Abstract: A system and a method for accepting a payment on an application is provided. The method is implemented by a processor. The processor receives login information from a client to activate a banking application; selects quick accept entry points associated with the client's business banking demand deposit account (DDA) based on determining that the client is eligible for the quick accept entry points in response to the login information; sets up a payment receiving option for receiving a payment via the banking application; causes the banking application to receive transaction amount data corresponding to a transaction between the client and a customer; causes the banking application to process the transaction amount data; and automatically updates the DDA to reflect receipt of the transaction amount data.

Abstract: Systems, methods, and devices for determining a contrast of colors displayed by a digital user interface are disclosed, In one embodiment, in an electronic device including a processor, a compliance module is configured to receive a user selection of a graphical element displayed on a user interface of the electronic device; determine first color data associated with a background of the selected graphical element; determine second color data associated with a text string within the selected graphical element; determine a luminosity associated with the first color data and a luminosity associated with the second color data; calculate a color contrast ratio based on the luminosity associated with the first color data and the luminosity associated with the second color data; and display, at the user interface of the electronic device, the calculated color contrast ratio.

Abstract: Systems and methods for moving, reconciling, and aggregating data from mainframe computers to hybrid cloud are disclosed.

Abstract: A method for extended authentication sessions on an electronic device may include an authentication service computer program executed by an authentication service electronic device: receiving a customer identifier for a customer and a unique identifier for a mobile electronic device; authenticating the customer based on the customer identifier and the unique identifier for the mobile electronic device; setting a device cookie that is specific to the mobile electronic device on the mobile electronic device; and providing the device cookie and a client secret to an OAuth services backend, wherein the OAuth services backend validates the customer identifier and client secret and generates a first token and a second token, the first token having an expiration that is shorter than that of the second token. The mobile electronic device is configured to receive and store the first token and the second token.

Abstract: Systems and methods for moving, reconciling, and aggregating data from mainframe computers to hybrid cloud are disclosed.

Abstract: Systems and methods for conducting person to person (P2P) transactions using points are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for person-to-person reward points gifting may include: (1) receiving, from a bank customer, a request to issue a reward points gift to a gift recipient, the request identifying gift recipient contact information for the gift recipient and a reward points amount; (2) sending a notification to the gift recipient contact information for the gift recipient to log in a gift recipient account to redeem the reward points gift; and (3) transferring the reward points amount to a gift recipient reward points account.

Abstract: Systems and methods for authenticating payments leveraging a reduced infrastructure are disclosed. The merchant services module may receive a first identifier associated with a client device and a second identifier associated with a set of items. The merchant services module may communicate with the client device to generate a request for user input. The client device may communicate with a payment token device. The client device may generate an approval based on the communication between the payment token device and the client device. The merchant services module can receive the approval from the client device. The merchant services module can determine that the approval from the client device corresponds to the second identifier that is associated with the set of items. The merchant services module can provide the one or more items associated with the approval and the second identifier to the user of the client device.

Abstract: A system and a method for accepting a payment on an application is provided. The method is implemented by a processor. The processor receives login information from a client to activate a banking application; selects quick accept entry points associated with the client's business banking demand deposit account (DDA) based on determining that the client is eligible for the quick accept entry points in response to the login information; sets up a payment receiving option for receiving a payment via the banking application; causes the banking application to receive transaction amount data corresponding to a transaction between the client and a customer; causes the banking application to process the transaction amount data; and automatically updates the DDA to reflect receipt of the transaction amount data.

Abstract: A method for providing enrollment as a service may include an enrollment as a service computer program: (1) receiving, from an entity website, a SAML assertion or a JSON Web Token comprising a customer identifier and customer information for a validated customer; (2) creating a user profile for the customer identifier and the customer information; (3) creating a username and password for the customer identifier; (4) receiving, from the entity website, an authentication as a service request; (5) presenting a login page at the entity website; (6) receiving, from the login page, the username and password; (7) authenticating the username and password; and (8) returning an authentication status to the entity website.

Abstract: Systems and methods for distributed ledger based distributed transaction processing as a brokered service are disclosed. In one embodiment, a method for generating a plurality of user transaction profiles may include: (1) receiving, at a computer program for a trusted entity, a transaction involving an account for a user; (2) retrieving, by the computer program, transaction profile information for the user, the transaction profile specifying a plurality of transaction profiles for the user, each transaction profile having a different anonymity level; and (3) writing, by the computer program and on a distributed ledger, the transaction to each transaction profile at the anonymity level for the transaction profile. The transaction profiles on the distributed ledger are linked to each other.

Abstract: Systems and methods for conducting person to person (P2P) transactions using points are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for person-to-person reward points gifting may include: (1) receiving, from a bank customer, a request to issue a reward points gift to a gift recipient, the request identifying gift recipient contact information for the gift recipient and a reward points amount; (2) sending a notification to the gift recipient contact information for the gift recipient to log in a gift recipient account to redeem the reward points gift; and (3) transferring the reward points amount to a gift recipient reward points account.

Abstract: Systems and methods for acceptance of payments to a demand deposit account are disclosed. In one embodiment, in a backend for a financial institution comprising at least one computer processor, a method for accepting credit card payments at a demand deposit account (DDA) may include: (1) receiving a customer interaction from a mobile application; (2) determining if the customer is eligible for a credit card accepting service; (3) causing a payment acceptance interactive feature to be displayed in the mobile application; (4) enrolling the customer in the credit card accepting service; (5) linking the credit card accepting service to the customer's DDA; and (6) causing the mobile application to display an enrollment confirmation message.

Abstract: Systems and methods for out-of-band, time-based matching for applying issuer benefits to a transaction are disclosed. In one embodiment, in an issuer authorization platform comprising at least one computer processor, a method for out-of-band, time-based matching for applying issuer benefits to a transaction may include: (1) receiving, from a computer application executed by an electronic device and over a communication network, a payment option to apply to a transaction conducted with a merchant; (2) receiving, from a payment network, an authorization request for the transaction from the merchant; (3) matching the payment option to the authorization request when the payment option and the authorization request are received within a predetermined time of each other; and (4) applying the payment option to the transaction.