Abstract: A method comprises transmitting, by a merchant web-client, a signal using a low energy consuming device, wherein the signal may be received by a transaction account holder web-client, wherein the signal may carry content associated with a merchant, and wherein the merchant is associated with the merchant web-client, and/or receiving, by the merchant web-client, a response from the transaction account holder web-client, wherein the response may be transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device. The content may comprise an advertisement associated with an item offered for sale by the merchant.

Abstract: A system that enables development and execution of predictive models comprises a centralized data management system, a data extraction tool a model validation tool and a model execution tool. In embodiments, a data management system includes a data management server that can be accessed via a web browser that stores data in the form of a flat file. An extraction tool extracts data. A model validation tool validates a model by scoring an analytical environment data set and a production environment data set. A model execution tool allows a user to select when and how often a model is scored.

Abstract: The method of processing an analysis cycle to determine interest merchants may include selecting a seed merchant relevant to a topic interest, identifying consumers that have completed a transaction with the seed merchant to generate a list of identified consumers, determining merchants visited by the identified consumers, scoring all the merchants based on network connectivity, activity, and merchant over-index, updating the seed merchant in response to the list of scored merchants relative to a scoring threshold, and scoring the list of identified consumers based on the number of distinct merchants in transaction and over-indexing. Additionally, the method may further comprise producing a list of updated interest merchants and a list of updated identified consumers, where the updated interest merchants and the updated identified consumers are relevant to the topic interest.

Abstract: A system, method and computer program product for granting access and/or an authorization are disclosed. For instance, a computer-implemented method may include receiving a first sequence of plurality of biometric data elements. The sequence of plurality of biometric data elements may comprise a biometric passphrase. The method may include registering the biometric passphrase to a known user and/or a transaction account. The method may include receiving a transaction request comprising a second sequence of plurality of biometric data elements. The method may include comparing the second sequence of plurality of biometric data elements to the biometric passphrase to resulting in a confidence factor of the comparison. The comparison may include comparing the sequencing of the second sequence of plurality of biometric data elements and the characteristics of each biometric data element of the second sequence of plurality of biometric data elements to the biometric passphrase.

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: The present disclosure includes a method comprising encrypting sensitive data, generating a token comprising a data identifier, tokenizing the encrypted sensitive data, and/or storing the encrypted sensitive data in association with the token to a token vault. Tokenizing may comprise mapping the encrypted sensitive data to the token. The method may further comprise storing the token to a cloud application, wherein the cloud application comprises a software application that functions within a cloud computing environment.

Abstract: A system, method, and article of manufacture for splitting a shared financial obligation is disclosed. The method may comprise receiving, by a bill splitting computer-based system, a single record of charge (ROC) associated with a purchase by one or more members of a group, and splitting, by the bill splitting computer-based system, the ROC between the members of the group.

Abstract: Systems and methods for rapidly provisioning functionality to one or more mobile communication devices are disclosed. The method may comprise receiving, by a telecommunications company (“Telco”) computer-based system and prior to a request for provisioning functionality, a globally unique identifier (“GUID”) encryption key, wherein the GUID comprises a unique identifier that is associated with a transaction account customer, and/or receiving, by the Telco computer-based system, a proto-script, wherein the proto-script comprises a perso-script prepended by a script to rotate a plurality of base encryption keys, wherein the base encryption keys are based on a value generated by an application service provider system.

Abstract: The present disclosure includes a system, method, and article of manufacture for generating an entity graph. The method may comprise determining a relationship between a first entity and a second entity based upon internal data, external data, and/or online data associated with the first entity, and generating the entity graph comprising at least two nodes and an edge connecting the at least two nodes. The method may further comprise, in various embodiments, tailoring marketing to the first entity based upon the entity graph, detecting fraud against the first entity based upon the entity graph, periodically updating the entity graph based upon new internal data and new online data, and/or adjusting the edge based upon a change in the relationship between the first entity and the second entity.

Abstract: A method and computer program product for identifying attributes of customers and potential customers, allowing marketing to be directed at such consumers. Information is received regarding each of a number of consumers. This information can include demographic information, data regarding spending habits, and information as to how such attributes may have changed over time. Once attributes have been determined, and any changes over time to such attributes have been determined, a correlation of the attributes is performed. Such combined attributes are denoted as composite dimensions. Given the composite dimensions, as well as attributes that may not have been correlated with any other attributes, consumers are plotted in the resulting multi-dimensional space. Sets of consumers that appear to be grouped in this multi-dimensional space are then identified. Common attributes of this consumer group are identified. Unique attributes of a given consumer in such a group are also identified.

Abstract: A method for progressively launching a website is disclosed. A production phase website may be launched or made available to a limited number of consumers. In addition, the performance of the production phase website may be evaluated based upon a comparison of the performance of the production phase website to a performance of the predecessor website. Further, the predecessor website may be replaced with the production phase website.

Abstract: Systems and methods for rapidly provisioning functionality to one or more mobile communication devices are disclosed. The method may comprise transmitting, by a mobile communication device, a request to receive application functionality, receiving, by the mobile communication device, a preformed perso-script, wherein the perso-script comprises a file that includes customer information and is prepended by a key rotation portion, processing, by the mobile communication device, the key rotation portion to rotate to a new set of encryption keys, and/or transmitting, by the mobile communication device and to an application service provider, a result of the key rotation.

Abstract: The present disclosure includes a system, method, and article of manufacture for performing dispute resolution. The method may include retrieving an identifier that associates a funds request with a rewards currency request, crediting, based on the identifier, a transaction account based upon the funds request, and crediting, based on the identifier, a rewards account based upon the rewards currency request. The method may further comprise crediting the transaction account less a value associated with the rewards currency request and/or generating a first statement that shows a funds balance and a second statement that shows a rewards currency balance. A funds balance may be credited by an amount associated with the funds request, and a rewards currency balance may be credited by an amount associated with the rewards currency request.

Abstract: The present system and method comprises an improved marketplace for providing and consuming services. Using the present system, generally via one or more APIs, comprises a method for integrating value added services within a network of participants, for instance, a payment network. The network can use service switching capabilities to route service calls to and from the service consumers and providers using routing elements defined in a message specification. Network participants can be both consumers and providers of services. The network can route service messages to the appropriate provider depending on details in the message.

Abstract: A method comprising receiving a category of metadata from an accounting software system, receiving a plurality of metadata labels associated with the category of metadata from the accounting software, receiving a ROC, receiving an association of one of the plurality of the metadata labels with the ROC, and/or transmitting the ROC and the association of the one of the plurality of the metadata labels with the ROC to the accounting software system. The category of metadata may comprise a card member name, an image of a receipt associated with the ROC, a description, and the like.

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: A comprehensive platform for developing digital products. A standardized process is applied to a product development effort and an online portal provides tools to aid the product development, assessment, funding and commercializing products. Project management, workflow and data security functionality enable consistent, efficient and secure interactions between users. Business rules, workflows, valuation models and rating methods may be user defined or based upon marketplace, industry or technology standards.

Abstract: A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.

Abstract: A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.

Abstract: The present disclosure includes a system, method, and article of manufacture for generating an entity graph. The method may comprise determining a relationship between a first entity and a second entity based upon internal data, external data, and/or online data associated with the first entity, and generating the entity graph comprising at least two nodes and an edge connecting the at least two nodes. The method may further comprise, in various embodiments, tailoring marketing to the first entity based upon the entity graph, detecting fraud against the first entity based upon the entity graph, periodically updating the entity graph based upon new internal data and new online data, and/or adjusting the edge based upon a change in the relationship between the first entity and the second entity.