Abstract: A data controller computing device is configured to receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with the VC computing device. The DC computing device creates a shared payment account linked in a database to the primary user payment account. The DC computing device also receives secondary user information, and links in the database at least one secondary user payment account to the shared payment account. Additionally, the DC computing device transmits a shared payment account identifier to the VC computing device. The DC computing device receives, via a payment network, a transaction authorization request including the shared payment account identifier, a merchant identifier, and a transaction amount. The DC computing device applies respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account.

Abstract: A system and computer-implemented method for detecting and addressing billing fraud by an asserted provider of a good or service based on location data associated with card-based financial transactions by an asserted recipient and collected, stored, analyzed, and acted on by a payment card network to determine and respond to a likelihood of fraud. A computer stores locations of the recipient based on uses of a payment card over a time period, and determines a location of the provider based on location data associated with a card reader at a particular time at which the good or service was allegedly provided. The computer compares the two locations for the particular time and generates a fraud score based on a likelihood that the recipient was physically capable of being at the provider location at the particular time, and based on the score, may notify the recipient and decline the payment request.

Abstract: A data controller computing device is configured to receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with the VC computing device. The DC computing device creates a shared payment account linked in a database to the primary user payment account. The DC computing device also receives secondary user information, and links in the database at least one secondary user payment account to the shared payment account. Additionally, the DC computing device transmits a shared payment account identifier to the VC computing device. The DC computing device receives, via a payment network, a transaction authorization request including the shared payment account identifier, a merchant identifier, and a transaction amount. The DC computing device applies respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account.

Abstract: A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier.

Abstract: A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier.

Abstract: An augmented reality (AR) system for generating AR-based profiles using an AR computing device and an AR display device is provided. The AR system is configured to detect a consumer computing device located at a predefined distance from the AR display device, and transmit an electronic request message to an electronic computer application stored on the consumer computing device. The AR system is also configured to receive an electronic response message from the consumer computing device, wherein the electronic response message includes AR consumer data, and retrieve, from a database, an AR-based profile associated with the consumer based on the AR consumer identifier. The AR system is further configured to transmit the AR-based profile in the form of AR data to the AR display device, and display the AR data on a display screen of the AR display device.

Abstract: A system and computer-implemented method for detecting and addressing billing fraud by an asserted provider of a good or service based on location data associated with card-based financial transactions by an asserted recipient and collected, stored, analyzed, and acted on by a payment card network to determine and respond to a likelihood of fraud. A computer stores locations of the recipient based on uses of a payment card over a time period, and determines a location of the provider based on location data associated with a card reader at a particular time at which the good or service was allegedly provided. The computer compares the two locations for the particular time and generates a fraud score based on a likelihood that the recipient was physically capable of being at the provider location at the particular time, and based on the score, may notify the recipient and decline the payment request.

Abstract: A data controller computing device is configured to receive, from a voice-controlled (VC) computing device, a shared payment initialization request identifying a primary user payment account associated with the VC computing device. The DC computing device creates a shared payment account linked in a database to the primary user payment account. The DC computing device also receives secondary user information, and links in the database at least one secondary user payment account to the shared payment account. Additionally, the DC computing device transmits a shared payment account identifier to the VC computing device. The DC computing device receives, via a payment network, a transaction authorization request including the shared payment account identifier, a merchant identifier, and a transaction amount. The DC computing device applies respective portions of the transaction amount against each of the primary user account and the at least one secondary user payment account.

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: An augmented reality (AR) system for generating AR-based profiles using an AR computing device and an AR display device is provided. The AR system is configured to detect a consumer computing device located at a predefined distance from the AR display device, and transmit an electronic request message to an electronic computer application stored on the consumer computing device. The AR system is also configured to receive an electronic response message from the consumer computing device, wherein the electronic response message includes AR consumer data, and retrieve, from a database, an AR-based profile associated with the consumer based on the AR consumer identifier. The AR system is further configured to transmit the AR-based profile in the form of AR data to the AR display device, and display the AR data on a display screen of the AR display device.

Abstract: A system, computer-readable media and computer-implemented method for geo-verification of consumer reviews. The method may be carried out by one or more processor(s) configured to execute instructions of a software application stored on the computer-readable media. The method may include receiving consumer location data and generating a first one-time code. The first one-time code and a seller location identifier may be stored in an entry of a review code database, the seller location identifier reflecting a location of a consumer corresponding to the consumer location data. A second one-time code and at least a portion of a review may be received, the at least a portion of the review including a seller location reference. The entry including the seller location identifier may be identified, the seller location identifier corresponding to the seller location reference. The first one-time code of the entry may be matched to the second one-time code.

Abstract: A computer-implemented method for facilitating a payment between merchants and consumers at a convention or other private, temporary event is implemented with a computer server programmed with pay application software. Profile information for at least one merchant and consumer, including identifying information and payment information, is received and stored in merchant and consumer portals. A purchase request identifying a product the consumer wishes to purchase is generated by an electronic device operated by the consumer while the consumer is attending the event. The purchase request is communicated to the server, which then retrieves transaction information related to the purchase request from the merchant and consumer portals. The pay application server then transmits the transaction information to a payment interchange, which transfers funds from the consumer to the merchant and sends payment confirmation back to the pay application server.

Abstract: Systems and methods are provided for controlling categories of users based on network activity associated with the users at web browsers. One exemplary method includes transmitting, by a user feedback server (UFS), a web site to a user at a communication device and soliciting a feedback input associated with a prior network activity of the user. The UFS receives the feedback input from the user for a network object. The feedback input includes a unique identifier (ID) and a network object identifier associated with the network object. The unique ID is associated with at least one of the user and the communication device. The UFS transmits the feedback input (or portion thereof) to a host, whereby the host is permitted, based on the unique ID and the network object identifier, to adjust inclusion of the user and/or the communication device in one or more categories of users and/or communication devices.

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: Examples of the disclosure enable a user to evaluate a credibility of a website and/or a merchant in a remote financial transaction. In some embodiments, a request for a score is received from a client device. The request includes usage data associated with the client device. A website and/or merchant is identified based on the usage data, and customer experience-related data associated with the website and/or the merchant are retrieved from one or more sources. A first score is generated at a score generator based on the retrieved customer experience-related data, and the first score is transmitted to the client device for presentation at the client device.

Abstract: A payment processor computing device for performing an electronic transaction initiated by a vehicle is described. The payment processor computing device is configured to receive a registration secure token from a vehicle computing device, the registration secure token corresponding to a cardholder and including an account identifier, a vehicle identifier, and a biometric identifier.

Abstract: The present disclosure provides for an automated waste collection system, the automated waste collection system in communication with a client device and a payment processor, including a vehicle device onboard a waste collection vehicle and comprising a vehicle transceiver, a first processor, and a first memory, a bin computing device mounted to a waste collection bin and comprising a bin transceiver, a second processor, and a second memory, and a geofence defined by location data. The vehicle device and said bin computing device are configured to communicate wirelessly with one another to verify, based on the geofence location data, a user account associated with a user that has requested a waste collection service.

Abstract: Examples of the disclosure enable a user to evaluate a credibility of a website and/or a merchant in a remote financial transaction. In some embodiments, a request for a score is received from a client device. The request includes usage data associated with the client device. A website and/or merchant is identified based on the usage data, and customer experience-related data associated with the website and/or the merchant are retrieved from one or more sources. A first score is generated at a score generator based on the retrieved customer experience-related data, and the first score is transmitted to the client device for presentation at the client device.