and the pseudo authorization message are associated with the same transaction. The transaction account issuer merges the authorization request and the pseudo authorization message and performs a fraud analysis. The transaction account issuer transmits an authorization response to the merchant.

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 systems may include receiving, by a processor, transaction information for a transaction, wherein the transaction information comprises a transaction amount; matching, by the processor, the transaction information with a transaction type; retrieving, by the processor, a plurality of possible charge types associated with the transaction type; comparing, by the processor, the transaction information with the plurality of possible charge types; separating, by the processor, the transaction amount of the transaction information into at least one individual charge amount; and/or identifying, by the processor, a charge type of the plurality of possible charge types associated with the at least one individual charge amount.

Abstract: The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM.

Abstract: A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.

Abstract: Systems and methods for the automated execution of batch job workflows are provided. The system may generate a batch job workflow having one or more jobs with each job having one or more tasks. The system may retrieve scheduler data corresponding to each task and indicating job dependencies, task dependencies, and technology wrappers needed to execute each task. The system may generate a task schedule based on the scheduler data. The system may execute each task in accordance with the scheduler data by transmitting each task to a wrapper environment to invoke a technology wrapper. The technology wrapper may enable each task to be executed across systems of varying technologies.

Abstract: A distributed file system may store a plurality of entity attributes. A node linking system may identify similarities between entity attributes for different entities. The node linking system may generate an entity graph which displays relationships and similarities between entities in a graphical user interface.

Abstract: Systems and methods for processing payment transfers are disclosed. The system may allow senders to remit payments to receivers. The system may receive a payment request. The system may execute a payment risk analysis on the payment request to determine a risk assessment. Based on the risk assessment, the system may invoke a payment processor to complete the payment request. The payment processor may transmit a debit pull to a sender bank. In response to receiving the debit pull the sender bank may debit the payment amount from a sender account from the sender data. The payment processor may transmit a credit push to a receiver bank. In response to receiving the credit push the receiver bank may credit the payment amount to a receiver account from the receiver data.

Abstract: A system for an integrated voice and data communications environment is disclosed. The system may receive a voice call and assign the voice call to a first communications environment. The system may store call related data from the first communications environment. The system may receive a request for communications transfer and transfer the voice call from the first communications environment to a second communications environment in response to the request. The system may pass the call related data from the first communications environment to the second communications environment.

Abstract: Systems and methods for optimizing user task schedules in a customer relationship management (CRM) platform is disclosed. The system may optimally input tasks into time slots in a user schedule to generate the optimized user task schedule. The system may generate a plurality of user task schedules and calculate a total task win probability for each of the user task schedules. The system may comprise the total task win probabilities and select the user task schedule having the greatest total task win probability. The system may also perform a genetic processing analysis of the user task schedules to further optimize task placement in the user task schedule.

Abstract: The systems may include receiving a token request for a transaction from a merchant, the token request comprising a consumer identifier associated with a consumer and a merchant identifier (MID) associated with the merchant, matching the MID with a token requestor identifier (TRID) assigned to the merchant, matching the consumer identifier with an account identifier associated with a transaction account of the consumer, generating a digital token comprising the TRID and the account identifier, and transmitting the digital token to the merchant.

Abstract: A system for conducting transactions without a debit card or credit card may receive a request to complete a transaction including authentication data associated with a transaction account and a captured biometric template. The transaction request may lack information contained on a typical debit card or credit card. The system may identify the transaction account using the authentication data associated with the transaction account. The transaction account may be associated with a stored biometric template stored in a biometric data store. The system may also compare the stored biometric template with the captured biometric template. In response to the stored biometric template conflicting with the captured biometric template, the system may decline the transaction.

Abstract: Systems and methods for messaging balancing and control are disclosed. The system may retrieve aggregated message events from a first time window based on a balancing schedule. Each message event in the aggregated message events may include a timestamp. The timestamp may be within a time period assigned to the first time window. The system may execute an aggregated balancing operation on the aggregated message events. In response to determining in the aggregated balancing operation that the aggregated message events are out-of-balance, the system may execute an event balancing operation on the message events.

Abstract: The system may transmit a signal originating from a BLUETOOTH low energy (“BLE”) beacon at a merchant location. The signal may include a first identifier associated with the merchant location and a merchant device. A customer device may receive the signal within a predetermined distance of the BLE beacon. The system may receive a transmission sent by the customer device in response to the signal from the BLE beacon. The transmission may include a second identifier associated with the user. The system may identify the user associated with the customer device based on the second identifier. The user may be at the merchant location.

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: 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: Systems and methods for automated data extraction and adaptation are disclosed. The system may receive a data input from an external source using various different input channels. The system may determine a data quality of the data input by comparing data fields of the data input to known metadata in the system. The system may reformat the data input based on the comparison to a format consumable by downstream applications and services. The system may apply various machine learning operations on the data input including a descriptive analytics analysis, a predictive learning analysis, and/or a prescriptive intelligence analysis.

Abstract: An adaptable network security system includes trust mediator agents that are coupled to each network component. Trust mediator agents continuously detect changes in the security characteristics of the network and communicate the detected security characteristics to a trust mediator. Based on the security characteristics received from the trust mediator agents, the trust mediator adjusts security safeguards to maintain an acceptable level of security. Trust mediator also uses predetermined rules in determining whether to adjust security safeguards. Despite inevitable changes in security characteristics, an acceptable level of security and efficient network operation are achieved without subjecting users of the network to over burdensome security safeguards.