Abstract: A computing system for electronically managing a token across multiple computer networks is described. The computing system includes a processor in communication with at least one memory device. The processor is programmed to generate a token associated with a payment account, the token having a format that simulates a format of a checking account identifier, and receive a payment request including the token, the payment request processed over a first network. The processor is also programmed to apply a set of rules to the payment request, determine that the payment request satisfies the set of rules, and convert the token into a payment account identifier using the set of rules. The processor is further programmed to transmit an authorization request message to a second network, receive authorization of the authorization request message from the second network, and provide authorization of the payment request to the first network.

Abstract: A method for generating a dynamic username includes receiving a static component of a dynamic username and a selection of a dynamic parameter component of the dynamic username from a user. The static component and the selected dynamic parameter component are combined in a predetermined order, based on a user selected option. The dynamic username is produced from the combined static component and the selected dynamic parameter component based on the predetermined order. A rule for producing the dynamic username is generated. The rule defines the predetermined order of the static component and the selected dynamic parameter component. The static component and the rule are stored in a credential database with the rule being associated with the static component.

Abstract: A computing system for electronically managing a token across multiple computer networks is described. The computing system includes a processor in communication with at least one memory device. The processor is programmed to generate a token associated with a payment account, the token having a format that simulates a format of a checking account identifier, and receive a payment request including the token, the payment request processed over a first network. The processor is also programmed to apply a set of rules to the payment request, determine that the payment request satisfies the set of rules, and convert the token into a payment account identifier using the set of rules. The processor is further programmed to transmit an authorization request message to a second network, receive authorization of the authorization request message from the second network, and provide authorization of the payment request to the first network.

Abstract: A method for generating a dynamic username includes receiving a static component of a dynamic username and a selection of a dynamic parameter component of the dynamic username from a user. The static component and the selected dynamic parameter component are combined in a predetermined order, based on a user selected option. The dynamic username is produced from the combined static component and the selected dynamic parameter component based on the predetermined order. A rule for producing the dynamic username is generated. The rule defines the predetermined order of the static component and the selected dynamic parameter component. The static component and the rule are stored in a credential database with the rule being associated with the static component.

Abstract: A method for generating a dynamic username includes receiving a static component of a dynamic username and a selection of a dynamic parameter component of the dynamic username from a user. The static component and the selected dynamic parameter component are combined in a predetermined order, based on a user selected option. The dynamic username is produced from the combined static component and the selected dynamic parameter component based on the predetermined order. A rule for producing the dynamic username is generated. The rule defines the predetermined order of the static component and the selected dynamic parameter component. The static component and the rule are stored in a credential database with the rule being associated with the static component.

Abstract: An item tracker computing device includes a processor coupled in communication with a memory. The processor is programmed to receive transaction data from a payment network. The transaction data is associated with a user. In addition, the processor is programmed to receive assistance items data from a service provider. The processor is also programmed to process the transaction data and the assistance items data to generate essential needs data for the user. Moreover, the processor is programmed to store the essential needs data in a user profile and, based upon a location of the user corresponding with a location of a catastrophic event, transmit the user profile to the service provider.

Abstract: Personal property inventory systems and methods include a computing device that analyzes images of rooms in a residence to identify personal property items. Identified personal property items are compared to a predetermined schedule of items that is based in part on purchase transaction data for at least one resident. If an item on the schedule is not one of the identified personal property items, an inquiry to a user in the residence is made to clarify whether or not the item is in the room. Based on the analyzed images and the received answers, a personal property inventory is generated.

Abstract: A method for generating a dynamic username includes receiving a static component of a dynamic username and a selection of a dynamic parameter component of the dynamic username from a user. The static component and the selected dynamic parameter component are combined in a predetermined order, based on a user selected option. The dynamic username is produced from the combined static component and the selected dynamic parameter component based on the predetermined order. A rule for producing the dynamic username is generated. The rule defines the predetermined order of the static component and the selected dynamic parameter component. The static component and the rule are stored in a credential database with the rule being associated with the static component.

Abstract: An intelligent payment card carrying system for monitoring the presence of a payment card includes a cardholder computing device and a payment card receptacle for receiving the payment card. The cardholder computing device includes a first transceiver for communicating with the payment card receptacle. The payment card receptacle includes a controller having a wireless communication device and a second transceiver. The second transceiver includes NFC-enabled circuitry. The controller communicates wirelessly with the cardholder computing device via the wireless communication device, and with the payment card via the second transceiver to transfer payment card data.

Abstract: A spend limit (SL) computing device is described herein. The SL computing device is programmed to receive transaction data from a payment processing network and obtain, from the transaction data, a user account, a transaction amount, and a spend amount. The SL computing device may retrieve a spend limit associated with the user account from a spend limit database, retrieve a reset time associated with the spend limit and user account from a reset time database, and retrieve a current balance associated with the user account from a balance database. The SL computing device may update the current balance database with a new balance, determined using the current balance and the transaction amount, convert the spend limit, reset time, and new balance into a visualization for the user account, and transmit the visualization to a user computing device to cause the visualization to be displayed on the user computing device.

Abstract: Personal property inventory systems and methods include a computing device that analyzes images of rooms in a residence to identify personal property items. Identified personal property items are compared to a predetermined schedule of items that is based in part on purchase transaction data for at least one resident. If an item on the schedule is not one of the identified personal property items, an inquiry to a user in the residence is made to clarify whether or not the item is in the room. Based on the analyzed images and the received answers, a personal property inventory is generated.

Abstract: An electronic payment card system and method includes at least one computing device communicating in an interchange network to process payment-by-card transactions. The computing device is configured to accept an identified possible rogue authorization charge stemming for an advance authorization charge requested on the payment system and having a pending status in the payment system. The system and method investigates the identified charges, eliminates adverse effects of the identified possible rogue authorization charge, and resolves inaccurate available credit balances on cardholder accounts attributable to rogue authorization charges.

Abstract: Systems and methods are provided for use in facilitating payment account transactions. One exemplary method includes initially issuing, by a computing device, a transaction code to a communication device associated with a consumer for use in a transaction to a payment account by the consumer. The method then includes intercepting, by the computing device, an authorization request including a pseudo primary account number (PAN) for the consumer's transaction, where the pseudo PAN includes the transaction code, and identifying, by the computing device, a PAN for the payment account associated with the transaction code included in the pseudo PAN. The method further includes replacing, by the computing device, the pseudo PAN with the identified PAN for the consumer's payment account, and routing the authorization request with the PAN to an issuer of the consumer's payment account.