Abstract: A computer-implemented method for detecting potentially compromised payment cards is provided. The method uses a processor in communication with a memory. The method includes storing a plurality of tokens. Each token includes merchant identification data corresponding to a first merchant. The method also includes transmitting the plurality of tokens to the first merchant and receiving an authorization request message from a merchant. The authorization request message includes a token and a merchant identifier corresponding to the merchant. The method further includes determining that the received token is one of the plurality of tokens associated with the first merchant, determining that the merchant identifier does not correspond to the first merchant, transmitting a message including instructions to decline the transaction, and attaching a potentially compromised flag to the first merchant. The potentially compromised flag indicates a heightened probability of fraudulent activity.

Abstract: Systems and methods are provided for use in implanting account controls based on conditional states of users associated with the accounts. One exemplary method general includes receiving, by a computing device, status data for a user where the status data is indicative of a current conditional state of the user. The method also includes accessing, by the computing device, at least one account control rule for an account associated with the user, where the at least one account control rule associated with a conditional state, and activating, by the computing device, the at least one account control rule when the current conditional state of the use is the same as the conditional state associated with the at least one account control rule.

Abstract: Systems and methods are provided for use in locating one or more merchant terminals based on transaction data associated with the terminals. One exemplary method generally includes accessing, by a computing device, transaction data for a transaction to a payment account between a merchant and a consumer at a merchant terminal where the transaction data includes a terminal ID for the merchant terminal, a merchant ID of the merchant, an acquirer ID for an acquirer associated with the merchant, and a temporal indicator. In addition, the method includes receiving, by the computing device, location data associated with the transaction, identifying, by the computing device, a location associated with the location data as a location of the merchant terminal, and assigning, by the computing device, a score to the identified location indicative of a confidence that the identified location is the actual location of the merchant terminal.

Abstract: A text-to-speech (TTS) computing includes a processor and a memory. The TTS computing device is configured to generate a machine pronunciation of a text data according to at least one phonetic rule, and provide the machine pronunciation to a user interface of the TTS computing device such that the machine pronunciation is audibly communicated to a user of the TTS computing device. The TTS computing device is also configured to receive a pronunciation correction of the machine pronunciation from the user via the user interface, and store the pronunciation correction in a TTS data source. The TTS computing device is further configured to assign the pronunciation correction provided by the user to a user profile that corresponds to the text data.

Abstract: Systems and methods are provided for use in locating one or more merchant terminals based on transaction data associated with the terminals. One exemplary method generally includes accessing, by a computing device, transaction data for a transaction to a payment account between a merchant and a consumer at a merchant terminal where the transaction data includes a terminal ID for the merchant terminal, a merchant ID of the merchant, an acquirer ID for an acquirer associated with the merchant, and a temporal indicator. In addition, the method includes receiving, by the computing device, location data associated with the transaction, identifying, by the computing device, a location associated with the location data as a location of the merchant terminal, and assigning, by the computing device, a score to the identified location indicative of a confidence that the identified location is the actual location of the merchant terminal.

Abstract: A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.

Abstract: A text-to-speech (TTS) computing includes a processor and a memory. The TTS computing device is configured to generate a machine pronunciation of a text data according to at least one phonetic rule, and provide the machine pronunciation to a user interface of the TTS computing device such that the machine pronunciation is audibly communicated to a user of the TTS computing device. The TTS computing device is also configured to receive a pronunciation correction of the machine pronunciation from the user via the user interface, and store the pronunciation correction in a TTS data source. The TTS computing device is further configured to assign the pronunciation correction provided by the user to a user profile that corresponds to the text data.

Abstract: The present disclosure provides for systems and methods for pre-authenticating a user over a network, the system including an authentication computing device configured to receive, over a first computer network, a pre-authentication signal from a client device, determine an account number associated with a payment card of the user, verify i) that the user has satisfied at least one security measure, and ii) that the account number is associated with the client device, store the account number in association with a timer, initiate the timer, monitor, until the timer expires, a second computer network to detect an authorization request message for a transaction having the account number, and embed a digital authentication flag in the authorization request message when the authorization request message is detected before the timer expires, the digital authentication flag indicating that the transaction has been pre-authenticated.

Abstract: A method for posting of anonymous directed transaction includes: storing a plurality of entity profiles, each including an entity identifier and a secret value; receiving a transaction request from a first entity, the request including transaction data and a specific entity identifier associated with a second entity; identifying a specific entity profile that includes the specific entity identifier; generating a first hash value via application of one or more hashing algorithms to the transaction data; generating a second hash value via application of one of more hashing algorithms to a combination of the first hash value and the secret value included in the identified specific entity profile; and posting the first hash value and second hash value to a publicly accessible data source.

Abstract: A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.

Abstract: A text-to-speech (TTS) computing includes a processor and a memory. The TTS computing device is configured to generate a machine pronunciation of a text data according to at least one phonetic rule, and provide the machine pronunciation to a user interface of the TTS computing device such that the machine pronunciation is audibly communicated to a user of the TTS computing device. The TTS computing device is also configured to receive a pronunciation correction of the machine pronunciation from the user via the user interface, and store the pronunciation correction in a TTS data source. The TTS computing device is further configured to assign the pronunciation correction provided by the user to a user profile that corresponds to the text data.

Abstract: A text-to-speech (TTS) computing includes a processor and a memory. The TTS computing device is configured to generate a machine pronunciation of a text data according to at least one phonetic rule, and provide the machine pronunciation to a user interface of the TTS computing device such that the machine pronunciation is audibly communicated to a user of the TTS computing device. The TTS computing device is also configured to receive a pronunciation correction of the machine pronunciation from the user via the user interface, and store the pronunciation correction in a TTS data source. The TTS computing device is further configured to assign the pronunciation correction provided by the user to a user profile that corresponds to the text data.

Abstract: Systems and methods for use in identifying payment accounts to segments are provided. One exemplary method includes receiving a first indicator for a first location from a communication device, where the communication device is associated with a consumer and the consumer is associated with a payment account issued to the consumer by an issuer. The method also includes appending, by a computing device, the payment account to a first segment based on the first location indicator, and causing at least one rule associated with the payment account to be modified where the at least one rule relates to authorization of transactions in a first region including the first location.

Abstract: Systems and methods for use in segmenting payment accounts based on threat events are disclosed. An exemplary method includes identifying, by a computing device, a payment account associated with a threat event, appending, by the computing device, the payment account to a risk segment, and causing review of the payment account based on inclusion of the payment account in said risk segment. The threat event may include a contact by a risk associated computing device accessing the payment account, or a contact by a risk associated user accessing the payment account.

Abstract: Systems and methods are provided for use in locating one or more merchant terminals based on transaction data associated with the terminals. One exemplary method generally includes accessing, by a computing device, transaction data for a transaction to a payment account between a merchant and a consumer at a merchant terminal where the transaction data includes a terminal ID for the merchant terminal, a merchant ID of the merchant, an acquirer ID for an acquirer associated with the merchant, and a temporal indicator. In addition, the method includes receiving, by the computing device, location data associated with the transaction, identifying, by the computing device, a location associated with the location data as a location of the merchant terminal, and assigning, by the computing device, a score to the identified location indicative of a confidence that the identified location is the actual location of the merchant terminal.

Abstract: A computer-implemented method for detecting potentially compromised payment cards is provided. The method uses a processor in communication with a memory. The method includes storing a plurality of tokens. Each token includes merchant identification data corresponding to a first merchant. The method also includes transmitting the plurality of tokens to the first merchant and receiving an authorization request message from a merchant. The authorization request message includes a token and a merchant identifier corresponding to the merchant. The method further includes determining that the received token is one of the plurality of tokens associated with the first merchant, determining that the merchant identifier does not correspond to the first merchant, transmitting a message including instructions to decline the transaction, and attaching a potentially compromised flag to the first merchant. The potentially compromised flag indicates a heightened probability of fraudulent activity.

Abstract: A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message.