Abstract: Systems and methods for efficiently conducting a commercial transaction involving a gratuity are provided. The systems and methods enable users to set tipping preferences in advance so as to be applied automatically during subsequent commercial transactions.

Abstract: Systems and methods for activating and using dynamic cards are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for activating a dynamic transaction instrument may include: (1) receiving, from an electronic device, an identification of an inactive financial instrument to activate; (2) receiving, from the electronic device, at least one parameter that restricts the use of the inactive financial instrument after it is activated; and (3) activating the inactive financial instrument subject to the at least one parameter by associating, at a backend, an account with the inactive financial instrument.

Abstract: Systems and methods for account agnostic transaction routing are disclosed. According to one embodiment, in an information processing device comprising at least one computer processor, a method for account agnostic transaction routing may include: (1) receiving an identifier for a first financial instrument for a transaction being conducted at a point of transaction; (2) retrieving a plurality of financial instruments associated with the identifier, the plurality of financial instruments comprising the first financial instrument; (3) retrieving at least one transaction routing rule associated with the plurality of financial instruments, the transaction routing rule specifying a condition for using one of the plurality of financial instruments; (4) identifying one of the plurality of financial instruments for conducting the transaction based on the transaction and the transaction routing rule; and (5) settling the transaction with the identified financial instrument.

Abstract: According to an embodiment of the present invention, an automated computer implemented system and method for building system hierarchies comprising: an input configured to receive monitoring data from a plurality of devices associated with an entity, wherein the monitoring data for each device of the plurality of devices comprises a unique addressing scheme, the unique addressing scheme comprising a location identifier, a relationship identifier and an object identifier for each device; a processor configured to dynamically build a system hierarchy based on the addressing scheme for each device responsive to the monitoring data and a calculated data determined for each device; and an output configured to generate the system hierarchy on an user interface.

Abstract: According to an embodiment of the present invention, an automated computer implemented system and method for dynamically building a product hierarchy comprises: an input configured to receive product data for a plurality of products where each product has an associated a unique addressing scheme, the unique addressing scheme comprising a location identifier, a parent identifier, an object identifier and a position identifier for each product, wherein the position identifier represents each product's position within the product hierarchy; a processor configured to dynamically build a system hierarchy based on the addressing scheme for each product; and an output configured to generate the product hierarchy on an user interface.