Abstract: The present disclosure includes a method comprising encrypting sensitive data, generating a token comprising a data identifier, tokenizing the encrypted sensitive data, and/or storing the encrypted sensitive data in association with the token to a token vault. Tokenizing may comprise mapping the encrypted sensitive data to the token. The method may further comprise storing the token to a cloud application, wherein the cloud application comprises a software application that functions within a cloud computing environment.

Abstract: A system for accessing a system with a touch sensitive interface is provided. The system may be configured for determining a first location and first touch pressure of the first input, determining a second location and a second touch pressure of the second input, and a first time between the first input and the second input. The system may also comprise determining a third location and a third touch pressure of the third input, and a second time between the second input and the third input. The system may further comprise determining a total time for the inputs and comparing the inputs to a unique touch pattern.

Abstract: A system is disclosed for allowing a merchant to create offers for distribution via multiple distribution channels. The distribution channels may include social media networks and location based services. The method may include receiving offer parameters for generating the offer, generating offer data based on the offer parameters and merchant transaction data, and determining data subsets of the offer data for distribution through multiple electronic distribution channels. The systems and methods may include associating a transaction account of the account holder with the offer, monitoring a transaction of the transaction account, comparing with a criterion governing the offer, and generating a report for the merchant. The report may include various metrics of the offer, such as return on investment, tracking information on the number of repeat customers and new customers during an offer period, and may occur approximately real-time with the transaction.

Abstract: The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

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 is disclosed for allowing a merchant to create offers for distribution via multiple distribution channels. The distribution channels may include social media networks and location based services. The method may include receiving offer parameters for generating the offer, generating offer data based on the offer parameters and merchant transaction data, and determining data subsets of the offer data for distribution through multiple electronic distribution channels. The systems and methods may include associating a transaction account of the account holder with the offer, monitoring a transaction of the transaction account, comparing with a criterion governing the offer, and generating a report for the merchant. The report may include various metrics of the offer, such as return on investment, tracking information on the number of repeat customers and new customers during an offer period, and may occur approximately real-time with the transaction.

Abstract: The present disclosure identifies and/or delivers tailored content based upon a service dialog. For example, the systems may receive a request for tailored content, facilitate a service dialog to obtain information related to the request, and communicate a plurality of tailored content based upon the information related to the request. Further, the systems may identify tailored content based upon a consumer profile, communicate the tailored content to a web client, and/or receive a selection of the tailored content. Further still, the systems may modify a magazine (e.g., content that is presented electronically) based upon tailored content.

Abstract: This disclosure relates to improving the efficiency and quality of real-time extracting, transforming, and/or loading data using customer information control system (CICS) interval control element (ICE) chain processing.

Abstract: Customer online data is collected via script on customer computers and is communicated to a server hosted by an organization, such as a card issuer. The customer online data communicated to the server is non-personally identifiable information (non-PII). In turn, the server aggregates the non-PII customer online data from the set of participating merchants. The server associates the received non-PII customer online data with non-PII demographic data. Other non-PII transaction data, such as previous transactions processed at a card issuer, also can be associated with the non-PII customer online data and non-PII demographic data. These associations are, in turn, used to create reports and to provide services to help merchants or other requesting organizations develop online strategies to drive click thru and conversion rates.

Abstract: The present disclosure identifies and/or delivers tailored content based upon a service dialog. For example, the systems may receive a request for tailored content, facilitate a service dialog to obtain information related to the request, and communicate a plurality of tailored content based upon the information related to the request. Further, the systems may identify tailored content based upon a consumer profile, communicate the tailored content to a web client, and/or receive a selection of the tailored content. Further still, the systems may modify a magazine (e.g., content that is presented electronically) based upon tailored content.

Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant.

Abstract: A semantic tagging method may add context to a sentence in order to increase search efficiency. Regardless of an author's writing style, translating semantic concepts into tags may increase search efficiency. Automatic semantic tagging of documents may allow semantic search and reasoning. Text for semantic tagging may include an email, a website chat room, an internet forum, or a text message. Additional texts may include aggregating general consensus of an emailed topic across multiple emails, whether in the same email chain or separate emails. To increase search efficiency, the analysis of prior communications within the body of text may comprise analyzing structured contextual information to facilitate with homophora resolution. The structured contextual information may include at least one of a sender email address, one or more recipient email addresses, a subject field, a message date and time stamp, and an attachment title.

Abstract: The system provides location based coupon-less offers based upon a location of a card member (CM). A location of a CM may be determined based upon one or more of a travel itinerary, a GPS signal, a proximity of a mobile communication device to a cellular base station, and/or a zip code. An offer from a merchant registered to provide coupon-less offers may be transmitted to a mobile communication device based upon the location. An offer, once accepted by a CM, may be matched to a record of charge associated with a transaction account held by the CM. A credit may be applied to the CM's transaction account and a debit may be applied to a transaction account of the registered merchant. One or more offer categories and/or one or more offer category classes may be transmitted to the mobile communication device based upon the CM's location.

Abstract: The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

Abstract: A transaction account provider may obtain travel information from a customer transaction. The travel information may include the date and destination of travel. An email service provider may transmit an email to the customer with an offer related to the date and destination of travel. In response to the customer opening the email, the email may be updated with current information regarding the offer.

Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

Abstract: The present disclosure improves upon existing systems and methods by providing a tool for managing processing resources. For instance, the presently described tool may be used to time replacement, plan for uplifts, budget for uplifts/decommissioning of hardware, and/or maintain a plurality of servers. This tool may lead to increased satisfaction, uptime, and a reduction of unexpected costs. The system may include initiating collection of variables to compile a prioritized list of servers, executing, a calculation application for determining a prioritized list of servers' end of life targets based on both technical and business parameters based on the entered variables, and prioritizing uplifts of the servers based on the technical and the business parameters.

Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. If the purchase qualifies for a rebate credit, the registered card processor provides the rebate credit to an account of the enrolled card member customer. The registered card processor also provides for electronic notification of rewards offers or credit to prepaid cards, in response to purchases conforming to a specific set of merchant criteria. The system provides a coupon-less way for merchants to provide incentive discounts and/or credits to enrolled customers, along with notifying customers of other available incentive offers.

Abstract: The system may comprise receiving a data element, and receiving an encryption key and an associated encryption key identifier from an encryption keystore database. The system may further comprise transmitting the data element to an encryption module for encryption using the encryption key to form an encrypted data element. The system may also comprise receiving the encrypted data element from the encryption module and concatenating the encryption key identifier with the encrypted data element to form a protected data field entry.

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.