Abstract: A system and method for the dynamic scaling of concurrent processing threads are provided. The system may include a scheduler, a master controller, a thread controller, a process invoker, a reprocess validator, and a server cluster comprising various managed servers. The master controller may to generate processing thread messages during an initial processing run. Thereafter, the master controller may dynamically scale the processing thread messages based on process performance data and system performance data.

Abstract: A contextual services delivery system may comprise a services repository containing services instructions and a contextual services delivery module. The contextual services delivery module may deliver different contextual services to a smartphone and/or a POS terminal in response to a context environment, in order to provide a user with a customized contextual services experience.

Abstract: A system may read an input file having an input file size and including a first record and a second record. The first and second record may each have a record length. The system may parse the input file into a first split file and a second split file, with the first split file including the first record and the second split file including the second record. The system may distribute the first split file to a first node to generate a first output file and the second split file to a second node to generate a second output file. Any number of additional split files may be distributed to generate any number output files. The system may combine the output files to generate a converted data file.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices are disclosed. An online purchase autofill plugin includes various modules and engines. The fields of online forms may be identified and the fields of online forms may be automatically filled. The user experience may be improved, and data security enhanced so that the transaction network more properly functions according to approved parameters, such as protecting the integrity of sensitive data.

Abstract: The systems may include dividing a digital map provided by a mapping system into a matrix having a plurality of cells; assigning a cell of the plurality of cells to encompass a geographic region of the digital map; calculating a number of sites of interest in the cell; creating a marker comprising a first count number representing the number of sites of interest in the cell; and sharing the marker with a browser for display on the digital map.

Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.

Abstract: A consumer may enter a physical merchant location. A reverse bidding system determines a confidence score that the consumer will make a non-fraudulent purchase of a product. The reverse bidding system performs an online price comparison. The reverse bidding system may transmit an offer to the consumer to purchase the product at the physical merchant location for a discounted price.

Abstract: A consuming application may transmit a request for customer incentive data to an API proxy. The request may include a request for an existing data value and a derived data value, as well as security credentials indicating the user has permission to obtain the requested data. The API proxy may transmit the request to a customer incentive system, which may retrieve the existing data value and calculate the derived data value in real-time. The requested data may be returned to the consuming application via the API proxy.

Abstract: The systems and methods herein may include receiving a plurality of transactions for a plurality of consumers, wherein each respective transaction of the plurality of transactions is between a consumer of the plurality of consumers and a merchant of a plurality of merchants; automatically inputting the plurality of transactions into a neural network; automatically analyzing the plurality of transactions over a plurality of iterations, wherein an iteration of the plurality of iterations comprises cycling through a consumer transaction history associated with the consumer, wherein the consumer transaction history has a consumer transaction sequence associated with the consumer; and automatically updating over the plurality of iterations, a previous fraud detection variable associated with the consumer and/or the merchant to generate updated fraud detection variables, in response to the analyzing the plurality of transactions.

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 system may receive a transaction request for a transaction using a transaction authorization protocol. The transaction request may include a transaction amount and may also be associated with a transaction account. The system may transmit a request to authenticate a user associated with the transaction account. The request to authenticate uses the transaction authorization protocol. The system may also receive an authentication message using the transaction authorization protocol. The authentication message may comprise authentication metadata that indicates an authentication type and/or an authentication outcome. The authentication type may include biometric authentication techniques.

Abstract: A transaction card includes a card body that may comprise a card body comprising a ceramic material, the card body including a primary surface and a first mating surface. A card backer comprises a metallic material and includes a secondary surface and a second mating surface. A portion of the first mating surface and a portion of the second mating surface are coupled together.

Abstract: A merchant registers a geolocation for a virtual point of sale. A consumer points a consumer device at the geolocation, and an icon representing the virtual point of sale is displayed on the consumer device in augmented reality. The consumer selects the icon to initiate a transaction with a digital wallet on the consumer device.

Abstract: A method and system of using widgets embedded in web pages as virtual storefronts is disclosed. A user of a social networking site may create a merchant account with a transaction service provider. The user embeds a storefront widget provided by the transaction service provider in the user's profile page on the social networking site and the user can use the storefront widget to input information about products that the user is selling. Other users of the social networking site view the user's profile page and the storefront widget will display the products that the user is selling. The other users may interact with the storefront widget to purchase the products that the user is selling.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A lightning KNN host may comprise various modules and engines as discussed herein wherein lookalike records may be identified whereby the speed of the lightning KNN network may be enhanced and the accuracy and precision of results improved whereby the transaction network more properly functions according to approved parameters.

Abstract: A rewards management system is configured to facilitate the redemption of loyalty benefits at a financial institution and apply credits, payments, debits, and/or the like associated with the loyalty benefit to transactions that are characterized by a set of predetermined rules (e.g. an item purchased during a particular transaction, the merchant from whom the transaction originated, the vendor who manufactured the item). The system provides real-time management of the loyalty account so that the loyalty benefit can be used to offset the liability associated with a particular eligible transaction. The system may also be configured to allow a user to satisfy various obligations to the financial institution (e.g. a minimum payment associated with a statement from a transactions account). As such, the system allows the loyalty account provider or the financial institution to provide a customizable rewards program that allows loyalty benefits to be used for any type of transaction.

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 user may apply for an account on an account registration page. The account issuer may receive a phone number of a mobile device used to apply for the account. The account issuer may transmit the phone number to a carrier integration server which may obtain user information from the wireless carrier for the mobile device. The account issuer may autofill fields on the account registration page with the user information. The user may upload a photograph of the user and an identification card. The account issuer may perform facial recognition to verify the identity of the user.

Abstract: A system for applying access permissions to read requests may write a file to a storage media. The file may contain data, an embedded flag, and an embedded verification datum of the embedded flag. The embedded flag may indicate an access permissions requisite for file access. The system may also receive a request to access the file from a user and retrieve an access permission for the user. The system may also compare the embedded flag to the access permission for the user to determine the user has permission to access the file. A verification datum may be calculated, and the calculated verification datum may be compared to the embedded verification datum to determine the embedded flag has not changed.

Abstract: The method for test data management may comprise receiving a test data characteristic; retrieving a master copy data from a master copy database; generating a secondary copy data, wherein the secondary copy data comprises a subset of the master copy data corresponding to the test data characteristic; generating a test copy data, wherein the test copy data is a copy of the secondary copy data; and transmitting the test copy data to a test environment. In this manner, the efficiency and resiliency of the system may be enhanced, and the test copy data may be improved so that the network may function according to approved parameters.