Abstract: Provided is a system, method, and computer program product for graph-based authorization. The system includes at least one processor programmed or configured to process a plurality of electronic payment transactions for a plurality of merchant systems arranged in an electronic payment processing network, generate a graph data structure including a plurality of nodes and a plurality of edges based on transaction data and external data, the transaction data including transaction parameters from each electronic payment transaction of the plurality of electronic payment transactions, generate a node embedding for each node of the graph data structure by: converting the transaction data associated with the node to first text, converting the external data associated with the node to second text, and generating the node embedding based on the first text and the second text.

Abstract: A method is disclosed. The method includes receiving, by a processing network computer from a transport computer, a first clearing file comprising data for a plurality of transactions, and then determining, by the processing network computer, an authorizing entity associated with one or more transactions from the first clearing file. The method includes transmitting, by the processing network computer to an authorizing entity computer operated by the authorizing entity, a second clearing file including data for the one or more transactions, determining, by the processing network computer, that the one or more transactions include one or more anomaly transactions, and initiating, by the processing network computer, one or more transaction reversals with respect to the one or more anomaly transactions.

Abstract: A method is disclosed. It includes receiving, by a clearing system comprising an artificial intelligence model, a clearing file comprising a plurality of clearing records. It also includes inputting the clearing records into the artificial intelligence model, and then determining, by the artificial intelligence model, predictions relating to the clearing records. It also includes providing the predictions to an authorizing entity computer. The authorizing entity computer performs actions based on the predictions.

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: Provided are methods for multi-task learning (MTL) in deep neural networks. An exemplary method may include receiving an MTL model; receiving a testing data set comprising testing data items for the MTL model, each testing data item comprising a plurality of elements, each element associated with a respective feature; grouping the features into a plurality of groups based on an impact of each feature on the tasks of the MTL model, determining an overall accuracy score and task-specific accuracy scores based on inputting the testing data to the MTL model; applying feature reduction evaluation (FRE) to provide a feature score for each feature; and adjusting the feature scores based on a respective grouping associated with the respective feature and at least one of the overall accuracy score, the task-specific accuracy scores, or any combination thereof to provide an adjusted feature score. Systems and computer program products are also disclosed.

Abstract: Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.

Abstract: In one aspect, an account identifier is associated with a deal purchased by a user from a deal site. The deal has a face value applicable to a transaction with a predetermined merchant, if the transaction satisfies one or more predetermined criteria. The user pays the deal site an amount smaller than the face value. When the account identifier is used at a transaction terminal to initiate a payment transaction, a transaction handler determines whether the payment transaction satisfies the one or more predetermined criteria; and if so, the transaction handler provides the transaction terminal with an authorization response identifying the remaining balance, which is determined by deducting the face value from the payment transaction. The account identifier may be a one-time account number generated specifically for the deal purchased by the user, or an account number of the user used to purchase the deal from the deal site.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: A method includes receiving, at a server computer, first a clearing request message, where the clearing request message comprises a transaction identifier; generating a second clearing request message and transmitting the second clearing request message to a first computer, the second clearing request message including a first derived transaction identifier derived from the transaction identifier; and generating a third clearing request message and transmitting the third clearing request message to a second computer, the third clearing request message including a second derived transaction identifier derived from the transaction identifier.

Abstract: Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.

Abstract: Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.

Abstract: Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.

Abstract: In one aspect, an account identifier is associated with a deal purchased by a user from a deal site. The deal has a face value applicable to a transaction with a predetermined merchant, if the transaction satisfies one or more predetermined criteria. The user pays the deal site an amount smaller than the face value. When the account identifier is used at a transaction terminal to initiate a payment transaction, a transaction handler determines whether the payment transaction satisfies the one or more predetermined criteria; and if so, the transaction handler provides the transaction terminal with an authorization response identifying the remaining balance, which is determined by deducting the face value from the payment transaction. The account identifier may be a one-time account number generated specifically for the deal purchased by the user, or an account number of the user used to purchase the deal from the deal site.

Abstract: The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.