Abstract: A new approach is proposed to support instant merchant activation for secured in-person payment at a point of sale (POS) of a merchant. When a customer initiates an in-person payment request at a payment initiation device associated with the merchant, the payment initiation device collects both sensitive and non-sensitive portions of electronic payment transaction data for the request and encrypts the sensitive data portion for secured transmission. A payment gateway in the payment transaction process relays the data and the payment request to a payment processor for approval by an issuer and transmits only the non-sensitive portion of the data to a payment service engine for risk analysis if the payment request is approved by the issuer. The payment service engine determines if the payment request is at high risk based on risk analysis of non-sensitive portion of the data and notifies the payment initiation device and/or merchant accordingly.

Abstract: A new approach is proposed to support instant merchant activation for secured in-person payment at a point of sale (POS) of a merchant. When a customer initiates an in-person payment request at a payment initiation device associated with the merchant, the payment initiation device collects both sensitive and non-sensitive portions of electronic payment transaction data for the request and encrypts the sensitive data portion for secured transmission. A payment gateway in the payment transaction process relays the data and the payment request to a payment processor for approval by an issuer and transmits only the non-sensitive portion of the data to a payment service engine for risk analysis if the payment request is approved by the issuer. The payment service engine determines if the payment request is at high risk based on risk analysis of non-sensitive portion of the data and notifies the payment initiation device and/or merchant accordingly.

Abstract: A system includes one or more client members connected to one or more primary users and/or one or more end users. The client member receives risk data from the primary user and the end user, and the risk data includes one or more risk variables. A service provider is connected to the client member, and receives at least one of the risk variables from the client member and identifies whether the risk variable corresponds to an undefined type value or a predefined type value. The service member updates an existing database by storing the risk variable under a non-standard type category when the risk variable is identified as the undefined type value. The service member determines whether the received risk variable is a viable risk and a notification is transmitted to the client member when the viable risk is determined.

Abstract: A system includes a computing device that receives risk variables associated with risk data and that associates the risk variables with a plurality of nodes such that each of the risk variables corresponds to a separate node. The computing device analyzes the nodes to identify a level of consistency or a level of inconsistency for each of the nodes and creates a plurality of links such that each of the links connects a separate node with at least one associated related node. The computing device uses each of the links to record data related to the level of consistency or the level of inconsistency identified for the corresponding connected nodes, wherein each of the links corresponds to separate recorded data. The computing device provides a score for each of the links based on the corresponding recorded data and determines the threat of a viable risk based on the provided score.

Abstract: A system includes one or more client members connected to one or more primary users and/or one or more end users. The client member receives risk data from the primary user and the end user, and the risk data includes one or more risk variables. A service provider is connected to the client member, and receives at least one of the risk variables from the client member and identifies whether the risk variable corresponds to an undefined type value or a predefined type value. The service member updates an existing database by storing the risk variable under a non-standard type category when the risk variable is identified as the undefined type value. The service member determines whether the received risk variable is a viable risk and a notification is transmitted to the client member when the viable risk is determined.

Abstract: A computing apparatus includes at least one interface that receives a request for at least one route to an end destination. The interface provides image icons for transportation modes for use for the route, wherein each of the image icons corresponds to a different transportation mode. The interface receives an activation of at least two of the image icons, wherein the activation represents that the corresponding transportation modes have been selected. A processor is coupled to the user interface and receives a notification of the selection of the transportation modes and obtains a plan that includes the route, wherein the route includes a combination of the selected transportation modes. The processor transmits an image representative of the plan to the interface to enable a user to use the plan to travel to the end destination via the combination of the selected transportation modes.