Abstract: Disclosed are various approaches for managing payment variability by developing a schedule of monthly payments. An exemplary method of the present disclosure comprises predicting, using an eligibility data model, a level of volatility of spending for a user based on at least transaction data and transaction account balance data of the user during a previous year; predicting, using a balance prediction data model, a future spend behavior for the user during an upcoming period of time, wherein the upcoming period of time comprises a plurality of months; generating a monthly payment schedule for the user for the upcoming period of time based on the predicted future spend behavior of the user; and for each month of the upcoming period of the time, issuing a monthly payment statement to the user based on the generated monthly payment schedule. Other methods, systems, and computer-readable mediums are also presented.

Abstract: Disclosed are various embodiments relating to configuring a payment instrument for making foreign purchases in a destination country of an international traveler based at least in part on detecting a transaction for a foreign travel trip. In some examples, the system comprises a computing device that is configured to receive transaction data associated with a user profile. A transaction is identified in the transaction data based at least in part on one or more eligibility criteria. The eligibility criteria can be used to identify that the transaction is for a foreign travel event. Traveler data associated with the transaction is retrieved from a travel computing system. Offer content is generated based at least in part on a comparison between the traveler data and the user profile. Offer content is transmitted to the client device associated with the user profile.

Abstract: A system includes modularized generic framework applications that are built to be deployable across any Java based application, with the ability to maintain multiple runtime versions. Pluggable framework applications may be self-contained units of APIs and implementations. The pluggable framework applications may be written in Java. The pluggable framework applications may be independently scalable, deployable, changeable and/or replaceable modules. The pluggable framework applications may be modular, scalable, and have high availability, as well as allow for hot deployment, standardization, easy integration, and/or code reuse.

Abstract: A system includes modularized generic framework applications that are built to be deployable across any Java based application, with the ability to maintain multiple runtime versions. Pluggable framework applications may be self-contained units of APIs and implementations. The pluggable framework applications may be written in Java. The pluggable framework applications may be independently scalable, deployable, changeable and/or replaceable modules. The pluggable framework applications may be modular, scalable, and have high availability, as well as allow for hot deployment, standardization, easy integration, and/or code reuse.

Abstract: The method includes receiving a transaction inquiry about a transaction from a consumer system; identifying a transaction identifier associated with the transaction; transmitting the transaction identifier to a merchant system; requesting transaction information associated with the transaction from the merchant system; receiving the transaction information from the merchant system; and/or presenting item details associated with the transaction information to the consumer in response to the receiving the transaction information.