Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.

Abstract: Disclosed are examples of systems, apparatus, methods and computer program products for maintaining context in a transaction conversation. A notification of a customer interaction from a customer is received within a retailer network. Based on at least one messaging channel and at least one interaction type in the notification, the system determines that an active conversation with the customer is open. A natural language processing (NLP) model is then selected based on one or more conversation markers in the active conversation. At least one customer intent is determined with respect to one or more entities, and a response to the customer interaction is generated based on the at least one customer intent and the one or more entities.

Abstract: Disclosed are examples of systems, apparatus, methods and computer program products for providing an individualized transaction conversation within a retailer network. A notification of a triggering event related to a customer and one or more retailers within the retailer network is received, then a database of customer profiles is accessed to match a customer profile with customer identity information. A message type is determined based on the triggering event, and a preferred messaging channel for the customer is determined based on the customer profile information. A message template is selected based on the message type and messaging channel determined, and an individualized transaction conversation is initiated via the preferred messaging channel. A customer interaction is received, and a response to the interaction is dynamically generated based on the message template and customer profile.

Abstract: Disclosed are examples of systems, apparatus, methods and computer program products for providing customization of individualized transaction messages within a retailer network. Identity information for a customer during a retailer transaction is received, then a database of federated customer profiles is accessed to match and link a federated customer profile with the identity information. One or more messaging parameters are updated or added based on customer behavioral data in the federated customer profile, then a customized messaging template for the customer is provided based on the messaging parameters.

Abstract: Disclosed are examples of systems, apparatus, methods and computer program products for providing individualized product recommendations within a retailer network. A database of federated customer profiles is accessed, with the federating customer profiles including purchase and transaction history for the customer across multiple retailers. The profile is analyzed based on the transaction history, product data for previous transactions, and one or more customer insights, and one or more individualized product recommendations are generated based on the analysis of the federated customer profile. An individualized transaction message is then generated, the message including the one or more individualized product recommendations.

Abstract: Disclosed are examples of systems, apparatus, methods and computer program products for providing interactive transaction returns within a retailer network. Notification of a customer interaction is received, including a messaging channel and interaction type. A database of customer profiles is accessed, and the identity information is matched with multiple customer profiles from the database. A customer interaction profile is determined based on the interaction type and previous customer interaction data from the customer profile, and the customer interaction profile is provided to one or more retailers in the retailer network.

Abstract: Disclosed are examples of systems, apparatus, methods and computer program products for providing individualized transaction messages within a retailer network. Identity information for a customer during a retailer transaction is received, then a database of customer profiles is accessed to match a customer profile with the identity information. One or more preferred messaging channels for the customer are determined based on the customer profile information, and then one or more individualized transaction messages are sent to the customer via the preferred messaging channels.

Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.

Abstract: A method for maintaining a prepaid payment system comprises a user account that can be utilized to complete a purchase transaction with a merchant. A delayed processing window is introduced between a time when the merchant receives a payment approval notification from the payment system and a time when the payment system transmits a payment request to an issuer of a funding account associated with the user's payment system account. The payment system utilizes a user's stored value account maintained by the payment system to satisfy the requirements of a prepaid program, and therefore processes the payment request received from the merchant and transmits the payment approval notification without obtaining prior authorization from the issuer of the funding account. The payment system submits one or more payment requests for the funding transaction at a time after the completion of the purchase transaction between the user and the merchant.