Abstract: An onboarding system for onboarding merchants in real-time using digital activity client (DAC) data is provided. The onboarding system includes at least one onboarding computing device configured to generate one or more risk score rules based on a first set of DAC data received from a DAC computing device and one or more acquirer parameters received from an acquirer computing device. The onboarding computer device is also configured to transmit the one or more risk score rules to the DAC computing device, and receive a risk score for a merchant from the DAC computing device. The onboarding computing device is further configured to compare the risk score to a risk score threshold, and determine, based on the comparison, whether to approve or decline the merchant to onboard in the onboarding system.

Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.

Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.

Abstract: Disclosed are systems and methods for providing secure end-to-end transactions between consumers, merchants, and banks. A unique identifier is generated based on information specific to the device and information specific to the user and stored in a secure area of a device. A programming module executing on the device may initiate a transaction and interact with a merchant system to complete the transaction. Information provided by the programming module may enable the merchant system to negotiate with a banking system to complete the transaction. Profile information of a user may be collected by a programming module according to user selected preferences. An interface system may provide visual content to a merchant system and a banking system to verify consumer identity.

Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.

Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.

Abstract: An onboarding system for onboarding merchants in real-time using digital activity client (DAC) data is provided. The onboarding system includes at least one onboarding computing device configured to generate one or more risk score rules based on a first set of DAC data received from a DAC computing device and one or more acquirer parameters received from an acquirer computing device. The onboarding computer device is also configured to transmit the one or more risk score rules to the DAC computing device, and receive a risk score for a merchant from the DAC computing device. The onboarding computing device is further configured to compare the risk score to a risk score threshold, and determine, based on the comparison, whether to approve or decline the merchant to onboard in the onboarding system.

Abstract: Embodiments are described that are directed to optimizing the provisioning of account credentials to mobile devices utilizing mobile wallets. In some embodiments, provisioned credentials may be immediately usable for restricted applications, and then fully activated at a later time after the user is authenticated.

Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.

Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.

Abstract: Embodiments track and summarize a user's purchasing activity. Tracking a user's purchasing activity, according to some embodiments, involves accessing user emails and payment transaction data, parsing the emails and payment transaction data to obtain relevant purchase data, and/or obtaining relevant purchase data via other channels from the user, merchants, financial institutions, and other entities. Summarizing a user's purchasing activity, according to some embodiments, involves generating a summary report organized around the user's individual purchase transactions. The summary reports, for example, help users track and manage their purchases, such as by enabling users to keep track of which items were purchased from which merchants and for how much, and whether the items have been shipped, delivered, canceled, etc.

Abstract: Embodiments track and summarize a user's purchasing activity. Tracking a user's purchasing activity, according to some embodiments, involves accessing user emails and payment transaction data, parsing the emails and payment transaction data to obtain relevant purchase data, and/or obtaining relevant purchase data via other channels from the user, merchants, financial institutions, and other entities. Summarizing a user's purchasing activity, according to some embodiments, involves generating a summary report organized around the user's individual purchase transactions. The summary reports, for example, help users track and manage their purchases, such as by enabling users to keep track of which items were purchased from which merchants and for how much, and whether the items have been shipped, delivered, canceled, etc.

Abstract: Embodiments track and summarize a user's purchasing activity. Tracking a user's purchasing activity, according to some embodiments, involves accessing user emails and payment transaction data, parsing the emails and payment transaction data to obtain relevant purchase data, and/or obtaining relevant purchase data via other channels from the user, merchants, financial institutions, and other entities. Summarizing a user's purchasing activity, according to some embodiments, involves generating a summary report organized around the user's individual purchase transactions. The summary reports, for example, help users track and manage their purchases, such as by enabling users to keep track of which items were purchased from which merchants and for how much, and whether the items have been shipped, delivered, canceled, etc.