Abstract: An automatic billing updater (ABU) manager computing device for managing an account information data source and tracking access to the account information data source is provided. The ABU manager computing device receives account data from an issuing party, stores the account information in an account information data source, and provides the account data to requesting parties. The ABU manager computing device tracks access to the stored account data via an ABU traffic data source. ABU manager computing device may also track transaction-related messages corresponding to the stored account data in a transaction traffic data source. In certain embodiments, ABU manager computing device may generate and transmit notifications based on data stored in one or more of the stored account data, the ABU traffic data source, and the transaction traffic data source.

Abstract: A computer system including a first network-based portal, a second network-based portal, and an analyzer computing device including at least one processor is provided. The at least one processor is configured to: (i) receive an initial data message including data elements, (ii) analyze, using machine learning tools, the data elements to determine to route the initial data message to the second network-based portal or to a processing computing device, (iii) in response to determining to route the initial data message to the second network-based portal, route the initial data message to the second network-based portal via a first network communication link, and (iv) in response to determining to route the initial data message to the processing computing device via a second network communication link, reformat the initial data message into a different protocol compatible with the second network communication link, and transmit the reformatted message to the processing computing device.

Abstract: A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an interchange network and an authorization computing device in communication with a memory.

Abstract: A data synchronization computing device is described. The data synchronization computing device is configured to receive and store updated account data including an identifier designating a closed account, determine that a candidate identifier from an authorization request message matches the designated identifier corresponding to the closed account, and automatically decline the authorization request message associated with the candidate identifier. The data synchronization computing device is further configured to execute a data integrity monitoring process to improve an overall bandwidth of the a computer network, and, in response to determining a data synchronization issue, automatically overwrite a record to remove the closed account designation and transmit a notification message indicating the data synchronization issue has been resolved, thereby improving data integrity between records stored in the account information database and records stored at an issuer computing device.

Abstract: A computer-based method for identifying a user computing device used in a fraudulent transaction is provided. The method includes receiving device data associated with the user computing device during a first payment transaction initiated from the user computing device, wherein the device data is capable of uniquely identifying the user computing device. The method further includes storing the device data within the at least one memory device, and receiving an indication that the first payment transaction initiated from the user computing device was fraudulent. The method further includes assigning a risk factor to the user computing device, and transmitting the risk factor to a merchant, wherein the merchant uses the risk factor to determine whether to process a resale transaction initiated from the user computing device wherein the resale transaction is associated with a resale of goods acquired in association with the first payment transaction.

Abstract: A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an interchange network and an authorization computing device in communication with a memory.

Abstract: An automatic billing updater (ABU) manager computing device for managing an account information data source and tracking access to the account information data source is provided. The ABU manager computing device receives account data from an issuing party, stores the account information in an account information data source, and provides the account data to requesting parties. The ABU manager computing device tracks access to the stored account data via an ABU traffic data source. ABU manager computing device may also track transaction-related messages corresponding to the stored account data in a transaction traffic data source. In certain embodiments, ABU manager computing device may generate and transmit notifications based on data stored in one or more of the stored account data, the ABU traffic data source, and the transaction traffic data source.

Abstract: A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an authorization computing device in communication with a memory. The method includes storing a plurality of transaction histories associated with a plurality of prepaid payment cards, receiving an authorization request for a payment transaction between a cardholder and an originating merchant initiated using a prepaid payment card, determining a transaction history associated with the prepaid payment card based on the plurality of transaction histories, calculating a prepaid risk score for the payment transaction based on the authorization request and the determined transaction history, and transmitting the prepaid risk score to the originating merchant.

Abstract: A computer-implemented method for managing access to data stored within a data source is provided. The method includes receiving updated account data including an updated account identifier, and at least one subscription rule for verifying that a merchant is authorized to receive updated account data. The method also includes storing the updated account data and the at least one subscription rule. The method further includes receiving a registration request from a requesting merchant including at least one candidate account identifier and one merchant identifier identifying the requesting merchant, and retrieving the at least one subscription rule after matching the candidate account identifier to the updated account identifier.

Abstract: An automatic billing updater (ABU) manager computing device for managing an account information data source and tracking access to the account information data source is provided. The ABU manager computing device receives account data from an issuing party, stores the account information in an account information data source, and provides the account data to requesting parties. The ABU manager computing device tracks access to the stored account data via an ABU traffic data source. ABU manager computing device may also track transaction-related messages corresponding to the stored account data in a transaction traffic data source. In certain embodiments, ABU manager computing device may generate and transmit notifications based on data stored in one or more of the stored account data, the ABU traffic data source, and the transaction traffic data source.

Abstract: A system and computer-implemented method includes the operations of receiving an electronic transaction message including transaction data from an interchange network. The transaction message may include a type of transaction associated with a primary account number of the cardholder. A type of transaction may be determined from the electronic transaction message. Transaction details may be extracted from the transaction data. The operations may also include determining whether the cardholder is registered for the account event notification service. If based on the determination, the cardholder is registered for the account event notification service, a notification message may be generated. The notification message may include the type of transaction. The notification message may be transmitted to the cardholder.

Abstract: An authorization system for enhancing online authorization processes by centrally storing historical authorization data and analyzing the historical authorization data in real-time for a transaction is provided. The authorization system includes at least one authorization computing device. The authorization system is configured to collect historical transaction data associated with a user account, store the historical transaction data that includes historical authorization data, parse the historical transaction data, and extract the historical authorization data from the historical transaction data. The authorization system is also configured to compile the historical authorization data, build an authorization table using a stored user profile, and continuously update the authorization table using the historical authorization data.

Abstract: A computer-based method for identifying a user computing device used in a fraudulent transaction is provided. The method includes receiving device data associated with the user computing device during a first payment transaction initiated from the user computing device, wherein the device data is capable of uniquely identifying the user computing device. The method further includes storing the device data within the at least one memory device, and receiving an indication that the first payment transaction initiated from the user computing device was fraudulent. The method further includes assigning a risk factor to the user computing device, and transmitting the risk factor to a merchant, wherein the merchant uses the risk factor to determine whether to process a resale transaction initiated from the user computing device wherein the resale transaction is associated with a resale of goods acquired in association with the first payment transaction.

Abstract: A computer-implemented method for managing access to data stored within a data source is provided. The method includes receiving updated account data including an updated account identifier, and at least one subscription rule for verifying that a merchant is authorized to receive updated account data. The method also includes storing the updated account data and the at least one subscription rule. The method further includes receiving a registration request from a requesting merchant including at least one candidate account identifier and one merchant identifier identifying the requesting merchant, and retrieving the at least one subscription rule after matching the candidate account identifier to the updated account identifier.

Abstract: An enhanced automatic billing updater (ABU) computing device for detecting data inconsistencies thereby reducing fraudulent transactions or identifying data integrity issues is described. The ABU computing device is configured to store account data in an ABU account information database including a plurality of account identifiers of closed accounts, receive an authorization request message including a candidate account identifier, the authorization request message requesting authorization of a transaction, and compare the candidate account identifier with the plurality of account identifiers associated with closed accounts stored in the ABU account information database.

Abstract: A computer-implemented method for enhancing authorization of prepaid payment cards is provided. The method is implemented using an authorization computing device in communication with a memory. The method includes storing a plurality of transaction histories associated with a plurality of prepaid payment cards, receiving an authorization request for a payment transaction between a cardholder and an originating merchant initiated using a prepaid payment card, determining a transaction history associated with the prepaid payment card based on the plurality of transaction histories, calculating a prepaid risk score for the payment transaction based on the authorization request and the determined transaction history, and transmitting the prepaid risk score to the originating merchant.

Abstract: A system for automatic account-on-file management may include a resource provider including an account updater and a provider communications interface. The resource provider may store billing information identifying at least one source having an automatic remittance and/or account-on-file for a resource associated with a procurement entity. The account updater may be configured to transmit a source list response indicating each source identified within the billing information. The provider communications interface may be configured to transmit the billing information to a procurement entity device for presentation of each source indicated in the source list response to the procurement entity.

Abstract: An automatic billing updater (ABU) manager computing device for managing an account information data source and tracking access to the account information data source is provided. The ABU manager computing device receives account data from an issuing party, stores the account information in an account information data source, and provides the account data to requesting parties. The ABU manager computing device tracks access to the stored account data via an ABU traffic data source. ABU manager computing device may also track transaction-related messages corresponding to the stored account data in a transaction traffic data source. In certain embodiments, ABU manager computing device may generate and transmit notifications based on data stored in one or more of the stored account data, the ABU traffic data source, and the transaction traffic data source.

Abstract: A pre-chargeback computer network for processing pre-chargeback dispute messages includes a dispute analyzer (DA) computing device. The DA computing device is configured to receive a dispute message identifying a disputed transaction from an issuer portal over a first communication link, the dispute message including transaction data associated with the disputed transaction and dispute data. The DA computing device is further configured to analyze the transaction data and the dispute data, and route the dispute message over the pre-chargeback network or a separate chargeback network based on the analysis.