Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.

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 method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.

Abstract: A computer-implemented method for authenticating an online user includes steps including receiving, from a requestor server in communication with a merchant website, an authentication request message including authentication data collected from a user computing device during an online interaction with the merchant website. The steps also include extracting the authentication data from the authentication request message, and applying a risk-based authentication (RBA) engine to the authentication data to obtain RBA result data including a reason code that includes no more than three bytes of data. The steps further include causing the reason code to be embedded in an authorization request message generated during the online interaction and routed to a decisioning server via a payment network.

Abstract: A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to decrypt transaction card details included in a secure request message. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device.

Abstract: A computer system includes a database, a communication interface, and a processor(s). The processor(s) is programmed to receive a consent message from a cardholder computing device. The consent message includes cardholder consent information indicating consent to one or more data services. The processor(s) is also programmed to receive transaction card details from the cardholder computing device. The transaction card details correspond to a transaction card of a cardholder and are associated with a financial account of the cardholder. Based on the transaction card details, the processor(s) generates a digital access token. The digital access token is associated with the financial account and the cardholder consent information. The processor(s) stores the digital access token in the database, transmits a cardholder authentication request message to an issuer, and receives an authentication ID from the cardholder computing device.

Abstract: A computer system includes a database, a communication interface, and a processor. The processor is programmed to receive a request message from an issuer computing device. The consent message includes a client ID and encrypted transaction card details for a transaction card account. The processor is also programmed to decrypt transaction card details. The processor is also programmed to match the client ID to the transaction card details using a BIN mapping table stored in the database. Based on the mapping, the processor generates an issuer access token. The issuer access token is associated with the transaction card account. The processor stores the issuer access token in the database and transmits the token to the issuer computing device.

Abstract: A method for providing data values to an automated program includes: storing, in an account database, a plurality of account profiles, wherein each account profile includes at least an account identifier and a digital token value related to a user account; executing, by a querying module, a query on the account database to identify a specific account profile; transmitting, by a transmitting device, the digital token value included in the specific account profile to a first computing system; receiving, by a receiving device, a plurality of data values associated with a user corresponding to the user account related to the specific account profile based on the digital token value from the first computing system; and transmitting, by the transmitting device, one or more data values of the plurality of data values to an automated application program executed by a second computing system.

Abstract: A database containing transaction data from at least one entity which makes payments with a payment network is maintained. Social network activity data from a social network is obtained for the at least one entity which makes payments with the payment network. The social network activity data and given records of the transaction data are integrated, to obtain integrated social media transaction visualization data. Techniques for providing purchase recommendations are also disclosed.

Abstract: Systems, methods and computer program code are provided for receiving a token and a request to generate a sub-token based on the token, identifying an association between the token and a primary account number (PAN) of a user, generating a sub-token associated with the token and the PAN, and providing the sub-token for use in a payment transaction.

Abstract: A method for verifying a transacting entity includes: receiving a verification request including an entity identifier; transmitting a transaction amount; receiving a transaction message for a payment transaction including a controlled payment number, the transaction amount, and the entity identifier; transmitting at least two refund messages including the controlled payment number and a refund amount, where a total of the refund amount included in each refund message equals the transaction amount; receiving a verification message including the entity identifier and two or more return amounts; and verifying that the two or more return amounts correspond to the refund amounts included in the two or more refund messages.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system process data from multiple data sources including information generated by the business and analyze the data to provide actionable suggestions, analytics and advice as to how to determine how to improve the performance of the business. The actionable suggestions, analytics and advice may be automatically compiled into a report and generated without user action. The use of natural language queries and responses allows for a merchant without a business intelligence background obtain these insights easily.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system processes data from multiple data sources including information generated by the business and analyzes the data to provide actionable suggestions as to how to determine how to improve the performance of the business. The use of natural language queries allows for a merchant without a business intelligence background obtain these insights easily.

Abstract: A method for providing insights based on merchant bidding includes: storing a plurality of transaction data entries, each including a merchant identifier and transaction data; receiving merchant bids, each being received from a different merchant and including a bid amount and corresponding merchant identifier; identifying a transaction metric based on the transaction data included in each transaction data entry; identifying a propensity to transact for each corresponding merchant identifier based on the transaction data included in each transaction data entry that includes the respective corresponding merchant identifier; determining a winning bid of the plurality of merchant bids based on a combination of the propensity to transact for the included corresponding merchant identifier and the included bid amount; and transmitting the account identifier included in the account profile to the merchant from which the winning bid was received.

Abstract: A simulation and optimization (SO) computing device is configured to receive a request for an intelligent budget, and retrieve historical data for purchase transactions initiated over a period of time. The SO computing device is also configured to assign each purchase transaction one budget class, generate a historical budget model based upon the purchase transactions and budget classes, the historical budget model representing historical spending behavior over the period of time, and execute future budget simulations based upon the historical budget model, each future budget simulation identifying a possible future spending behavior of the user.

Abstract: Systems and methods are provided for use in permitting restricted network transactions. One exemplary method includes receiving a product identifier associated with a product, from a user at a communication device, where the product is offered for sale by a merchant associated with a restricted merchant category for a payment account associated with the user. The method also includes identifying the product based on the identifier, from a listing of products included in a data structure, and determining whether the product is permitted based on one or more permission rules associated with an account host for the payment account. The method then includes transmitting an approve notification to the user, at the communication device, when the product is permitted by the one or more permission rules.

Abstract: An apparatus and method for utilizing a portable point-of-sale device for onboarding a merchant with an interchange network is provided. The method includes the operation of coupling the portable point-of-sale device to an external display device. The method also includes the operation of downloading a merchant companion application to a merchant client device. The merchant companion application is configured to communicate directly with the portable point-of-sale device. Furthermore, the method includes the operation of configuring a network connection between the portable point-of-sale device and the interchange network utilizing the merchant companion application. Moreover, the method includes the operation of providing merchant onboarding information to the interchange network via the portable point-of-sale device utilizing the merchant companion application.

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 method includes receiving a bank identification number (BIN) that defines a range of indicator numbers, and generating a plurality of primary account numbers (PANs) that start with that BIN. The method further includes generating a plurality of tokens that start with the same BIN. The PANs may have a prescribed length in digits that differs from the prescribed length in digits for the tokens. Thus tokens can be distinguished from PANs based on length in digits, even though the PANs and tokens may be formed with the same BIN.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system provide for crowd-sourced data to determine natural language query suggestions to transmit to a user, based upon previously submitted questions of the user and/or similar merchants to the user. Natural language query suggestions may be provided as utterances to a keyboard of a merchant user. The merchant user may select one or more suggestions provided. The use of natural language queries and responses allows a merchant without a business intelligence background to obtain business insights easily and accurately assess his performance (e.g., against similar merchants, etc.) without personally identifiable or confidential information of other merchants being compromised.