Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.

Abstract: A system, method, and computer-readable medium for challenge-response authentication are provided. A plurality of codes is received over a communication network based on input provided by way of a user interface displaying a plurality of images. An alphanumeric string is generated based on the received plurality of codes and based on a table that associates each one of the plurality of codes with a respective one of the plurality of images and with a respective one of a plurality of alphanumeric characters. A determination is made as to whether to grant authorization based on whether the generated alphanumeric string matches an alphanumeric user identifier stored in a memory device in association with a user.

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: 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 the first data storage format. The query may be configured to complete the requested action.

Abstract: A merchant server may integrate device identifying code into a webpage. In response to a device accessing the webpage, the device identifying code may cause the merchant server to obtain characteristics of the device. A device registry may compare the characteristics of the device with known device profiles to determine a risk level of the device. A transaction account issuer may utilize the risk level in performing an authorization evaluation.

Abstract: The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems are capable of creating reservations for items and initiating payments for the items based on actions or information received from the digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information.

Abstract: A BLUETOOTH low energy mobile payments system may comprise a BLE beacon that is deployed at a merchant location. The BLE beacon may be associated with a specific merchant terminal. The BLE beacon may be configured to broadcast a unique beacon ID that is detectable by a user device. The user device may be configured to communicate the beacon ID to a payment system. In response to receiving the beacon ID, the user device may initiate a payment between a user and a merchant, via a user device and a merchant terminal.

Abstract: The systems and methods of the disclosure allow user from various countries to take advantage of offers when they are traveling internationally. Once the purchase associated with the offer is made, the transaction information may be processed by the system, such that, the credit and debit associated with the purchase are transmitted to the transaction account and the merchant. The transaction information may be further processed to determine whether the particular transaction is eligible for a reward. Where the transaction is eligible for a reward, the credit and debit associated with reward are transmitted to the transaction account and the sponsoring entity. The reward may be provided in any suitable currency or in various currencies based on the parameters governing the reward offer.

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: Systems, methods, and articles of manufacture for expense management are disclosed. A user may submit receipts for one or more transactions into an expense management system. The expense management system may extract information from the receipts and match the extracted information to one or more of a plurality of Records of Charge (ROCs). The expense management system may match the extracted information to a ROC based on vendor name, location, time stamp, and the like. The expense management system may further assign a ROC to an expense category. The expense management system may assign a ROC to an expense category based on a standard industrial classification (SIC) code of a merchant, a category assigned to a different ROC, and a location associated with the ROC. An expense report for all submitted receipts may be generated.

Abstract: A system may receive a request to derive an output variable from a source variable. The request may include proposed logic to derive the output variable from the source variable. The system may then compare the proposed logic to existing logic to determine the proposed logic is new. In response to the proposed logic being new, the system may generate transformation code configured to execute the proposed logic. The system may further schedule the transformation code for execution at a predetermined time, and then execute the transformation code to generate data for the output variable.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.

Abstract: The systems, methods, and computer readable mediums described herein provide a secure method for a transaction account issuer to issue a digital pass to an existing transaction account holder (e.g., an existing user) that may be shared and/or provided to a prospective transaction account holder (e.g., a new user). The digital pass may be sharable from an existing user's user device to a new user's user device. The systems, methods, and computer readable mediums described herein may also employ an adaptive web design solution to increase application completion rates by capturing minimal viable information from a prospective member.

Abstract: A system may read source data corresponding to a source variable and apply a transformation to the source variable to generate an output variable. The transformation may include logic, and the output variable may be configured for ingestion into a big data storage format. The system may record lineage data of the output variable that comprises the transformation and/or the source variable. The system may also receive a request to generate a requested output variable. The requested output variable may be generated from a second transformation that is the same as the first transformation. The system may thus match the first transformation to the second transformation using the lineage data. In response to matching the first transformation to the second transformation, the system may deny the request. The original output variable may be returned in response to the matching the first transformation to the second transformation.

Abstract: An identity and security system may register a user associated with a mobile device and a user identity that comprises characteristics of the user. The system may assign a reputation score and a spend propensity score to the user identity. The system may base the reputation score on a plurality of reputation assessments, and the spend propensity score on a history of transactions and non-transactions by the user. The system may also detect the mobile device at a merchant location, and it may transmit at least one of the reputation score and the spend propensity score to a POS device at the merchant location in response to detecting the mobile device at the merchant location.

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: 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: A system may receive a primary image containing a first set of facial feature data. The primary image may be sent by a facial recognition device for association with a user account. The system may also retrieve a secondary image from a secondary image source. The secondary image may contain a second set of facial feature data. The secondary image may further depict a user associated with the user account. The system may then compare the first set of facial feature data to the second set of facial feature data to determine whether the primary image depicts the user associated with the user account.

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: Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.