Abstract: A method for authenticating e-commerce transactions involves receiving, from a payment network computer, a first authentication request message to authenticate a transaction associated with a payment account, the first authentication request message being initiated by an issuer domain computer not implementing a 3-D Secure authorization protocol, determining that the issuer domain computer has configured, at the access control server computer, a decision function of a second portion of the 3-D Secure authorization protocol and in response thereto, transmitting, to the issuer domain computer, a decision request message and information associated with the transaction, the decision request message requesting the issuer domain computer to determine an action for authenticating the transaction based on the information associated with the transaction and one or more programmatic rules of the issuer domain computer, the transmitting occurring in lieu of the access control server computer executing the decision funct

Abstract: Server computers of card issuer-processors can determine a mapping of dependencies of a plurality of components of a card processing protocol and create groups of components that can be executed in parallel. The groups of the components are sequentially processed within a limited time period.

Abstract: In one embodiment, a computer-implemented method includes, using a transaction processor of a first computer, receiving a request from a second computer to verify a first transaction ledger in comparison to a second transaction ledger. The method includes converting the first transaction ledger and the second transaction ledger to a normalized data format. The method includes executing one or more cryptographic one-way hash algorithms over the first transaction ledger and the second transaction ledger to create and store in memory a first hash tree for the first transaction ledger and a second hash tree for the second transaction ledger. The method includes forming and transmitting to the second computer a response to the request based on a comparison of the first hash tree and the second hash tree, the response including a notification of inconsistency between the first transaction ledger and the second transaction ledger or identified discrepancies and updates.

Abstract: The present disclosure is directed to a system, method, and computer program for funding a payment card account from an external funding gateway just-in-time for a purchase. A payment card processing system maintains a payment card account for a user for funds from a third party funding source. Funds from the funding source are controlled by an external funding gateway. In order to approve a purchase authorization transaction, the payment card account must have a positive balance equal to or greater than the purchase amount. Funding requests are sent from the payment card processing system to the external funding gateway in response to receiving a purchase authorization request for the payment card, and, if the funding request is approved by the external funding gateway, the system credits to the payment card account with the funds just-in-time for approval of a purchase authorization request.

Abstract: This disclosure describes methods, non-transitory computer readable storage media, and systems that utilize a plurality of data validation processes to merge or replicate data across databases for downstream operations. For example, in response to a request to merge data from one or more source servers to one or more destination servers, a disclosed system determines database events to merge based on a plurality of database tables accessed in connection with a card account transaction. The disclosed system validates subsets of database events for the accessed database tables based on the quantities and event identifier sequencing of the database events. Additionally, the disclosed system replicates the database events from the source servers to the destination servers in response to validating the completeness and ordering of the database events for the card account transaction.

Abstract: This disclosure describes methods, non-transitory computer readable storage media, and systems that utilize a plurality of data validation processes to merge or replicate data across databases for downstream operations. For example, in response to a request to merge data from one or more source servers to one or more destination servers, a disclosed system determines database events to merge based on a plurality of database tables accessed in connection with a card account transaction. The disclosed system validates subsets of database events for the accessed database tables based on the quantities and event identifier sequencing of the database events. Additionally, the disclosed system replicates the database events from the source servers to the destination servers in response to validating the completeness and ordering of the database events for the card account transaction.

Abstract: A method for authenticating e-commerce transactions involves receiving, from a payment network computer, a first authentication request message to authenticate a transaction associated with a payment account, the first authentication request message being initiated by an issuer domain computer not implementing a 3-D Secure authorization protocol, determining that the issuer domain computer has configured, at the access control server computer, a decision function of a second portion of the 3-D Secure authorization protocol and in response thereto, transmitting, to the issuer domain computer, a decision request message and information associated with the transaction, the decision request message requesting the issuer domain computer to determine an action for authenticating the transaction based on the information associated with the transaction and one or more programmatic rules of the issuer domain computer, the transmitting occurring in lieu of the access control server computer executing the decision funct

Abstract: Server computers of card issuer-processors can determine a mapping of dependencies of a plurality of components of a card processing protocol and create groups of components that can be executed in parallel. The groups of the components are sequentially processed within a limited time period.

Abstract: The present disclosure is directed to a system, method, and computer program for funding a payment card account from an external funding gateway just-in-time for a purchase. A payment card processing system maintains a payment card account for a user for funds from a third party funding source. Funds from the funding source are controlled by an external funding gateway. In order to approve a purchase authorization transaction, the payment card account must have a positive balance equal to or greater than the purchase amount. Funding requests are sent from the payment card processing system to the external funding gateway in response to receiving a purchase authorization request for the payment card, and, if the funding request is approved by the external funding gateway, the system credits to the payment card account with the funds just-in-time for approval of a purchase authorization request.

Abstract: The present disclosure relates to a system, method, and computer program for securely transmitting and presenting payment card data in a web client. Payment card information is securely transmitted form a payment card server to a sandboxed container object on a webpage. The payment card sever is PCI compliant and independent of the webserver that provided the webpage to the web client. A sandboxed payment-card client, executing within the sandboxed container object on the web page, establishes a secure communication session with the payment-card sever. The payment-card server transmits payment card data to the sandboxed payment-card client, which displays the payment card data in the sandboxed container object (or in a plurality of sandboxed container objects). The website's webserver is bypassed in communications between the payment-card server and the sandboxed payment-card client.

Abstract: The disclosure is directed to a system, method, and computer program for dynamically identify a merchant associated with an authorization request for a payment card, wherein a merchant identifier in the authorization request is unrecognized. A plurality of unique signatures is created for each of a plurality of registered merchants, wherein the signatures for each registered merchant are based on values of merchant attributes associated with the registered merchant. In response to the system receiving an authorization request for a payment card that includes an unrecognized merchant identifier used to process authorization requests, a plurality of unique signatures is generated for the unrecognized merchant based on a combination of merchant attributes in the authorization request. A payment processing system then determines if the signatures match one of the signatures previously created for the registered merchants.

Abstract: The disclosure is directed to a system, method, and computer program for dynamically identify a merchant associated with an authorization request for a payment card, wherein a merchant identifier in the authorization request is unrecognized. A plurality of unique signatures is created for each of a plurality of registered merchants, wherein the signatures for each registered merchant are based on values of merchant attributes associated with the registered merchant. In response to the system receiving an authorization request for a payment card that includes an unrecognized merchant identifier used to process authorization requests, a plurality of unique signatures is generated for the unrecognized merchant based on a combination of merchant attributes in the authorization request. A payment processing system then determines if the signatures match one of the signatures previously created for the registered merchants.

Abstract: A system, method, and computer program are provided for capturing a unique identifier for a merchant used in purchase transaction approval requests. A merchant is able to register with a payment card system via a merchant interface. A payment card number is associated with and provided to the merchant via the interface with instructions to perform a purchase transaction with the payment card number. The system receives requests for approval of payment card transactions, where each request includes a payment card number and a unique identifier for a merchant. For each request, the system determines whether the payment card number includes an indicator that the payment card number is for the purpose of capturing a unique identifier for a merchant. In response to receiving a request with a payment card number that includes the indicator, a unique identifier accompanying the request is automatically associated with the registering merchant.

Abstract: The system and method of present invention provides a user with a single account that separately tracks prepaid and/or reward balances from multiple merchants. Multiple merchant purses are associated with the user's account. Each purse corresponds to one merchant, and represents the user's credit balance with the merchant (e.g., prepaid deposits plus reward). The balance associated with each merchant purse is separately tracked. In one embodiment, each merchant purse is associated with its own set of rules for calculating a reward or otherwise managing the purse. When a user deposits prepaid money into a merchant purse, the system that manages the user's account executes any rules associated with the purse related to a deposit. If there is a rule associated with a rewards calculation, a reward amount is calculated in accordance with the rule and, if the reward is greater than zero, the merchant purse is credited with the reward.