Abstract: A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Abstract: A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Abstract: A system, method, and article of manufacture for generating a digital pass is disclosed. The method may comprise retrieving a plurality of identity attributes, and grouping a subset of identity attributes in the plurality of identity attributes to generate at least one digital pass. The method may further comprise grouping a subset of static identity attributes and a subset of dynamic identity attributes to generate a digital pass.

Abstract: In a business where a database tracks customers and manages customer accounts, a method and system correctly link accounts with customers. The method entails reading customer information for a first customer and for a second customer, and then utilizing personal identification information obtained from other sources to determine if the first customer is the same as the second customer. If the first customer and the second customer are the same person, the first customer and the second customer are identified as being the same unique person. Accounts associated with the two customers are identified as belonging to the same unique person. Viewed another way, the method and system of the present invention takes an existing database of personal identification information, and cross-references that database against other sources of personal identification information to identify persons who appear to be separate persons, but who are actually one and the same individual.

Abstract: A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

Abstract: Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. The outputs can be used as attributes to consider in developing a credit bureau scorecard.

Abstract: A product level discount is managed during a transaction by receiving a transaction identifier associated with a transaction, where the transaction identifier comprises a transaction value, a customer account identifier, a merchant identifier, and a product identifier. A product identifier is assessed to determine whether the transaction qualifies for a rebate credit in accordance with a predetermined offer. A rebate credit value is based on the transaction information and the predetermined offer, and qualification may be determined based on at least one of the customer account identifier and the merchant identifier. The product identifier could be a SKU code, which may be the basis for qualifying for the rebate credit. A merchant associated with the merchant identifier, which is part of the transaction, does not need to be informed of the application of the rebate credit to the customer account, which occurs after completion of the transaction.

Abstract: A product level discount is managed during a transaction by receiving a transaction identifier associated with a transaction, where the transaction identifier comprises a transaction value, a customer account identifier, a merchant identifier, and a product identifier. A product identifier is assessed to determine whether the transaction qualifies for a rebate credit in accordance with a predetermined offer. A rebate credit value is based on the transaction information and the predetermined offer, and qualification may be determined based on at least one of the customer account identifier and the merchant identifier. The product identifier could be a SKU code, which may be the basis for qualifying for the rebate credit. A merchant associated with the merchant identifier, which is part of the transaction, does not need to be informed of the application of the rebate credit to the customer account, which occurs after completion of the transaction.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: A system for providing state awareness across communication channels and statefully transitioning a user between a source channel and a destination channel is disclosed. The method may comprise storing a unique identifier associated with the user and data associated with the user, retrieving the data associated with the user based upon the user identifier and in response to the user entering the destination channel that is different from the source channel, and populating the data associated with the user in the destination channel. The destination channel may comprise a display of a customer service representative, and the populating may occur automatically. Furthermore, the method may comprise placing a call to a telephone number associated with the user in response to at least one of: the user answering a requisite number of questions in the source channel and the user requesting a transition to a voice destination channel.

Abstract: Embodiments of the present invention provide a method, system, and computer program product for authorizing a financial transaction. A financial institution can identify financial risk associated with the financial transaction based on product details. The product details are sent to the financial institution by a merchant along with the authorization request. The financial institution, then, notifies the merchant regarding authorization of the financial transaction based on the risk assessment. Finally, the merchant fulfills or terminates the financial transaction based on the notification received regarding authorization request.

Abstract: Computer-executable code is automatically generated for a message flow in a message queuing infrastructure by determining a type of the message flow, inputting message flow parameters, and generating the computer-executable code based on the type of the message flow and the message flow parameters. The generation of code can also implement a design pattern, which is input based on the determined type of message flow. The computer-executable code can be, for example, Extended Structured Query Language (ESQL) code. The type of the message flow can identify, for example, a transformation requirement of the message flow. The transformation requirement can be, for example, one of (i) transformation from a first Extensible Markup Language (XML) message to a second XML message, (ii) transformation from an XML message to a Message Repository Manager (MRM) message, and (iii) transformation from a first MRM message to a second MRM message.

Abstract: The present disclosure facilitates gesture-based interaction with a computer-system. The method may comprise pairing a transaction account with a likeness, receiving the likeness and a transaction request based upon the location of a marker in three dimensional space, retrieving the transaction account paired with the likeness, and approving the transaction request at least partially based upon the transaction account and the likeness.

Abstract: A system and method for fraud prevention is provided. Specifically, an application program interface may be used in concert with an authorization request to process a transaction, to utilize fraud prevention tools. A system, method and/or computer program product for transmitting an authorization request and a request for fraud services to a transaction account issuer is disclosed. The transaction account issuer may combine the authorization request and request for fraud services in order to create an authorization response.

Abstract: The present disclosure facilitates gesture-based interaction with a computer-system. The method may comprise pairing a transaction account with a likeness, receiving the likeness and a transaction request based upon the location of a marker in three dimensional space, retrieving the transaction account paired with the likeness, and approving the transaction request at least partially based upon the transaction account and the likeness.

Abstract: Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spending wallet that is captured by a particular financial company. A modeling approach utilizes various data sources to provide outputs that describe a company's spend capacity. Marketing companies that sell lists compile those lists by searching one or more databases for names and/or businesses that match certain criteria. Those marketing companies can use the CSoW/CSoSW modeling approach to show predicted spend and/or revenues for each company on a list. This makes the list more valuable to list buyers.

Abstract: A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.

Abstract: A regression testing system comprises an automatic test tool configured to capture a first web screen shot and a second web screen shot of a webpage, where the webpage has undergone an update or edit. The regression testing system also comprises a visual comparator configured to identify similar areas in the first web screen shot and the second web screen shot. The visual comparator receives, and compares characteristics of, the web screen shots. Furthermore, the regression testing system generates a report with marked different characteristics between the first and second web screen shots. The regression testing system identifies similar areas in the first and second web screen shots shot even if the similar areas are at different locations within the web screen shots. The comparison performed by the visual comparator includes performing a pixel comparison combined with a marking algorithm to group differences in smaller, related but separate areas.

Abstract: The present disclosure includes a system, method, and article of manufacture for spend based targeting and measurement. The method may comprise transmitting to a third party system a model and/or a measurement file associating a first party cookie ID with a model, and receiving, from the third party system, an updated model (and/or measurement) file associating a third party cookie ID with web-browsing data. The third party cookie ID may anonymously and uniquely correspond to the first party cookie ID, and the first party cookie ID may be stripped from the updated model (and/or measurement) file to de-identify a customer associated with the first party cookie ID. Moreover, the web-browsing data may be received by the third party system from a second party system.

Abstract: Methods for controlling online session inactivity timeouts between a user terminal and a server involves the server polling the user's local terminal to determine whether the user presence at the terminal can be confirmed if there is a period of inactivity within the session. If so, or if the server can otherwise confirm that the terminal is secured from use by other users, then the user session is maintained. Otherwise, the user session is allowed to timeout due to inactivity. The server may issue an alert to the user whenever a timeout is imminent, and may restore any information entered by the user prior to the timeout, if the user later returns and validates his identification.