Abstract: The disclosure herein describes managing multiple clusters within a container environment using a control cluster. The control cluster includes a single deployment model that manages deployment of cluster components to a plurality of clusters at the cluster level. Changes or updates made to one cluster are automatically propagated to other clusters in the same environment, reducing system update time across clusters. The control cluster aggregates and/or stores monitoring data for the plurality of clusters creating a centralized data store for metrics data, log data and other systems data. The monitoring data and/or alerts are displayed on a unified dashboard via a user interface. The unified dashboard creates a single representation of clusters and monitor data in a single location providing system health data and unified alerts notifying a user as to issues detected across multiple clusters.

Abstract: A computing device for determining a new credit card number that is a continuation match with an old credit card number of a credit card account that has changed numbers comprises a processing element programmed to: receive transactional data for a plurality of credit card numbers, determine a plurality of old credit card numbers and a plurality of new credit card numbers, determine a plurality of clusters of new credit card numbers, convert the transactional data for each old credit card number and the associated cluster of new credit card numbers into snapshots with an image-like data format, train a modified siamese network with instances of snapshots of an old credit card number, a first new credit card number, and a second new credit card number, and use the modified siamese network to determine one new credit card number that is an upgrade of one old credit card number.

Abstract: A method for facilitating benefit disbursements through the use of tokens and blockchain includes: receiving beneficiary information from a first computing system, the beneficiary information including a beneficiary identifier; storing a blockchain data entry, the blockchain data entry including a disbursement token associated with the beneficiary information and a recipient value generated using a public key of a cryptographic key pair; receiving a redemption message from a second computing system, the redemption message including the disbursement token, a digital signature generated using a private key of the cryptographic key pair, transaction account data, and a redemption amount; validating the digital signature using the public key of the cryptographic key pair; and transmitting a transfer message to the first computing system, the transfer message including the transaction account data and the redemption amount.

Abstract: A method for facilitating advances in supply chain financing through a centralized platform includes: receiving a commitment message from a first entity system, wherein the commitment message includes at least a first transaction amount and a first payment date; receiving a financing offer from a second entity system, wherein the financing offer includes at least a second transaction amount less than the first transaction amount and a second payment date earlier than the first payment date; determining acceptance of the financing offer based on one or more predetermined criteria; transmitting the acceptance of the financing offer to the second entity system; and transmitting account data for a transaction account associated with the second entity system to the first entity system.

Abstract: In one aspect, an apparatus for setting a dynamic user/issuer pairing is provided, comprising: at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus at least to: send transaction details and an account identifier to a plurality of issuer servers belonging to a corresponding plurality of issuers, the transaction details relating to a transaction initiated by a user and the account identifier identifying the user; receive issuer fee bids submitted by one or more issuers who have received the transaction details and the account identifier, the one or more issuers being those available to conduct the transaction; and analyze the issuer bids based on predetermined criteria associating with the account identifier to present to the user at least one issuer among the one or more issues who have submitted the issuer bids.

Abstract: Embodiments provide electronic methods and systems for performing recurring payments to the merchants. The method performed by an aggregator server includes receiving a standing instruction (SI) request including a plurality of unique data fields from an acquirer server. The unique data fields represent setting up of a recurring payment transaction from a payment instrument of a user to a merchant account of the merchant. The method includes generating and storing a unique identifier corresponding to the SI request. The method includes transmitting the SI request along with the unique identifier to an issuer server associated with the payment instrument to authorize the SI request for processing the recurring payment. The method further includes receiving an authorization response message in response to successful authorization of SI request by issuer server.

Abstract: Systems and methods are provided for facilitating network transactions. One exemplary method includes receiving, from a terminal, a request for a conversion option for a transaction to a payment account, where the request includes a transaction amount for the transaction in a first currency and an identifier associated with the payment account. The exemplary method also includes determining a charge rate for the payment account for conversion of the transaction amount to a second currency, determining the conversion option for the transaction in the second currency based on at least a conversion rate and the charge rate, and transmitting the conversion option to the terminal in response to the request.

Abstract: Embodiments provide a method of facilitating a payment transaction with a payment card of a customer. The method includes receiving a payment transaction request initiated at a merchant terminal. The payment transaction request comprising at least a merchant transaction amount associated with a purchase entered at a merchant terminal, a PIN of the payment card provided by the customer via a keypad and a customer transaction amount provided by the customer via the keypad. The method includes facilitating verification of facilitating verification of the PIN with a stored PIN. The method further includes, upon successful verification, determining whether the merchant transaction amount conforms to the customer transaction amount. The method further includes facilitating a payment transaction associated with the payment transaction request if the merchant transaction amount conforms to the customer transaction amount.

Abstract: Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, in response to a payment device being inserted at a terminal, initiating, by a security chip of the payment device, a timer and capturing, by a biometric sensor of the payment device, a fingerprint while the timer is unexpired. The method also includes verifying, by the security chip, the captured fingerprint against reference fingerprint data stored in memory in the payment device and, in response to the captured fingerprint being verified, while the timer is unexpired, initiating, by the security chip, with the terminal, a transaction to an account using an account number specific to a biometric application of the payment device. An issuer can recognize verification of a user associated with the fingerprint based on the account number in an authorization request, instead of a different account number for the account.

Abstract: The invention provides an authentication technique that involves provision of a new authentication credential for each authentication attempt. The requestor of the new authentication credential is required to provide a previous authentication credential in order to successfully receive the new authentication credential. The previous authentication credential has however been de-authorised so it cannot be used to authenticate the requestor, only to successfully obtain a new authentication credential. The requestor then authenticates using the new authentication credential. The cycle is repeated for as many repeat authentication attempts as are made by the requestor.

Abstract: Systems and methods are provided for use in distributing payment transaction notifications. One exemplary method includes identifying, by a computing device, transaction data for a transaction associated with a child token to a group payment account and identifying, by the computing device, in a data structure, a parent token with which the child token is associated. The parent token is enrolled to receive a notification for the transaction associated with the child token. As such, the method further includes transmitting, by the computing device, a notification to a communication device of a group member associated with the parent token in response to the transaction involving the child token, where the notification includes transaction data associated with the transaction such that the transaction is thereby identified to the group member along with the associated transaction data.

Abstract: The invention provides methods, systems and computer program products for securely provisioning an internet-of-things (IoT) device for implementing an electronic payment transaction.

Abstract: A computer system includes a processor programmed to process a first web page to identify a hyperlink contained thereon. The hyperlink includes a link to a second web page. The processor performs natural language processing on the first web page to determine one or more context word tokens and on the second web page to determine a context of the second web page. The processor also applies a context relevant tag to the hyperlink to generate a tagged hyperlink. The processor maps at least one of the context word tokens to the context relevant tag applied to the hyperlink and generates a transaction score for the tagged hyperlink.

Abstract: A gratuity analytics computing system, for generating gratuity analytics for a plurality of transactions of a customer at a service provider within a date range, is in communication with an electronic device of the service provider over an electronic network. The system includes a gratuity analytics computing device, a database including a memory in operable electronic communication with the gratuity analytics computing device, and a processor configured to: receive transaction data for the plurality of customer transactions occurring within the date range, match a plurality of authorization messages with a respective plurality of clearing messages, generate gratuity analytics for the plurality of customer transactions over the date range based on average tip data from the customer, and calculate a customer satisfaction score for one customer transaction of the plurality of customer transactions based on the generated gratuity analytics.

Abstract: A method for on-behalf ATM processing via blockchain includes: receiving, by a receiver of an automated teller machine (ATM), a transaction identifier; receiving, by an input device interfaced with the ATM, a withdrawal amount; identifying, by the ATM, a blockchain transaction in one of a plurality of blocks comprising a blockchain, wherein the blockchain transaction includes at least the transaction identifier and a current balance; and processing, by the ATM, withdrawal of the withdrawal amount based on the current balance, where processing includes dispensing, by a dispenser interfaced with the ATM, currency equivalent to the withdrawal amount if the withdrawal amount is less than or equal to the current balance or displaying, by a display device interfaced with the ATM, a message indicating an insufficient balance if the withdrawal amount is greater than the current balance.

Abstract: A method for confirmation of an electronic transaction using a blockchain includes: receiving transaction data, the transaction data including a transaction amount and currency code; generating a transaction message formatted based on one or more standards including a first data element configured to store the transaction amount, a second data element configured to store the currency code, and a third data element configured to store an invoice identifier; transmitting the transaction message to a financial institution via a payment network; receiving a return message from the financial institution via the payment network formatted based on the one or more standards and including a data element configured to store the transaction amount, currency code, and invoice identifier; and generating a hash value based on application of hashing algorithms to the transaction amount, currency code, and invoice identifier stored in the data element included in the received return message.

Abstract: The methods described herein are configured to obtain a first record pattern associated with the unidentified entity and select a second record pattern associated with an entity identifier of a known entity. Based on the first record pattern matching the second record pattern, the entity identifier of the known entity is associated to the unidentified entity to indicate that the unidentified entity and the known entity are the same. Determining the entity identifier of the unidentified entity enables the linking of separate identifier systems of data structures to facilitate communication and/or interaction between the data structures.

Abstract: A wearable computing device reads near-invisible one- or two-dimensional barcodes having a size of 100 microns to one millimeter. The device includes a magnifying lens, a digital camera, a processor, program memory and a wireless communication module, all supported on a wearable device body. The wearable device body may be an eyeglass frame, a watch body or wristband, a headband or sweatband or a cap or other headgear, among other possibilities. Applications of the wearable computing device include unattended shopping in a physical retail store.

Abstract: A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability.

Abstract: Provided are systems and methods enabling enrollment in promotions via a tokenization platform. In one example, the method may include establishing a network communication channel between a tokenization platform and a digital wallet of a user device, transmitting a promotion from the tokenization platform to the digital wallet on the user device via the established network communication channel, receiving authorization to accept the promotion at the tokenization platform from the digital wallet on the user device, and identifying tokenized payment account information of the digital wallet stored at the tokenization platform and automatically transmitting information about the tokenized payment account information of the digital wallet information from the tokenization platform to a promotion enrollment system associated with the promotion.