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.

Abstract: A system, method, and computer-readable medium for reporting sensor data over a communication network are provided. A data reporting instruction that identifies at least one of a sensor or a data reporting technique is received from a trust mediator over a communication network. The data reporting instruction is based at least in part on an identified risk. Sensor data is obtained from the sensor, and the sensor data is transmitted to the trust mediator over the communication network based on the data reporting technique.

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 consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. The consumer may select requestees with whom to split the transaction. The transaction account issuer may transmit instructions via APIs to peer-to-peer payment systems to request payment from the requestees. The peer-to-peer payment systems may transfer the payment to the transaction account issuer, and the transaction account issuer may apply to payment to the consumer's transaction account.

Abstract: A system for monitoring risk and generating alerts may include an interface to generate KRIs and KPIs. A monitoring station may use the KRIs and KPIs to evaluate data streams for risk. In response to detecting risks based on the KRIs and/or KPIs, the monitoring station may generate an alert. The alert may be assigned to a user account, for example, for the associated user to evaluate and work through resolution activities associated with the alert.

Abstract: The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.

Abstract: A consumer may initiate a transaction using a transaction account. The transaction account issuer may transmit a notification to the consumer that the transaction has been authorized. The consumer may select requestees with whom to split the transaction. The transaction account issuer may transmit notifications to requestees to request payment from the requestees. The transaction account issuer may transfer the payment from a transaction account of the requestee to the consumer's transaction account.

Abstract: A system, method, and computer readable medium (collectively, the “system”) is disclosed for generating real-time insights from a big data storage platform. The system may process transaction data stored in a big data management system (BDMS) to generate characteristic data associated with a plurality of demographics. The system may also model an account associated with a corporate ID to identify a demographic from the plurality of demographics associated with the corporate ID. The system may further compare the user data associated with the corporate ID to the characteristic data of the demographic associated with the corporate ID to generate a view responsive to a request. The system may also transmit the view in response to the request, for example, to an interface for use by a program administrator.

Abstract: An authoring tool may comprise a plurality of predefined functions displayed in a visual manner. A user may select functions from the predefined functions to create a logic map. The authoring tool may read metadata from a metadata store corresponding to the functions. The authoring tool may generate an intermediate language, and compile the metadata from the intermediate language to a desired language. The authoring tool may execute the logic map on data in a data management system.

Abstract: The systems, methods, and computer readable mediums described herein provide a secure method for a transaction account issuer to issue a digital pass to an existing transaction account holder (e.g., an existing user) that may be shared and/or provided to a prospective transaction account holder (e.g., a new user). The digital pass may be sharable from an existing user's user device to a new user's user device. The systems, methods, and computer readable mediums described herein may also employ an adaptive web design solution to increase application completion rates by capturing minimal viable information from a prospective member.

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 read source data corresponding to a source variable and apply a transformation to the source variable to generate an output variable. The transformation may include logic, and the output variable may be configured for ingestion into a big data storage format. The system may record lineage data of the output variable that comprises the transformation and/or the source variable. The system may also receive a request to generate a requested output variable. The requested output variable may be generated from a second transformation that is the same as the first transformation. The system may thus match the first transformation to the second transformation using the lineage data. In response to matching the first transformation to the second transformation, the system may deny the request. The original output variable may be returned in response to the matching the first transformation to the second transformation.

Abstract: A JBoss application may allow for a distributed application hosted on a JBoss application server to connect to a hierarchical type database. Additionally, the JBoss application may communicate via IMS Connect and Open Database Manager Common Service Layers in order to retrieve the data from the IMS databases. A Java framework may be installed on the JBoss application server.

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 system and method for automated computer system diagnosis and repair is provided. The system and method may allow for the automated diagnosis and repair of computer system errors without needing a user to manually engage a service desk, help desk, and/or the like. A user terminal may interact with a tech care module to generate a user repair request comprising the computer system error and data relating to the error. The system may analyze the user repair request and retrieve a repair script relating to the computer system error. The system may execute the repair script on the user terminal to resolve the computer system error. The system may also implement reporting modules to ensure that the computer system error is remediated and to update the repair scripts.

Abstract: A proof-of-payment system may receive a payment confirmation including a transaction amount and a merchant identifier. The system may select a record from a registration repository by matching the merchant identifier to the record. The record may have a public key associated with the merchant identifier via a registration process, for example. The system may also generate a proof-of-payment payload comprising an identifier and a payment amount, and encrypt the proof-of-payment payload using the public key. The system may write the encrypted proof-of-payment payload to a blockchain maintained on a first blockchain node.

Abstract: A system for authorizing a reward card transaction includes an account server configured to receive an authorization request for a transaction performed using the reward card. The system also is configured to compare the amount of the transaction to an available balance in a bank account linked to the reward card and authorize the transaction based on the comparison. The system further is configured to transmit an authorization for the transaction. A system updating a credit limit on a reward card includes an updating module configured to receive amounts of authorized reward card transactions and amounts of authorized bank account transactions. The system also is configured to update a credit limit on a reward card based on the reward card transaction amounts and/or the bank account transaction amounts.

Abstract: A method is disclosed for offering transaction account consumers with payment term options to pay a minimum amount due early, defer payment into the following payment cycle, and pay a standard amount when due. When generating a periodic billing statement, the invention determines a consumer's eligibility to elect early payment, deferred payment, and regular payment. When a consumer is eligible for early payment, a received payment is compared to a discount rate tier, then a discount amount is calculated and credited to the consumer's account. When the consumer is eligible for deferred payment, the system calculates a new current minimum payment due by multiplying the current non-deferred balance by a predetermined percentage amount and adding the result to the deferred balance. When the consumer is not eligible for deferred payment, the system calculates a new current minimum due by summing the current non-deferred balance with the deferred balance.

Abstract: The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data.

Abstract: The process includes receiving a data set comprising a plurality of rows and a plurality of columns, and applying a first rule based decisioning to the data set to generate a first layer of metadata that comprises at least one of a key, a type indicator, a categorical indicator, and/or a continuous indicator. The first layer of metadata may be descriptive of the data set. The processor may further apply a second rule based decisioning to the first layer to generate a second layer that includes at least one of the key, the type indicator, the categorical indicator, or the continuous indicator. The second layer may be descriptive of the first layer. The process may also include generating an output file from at least one of the first layer or the second layer.