Abstract: Systems and methods are described for providing neutral data access across multiple data structures. One example computer-implemented method includes accessing, by a computing device, a first data element in a data structure and assigning a first unique identifier to the first data element. The method also includes replacing, by the computing device, the first data element in the data structure with the first unique identifier, whereby the first data element is removed from the data structure, and encrypting the first unique identifier of the data structure. The method then also includes storing, by the computing device, the data structure, with the encrypted first unique identifier, in a multi-tenant data structure, for access by a data host.

Abstract: Systems and methods herein provide limited credit accounts from social networks to recipient users having social network accounts at the social networks, in response to network requests by sender users to transfer funds to the recipient users through the social networks. One exemplary method includes receiving a request to transfer an amount of funds from a sender user to a recipient user, where the sender user and the recipient user both have social network accounts at a social network, and generating a score for the fund transfer based on at least a transaction history associated with the sender user. The method also includes determining whether the score satisfies a threshold and, when the score satisfies the threshold, generating a virtual card number (VCN) for the recipient user, wherein the VCN is associated with a credit line based on the amount of funds included in the request.

Abstract: A method for privacy protection in use of geolocation for transaction authorization includes: storing location profiles including a device identifier and account identifier; receiving a location notification including a specific device identifier and a geolocation; identifying a specific location profile including the specific device identifier; transmitting the geolocation and the account identifier in the specific location profile to a second computing device; receiving, at the second computing device, a transaction message related to a payment transaction including an account number corresponding to the account identifier, a transaction location, and authorization data; determining if the geolocation corresponds to the transaction location; storing a result of the determination in the authorization data; and transmitting the transaction message to a financial institution associated with a transaction account corresponding to the account number.