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 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 determining the efficiency of an organization by analyzing data feeds from various applications are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor a method for measuring efficiency may include: (1) receiving, from an enterprise software program, raw data related to an entity's performance; (2) calculating a plurality of efficiency metrics based on the raw data; (3) identifying a recommended action based on one of the efficiency metrics; and (4) automatically implementing the recommended action.

Abstract: Various methods, apparatuses/systems, and media for providing IaC templates in a cloud environment are provided. A processor creates a plurality of IaC templates. Each of the plurality of IaC templates includes instructions to build at least a portion of an infrastructure. The plurality of IaC templates is stored in a central repository. The processor collects one or more of the plurality of the created IaC templates from the central repository in order to build a desired infrastructure package. The processor also executes at least one of updating, removing, upgrading, downgrading, and verifying the infrastructure package in the central repository. Each of the plurality of IaC templates also includes metadata identifying at least one of a package, installation instructions of the package, at least one dependency of the package, a version of the package, and a size of the package.

Abstract: The invention relates to a system and method that implements a customer account automation framework. A mobile device or system comprises: a memory that accesses customer profile data, customer transaction data and payment rules data; and a computer processor, coupled to the memory, programmed to: identify one or more rules, each rule comprising an event and an action, wherein the one or more rules comprise one of: notification, confirmation and automation and an associated device; receive one or more rule suggestions automatically generated based on customer behavior and transaction data; receive one or more sponsored rule suggestions automatically generated based on sponsor data; accept at least one suggested rule, wherein the suggested rule comprises a corresponding event and a corresponding action; detect an occurrence of the event; and automatically perform the action.

Abstract: Systems and methods for an intelligent virtual assistant for meetings are disclosed. In one embodiment, a system for an intelligent virtual assistant for meeting may include a server comprising at least one computer processor executing a virtual assistant computer program; a communication server in communication with the server; and a plurality of communication devices in communication with the server and the communication server, wherein the communication server facilitates an electronic meeting with a plurality of attendees via the plurality of communication devices. The virtual assistant may receive at least an audio feed and a video feed of the electronic meeting in real-time, may transcribe the audio feed using a speech-recognition algorithm, may provide the transcription to at least one of the plurality of attendees, may receive an edited transcription, and may update the speech recognition algorithm based on the edited transcription.

Abstract: Various methods, apparatuses/systems, and media for providing IaC templates in a cloud environment are provided. A processor creates a plurality of IaC templates. Each of the plurality of IaC templates includes instructions to build at least a portion of an infrastructure. The plurality of IaC templates is stored in a central repository. The processor collects one or more of the plurality of the created IaC templates from the central repository in order to build a desired infrastructure package. The processor also executes at least one of updating, removing, upgrading, downgrading, and verifying the infrastructure package in the central repository. Each of the plurality of IaC templates also includes metadata identifying at least one of a package, installation instructions of the package, at least one dependency of the package, a version of the package, and a size of the package.

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: Various methods, apparatuses/systems, and media for providing IaC templates in a cloud environment are provided. A processor creates a plurality of IaC templates. Each of the plurality of IaC templates includes instructions to build at least a portion of an infrastructure. The plurality of IaC templates is stored in a central repository. The processor collects one or more of the plurality of the created IaC templates from the central repository in order to build a desired infrastructure package. The processor also executes at least one of updating, removing, upgrading, downgrading, and verifying the infrastructure package in the central repository. Each of the plurality of IaC templates also includes metadata identifying at least one of a package, installation instructions of the package, at least one dependency of the package, a version of the package, and a size of the package.

Abstract: Systems and methods for automatically enabling and disabling a purchase card based on predetermined preferences set by a cardholder are provided. The systems and methods enable users to set preferences in advance, and then automatically determine whether to accept or decline a transaction based on the preset preferences. The systems and methods may also implement a learning algorithm to develop preferences based on historical cardholder behavior.

Abstract: The invention relates to a system and method that implements a customer account automation framework. A mobile device or system comprises: a memory that accesses customer profile data, customer transaction data and payment rules data; and a computer processor, coupled to the memory, programmed to: identify one or more rules, each rule comprising an event and an action, wherein the one or more rules comprise one of: notification, confirmation and automation and an associated device; receive one or more rule suggestions automatically generated based on customer behavior and transaction data; receive one or more sponsored rule suggestions automatically generated based on sponsor data; accept at least one suggested rule, wherein the suggested rule comprises a corresponding event and a corresponding action; detect an occurrence of the event; and automatically perform the action.

Abstract: The invention relates to a method and system that implements a customer account automation framework. A mobile device or system comprises: a memory that accesses customer profile data, customer transaction data and payment rules data; and a computer processor, coupled to the memory, programmed to: identify one or more rules, each rule comprising an event and an action, wherein the one or more rules comprise one of: notification, confirmation and automation and an associated device; receive one or more rule suggestions automatically generated based on customer behavior and transaction data; receive one or more sponsored rule suggestions automatically generated based on sponsor data; accept at least one suggested rule, wherein the suggested rule comprises a corresponding event and a corresponding action; detect an occurrence of the event; and automatically perform the action.

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: The invention relates to a method and system that processes a plurality of transactions shared by a group of members. A mobile device comprises: a memory; and a computer processor, coupled to the memory, programmed to: identify a plurality of members of a group sharing an event; identify a plurality of transactions made by each member of the group; determine whether each transaction is relevant to the event; automatically add each relevant transaction to the group; automatically categorize each transaction into a category associated with the event; and access, via an interactive display on the mobile device, a running total of expenses associated with the event and an individual share for a member of the group at a point in time.

Abstract: Systems and methods for determining the efficiency of an organization by analyzing data feeds from various applications are disclosed. According to one embodiment, in an information processing apparatus comprising at least one computer processor a method for measuring efficiency may include: (1) receiving, from an enterprise software program, raw data related to an entity's performance; (2) calculating a plurality of efficiency metrics based on the raw data; (3) identifying a recommended action based on one of the efficiency metrics; and (4) automatically implementing the recommended action.

Abstract: Systems and methods are provided for integrated healthcare management. The systems and methods include establishing a medical record data, accessing information about a treatment related to the medical record data, obtaining biometric data related to the treatment, processing the biometric data, determining whether the treatment is appropriate with respect to the biometric data, in response to the treatment being appropriate with respect to the biometric data, administering medication, and in response the treatment not being appropriate with respect to the biometric data, determining a new treatment, and administering new medication based on the new treatment.

Abstract: Various methods, apparatuses/systems, and media for providing IaC templates in a cloud environment are provided. A processor creates a plurality of IaC templates. Each of the plurality of IaC templates includes instructions to build at least a portion of an infrastructure. The plurality of IaC templates is stored in a central repository. The processor collects one or more of the plurality of the created IaC templates from the central repository in order to build a desired infrastructure package. The processor also executes at least one of updating, removing, upgrading, downgrading, and verifying the infrastructure package in the central repository. Each of the plurality of IaC templates also includes metadata identifying at least one of a package, installation instructions of the package, at least one dependency of the package, a version of the package, and a size of the package.

Abstract: The invention relates to a method and system that processes distributed transactions. A mobile device that processes distributed transactions comprises: a memory that accesses customer profile data, customer transaction data and payment rules data; and a computer processor, coupled to the memory, programmed to: request a distributed transaction for a transaction at a merchant; identify a plurality of co-payors based on a geo-location proximity determination; receive a distributed transaction code; share the distributed transaction code with each of the plurality of co-payors; identify a split factor for the transaction; and automatically settle the transaction for a portion of a transaction amount determined by the split factor.

Abstract: Systems and methods for an intelligent virtual assistant for meetings are disclosed. In one embodiment, a system for an intelligent virtual assistant for meeting may include a server comprising at least one computer processor executing a virtual assistant computer program; a communication server in communication with the server; and a plurality of communication devices in communication with the server and the communication server, wherein the communication server facilitates an electronic meeting with a plurality of attendees via the plurality of communication devices. The virtual assistant may receive at least an audio feed and a video feed of the electronic meeting in real-time, may transcribe the audio feed using a speech-recognition algorithm, may provide the transcription to at least one of the plurality of attendees, may receive an edited transcription, and may update the speech recognition algorithm based on the edited transcription.

Abstract: Systems and methods for implementing vehicle-based payments are disclosed.