Abstract: A transaction card includes a card body that may comprise a ceramic material, the card body including a primary surface and a secondary surface, a laser marked feature disposed on the card body and a laser etched feature disposed on the card body. A method of making a transaction card may comprise forming a ceramic material slurry comprising a ceramic material and a binder, forming a green body from the ceramic material slurry, firing the green body at a firing temperature to create a fired ceramic body, grinding the fired ceramic body into a card body, and polishing a primary surface of the card body.

Abstract: A method includes receiving a message comprising a user identification code via a social media messaging channel. In addition, the method includes receiving geo-location information of the device transmitting the message. The method also includes verifying the user identification code by confirming that the geo-location information complies with stored expected geo-location information. The method also includes accessing data associated with a transaction account linked to the user identification code based on the content of the message. The method further includes transmitting a reply to the received message on the social media messaging channel.

Abstract: Systems and methods for validating partner files using local partner entity system resources are disclosed. The partner files may comprise profile files, daily files, or cycle files. The partner files may be validated locally on a partner entity system by invoking a validation engine. The validation engine may be configured to perform format validations and data validations on the partner files, and/or on individual data elements of each partner file. In response to determining a validation error in either the format validation or the data validation, the validation engine may generate a validation report comprising data regarding the validation error.

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: 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: A data deletion system may trigger and orchestrate data deletion of data across various data stores. The system may schedule a record having a unique identifier for deletion in response to a data deletion rule. The record may be deleted from a system of record based on the unique identifier. The system may broadcast a deletion message containing the unique identifier. The deletion message may trigger a purge of data associated with the unique identifier by a subscribing entity such as, for example, an application or third party. The system may monitor the subscribing entity to determine whether the purge was successfully completed.

Abstract: The system may be configured to perform operations including receiving a transaction history comprising transaction information associated with a plurality of transactions for an entity; analyzing transaction information associated with a transaction of the plurality of transactions; and detecting a leakage event associated with the transaction. Detecting the leakage event may comprise determining a payment method for the transaction in response to the analyzing the transaction information; and comparing the payment method to a desired payment method, wherein the leakage event is detected in response to the payment method differing from the desired payment method.

Abstract: A user may capture an image of a document using a mobile device. The mobile device may crop and clean the image. The mobile device may perform optical character recognition on the image and output a character string. The mobile device may match portions of the character string with stored records and determine a likelihood that the stored record corresponds to the image. The mobile device may display potential matches for the image, and the user may select the record which matches the image.

Abstract: A system for generating product-merchant data links is disclosed. The system may receive a request to generate a product-merchant data linkage. The system may receive a raw data set comprising unlinked records and may sort the raw data set into spend data and non-spend data. The system may generate the product-merchant data linkage based on a matching logic and the spend data. The system may construct a linked data set wherein the unlinked records are linked on the basis of the product-merchant data linkage.

Abstract: A method for progressively launching a website is disclosed. A production phase website may be launched or made available to a limited number of consumers. In addition, the performance of the production phase website may be evaluated based upon a comparison of the performance of the production phase website to a performance of the predecessor website. Further, the predecessor website may be replaced with the production phase website.

Abstract: A messaging balancing and control (B&C) system is disclosed. The system configured to handle message transfers having different message exchange patterns, including: in-only exchange patterns, out-only exchange patterns, in-optional-out exchange patterns, out-optional-in exchange patterns, robust in-only exchange patterns, and robust out-only exchange patterns. The system may write a message transfer confirmation in response to a message transfer between a consumer system and a provider system, with the confirmation including at least a first hash of the message. The system may also write a message acknowledgement to the blockchain with the acknowledgement including at least a second hash of the message. The blockchain may execute a smart contract to compare the first hash of the message to the second hash of the message to identify an out-of-balance message transfer event. A monitoring device of the system may read the out-of-balance message transfer event from the blockchain.

Abstract: A transaction account issuer may obtain receive an application for a transaction account which includes a department of defense identification code. The transaction account issuer may verify the DOD ID number with the DOD. The transaction account issuer may embed the DOD ID number in a transaction instrument which is issued to the consumer. The consumer may use the transaction instrument at a DOD point of sale located at a DOD facility. The DOD point of sale may verify with the DOD that the DOD ID number in the transaction instrument is valid. The DOD may notify the transaction account issuer that the DOD ID number is valid. The transaction account issuer may approve transactions which may have otherwise been denied.

Abstract: A master database server may store policy tables which are replicated to SQL databases on a periodic schedule. A master server may receive a privileged command request from a user. The master server may query the SQL database to determine whether the user is authorized to execute the command request. The master server may determine whether the user is a member of a privileged request command (“PRC”) group, whether the PRC group has access to the master server, and whether the PRC group has permission to execute the command request.

Abstract: A procurement system and process using blockchain is disclosed. The procurement system may facilitate procurement reconciliation between procurement initiators, clients, suppliers, and/or transaction processors, using blockchain. Each party may comprise a blockchain node configured to interact with a procurement blockchain. The procurement process may be controlled by a billing smart contract and a client smart contract configured to enforce data workflows and establish trust between the parties.

Abstract: A system for integrating blockchain-enabled shared datasets across databases having varying formats and structures is disclosed. The system may include various entity systems in communication via a peer-to-peer network. A first entity system may receive a dataset update request to update the shared dataset. The first entity system may broadcast the dataset update request across the network, and one or more entity systems connected to the network may consent to the dataset update request. The consenting entity systems may broadcast the consented dataset update request to the other entity systems connected to the network. Each entity system may update its local copy of the shared dataset with the consented dataset update request. Each entity system may comprise a mapping module configured to reformat the consented dataset update request into a format that can be stored in a local data structure.

Abstract: A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to receiving, by an application of a transaction account holder web client, a first passively pushed message, in response to a declined first attempt of a transaction request transmitting, by the transaction account holder web client, a response to the first passively pushed message; receiving, by an application of the transaction account holder web client, a second passively pushed message, in response to the response to the first passively pushed message meeting pre-established criteria; and transmitting, by the transaction account holder web client, a second attempt of the transaction request, wherein the second attempt is authorized.

Abstract: The system may be configured to perform operations including receiving a transaction message based on a marker associated with the transaction message; applying a processing module to the transaction message, wherein the processing module is comprised in the processing machine; accessing processing information in the memory in order to execute the processing module; and processing the transaction message by executing the processing module on the transaction message. The transaction message may have been separated from an input file and may represent a transaction between a merchant and a consumer. The marker may represent a transaction characteristic of the transaction message.

Abstract: An advertisement distribution system, method, and computer readable medium (collectively, the “System”) is provided. The System may request posts containing a subject tag from social media operators. The posts may be made by merchants having a relationship with the System. The System may filter the posts based on filters, geographic data, and member preferences. The System may distribute the posts to members having a relationship with the System.

Abstract: Systems and methods for transactions using remote EMV payment applications are disclosed. The system may enable EMV transactions to be completed using EMV payment applications stored in a remote server. The remote EMV payment application may directly communicate EMV transaction data to the issuer system to complete transactions. The system may receive a transaction request comprising a payment token and an EMV payment application uniform resource identifier (“URI”). The system may invoke from a payment application server a remote EMV payment application based on the EMV payment application URI, wherein in response to being invoked, the remote EMV payment application is configured to interact with a merchant system kernel to process the transaction request, and wherein in response to processing the transaction request the remote EMV payment application is configured to transmit a transaction authorization request comprising EMV transaction data directly to the issuer system.

Abstract: A system and method may allow for improved accuracy for name matching. The system may receive a name input and preprocess the name input. The name input may be tokenized to create a name token. The name token may be compared to a stored name. The system may calculate a first name matching score based on the comparison. The system may permute the name token to form a second level permutation name, compare the second level permutation name with the stored name, and calculate a second name matching score based on the comparison. The first name matching score may be compared with the second name matching score to improve accuracy in name matching.