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.

Abstract: Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

Abstract: A mobile device may identify nearby locations, such as locations of a merchant. The mobile device may create local geofences around the nearby locations. The mobile device may create an exit geofence which includes all of the local geofences. In response to the mobile device entering one of the local geofences, the mobile device may provide a notification regarding the location. In response to the mobile device leaving the exit geofence, the mobile device may identify nearby locations based on the new location of the mobile device, and the mobile device may create new local geofences for the current nearby locations, as well as a new exit geofence.

Abstract: A system for artificial intelligent dispute resolution is disclosed. The system may receive a dispute initiation request from a voice input channel. The system may determine user authentication state in response to the dispute initiation request. The system may receive a natural language problem statement from the voice input channel. The system may determine a user intent in response to the natural language problem statement. The system may compare the user intent with a business rules set and determine a dispositioned outcome based on the business rules set and the user intent.

Abstract: Systems and methods for peer-to-peer money transfers are disclosed. The system may allow senders to transmit money transfers to receivers. The system may receive a money transfer request from the sender comprising the designated receiver, a money transfer amount, and a sender transaction account. The system may deduct the money transfer amount from the sender transaction account. The system may generate a receiver transaction account associated with the designated receiver, wherein the receiver transaction account comprises the money transfer amount. The system may provide the receiver access to the receiver transaction account using different channels, including by providing a digital transaction instrument or a physical transaction instrument.

Abstract: A method is provided comprising aggregating, at a first node, transactional data and a transaction identification code associated with a consumer and a transaction, and historical transactional data associated with the consumer to form a transactional profile. The method further comprises calculating, at the first node, a characteristic of the consumer based upon the transactional profile, and determining, at the first node, a business strategy for dealing with the consumer based upon the characteristic.

Abstract: A system and method for the dynamic refactoring of business data object classes is provided. The system may comprise a refactoring engine configured to interact with a business process management (BPM) environment. The refactoring engine may retrieve a business data object from the BPM environment. The business data object may include various object linkages, such as object attachments, object assignments, and a business data object audit history. Based on a second business data object class, the refactoring engine may refactor the business data object and the various object linkages.

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: A system and method of data protection that provides the security of field level data protection with the ease of implementation and transparency of system level data protection at various layers is disclosed. The system utilizes blockchain technology to implement improved data protection. A smart contract application is deployed among all devices covered by the data protection system. Ledgers are similarly deployed either on each device or on dedicated ledger nodes to provide a record of all transactions occurring with the protected data. As a device writes data to a storage medium or initiates transmission of the data over a communication medium, the smart contract intercepts the data and applies a desired protection protocol to the data. As a result, enterprise wide security may be deployed that provides field level encryption without requiring modifications to existing applications or development of custom applications.

Abstract: A system may store a first merchant identifier in response to a registration of a first merchant and a user identifier in response to a registration of a user. The system may also store an access permission to control access by the first merchant to a first context. The access permission may be configured for retrieval by a query including at least one of the user identifier or the first merchant identifier. A user may access the system using a voice personal assistant. The system may authenticate the user based on spoken input to the voice personal assistant. The system may return the first context in response to a first application programming interface (API) call and in response to the access permission authorizing access to the first context. The system may facilitate transactions using a voice personal assistant.

Abstract: A system and method is disclosed for automated remote transactions between a vehicle and a lodging system. The system may enable the vehicle to initiate an automated remote transaction to the lodging system to book an accommodation and complete a remote payment. The lodging system may transmit available accommodations to the vehicle. The vehicle may respond with a booking request comprising an accommodation selection and vehicle identifying data and the lodging system may communicate the vehicle identifying data to a payment network to authorize the remote transaction. In response to authorizing the remote transaction, the lodging system may complete the booking request with the vehicle.

Abstract: The system may be configured to perform operations including receiving a transaction authorization request comprising transaction details; inputting the transaction details into a fraud scoring system comprising a fixed fraud detection model; inputting the transaction details into a neural network comprising an improvable fraud detection model; applying the fixed fraud detection model and the improvable fraud detection model to the transaction details; producing a fraud score in response to applying the fixed fraud detection model to the transaction details and a neural network fraud score in response to applying the improvable fraud detection model to the transaction details; analyzing the fraud score and the neural network fraud score; and/or sending an authorization response in response to analyzing the fraud score and the neural network fraud score.

Abstract: A buyer-centric marketplace using blockchain is disclosed. A buyer may interact with the system to submit a buying request to a marketplace blockchain. One or more sellers may retrieve the buying request, generate seller quotes based on the buying request, and submit the seller quotes to the marketplace blockchain. One or more financial institutions may retrieve the seller quotes, generate financing products based on the seller quotes, and submit the financing products to the marketplace blockchain. The buyer can retrieve and review the seller quotes and the financing products, and select a seller quote and/or a financing product to complete the purchase.

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: A gateway may allow for a cloud-based application to connect to a hierarchical type database. The gateway may identify a connection route between a cloud instance and the hierarchical type database. The gateway may translate a SQL call from the cloud-based application to a DL/I call to access data on the hierarchical type database.

Abstract: A system and method for automated remote payments between a vehicle and a refueling station is disclosed. The system may enable the vehicle to initiate an automated remote payment to the refueling station without needing the user to manually input transaction account information, or to manually prepay for the transaction. The refueling station may detect when the vehicle is in proximity, and the vehicle and the refueling station may open communications to transmit data. The vehicle may transmit vehicle identifying data to the refueling station, and the refueling station may communicate the vehicle identifying data to a payment network to authorize the transaction. In response to authorizing the transaction, the vehicle may proceed with refueling at the refueling station.

Abstract: The systems are generally configured to provide rewards. The systems are capable of syncing transaction accounts with one or more reward programs and one or more channels. Moreover, the systems are capable dynamically provisioning rewards in one or more subsets to a rewards program to distribute high, medium and low value rewards to a reward program throughout the duration of the program.

Abstract: Systems and methods for the automated execution of batch job workflows are provided. The system may generate a batch job workflow having one or more jobs with each job having one or more tasks. The system may retrieve scheduler data corresponding to each task and indicating job dependencies, task dependencies, and technology wrappers needed to execute each task. The system may generate a task schedule based on the scheduler data. The system may execute each task in accordance with the scheduler data by transmitting each task to a wrapper environment to invoke a technology wrapper. The technology wrapper may enable each task to be executed across systems of varying technologies.

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 storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.