Abstract: Systems and methods for automatic management of multiple accounts are provided. Example embodiments of the present disclosure provide a server configured to authenticate a user, detect the user is visiting an online website associated with a merchant, create a user account with the merchant for the user, where the user account including a user name and a password. The server can be further configured to retrieve personal identifiable information (PII) of the user from a financial account associated with the user, where the PII including information of a payment card of the user, provision the PII of the user to the merchant; and store the password.

Abstract: Embodiments disclosed are directed to a computing system that performs steps for entity integration. The computing system receives, from a user device, an electronic request to associate a first online account of a user associated with a first entity with a second online account of the user associated with a second entity. The computing system authenticates the user device to verify that an identity of the user is authentic. The computing system determines whether the second online account exists and, if so, identifies a match between a first user property of the first online account and a second user property of the second online account. Based on the identified match, the computing system links the first online account with the second online account and updates, based on a first online account property of the first online account, a second online account property of the second online account.

Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

Abstract: A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

Abstract: A comforter according to aspects of the disclosure includes a first fabric panel, a second fabric panel, and a baffle floor. The baffle floor extends between the first and second vertical edges of the comforter. The baffle floor has a first end attached to the first fabric panel and a second end attached to the second fabric panel. The first end of the baffle floor is attached to the first fabric at a first position and the second end of the baffle floor is attached to the second fabric panel at a second position, the first and second positions being vertically spaced apart from one another in a direction extending between the first and second lateral edges.