Abstract: Various implementations include systems and approaches for determining user oxygen saturation level, and in certain cases, performing an action based on that determination. Particular aspects include a monitoring system having at least one pressure sensor for detecting air pressure in an environment proximate the at least one pressure sensor, and a processor coupled with the at least one pressure sensor, where the processor is programmed to receive air pressure data from the pressure sensor about the environment, determine an oxygen saturation level for a user in the environment based on the air pressure data, and in response to determining the oxygen saturation level of the user has met one or more predetermined conditions, perform an action.

Abstract: An input device associated with a user and an issuer computer system associated with an issuer are coupled to an interchange computer system associated with a network interchange. The interchange computer system is configured to authenticate an identity of a user of a transaction card as a legitimate cardholder. More specifically, the interchange computer system is configured to receive a registration request from the user using the input device wherein the registration request includes an account number or a name associated with the transaction card, generate an authentication message in response to the registration request, transmit the authentication message to an issuer of the transaction card wherein the issuer provides the authentication message to the user, and receive the authentication message from the user entering the authentication message into the input device to authenticate the identity of the user as the legitimate cardholder.

Abstract: A general-purpose payment card product is linked to a designated reimbursement account. A payment card authorization request is obtained, with a full amount and a reimbursement eligible amount included therein, based on a transaction with the payment card product at a merchant. In one aspect, a payment card authorization response is returned to the merchant from an issuer of the payment card product, based on the full amount. A funding request is initiated, for the reimbursement eligible amount, from the designated reimbursement account. The payment card product and the designated reimbursement account are managed separately. In an alternative, the authorization request is intercepted by an operator of a payment network. The operator initiates a first operator authorization request for the reimbursement eligible amount, and a second operator authorization request for the full amount less the portion of the reimbursement eligible amount, and returns a coordinated response to the merchant.

Abstract: According to some embodiments, a payment system authorization platform may receive an authorization message from an acquirer platform. The payment system authorization platform may determine that the authorization request meets a pre-determined condition and transmit information about the authorization message to an analytics rules engine, such as by transmitting the authorization message. The analytics rules engine may analyze the information about the authorization message in accordance with at least one rule to generate a result and transmit information about the authorization message to the payment system authorization platform, such as by transmitting a supplemented authorization message or an authorization approval decision, including an indication that the authorization message is assigned to a segmentation dimension category.

Abstract: Systems and methods for conducting 3-D Secure transactions on-behalf-of (OBO) merchants. In an embodiment, a payer authentication response (PARes) message indicating enrollment in the 3-D Secure OBO merchants authentication service is received from an access control server by a computer and stored. The computer later receives a purchase transaction authorization request message, determines that data of the purchase transaction authorization request message matches stored PARes message data, and then injects a UCAF into the purchase transaction authorization request message to generate an updated transaction authorization request message. The updated transaction request message is then transmitted to an issuer financial institution for 3-D Secure purchase transaction authorization processing.

Abstract: According to some embodiments, a payment system authorization platform may receive an authorization message from an acquirer platform. The payment system authorization platform may determine that the authorization request meets a pre-determined condition and transmit information about the authorization message to an analytics rules engine, such as by transmitting the authorization message. The analytics rules engine may analyze the information about the authorization message in accordance with at least one rule to generate a result and transmit information about the authorization message to the payment system authorization platform, such as by transmitting a supplemented authorization message or an authorization approval decision.

Abstract: A method for identifying fraud factors includes: storing data points; storing financial transactions; storing a plurality of consumer data entries, each data entry associated with a consumer and including a mobile device identifier and account identifier; identifying a home market for a data entry based on usage patterns of an associated financial account; identifying, at a predetermined time, a geographic location of a mobile device associated with the data entry; storing a location data point for the geographic location if the geographic location is outside of a predetermined distance from the home market, wherein the location data point includes the identified geographic location, the consumer associated with the data entry, and a time and/or date at which the geographic location was identified; and identifying a fraud factor for detecting fraud in a transaction, the fraud factor based on the financial transactions, the data points, and the location data point.

Abstract: A service provider computer receives a request for a transfer of a remittance amount from a sender's payment card account to a recipient without an account. The service provider computer transmits a transaction authorization request and a hold on the sender's payment card account for the remittance amount via a payment card system to the sender's financial institution (FI), receives transaction request approval, and establishes a transaction data record. The service provider computer then transmits the transaction identification code to the sender, receives a transaction identification code and a transaction data record validity request from a receiving FI, provides the transaction data record, and receives the transaction identification code and a newly issued recipient payment card account number from the receiving FI.

Abstract: A system, method, and computer-readable storage medium configured to store a premium list of accounts of ATM cardholders, wherein the list includes primary account numbers (PANs) associated with the accounts of the ATM cardholders, and to allow the ATM transaction to proceed unblocked if the PAN of the transaction appears on the premium list even if the transaction would otherwise be blocked by the controller based on one or more fraud prevention rules.

Abstract: A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient.

Abstract: A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant. The method includes receiving, at the interchange computer, a payer authentication request message from the merchant, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment, a response time limit, and item purchase information. The cardholder is prompted to enter access credential information. The entered access credential information is verified at the interchange computer. The cardholder is prompted to select a transaction card from one or more transaction cards associated with the cardholder.

Abstract: A method for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol is provided. The transaction is initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant. The method includes receiving at the interface module initial identification (ID) data from a merchant computer wherein the interface module is a computer module separate from the merchant computer, generating a first verification enrollment request (VEReq) message based on the initial ID data that includes at least one of a merchant identifier and an account number, transmitting the first VEReq message, receiving a verification enrollment response (VERes) message affirmatively verifying enrollment of the merchant in an express check out program, and generating at the interface module a payer authentication request (PAReq) message using the enhanced protocol that defines a first set of data field extensions.

Abstract: A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient.

Abstract: A method for communicating financial transaction data between a plurality of computer devices using an interface module and an enhanced protocol is provided. The transaction is initiated by a cardholder at an input terminal using a transaction card for completing a purchase from a merchant. The method includes receiving at the interface module initial identification (ID) data from a merchant computer wherein the interface module is a computer module separate from the merchant computer, generating a first verification enrollment request (VEReq) message based on the initial ID data that includes at least one of a merchant identifier and an account number, transmitting the first VEReq message, receiving a verification enrollment response (VERes) message affirmatively verifying enrollment of the merchant in an express check out program, and generating at the interface module a payer authentication request (PAReq) message using the enhanced protocol that defines a first set of data field extensions.

Abstract: A system and computer-based method for performing a financial transaction using an interchange computer coupled to a database, the interchange computer and database associated with an interchange network, the transaction initiated by a cardholder with a merchant. The method includes receiving, at the interchange computer, a payer authentication request message from the merchant, the payer authentication request message associated with the cardholder and including data representing at least one of transaction card brands supported for payment, a response time limit, and item purchase information. The cardholder is prompted to enter access credential information. The entered access credential information is verified at the interchange computer. The cardholder is prompted to select a transaction card from one or more transaction cards associated with the cardholder.

Abstract: An input device associated with a user and an issuer computer system associated with an issuer are coupled to an interchange computer system associated with a network interchange. The interchange computer system is configured to authenticate an identity of a user of a transaction card as a legitimate cardholder. More specifically, the interchange computer system is configured to receive a registration request from the user using the input device wherein the registration request includes an account number or a name associated with the transaction card, generate an authentication message in response to the registration request, transmit the authentication message to an issuer of the transaction card wherein the issuer provides the authentication message to the user, and receive the authentication message from the user entering the authentication message into the input device to authenticate the identity of the user as the legitimate cardholder.

Abstract: A general-purpose payment card product is linked to a designated reimbursement account. A payment card authorization request is obtained, with a full amount and a reimbursement eligible amount included therein, based on a transaction with the payment card product at a merchant. In one aspect, a payment card authorization response is returned to the merchant from an issuer of the payment card product, based on the full amount. A funding request is initiated, for the reimbursement eligible amount, from the designated reimbursement account. The payment card product and the designated reimbursement account are managed separately. In an alternative, the authorization request is intercepted by an operator of a payment network. The operator initiates a first operator authorization request for the reimbursement eligible amount, and a second operator authorization request for the full amount less the portion of the reimbursement eligible amount, and returns a coordinated response to the merchant.