Abstract: An event servicing (ES) computing device for targeting ancillary merchants based on wallet events is provided. The ES computing device receives primary purchase data for a primary purchase made by a user with a primary merchant, and determines and displays to the user one or more secondary merchants based at least in part on the primary purchase data. The ES computing device further receives secondary purchase data for at least one secondary purchase made by the user from the one or more secondary merchants and determines whether the user has requested to cancel the primary purchase. When the user has requested to cancel the primary purchase, the ES computing device automatically cancels the at least one secondary purchase. When the user has not requested to cancel the primary purchase, the ES computing device processes payment transactions for the primary purchase and the at least one secondary purchase.

Abstract: A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.

Abstract: A computer-based method for collecting digital wallet data from a digital wallet transaction initiated by a user is provided. The method includes receiving registration data for a user in response to the user registering into a digital wallet application, wherein the registration data includes demographic data and device registration data including a device identifier used for identifying the user device when in communication with another computing device. The method also includes storing the registration data within at least one memory device and receiving digital wallet data as part of a digital wallet transaction initiated by the user using the digital wallet application on the user device, wherein the digital wallet data includes transaction data, device communication data, and biometric data. The method further includes comparing the digital wallet data to the registration data and linking the digital wallet data within the at least one memory device to the registration data.

Abstract: Systems and computer-implemented methods of providing interoperability between incompatible payment systems may be provided. For example, a server may receive encoded data from a wallet server of the first closed loop payment system, the encoded data using an encoding scheme and being based on a digital encoding of a recipient. The server may identify a receiving institution of the second closed loop payment system based on the encoding scheme. The server may transmit the encoded data to the receiving institution and receive a response from the receiving institution. The response may include a recipient identifier and a recipient attribute. The server may mediate the payment from the sender closed loop account to the recipient closed loop account based on the receiving institution, the recipient identifier and the recipient attribute. For example, the server may perform clearing-and-settlement or switching-and-routing to mediate the payment.

Abstract: Systems and methods are provided for verifying a user, through an account associated with the user, in connection with a subscription of the user to a service from a service provider. One exemplary system includes a memory having an account for the user, and a platform computing device coupled to and/or including the memory. The computing device is configured to receive a request from the service provider, in connection with the user subscribing to the service, and authenticate the user. When the user is authenticated, the computing device is configured to generate a subscription message for the user comprising assurance data based on the user's account, a timestamp, and an identifier associated with the user, and transmit the subscription message to the service provider, to thereby permit the service provider to rely on the assurance data to verify the user.

Abstract: A cardholder authentication computing device for authenticating user computing devices during online payment transactions are provided. The cardholder authentication computing device leverages pre-authentication of a user by a private network to facilitate authentication of a user in the context of an online payment transaction between the user and a merchant. During the course of an online payment transaction, the cardholder authentication computing device may receive an authentication request messages containing pre-authentication data from a merchant computing device. The cardholder authentication computing device then authenticates the user based, in part, on the pre-authentication data. In certain embodiments, the cardholder authentication computing device may also determine whether one or more partner services apply to transactions between the user and the merchant based on the user's affiliation with the organization.

Abstract: Provided are a system and method for authenticating a transaction. The authentication method may be performed by a user computing device, and may include providing, to a merchant device, account information for payment of a transaction, receiving, from the merchant device, a request to authenticate the transaction using payment software of the user device, and executing the payment software in a virtual environment. The executed payment software may authenticate, with an external server, that the account is paired with the payment software of the user device, and transmit a result of the authenticating to a payment network.

Abstract: A method includes performing a first transaction using a first payment account. The first transaction includes a successful authentication of a holder of the first payment account. A record is stored of the first transaction. The record indicates that the successful authentication occurred. A request is received for a second transaction using a second payment account. The indication of the successful authentication is detected in the stored record of the first transaction. The second transaction is completed without requiring authentication of the account holder.

Abstract: A cardholder authentication computing device for authenticating user computing devices during online payment transactions are provided. The cardholder authentication computing device leverages pre-authentication of a user by a private network to facilitate authentication of a user in the context of an online payment transaction between the user and a merchant. During the course of an online payment transaction, the cardholder authentication computing device may receive an authentication request messages containing pre-authentication data from a merchant computing device. The cardholder authentication computing device then authenticates the user based, in part, on the pre-authentication data. In certain embodiments, the cardholder authentication computing device may also determine whether one or more partner services apply to transactions between the user and the merchant based on the user's affiliation with the organization.

Abstract: Provided are a system and method for authenticating a transaction. The authentication method may be performed by a user computing device, and may include providing, to a merchant device, account information for payment of a transaction, receiving, from the merchant device, a request to authenticate the transaction using payment software of the user device, and executing the payment software in a virtual environment. The executed payment software may authenticate, with an external server, that the account is paired with the payment software of the user device, and transmit a result of the authenticating to a payment network.

Abstract: A host computing device includes a processor and a memory. The host computing device is configured to receive geolocation data indicating a current location of a user computing device. The host computing device further receives a user identifier corresponding to the user. The host computing device identifies a merchant associated with the current location of the user computing device and retrieves user data associated with the user identifier. The host computing device generates a user profile message based on the user data and transmits the user profile message to a dynamic menu computing device operating a dynamic menu application. The user profile message activates the dynamic menu application and causes the dynamic menu application to display a customized list of menu items based on the user profile message.

Abstract: A method for performing on-behalf tokenization for an automated teller machine (ATM) transaction to enable cardless transactions for any institutional entity includes: receiving, by a receiver of a processing server, a withdrawal request from a first computing system, the withdrawal request including at least a payment token and transaction data; validating, by a processor of the processing server, the payment token included in the withdrawal request; transmitting, by a transmitter of the processing server, the payment token to a second computing system; receiving, by the receiver of the processing server, cryptographic data from the second computing system; transmitting, by the transmitter of the processing server, at least the payment token, cryptographic data, and transaction data to a third computing system, wherein the first computing system, third computing system, and processing server are separate and distinct systems.

Abstract: Systems and methods for QR code purchase transaction processing. In an embodiment, an interoperability computer system receives a push-type QR code payment request, validates the push-type QR code payment request, obtains local regulations governing QR code purchase transactions and at least one of a routing configuration for an originating institution (OI) and a routing configuration for a receiving institution (RI). The process also includes determining, by the interoperability computer system, that one of the OI or the RI is not configured for push-type purchase transactions or that local regulations do not permit push-type transactions, generating a pull-type QR code purchase transaction request, and transmitting the pull-type QR code purchase transaction request to a payment network.

Abstract: The disclosure herein describes scheduling an automatic payment based on a recommended payment schedule that is generated based on a cashflow pattern. Cashflow data associated with a plurality of invoices is received, the cashflow data including data associated with past paid payments, past received payments, accounts receivable, and accounts payable. A cashflow pattern is determined based on the past paid payments and the past received payments. Then, a payment pattern associated with the accounts payable is generated based on the cashflow pattern and the accounts receivable, wherein the payment pattern indicates a pattern of payments that optimizes a net present value of funds associated with the set of accounts payable over an associated period. A recommended payment schedule based on the payment pattern is then provided via a user interface and, based on receiving input in response to the provided recommended payment schedule, at least one automatic payment is scheduled based on the payment pattern.

Abstract: In one aspect, a fault intercepting computing device is provided. The fault intercepting computing devices receives a request message including an outdated key value from a client computing device, retrieves an updated key value from a key mapping database, generates a remapped request based on the request message by replacing the outdated key value with the updated key value in the request message, and transmits the remapped request to a host computing device. The fault intercepting computing device further receives an initial response from the host computing device including the updated key value, generates a surrogate response based on the initial response by replacing the updated key value with the outdated key value, appends a key remapped flag to the surrogate response, transmits the surrogate response, including the outdated key value to the client computing device.

Abstract: Processor(s) provide software that configures mobile computing devices for transmit a respective original equipment manufacturer (OEM) device credential and transmit merchant information representing an identification and preference of a respective merchant. A transaction payload is received that represents at least i) a transaction initiated between a merchant and a customer, ii) an identification of the merchant, iii) an amount of the transaction, and iv) a transaction account associated with the customer. The transaction payload is encrypted using the OEM device credential. Thereafter, the transaction payload is decrypted and validated. Furthermore, the transaction payload is encrypted using an issuer credential, and routed via a predetermined payment service provider to a device associated with the issuer.

Abstract: A metadata capture (MC) computing device including a processor in communication with a memory is provided. The processor receives metadata representative of an abandoned product within a virtual shopping cart associated with a candidate consumer and a first merchant, receives a device identifier associated with the candidate consumer, generates a cart profile associated with the candidate consumer that includes the metadata and the device identifier, compares the cart profile to a merchant criteria of a second merchant, and transmits a cart profile data packet including the metadata, the device identifier, and a recommendation to the second merchant when the cart profile meets the merchant criteria. The second merchant provides an incentive message associated with the abandoned product to the candidate consumer based upon the cart profile data packet.

Abstract: A collusion analytics (CA) computing device including a processor and a memory in communication with the processor is provided. The processor receives transaction data associated with a candidate transaction of a candidate merchant and a candidate cardholder, retrieves merchant data associated with the candidate merchant from a database, generates collusion analytics data based at least partially on the merchant data, detects potential collusion between the candidate merchant and the candidate cardholder based on the generated collusion analytics data, and transmits a collusion alert to an user computing device when potential collusion is detected.

Abstract: A method for authenticating a user identity for a data transaction is provided. The method is implemented using an identity authentication computing device in connection with a memory and a data transaction processor. The method includes receiving a request from a first user of a first client device for a data transaction with a second user, causing a second client device to prompt the second user for biometric identification information, receiving captured biometric identification information corresponding to the second user, retrieving sample biometric identification information associated with the second user, comparing the captured biometric information and the sample biometric information, determining that the captured and the sample biometric information match, completing a data transaction between the first user and the second user, and transmitting an instruction to one or more of the first client device and the second client device displaying a notification that the data transaction is completed.

Abstract: A system for authenticating a user associated with a plurality of user devices using a plurality of types of authentication information. The system includes an electronic computing device including an electronic processor. The electronic processor is configured to receive, from a user device, a request to access sensitive information and send, to the user device, a request for a first accuracy measurement for a first type of authentication information. When first accuracy measurement is below a predetermined threshold, the electronic processor sends to the user device a request for a second accuracy measurement for a second type of authentication information. When the second accuracy measurement is above or equal to the predetermined threshold, the electronic processor authenticates the user and lowers the predetermined threshold for each user device associated with a user profile, records an anomaly associated with the first type of the authentication information, or both.