Abstract: Systems, methods, and devices for payment product verification and authorization using a customer identifier are disclosed. In some aspects, techniques described herein relate to receiving, by a payment product provider and from a payment processor, a customer identifier; querying a datastore of customers of the payment product provider with a parameterized query, where the customer identifier is a parameter of the query; determining, based on the query, that the customer identifier is associated with customer profile data of the payment product provider; determining payment product data associated with the customer profile data; returning, by the payment product provider and to the payment processor, a positive eligibility indication based on the customer profile data and the payment product data; receiving, by the payment product provider and from the payment processor, a customer approval indication; and sending, by the payment product provider and to the payment processor, the payment product data.

Abstract: Systems, methods, and devices for payment product verification and authorization using a customer identifier are disclosed. In some aspects, techniques described herein relate to receiving, by a payment product provider and from a payment processor, a customer identifier; querying a datastore of customers of the payment product provider with a parameterized query, where the customer identifier is a parameter of the query; determining, based on the query, that the customer identifier is associated with customer profile data of the payment product provider; determining payment product data associated with the customer profile data; returning, by the payment product provider and to the payment processor, a positive eligibility indication based on the customer profile data and the payment product data; receiving, by the payment product provider and from the payment processor, a customer approval indication; and sending, by the payment product provider and to the payment processor, the payment product data.

Abstract: Systems and methods for automated geolocation tagging for location coordinates in customer profiles are disclosed. A method may include: (1) receiving, at a safe space computer program and from a customer electronic device associated with a customer, safe space locations, wherein the safe space locations require a lower level of customer authentication than other locations; (2) receiving, by the safe space computer program and from the customer electronic device, a transaction; (3) determining, by the safe space computer program, the customer electronic device is in one of the safe space locations; and (4) authorizing, by the safe space computer program, the transaction with the lower level of customer authentication.

Abstract: Various methods, apparatuses/systems, and media for cancelling online subscription are disclosed. A processor grants an access to a customer's card subscription payment details data received from a database to a mobile operating system embedded within a mobile device of a customer The processor calls a first API to retrieve and display a list of merchants with active subscriptions tied to the customer's card to cancel a corresponding active subscription; and calls a second API to allow cancellation of the corresponding active subscription. The processor receives an input via the GUI to select a merchant associated with the corresponding active subscription the customer wants to cancel; and cancels the corresponding active subscription associated with the selected merchant.

Abstract: An embodiment of the present invention is directed to a Temporal CVV2 of CVV, which may be represented as a temporary three digit number generated using unique credentials associated with a card product. According to an embodiment of the present invention, the Temporal CVV2 may be generated for each transaction request or other defined set of transactions based on one or more factors, including time period/limit, usage, fraud/risk considerations. With this solution, a customer may request a new Temporal CVV2 each time a purchase is initiated. This may include online purchases, e-commerce transactions, manual link and provision requests, customer authentication for servicing channels, etc. An embodiment of the present invention seeks to mitigate risk and provide a safer and secure solution for customers while providing flexibility to make various purchases before a new card arrives.

Abstract: Systems and methods for using token application programming interfaces are disclosed. According to an embodiment, a method for using token programming interfaces may include: (1) receiving, at an eligibility application programming interface (API), a token or a Digital Primary Account Number (DPAN) for a financial instrument from a merchant or a payment facilitator backend; (2) calling, by the eligibility API, a Funding Primary Account Number (FPAN) lookup API with the token or DPAN; (3) receiving, by the eligibility API, the FPAN for the token or DPAN from the FPAN lookup API; (4) generating, by the eligibility API, an issuer reference identifier for the FPAN; (5) storing, by the eligibility API, a mapping between the FPAN and the issuer reference identifier; and (6) communicating, by the eligibility API and via the eligibility API, the issuer reference identifier to the merchant or the payment facilitator backend.

Abstract: Systems and methods for using token application programming interfaces are disclosed. According to an embodiment, a method for using token programming interfaces may include: (1) receiving, at an eligibility application programming interface (API), a token or a Digital Primary Account Number (DPAN) for a financial instrument from a merchant or a payment facilitator backend; (2) calling, by the eligibility API, a Funding Primary Account Number (FPAN) lookup API with the token or DPAN; (3) receiving, by the eligibility API, the FPAN for the token or DPAN from the FPAN lookup API; (4) generating, by the eligibility API, an issuer reference identifier for the FPAN; (5) storing, by the eligibility API, a mapping between the FPAN and the issuer reference identifier; and (6) communicating, by the eligibility API and via the eligibility API, the issuer reference identifier to the merchant or the payment facilitator backend.

Abstract: Systems and methods for using token application programming interfaces are disclosed. According to an embodiment, a method for using token programming interfaces may include: (1) receiving, at an eligibility application programming interface (API), a token or a Digital Primary Account Number (DPAN) for a financial instrument from a merchant or a payment facilitator backend; (2) calling, by the eligibility API, a Funding Primary Account Number (FPAN) lookup API with the token or DPAN; (3) receiving, by the eligibility API, the FPAN for the token or DPAN from the FPAN lookup API; (4) generating, by the eligibility API, an issuer reference identifier for the FPAN; (5) storing, by the eligibility API, a mapping between the FPAN and the issuer reference identifier; and (6) communicating, by the eligibility API and via the eligibility API, the issuer reference identifier to the merchant or the payment facilitator backend.

Abstract: Systems, methods, and devices for payment product verification and authorization using a customer identifier are disclosed. In some aspects, techniques described herein relate to receiving, by a payment product provider and from a payment processor, a customer identifier; querying a datastore of customers of the payment product provider with a parameterized query, where the customer identifier is a parameter of the query; determining, based on the query, that the customer identifier is associated with customer profile data of the payment product provider; determining payment product data associated with the customer profile data; returning, by the payment product provider and to the payment processor, a positive eligibility indication based on the customer profile data and the payment product data; receiving, by the payment product provider and from the payment processor, a customer approval indication; and sending, by the payment product provider and to the payment processor, the payment product data.

Abstract: An embodiment of the present invention is directed to a Temporal CVV2 of CVV, which may be represented as a temporary three digit number generated using unique credentials associated with a card product. According to an embodiment of the present invention, the Temporal CVV2 may be generated for each transaction request or other defined set of transactions based on one or more factors, including time period/limit, usage, fraud/risk considerations. With this solution, a customer may request a new Temporal CVV2 each time a purchase is initiated. This may include online purchases, e-commerce transactions, manual link and provision requests, customer authentication for servicing channels, etc. An embodiment of the present invention seeks to mitigate risk and provide a safer and secure solution for customers while providing flexibility to make various purchases before a new card arrives.

Abstract: A dispenser for spreadable foodstuffs and other spreadable non-food substances allowing for spreading without the need for additional utensils not a part of the packaging is disclosed. The dispenser may rapidly switch between different disposable cartridges and is designed for an extended useful lifetime.

Abstract: A dispenser for fluid material that facilitates spreading of the fluid material is disclosed. The dispenser can comprise a unitary construction, or can be composed of a plurality of components that can be fastened together. Disposable cartridges containing fluid material can be attached to the dispenser, and the material within can be dispensed on a surface. The dispenser provides metered dispensing.

Abstract: A dispensing system for spreadable foodstuffs and spreadable non-food substances allowing for dispensing of metered amounts of product and spreading without the need for additional utensils not part of the packaging is disclosed. The system is composed of a disposable container containing a spreadable food stuff or non-food substance. The container comprises a mechanism for dispensing said foodstuff or non-food substances while proportionally decreasing the volume of the container. An alternative embodiment discloses a disposable dispenser allowing for spreading foodstuffs or non-food substances without any additional utensils in an ultra-portable unit without mechanical components.

Abstract: A dispenser for spreadable foodstuffs and other spreadable substances allowing for spreading without the need for additional utensils not a part of the packaging is disclosed. The dispenser may rapidly switch between different disposable cartridges. Part of the dispenser is designed for an extended useful lifetime while the spreadable product is delivered in a disposable container. The dispenser can also be used to measure precise amounts of spreadable foodstuff and other spreadable products without the use of any additional measuring devices.

Abstract: A dispenser for food material that facilitates spreading of the material is disclosed. The dispenser can comprise a unitary construction, or can be composed of a plurality of components that can be fastened together. Disposable cartridges containing food material can be attached to the dispense, and the material within can be dispensed into a utensil such as a spoon for serving. The dispense provides metered dispensing.

Abstract: A dispenser for spreadable foodstuffs or spreadable non-food substances allowing for dispensing of metered amounts of foodstuffs or non-food substances and spreading without the need for additional utensils that are not part of the packaging is disclosed. Dispenser is easily refilled with replaceable cartridges and designed to keep contents away from air as contents are dispensed.

Abstract: A dispenser for spreadable foodstuffs or spreadable non-food substances allowing for spreading without the need for additional utensils that are not part of the packaging is disclosed. Dispenser is easily refilled with replaceable cartridges and designed to keep food away from air as contents are dispensed.

Abstract: A dispensing system for spreadable foodstuffs and spreadable non-food substances allowing for dispensing of metered amounts of foodstuffs or non-food substances and spreading without the need for additional utensils not part of the packaging is disclosed. The system is composed of a disposable cartridge containing a spreadable product and a reusable dispenser that acts to dispense product from the disposable cartridge. The dispenser may rapidly switch between different disposable cartridges.

Abstract: A dispenser for spreadable foodstuffs and other spreadable non-food substances allowing for spreading without the need for additional utensils not a part of the packaging is disclosed. The dispenser may rapidly switch between different disposable cartridges and is designed for an extended useful lifetime.