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 blockchain-based loyalty point distribution system may be configured to provide decentralized loyalty IDs. The decentralized loyalty IDs may allow distribution of loyalty rewards in response to transaction-based events and non-transaction-based events, including behavioral interactions. The system may include a loyalty partner system that receives a rewards event from a customer. The loyalty partner system may determine a loyalty ID associated with the customer, and write the rewards event to the blockchain. A loyalty provider system may receive notification of the rewards event write and distribute the loyalty reward to the customer. The loyalty provider may instruct the loyalty partner to remit payment for the loyalty reward, and may update customer and loyalty partner balances on the blockchain.

Abstract: A system and method are disclosed herein leveraging financial networks standards with mobile device data and secure processing and storage environment knowledge to authenticate a device. For instance, a party to a transaction may utilize these elements of information, not traditionally associated with wireless transactions, to achieve a lower probability of fraud and/or a higher confidence associated with the transaction.

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: The system is configured to monitor and operate a hybrid reward system with a multi-channel point of sale terminal. The system may perform operations including receiving, by a computer based system and via a first connection from a point of sale terminal, reward program information and transaction information in response to a reward program instrument being presented at the point of sale terminal. A transaction authorization request associated with the reward program information may be provided by the point of sale terminal, via a second connection from the point of sale terminal, to a transaction authorization system to authorize a transaction. The transaction may be initiated by a transaction instrument. The reward program instrument is at least one of a transaction instrument and a reward program indicia.

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: Systems for issuing authentication challenges based on fraud initiation requests are provided. The system may calculate a fraud risk level based on a fraud initiating request comprising identity-based data. In response to the fraud risk level indicating a risk of fraud, the system may generate an authentication challenge based on an authentication challenge type and an authentication challenge delivery channel. The system may transmit the authentication challenge and receive back an authentication challenge response. The system may verify the authentication challenge response and generate an authentication outcome based on the verification.

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 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. 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 system provides a coupon-less way for merchants to provide incentive discounts to enrolled customers.

Abstract: The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.

Abstract: At least some embodiments are directed to a computer-based cyber-attack frequency tracking system that determines types and frequencies of cyber-attacks. In at least some embodiments, the method of a cyber-attack frequency tracking system may operate a processor in an enterprise computing environment for automatically conducting a process that comprises receiving, a plurality of data values that represent a plurality of cyber-attacks. Determining cyber-attack types, and then determining the frequency of attempts and contacts with assets. After that determining likelihood values. Aggregating these determinations to produce a quantifiable value of a likelihood values of each of the plurality of cyber-attack types.

Abstract: Disclosed are various approaches for issuing Department of Defense (DoD) transaction accounts and approving payments with the DoD transaction accounts. A first computing device receives a request from a second computing device for a Department of Defense (DoD) transaction account, the request comprising a DoD identifier. The first computing device then verifies the DoD identifier and issues a new DoD transaction account associated with the DoD identifier in response.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a wireless signal from a transaction device, wherein the wireless signal carries emulated track data for payment of a transaction; reading the emulated track data from the wireless signal; generating a transaction payload, wherein the transaction payload contains transaction account data and a dynamically generated digital signature value from the emulated track data of the wireless signal; transmitting the transaction payload to an authorization network server; receiving an authorization instruction from the authorization network server for handling payment of the transaction; and processing the payment of the transaction in accordance with the authorization instruction.

Abstract: At least some embodiments are directed to an exemplary computer-based electronic activity tracking system that detects activity patterns receiving data values that represent at least one electronic activity. The exemplary electronic activity tracking system includes a detector of unsecure electronic activities that identifies electronic activity patterns performed by a user or non-person entity. The detector of unsecure electronic activities utilizes unsupervised machine learning techniques to detect the electronic activity patterns. The detected electronic activity patterns correspond to unsecure or malicious electronic activities. The electronic activity tracking system outputs notifications indicative of identified unsecure or malicious activity patterns and identifies entities associated with such unsecure or malicious activity patterns. The exemplary electronic activity tracking system implements a graphical user interface operated from a client computing device.

Abstract: Systems and methods for the deployment of cloud-based systems using a distributed ledger are disclosed. The system may include a cloud provider system and a distributed ledger. The cloud provider system may be configured to deploy cloud-based systems and APIs to enable one or more participant systems to leverage cloud-based resources. The distributed ledger may record events, functionalities, and operations from the cloud provider system, the participant systems, and the deployed cloud-based systems and APIs.

Abstract: A system for data migration is disclosed. The system may receive a migration request comprising a source file path and a target file location. The system may capture source file metadata based on the source file path and the migration request. The system may transfer a source file from a first data environment to an intermediate data environment via a first transfer process. The system may transfer the source file from the intermediate data environment to a second data environment via a second transfer process.

Abstract: Disclosed are various embodiments for executing entity-specific cryptographic code in a cryptographic coprocessor. In one embodiment, encrypted code implementing a cryptographic algorithm is received from a service via a network. The cryptographic coprocessor decrypts the encrypted code. The cryptographic coprocessor executes the decrypted code to generate a cryptogram including information encrypted using the cryptographic algorithm. The cryptogram is sent to the service via the network.

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: The system is configured to monitor and operate a hybrid reward system with a multi-channel point of sale terminal. The system may perform operations including receiving, by a computer based system and via a first connection from a point of sale terminal, reward program information and transaction information in response to a reward program instrument being presented at the point of sale terminal. A transaction authorization request associated with the reward program information may be provided by the point of sale terminal, via a second connection from the point of sale terminal, to a transaction authorization system to authorize a transaction. The transaction may be initiated by a transaction instrument. The reward program instrument is at least one of a transaction instrument and a reward program indicia.

Abstract: A system may receive a first message transmitted over a network from a first device. A first invitation to join a text-based communication channel may be transmitted to the first device in response to the first message. A second invitation may be transmitted to a second device to join the text-based communication channel with the server configured to retain context of the text-based communication channel. The system may receive a second message transmitted from the second device and may transmit a third invitation to the first device to join the text-based communication channel in response to the second message.

Abstract: At least some embodiments are directed to a dynamic card. The dynamic card transmits a first temporary card identification number to a computing device. The dynamic card is without an internal power source and is powered up by an external power source housed within the computing device. The dynamic card determines an absence of unused encrypted card identification numbers and receives a set of encrypted card identification numbers from a server. The dynamic card decrypts a second temporary card identification number from the encrypted card identification numbers and shows the second temporary card identification number on a display, replacing the first temporary card identification number. The second temporary card identification number remains shown on the display after the power from the external power source is discontinued. The second temporary card identification number can be used in a subsequent interaction with another computing device.