Abstract: A method and a recommender computer system are provided. The recommender computer system is programmed to receive payment card transaction information for a payment cardholder from the interchange network. The payment card transaction information includes data relating to a plurality of purchases made by the cardholder at a plurality of different merchants. The recommender computer system is further programmed to receive merchant rating information, receive merchant descriptive information, and determine location information of each of the plurality of different merchants relative to at least one of a predetermined selectable location and a current location of the cardholder.

Abstract: A system and computer-implemented method for identifying and blocking repetitive submissions from a fraudster or unscrupulous merchant/acquirer to a card-issuer for the same financial transaction. A communications network is monitored for financial transaction requests and responses being communicated between the fraudster or unscrupulous merchant/acquirer and the card-issuer. The requests are analyzed to identify a pattern in a subset of the requests which the card-issuer has declined. The pattern identifies the subset of the requests as repetitive submissions from the merchant/acquirer for the same financial transaction. The pattern may be based on the number of requests from the same merchant/acquirer, the same card number, the same reason code for declining the requests, the same transaction amount, and being received within a particular time period. The next submission for the same transaction is blocked from reaching the card-issuer.

Abstract: Systems and methods for facilitating a transaction between a cardholder, registered with a first payment entity, and a second payment entity other than the first payment entity in cases when the second payment entity promotes an offer which the cardholder wants to avail. The method includes receiving a first service request from a user at a server system associated with the first payment entity. The first service request is a request to avail the offer using a first payment card of the user. The method further includes facilitating authentication of the first service request at the first payment entity. Upon successful authentication, the method includes sending a second service request to second payment entity and receiving approval from the second payment entity for availing the offer. The method further includes receiving a second payment card from second issuing entity, where the second payment card is eligible for availing the offer.

Abstract: Systems and methods are provided for evaluating data included in disparate data structures. One exemplary system comprises a first database including a first data structure having first data, and a second database including a second data structure having second data, where at least some of the second data is duplicative of at least some of the first data. The system also includes a computing device coupled to the first and second databases. The computing device is configured to request a first aggregate of the first data, receive the first aggregate, and load the first aggregate in an aggregate data structure. The computing device is further configured to request a second aggregate of the second data, receive the second aggregate, and load the second aggregate in the aggregate data structure, whereby a comparison of the first and second aggregates may be made.

Abstract: Disclosed are exemplary embodiments of systems and methods for use in extending credit services to prepaid payment accounts, based on anticipated load transaction thereto. In an exemplary embodiment, a method generally includes receiving an advance request, from a user, for a prepaid account. The prepaid account is associated with anticipated load transactions associated with the user to which the prepaid account is associated. The advance request also includes an advance amount. The exemplary method also includes determining whether to approve the advance request based on the anticipated load transaction and at least one metric associated with user, and causing the prepaid account to reflect the advance amount when the advance request is approved.

Abstract: Systems, methods, and non-transitory computer readable media decentralizes biometric enrollment. A server receives a request to enroll a user for biometric authentication in association with a unique ID, generates an activation code corresponding to the unique ID, and sends the activation code to the user. A user device receives and validates the activation code. If the activation code is valid, the user device is enabled to: capture at least one biometric image, and to send the biometric image to the server. The server receives at least one biometric image from the user device in response to the activation code and extracts features from at least one biometric image to generate a biometric template based upon the extracted features to enroll the user for biometric authentication without requiring the user to visit a central location to provide at least one biometric image.

Abstract: The disclosure updates website tags based on detected link changes. Link metadata based on a website is collected by an auto-tagger application. Previously collected link metadata associated with the website is accessed by the auto-tagger application. Upon detecting a link change between the collected link metadata and the accessed previously collected link metadata, the auto-tagger application identifies at least one auto-tagging rule associated with the detected link change. Tags of the website are updated by the auto-tagger application based on the identified at least one auto-tagging rule. Automatically detecting link changes and updating tags in response to the detected link changes enables consistent, accurate web analytics while reducing user effort required for website tag maintenance.

Abstract: A method of automated deployment management for a computer network is provided. The method is implemented using a distributed deployment agent that includes a server system agent operating on a server system and a client system agent operating on a client system. The client system agent is communicatively coupled to the server system agent. The method includes determining target locations associated with the client system, generating (using a configuration file) a command file configured for execution on the client system that hosts a computer application, configuring the command file with deployment instructions for the client system to automate deployment of the command file, and causing the client system agent to extract the command file and execute the command file on the target locations. The execution activates a system update event on the client system and/or a software update event for the computer application.

Abstract: A system for image-based purchase recommendation is disclosed. The system can include a memory storing computer program code and at least one processor, wherein the computer program code is configured to cause the system to receive a digital image corresponding to an item of interest, analyze the digital image, and identify one or more corresponding recommended products. The system can determine one or more merchants that offer one or more recommended products. The system can organize the identified merchants based on an availability of additional services offered by the merchants or based on services offered by one or more issuers, form a list of recommended merchants and transmit the recommended products, list of merchants, and the address (physical and/or internet) of each merchant, to a user device.

Abstract: A system and a method are provided for generating a digital receipt for purchases made utilizing a digital wallet or with other payment procedures. The digital receipt is stored in the cloud in a digital receipts repository for later retrieval. The digital receipt can be standardized to facilitate data processing of the data contained in data fields of the digital receipt. The data fields are text/field searchable and actionable so that the receipts and the data therein can be viewed in any manner desired by the user of the digital wallet.

Abstract: According to some embodiments, apparatus and methods are provided comprising a connector attachment including a housing, wherein the connector attachment is selectively connectable to a mobile device; and a first token stored within the connector attachment, wherein the first token is operative to execute a transaction with a second token. Numerous other aspects are provided.

Abstract: Disclosed herein are systems and methods of individual level learning that include receiving purchase event data from a merchant device that indicates that a purchase event occurred by a user on a user device, and transmitting the purchase event data to an analytics server. The methods may also include processing the purchase event data. The processing may include calculating a time gap for each of two sequential purchase events in a list of purchase events, and calculating an average duration of consecutive events by averaging all of the purchase events in the list of purchase events. The method may determine a purchase hazard probability that a purchase event will occur on a given day, when the average duration of consecutive events is larger than a standard deviation of the event occurring. When the purchase hazard probability is above a threshold, the system may push a message to the user device.

Abstract: Methods, systems, apparatuses, and computer readable media for facilitating reservation for a parking space with a near field communications (NFC)-enabled device are provided. A system can include an NFC-enabled parking meter associated with a parking space and a controller in communication with the NFC-enabled parking meter for measuring time and processing payment. A system can include an NFC-enabled device that upon interfacing with the NFC-enabled parking meter communicates with the controller to create a reservation of a parking space.

Abstract: A method for customized authentication of a subaccount includes: storing an account profile, wherein the account profile includes a structured data set related to a transaction account including a plurality of subaccounts, each subaccount including an associated account number, authentication rules, and authentication values; receiving a transaction message related to a payment transaction, wherein the transaction message includes a transaction account number and authentication data; identifying a specific subaccount in the account profile where the included associated account number corresponds to the transaction account number; and authenticating the authentication data based on the authentication rules and the authentication values included in the identified specific subaccount.

Abstract: A method for determining transportation fares includes: receiving a plurality of user data points for a user, wherein each user data point corresponds to a geographic location of a user including at least the geographic location and a timestamp; receiving a plurality of transport data points for each of a plurality of transportation vehicles, wherein each transport data point includes at least a geographic location of the respective transportation vehicle and a timestamp; identifying a specific transportation vehicle used by the user based on a correspondence between the geographic location and timestamp included in the plurality of user data points and the geographic location and timestamp included in the plurality of transport data points received for the specific transportation vehicle; determining a fare amount based on at least the identified specific transportation vehicle; and transmitting at least the determined fare amount.

Abstract: An intelligent payment card carrying system for monitoring the presence of a payment card includes a cardholder computing device and a payment card receptacle for receiving the payment card. The cardholder computing device includes a first transceiver for communicating with the payment card receptacle. The payment card receptacle includes a controller having a wireless communication device and a second transceiver. The second transceiver includes NFC-enabled circuitry. The controller communicates wirelessly with the cardholder computing device via the wireless communication device, and with the payment card via the second transceiver to transfer payment card data.

Abstract: A method for adjusting a spam index for a blockchain advertiser based on user consensus includes: storing an advertiser profile related to an advertising entity including at least an index value and an identification value; receiving new blocks in a blockchain, each including a block header and blockchain data values, where a plurality of the data values each includes an advertiser identifier, advertisement value, and a recipient identifier; receiving a plurality of spam reports, each associated with one of the data values and including at least one of: the advertisement value included in the respective data value or a reference value generated by hashing the respective data value; determining a ratio of a number of spam reports to number of the data values that includes the advertisement value; and adjusting the index value included in the advertiser profile according to the ratio.

Abstract: A method for two factor authentication for a blockchain transaction includes: storing a data pair including a public key of a first cryptographic key pair and an expected data value; receiving a transaction request including a first digital signature, one or more input addresses, one or more output addresses, and at least one transaction amount; identifying a processed transaction in a sidechain including a destination address and a transaction data value, wherein the destination address is generated using the public key of the first cryptographic key pair; performing a first authentication by validating the first digital signature using the public key of the first cryptographic key pair; performing a second authentication by validating the transaction data value using the expected data value; and transmitting the received transaction request to a plurality of other nodes in a blockchain network.

Abstract: Systems and methods are provided for use in processing transactions to payment accounts by transacting users, based on authentication of designated users associated with the payment accounts. One exemplary method includes receiving, at a computing device, a message associated with a transaction to a payment account where the transaction is initiated by a first user, and retrieving an authorization profile for the payment account based on a primary account number for the payment account. The authorization profile includes an indication of a communication device associated with a second, designated user also associated with the payment account. The method also includes soliciting, by the computing device, from the first user, a selection of the communication device and then, in response, transmitting an authentication request for the transaction to the second user at the communication device, thereby permitting the second user to grant permission for the transaction to the payment account.

Abstract: Methods and systems for processing booking transactions are provided. A server received a transaction request to book an asset for a time period. The transaction request comprises a token identifier assigned to the asset and data identifying the time period. The server then identifies token data associated with the asset based on the token identifier and determines availability of the asset during the time period based on the token data. If the asset is available for the duration of the time period, the server maps the token identifier to an account identifier and sends a request to credit an account identified by the account identifier to a server of an issuer of the account.