Abstract: Disclosed herein is method and a system for predicting mutations in Ribonucleic acid (RNA) strains. In an embodiment, a similarity between a new viral RNA strain and reference RNA strains is determined. Further, a strain score for the new viral RNA strain is calculated based on the similarity between the new viral RNA strain and the reference RNA strains. Subsequently, mutation sites for the new viral RNA strain are identified by generating spatial nearness data corresponding to the reference RNA strains based on comparison between the strain score of the new viral RNA strain and the reference RNA strains. Finally, mutations of the new viral RNA strain are predicted by performing a generative modelling of a sequence of the new viral RNA strain with reference to the mutation sites of the new viral RNA strain.

Abstract: A system and method for identifying items purchased at a merchant is provided. The method includes receiving transaction data associated with a transaction of the consumer, the transaction data including a transaction amount and a merchant identifier associated with the merchant. Price information and tax information associated with the merchant are retrieved. A most likely item combination is selected based on a pre-tax total for the transaction and the price information.

Abstract: A method and server system for facilitating recurring customer payments to merchants are provided. A Quick Response (QR) code including a Standing Instruction (SI) flag is generated. The SI flag is capable of offering customers of a merchant with an option to pay for respective recurring payments using SI. The generated QR code is provided by the merchant to at least one customer. A first payment from among a set of recurring payments from a customer to the merchant is processed based on an input related to the SI provided by the customer subsequent to a selection of the option in the QR code by the customer. A unique identifier associated with a processing of the first payment from the customer to the merchant is generated and stored. Each subsequent payment is processed using the unique identifier and the input related to the SI.

Abstract: The present disclosure relates to contactless payments using an electronic payment transaction environment. In particular, the disclosure provides methods, systems, and computer program products for implementing contactless payments based on a dual protocol display label including an optical code and an NFC tag, each configured to communicate merchant information for the purposes of enabling electronic payments to a merchant.

Abstract: A computer-implemented method for issuance of a payment device includes: generating, from a transaction history of a first payment device of a user, usage parameters characteristic of usage of the first payment device, the first payment device being enabled for a first transaction type; generating one or more similarity scores based on a comparison of the usage parameters of the first payment device to corresponding usage parameters of one or more other payment devices that are enabled for a second transaction type for which the first payment device is not enabled; determining, from the one or more similarity scores, one or more matching payment devices of the other payment devices that satisfy a matching criterion; determining payment device configuration parameters of the one or more matching payment devices; and encoding, or causing to be encoded, payment device data in one or more machine-readable media, wherein the payment device data includes a new payment device number, an indication that the new payme

Abstract: Embodiments provide methods, server systems, and user devices for facilitating person to merchant payment transactions. In an embodiment, the method includes receiving, by a server system associated with a payment network, a payment transaction request. The payment transaction request is initiated using a messaging protocol on a user device. The payment transaction request includes a merchant ID, a payment card selected from one or more payment cards, and a transaction amount. The method includes verifying, by the server system, the merchant ID from a database including a listing of a plurality of merchant information. Upon successful verification of the merchant ID, the method includes facilitating, by the server system, the payment transaction of the transaction amount from an issuer account of a user to an acquirer account of a merchant.

Abstract: A method and server system for facilitating recurring customer payments to merchants are provided. A Quick Response (QR) code including a Standing Instruction (SI) flag is generated. The SI flag is capable of offering customers of a merchant with an option to pay for respective recurring payments using SI. The generated QR code is provided by the merchant to at least one customer. A first payment from among a set of recurring payments from a customer to the merchant is processed based on an input related to the SI provided by the customer subsequent to a selection of the option in the QR code by the customer. A unique identifier associated with a processing of the first payment from the customer to the merchant is generated and stored. Each subsequent payment is processed using the unique identifier and the input related to the SI.

Abstract: A computer-implemented method of detecting associated payment devices comprises: receiving, by a processor from a payment network, transaction data representing a plurality of transaction records, a transaction amount, a transaction time, a terminal identifier, and a result code indicating success or failure of a transaction; identifying from said transaction records a declined transaction associated with a first payment device identifier, and determining a terminal identifier and transaction amount associated with the declined transaction; identifying from said transaction records a subsequent transaction occurring within a predetermined window of the declined transaction, the subsequent transaction being associated with the same terminal identifier and the same transaction amount as the declined transaction, the subsequent transaction being associated with a second payment device identifier that is different from the first payment device identifier; and storing, in a database, an association between the sec

Abstract: The present disclosure relates to contactless payments using an electronic payment transaction environment. In particular, the disclosure provides methods, systems, and computer program products for implementing contactless payments based on a dual protocol display label including an optical code and an NFC tag, each configured to communicate merchant information for the purposes of enabling electronic payments to a merchant.

Abstract: Method and system for providing a housing recommendation to a user. The method comprising: determining, using a recommendation module, a spending behavior of the user based on transaction data relating to electronic payment transactions involving the user; dividing, using the recommendation module communicatively coupled with a geographic information system (GIS), a geographical area into a plurality of localities based on geographic information from the GIS; determining, using the recommendation module, an average spending behavior of residents in each locality based on transaction data relating to electronic payment transactions involving the residents; assigning, using the recommendation module, a base score to each locality based on a presence of residents in the locality with similar spending behavior to the user; and transmitting, to a user output module communicatively coupled with the recommendation module, the housing recommendation that is based on the base score of each locality.

Abstract: A system and method for identifying items purchased at a merchant is provided. The method includes receiving transaction data associated with a transaction of the consumer, the transaction data including a transaction amount and a merchant identifier associated with the merchant. Price information and tax information associated with the merchant are retrieved. A most likely item combination is selected based on a pre-tax total for the transaction and the price information.

Abstract: Embodiments provide methods, server systems, and user devices for facilitating person to merchant payment transactions. In an embodiment, the method includes receiving, by a server system associated with a payment network, a payment transaction request. The payment transaction request is initiated using a messaging protocol on a user device. The payment transaction request includes a merchant ID, a payment card selected from one or more payment cards, and a transaction amount. The method includes verifying, by the server system, the merchant ID from a database including a listing of a plurality of merchant information. Upon successful verification of the merchant ID, the method includes facilitating, by the server system, the payment transaction of the transaction amount from an issuer account of a user to an acquirer account of a merchant.

Abstract: A system and method of tracking food consumption data for a payment cardholder is provided. The food consumption data is associated with restaurant food purchases made with a payment card, where each restaurant food purchase includes a transaction amount. The method includes comparing the transaction amount to a set of possible food order combinations totaling the transaction amount. A food order combination is selected that has a total price that matches the transaction amount. Nutritional information associated with each food item in the selected food order combination is retrieved and stored into a database.

Abstract: A system, method, and transaction terminal for obtaining location based services provided by third-party service providers through a transaction terminal is disclosed. The method includes authenticating a user based on user identification information received at the transaction terminal. Upon authentication, the method further includes receiving a user request, through the transaction terminal, for a location based service provided by a third-party service provider. The method further includes authorizing the third-party service provider to provide the location based service to the user based on the user identification information and the location of the transaction terminal.

Abstract: A routing system for use at a retail premise of a merchant is provided. The retail premise has a plurality of products located at a plurality of sub-regions of the retail premise and the routing system comprises: a routing engine component operable to receive, from a communication device of a consumer, an initial location corresponding to a current location of the consumer within the retail premise, and an offer engine component operable to generate a product offer associated with a said product; wherein the routing engine component is operable to: obtain a target location corresponding to a location of the said product within the retail premise, calculate a route of recommendation between the initial location and the target location based on a popularity score associated with a said sub-region of the retail premise, said popularity score being indicative of an amount of consumer traffic in the sub-region, and transmit the product offer and the route of recommendation to the communication device.

Abstract: A system and method for managing a wardrobe that enables a user to manage various aspects of his/her wardrobe. For example, a user may enter new articles in his/her wardrobe that, once entered, comprise an article of the user's actual and virtual wardrobe. The user may also ask for recommendations for an article or outfit to wear to a particular event or on a particular day. The user may browse his/her wardrobe remotely, which can be a big help when shopping to avoid duplicate articles or to buy new articles that are complementary to articles already in the wardrobe. The user may also manage his/her wardrobe by keeping track of which articles of clothing have been removed and/or replaced.

Abstract: A method of determining a discount amount for an electronic commerce transaction can include determining, by a processor, whether a member of a financial institution has posted a review for an electronic commerce purchase within a preset threshold amount of time from a time when the member received a purchased item. Upon identifying the time at which the member posted the review, the processor can determine an eligible time period based on the preset threshold amount of time and the identified posting time. The processor can determine the number of occurrences of different eligible discount earning events by tracking, for the eligible time period, activities related to the review performed on one or more social media platforms. The processor can determine a discount amount based on the determined discount earning events and transmit an instruction to credit a financial account with a credit amount corresponding to the discount amount.

Abstract: The present application provides methods and devices for collecting customer feedback. The methods comprise the steps of determining whether a received input string used to authenticate a payment instrument against which a transaction is charged contains customer feedback data, and extracting the customer feedback data in response to determining presence of the customer feedback data.

Abstract: A computer-implemented method for determining if a current wallet-based transaction initiated by a digital wallet user is fraudulent is provided. The method includes receiving current wallet-based transaction data relating to the current wallet-based transaction, and identifying one or more profile characteristics relating to a digital wallet owner based on the current wallet-based transaction data. The method further includes retrieving historical payment card transaction data based on the identified one or more profile characteristics. The method also includes comparing the current wallet-based transaction data and the historical payment transaction data to determine if the current wallet-based transaction is fraudulent.

Abstract: A system and method of tracking food consumption data for a payment cardholder is provided. The food consumption data is associated with restaurant food purchases made with a payment card, where each restaurant food purchase includes a transaction amount. The method includes comparing the transaction amount to a set of possible food order combinations totaling the transaction amount. A food order combination is selected that has a total price that matches the transaction amount. Nutritional information associated with each food item in the selected food order combination is retrieved and stored into a database.