Abstract: Systems and methods for pairing a mobile app with a point-of-sale system and recording an availability of units from a retail package are described.

Abstract: A computer-implemented method for processing transaction messages using a social network platform between a requestor and a responder is provided. The method includes receiving a social network message including an item request and a predefined hashtagged identifier. The method further includes transmitting the social network message to one or more registered providers. The method also includes receiving a confirmation from a first registered provider of the one or more registered providers that the first registered provider will provide the requested item. The method further includes transmitting payment information for the item request to a payment processor. The method also includes transmitting a notification to the first registered provider to provide the requested item.

Abstract: A gratuity analytics computing device for generating gratuity analytics for one or more restaurants is provided. The gratuity analytics computing device includes a memory in communication with a processor. The processor programmed to receive a date range from a client computing device. The processor is further configured to receive transaction data for transactions occurring within the date range at a restaurant. The transaction data including a manager identifier, a time stamp, and an employee identifier associated with the transactions, the transaction data including authorization messages and clearing messages. The processor is further configured to match a plurality of authorization messages with a respective plurality of clearing messages.

Abstract: A method for providing a confidence score for a seller in an online marketplace includes: storing account profiles, each including one or more unique account identifiers for one or more online marketplaces; storing activity data entries, each including data for transactional activity in an online marketplace including a marketplace identifier, two or more transacting account identifiers, and activity data; receiving a confidence request that includes a specific account identifier and marketplace identifier; identifying a specific account profile that includes the specific account identifier; identifying a set of activity data entries where a transacting account identifier matches a unique account identifier in the specific account profile; determining a confidence score for the specific account profile based on the activity data included in the identified set of activity data entries; and transmitting the confidence score in response to the received confidence request.

Abstract: Systems and methods herein are related to augmented reality (AR) experiences in connection with items offered by entities. One exemplary method includes receiving, at a computing device, an AR search request from a user where the AR search request includes a search criteria and a location. The computing device then searches in a memory for at least one entity consistent with the search criteria and the location. In turn, the computing device returns an AR search response to the user, at an application of a communication device associated with the user. The AR search response includes an AR quotient indicative of a level of an AR experience at the at least one entity, thereby permitting the user to identify the level of the AR experience at the at least one entity prior to deciding to visit the at least one entity.

Abstract: A method includes receiving a transaction authorization request message in a payment account system. A relevant database entry is accessed to determine whether another payment account belonging to the account holder should be inserted into the transaction authorization request message in place of the payment account originally submitted for use in the transaction. The purpose may be to maximize loyalty reward points or otherwise to gain a benefit available by using the other payment account rather than the originally submitted payment account.

Abstract: A mobile computing device configured for enabling distribution of digital pictures is provided. Additionally, a method for enabling distribution of digital pictures and a computer-readable storage medium having computer-executable instructions embodied thereon for enabling distribution of digital pictures are provided.

Abstract: A method for facilitating a mass market purchase includes: transmitting an offer notification to a plurality of computing devices, the notification including a minimum acceptance number, product information, and transaction amount; receiving an offer acceptance from one of the computing devices, the acceptance including payment credentials associated with a transaction account; initiating placement of an authorization hold on the transaction account for the transaction amount; repeating the receiving and initiating steps a number of times for offer acceptances received by additional computing devices; and if the number of times is at least the minimum acceptance number, initiating a payment transaction for each of offer acceptance for payment of the transaction amount from the respective transaction account based on the corresponding authorization hold, or if the number of times is less than the minimum acceptance number, initiating clearing of the authorization hold corresponding to the respective offer acce

Abstract: A method for using aggregated merchant analytics to analyze merchant loan risk is provided. The method includes defining sectors of a geographic region and receiving transaction data for financial transactions occurring within a period of time, the transaction data associated with a plurality of merchants located in the geographic region. The method also includes identifying, for each merchant, one sector in which the merchant is located. The method further includes generating aggregated merchant analytics for each sector based on the transaction data associated with all merchants in the sector. The method also includes determining a total pending loan amount for a subset of the sectors, each sector in the subset having merchants with loans issued thereto, and calculating a loan risk score for each sector using the aggregated merchant analytics and the total pending loan amount. The method further includes displaying on the user computing device the aggregated merchant analytics.

Abstract: A method for providing electronic purchase reminders includes: storing communication information and a plurality of transaction data entries, each transaction data entry corresponding to a processed payment transaction and including transaction data, a transaction date, and one of a plurality of category tags; storing, for each category tag, a recurring time period; identifying a subset of transaction data entries that includes a common category tag; identifying a most recent transaction data entry of the subset o based on the transaction date, where a difference between the transaction date included in the most recent transaction data entry and a present date is at least the recurring time period associated with the common category tag; generating a purchase recommendation based on the transaction data included in each transaction data entry in the subset; and transmitting the generated purchase recommendation to a computing device based on the communication information.

Abstract: A method for identifying a dynamic checkout button with a contextual offer includes: storing, a plurality of offer data entries, each including display data, a wallet identifier, and a merchant identifier; receiving a page request from an external server, the page request including a specific merchant identifier and a device identifier; receiving a data file from a computing device corresponding to the device identifier, the data file including a specific wallet identifier; identifying a specific offer data entry where the included wallet identifier corresponds to the specific wallet identifier and where the included merchant identifier corresponds to the specific merchant identifier; identifying an image file associated with the specific wallet identifier, wherein the image file includes at least the display data included in the specific offer data entry; and transmitting the identified image file to the external server in response to the page request.

Abstract: A method for distributing a travel score includes: storing a plurality of account profiles, each including a primary account number, contact data values, and a home country; receiving itinerary data, the data including specific contact data values, a visiting country, and a travel date; identifying a specific account profile where included contact data values correspond to the specific contact data values; receiving a transaction message for a payment transaction including the primary account number included in the specific account profile, a transaction date, and a transacting country; calculating a travel score for the payment transaction based on at least (i) a correspondence between the transacting country and the visiting country, and (ii) proximity of the transaction date and the travel date; and transmitting the transaction message and the calculated travel score.

Abstract: Exemplary systems and methods are disclosed for providing access through security key pairs. One exemplary method includes generating, by a platform, a key pair specific to a user and associated with an access period to an asset, where the key pair includes a first key and a second key associated with the first key, and storing the key pair in a data structure. The method also includes distributing the first key to an application associated with the user and distributing the second key to an access system of the asset. The method further includes receiving an access request for the asset during the access period and including the first key, identifying from the data structure the second key of the key pair based on the received first key, and transmitting a message including the second key to the access system for allowing, or not, access to the asset.

Abstract: Embodiments relate to a system, method and medium for facilitating automated distribution of a stated item to two or more receivers, where each of the receivers are associated with one or more entities. A selection device receives information indicating the receivers authorized to receive a stated item. The selection device is used to select which of multiple authorized receivers are to receive the stated item. Once the selector has made the selections, a stated item in a quantity determined by the selector is directed to the selected receivers.

Abstract: Systems and methods are provided for facilitating enrollment of consumers in programs associated with entities. One exemplary method includes, in response to a selection of registration for an account with an entity, calling an application programing interface (API) associated with a virtual wallet platform, and receiving from the virtual wallet platform, via the API, a token associated with the entity. The method also includes displaying the token to a user and receiving, from the virtual wallet platform, a packet of personal identifying information for the user. The method further includes populating an application for registration of the user for the account with the personal identifying information included in the packet, and, upon an input from the user, enrolling the user in a program associated with the entity, based on the personal identifying information included in the packet, and providing the account to the user.

Abstract: An apparatus for generating personal profile scores can include a processor that can receive, from different sensors, different types of sensor measurements for different individuals. The processor can calculate individual sensor scores corresponding to different types of sensor measurements. The processor can calculate a regional average score for different types of sensor measurements based on the sensor measurements from a subset of sensors associated with individuals located in a particular geographic region. The processor can determine an adjusted sensor score for each of different types of sensor measurements, wherein the adjusted sensor score for each type of sensor measurement comprises an individual sensor score normalized by a corresponding regional average score for that corresponding type of sensor measurement. The processor can determine an adjusted personal profile score by compositing the adjusted sensor scores for each of the different types of sensor measurements.

Abstract: A method includes, receiving one or more merchant profiles, wherein each merchant profile includes data related to a related merchant including at least a respective merchant identifier, a respective merchant geolocation, and one or more payment methods accepted by the respective merchant as a form of payment; determining a geolocation associated with a mobile device of a consumer; identifying a first merchant profile, of the one or more merchant profiles, associated with a first merchant, wherein the geolocation associated with the mobile device of the consumer corresponds to the merchant geolocation included in the identified first merchant profile; transmitting an indication of the one or more payment methods accepted by the first merchant as a form of payment; and causing the mobile device of the consumer to output information associated with the one or more payment methods accepted by the first merchant.

Abstract: An application for a payment card account is received from a consumer. A positive determination is made on the application. In response to the positive determination, a virtual payment card account is made instantly available for use by the consumer in a digital wallet accessible to the consumer.

Abstract: A method of transmitting data from a digital wallet on a user device to a designated server for use by a transaction card application process on the designated server. The method includes receiving code data generated by scanning a code image using the digital wallet on the user device, the code image being associated with a transaction card offer. The code image includes encoded data relating to the transaction card, including an identity of the designated server. The method further includes displaying information relating to the transaction card application process on the user device, the displayed information being generated based at least in part on the code data. The method further includes transmitting, to the designated server, user data for use in the transaction card application process at least a portion of the user data being securely stored by the digital wallet.

Abstract: A merchant score (MS) computing device for generating merchant lending scores for business loans is provided. The MS computing device receives a score request including a merchant identifier associated with a candidate merchant, determines a geolocation and a merchant category associated with the candidate merchant based at least in part on the score request, and retrieves transaction data associated with transactions for a plurality of merchants including the candidate merchant and a set of peer merchants. Each peer merchant is associated with the geolocation and merchant category of the candidate merchant. The MS computing device further compares the transaction data associated with the candidate merchant to the transaction data associated with the peer merchants, generates a merchant lending score associated with the candidate merchant that indicates a relative performance level based on the comparison, and transmits the merchant lending score to a requestor computing device.