Abstract: A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.

Abstract: A system may be configured to perform operations and/or steps comprising querying, by an issuer server, a network server for an alias associated with a transaction account. The issuer server may receive the alias from the network server. The issuer server may also send the alias to an issuer application. The operations may also comprise validating, by the issuer server, an account validation input entered into the issuer application. The issuer server may send an issuer signature criteria that indicate whether the account validation input is valid. The issuer application may add an alias associated with the account to a digital wallet.

Abstract: Systems and methods may comprise RFID data acquisition technology which may be embedded in a fob or tag for use in completing financial transactions. This fob may a self-contained device which includes a transponder and which may be contained on any portable form factor. For instance, the tag may be housed in a wearable transaction instrument, such as an activity tracker. The tag is configured to be used in concert with an RFID reader device.

Abstract: The system comprises approving a credit application during a single http session, transmitting an encoded secure token to a web-client participating in the http session, receiving from the mobile communications device the secure token, and transmitting the transaction account data to the mobile communications device, in response to the receiving the secure token. The system may further comprise the mobile communications device decoding the secure token.

Abstract: A method and system for tracking expenditures incurred by an entity involves determining the costs incurred, reading a file containing business model information, and allocating the costs according to the business model information. The business model information includes information regarding the internal structure of the entity including groups and sub-groups within the entity. Furthermore, value drivers of the entity and application profiles of the entity are also taken into consideration in determining whether various groups and sub-groups within the entity are performing optimally.

Abstract: The invention facilitates monitoring, identifying, allocating and distributing the costs related to the consumption of raw technology resources by an organization. The invention provides a controller for automatically billing a designated account, project, division or third party for fees associated with the computing time, use or other similar services. The system may utilize a rules engine or any other factors for dividing the billings. The system may provide loyalty points for computer usage or accept loyalty points to pay for computer usage. The system may also monitor use in substantially real-time or provide notifications and warnings related to low or excessive use. Enhanced descriptive billing statements can be created simplifying the process of reconciling fees to the computing costs. The system may also compile usage statistics and send out requests for bids to obtain improved financial arrangements or to share usage with other entities.

Abstract: A system, method, and computer program product for providing customer services on a mobile device can provide a user-interface on a mobile device to display one or more customer service options, store state information of the customer's interaction with the user-interface, and provide a user-interface element that provides the customer an option to contact a customer service agent. In response to the customer's exercising the option to contact the customer service agent, the stored state information is sent to the customer service agent.

Abstract: A system, method, and computer program product for providing customer services on a mobile device can provide a user-interface on a mobile device to display one or more customer service options, store state information of the customer's interaction with the user-interface, and provide a user-interface element that provides the customer an option to contact a customer service agent. In response to the customer's exercising the option to contact the customer service agent, the stored state information is sent to the customer service agent.

Abstract: The invention facilitates monitoring, identifying, allocating and distributing the costs related to the consumption of raw technology resources by an organization. The invention provides a controller for automatically billing a designated account, project, division or third party for fees associated with the computing time, use or other similar services. The system may utilize a rules engine or any other factors for dividing the billings. The system may provide loyalty points for computer usage or accept loyalty points to pay for computer usage. The system may also monitor use in substantially real-time or provide notifications and warnings related to low or excessive use. Enhanced descriptive billing statements can be created simplifying the process of reconciling fees to the computing costs. The system may also compile usage statistics and send out requests for bids to obtain improved financial arrangements or to share usage with other entities.

Abstract: A method and system for tracking expenditures incurred by an entity involves determining the costs incurred, reading a file containing business model information, and allocating the costs according to the business model information. The business model information includes information regarding the internal structure of the entity including groups and sub-groups within the entity. Furthermore, value drivers of the entity and application profiles of the entity are also taken into consideration in determining whether various groups and sub-groups within the entity are performing optimally.