Abstract: A privacy filter for internet of things (IOT) devices and can include a processor, a profile resource, a device interface, an external network interface, and a storage having instructions for filtering processes and encoding processes (e.g., appropriate processes of a software development kit (SDK)). The privacy filter can receive a payload comprising audio content from a connected device; obtain filter criteria for the connected device; identify portions of the payload satisfying the filter criteria; and affect audio of the audio content corresponding to the identified portions of the payload. after affecting the audio, the privacy filter can reassemble the payload according to an IOT provider SDK and can communicate the reassembled payload to an IOT provider service.

Abstract: Apparatus and methods for providing a digital card asset construction service. In and embodiment, a digital card asset service computer provides access to a digital card asset application user interface (API) to an issuer device, then receives a request from a user to construct or update a digital payment card product and receives card art data for the digital payment card product responsive to one or more queries presented by the digital card asset API.

Abstract: A privacy filter for internet of things (IOT) devices and can include a processor, a profile resource, a device interface, an external network interface, and a storage having instructions for filtering processes and encoding processes (e.g., appropriate processes of a software development kit (SDK)). The privacy filter can receive a payload comprising audio content from a connected device; obtain filter criteria for the connected device; identify portions of the payload satisfying the filter criteria; and affect audio of the audio content corresponding to the identified portions of the payload. after affecting the audio, the privacy filter can reassemble the payload according to an IOT provider SDK and can communicate the reassembled payload to an IOT provider service.

Abstract: Apparatus and methods for providing a digital card asset construction service. In and embodiment, a digital card asset service computer provides access to a digital card asset application user interface (API) to an issuer device, then receives a request from a user to construct or update a digital payment card product and receives card art data for the digital payment card product responsive to one or more queries presented by the digital card asset API.

Abstract: A method for securing a laptop computer device using a security management computing device includes receiving a request for a secure token, the request including (i) a device unique identifier associated with the laptop computer device, and (ii) a context unique identifier associated with a context of using the laptop computer device to initiate data communications. The method also includes generating a secure token associated with both the laptop computer device and the context of using the laptop computer device, such that the secure token is usable only within the context, and transmitting the secure token to the laptop computer device.

Abstract: A method for subverting open transmission of personally identifiable information through the use of tokenization includes: receiving a token request from an issuing financial institution; identifying a digital token; mapping the identified digital token to a primary account number; transmitting the identified digital token to the issuing financial institution; receiving a data request from a third party, wherein the data request includes the identified digital token; replacing the identified digital token in the data request with the mapped primary account number; transmitting the data request including the mapped primary account number to the issuing financial institution; receiving a data package including one or more items of personally identifiable information; and forwarding the data package.

Abstract: A method for subverting open transmission of personally identifiable information through the use of tokenization includes: receiving a token request from an issuing financial institution; identifying a digital token; mapping the identified digital token to a primary account number; transmitting the identified digital token to the issuing financial institution; receiving a data request from a third party, wherein the data request includes the identified digital token; replacing the identified digital token in the data request with the mapped primary account number; transmitting the data request including the mapped primary account number to the issuing financial institution; receiving a data package including one or more items of personally identifiable information; and forwarding the data package.

Abstract: A method for product identification based on physiological response includes: displaying a plurality of display screens over a period of time, wherein at least one display screen includes one or more displayed products; storing a display time for each displayed product corresponding to a time of the period of time at which the displayed product and the respective display screen is displayed on the display device; receiving a plurality of physiological measurements over the period of time for a first physiological function of a user of the computing device; detecting a change in the first physiological function based on the plurality of physiological measurements and a change time for the detected change; identifying a specific displayed product based on a correspondence between the respective display time and the detected change time; and transmitting product data associated with the specific displayed product.

Abstract: A payment card account holder interacts with his/her account issuer to trigger digitization of his/her payment account to a wallet service provider, a smart device, or a merchant, etc. The account issuer cooperates with an account provisioning service to fulfill the requested provisioning of the payment account to the desired recipient service provider/token requestor. The account issuer may also provision information about the account holder (e.g., contact information) to the service provider/token requestor.

Abstract: A method for securing a laptop computer device using a security management computing device includes receiving a request for a secure token, the request including (i) a device unique identifier associated with the laptop computer device, and (ii) a context unique identifier associated with a context of using the laptop computer device to initiate data communications. The method also includes generating a secure token associated with both the laptop computer device and the context of using the laptop computer device, such that the secure token is usable only within the context, and transmitting the secure token to the laptop computer device.

Abstract: A method for product identification based on physiological response includes: displaying a plurality of display screens over a period of time, wherein at least one display screen includes one or more displayed products; storing a display time for each displayed product corresponding to a time of the period of time at which the displayed product and the respective display screen is displayed on the display device; receiving a plurality of physiological measurements over the period of time for a first physiological function of a user of the computing device; detecting a change in the first physiological function based on the plurality of physiological measurements and a change time for the detected change; identifying a specific displayed product based on a correspondence between the respective display time and the detected change time; and transmitting product data associated with the specific displayed product.

Abstract: Disclosed are exemplary embodiments of systems and methods for use in personalizing a vehicle to a user. One exemplary method includes authenticating a user to a vehicle where the user is associated with a payment account and, after the user is authenticated, loading, by a computing device, a profile associated with the user to the vehicle where the profile includes a payment credential associated with the payment account and at least one vehicle control. The method also includes imposing, by the computing device, the at least one vehicle control on a feature of the vehicle to thereby alter the feature of the vehicle and providing, by the computing device, the payment credential to a merchant in connection with a transaction associated with the vehicle.

Abstract: A computer-implemented method for recommending a merchant based on transaction data is provided. The method is implemented using an analyzer computing device in communication with one or more memory devices. The method includes generating a profile indicating a stage of life of a cardholder, based at least in part on first transaction data stored in the one or more memory devices. The first transaction data is associated with one or more purchases made by the cardholder through a payment network. The method additionally includes retrieving, from the one or more memory devices, second transaction data associated with a plurality of sales from a first merchant, determining a transaction volume associated with the first merchant, and generating a recommendation for the cardholder to purchase goods from the first merchant, based at least in part on the determined transaction volume and the profile.

Abstract: A computer-implemented method for estimating a price of a candidate trip based on transaction data is provided. The method includes generating a profile associated with a first cardholder, based at least in part on stored first transaction data associated with one or more purchases made by the first cardholder through a payment network. The profile indicates a spending trend of the first cardholder. The method additionally includes determining a price paid by at least a second cardholder for a reference trip, based at least in part on second transaction data stored in one or more memory devices. The second transaction data is associated with purchases made by the second cardholder through the payment network during the reference trip. Additionally, the method includes determining an estimated price for the candidate trip for the first cardholder by adjusting the price paid based at least in part on the spending trend of the first cardholder.

Abstract: A computer-implemented method for recommending a merchant based on transaction data is provided. The method is implemented using an analyzer computing device in communication with one or more memory devices. The method includes generating a profile indicating a stage of life of a cardholder, based at least in part on first transaction data stored in the one or more memory devices. The first transaction data is associated with one or more purchases made by the cardholder through a payment network. The method additionally includes retrieving, from the one or more memory devices, second transaction data associated with a plurality of sales from a first merchant, determining a transaction volume associated with the first merchant, and generating a recommendation for the cardholder to purchase goods from the first merchant, based at least in part on the determined transaction volume and the profile.

Abstract: A computer-implemented method for providing a profile associated with a cardholder to a suggestion computing device is provided. The method is implemented using a computing device in communication with one or more memory devices. The method includes retrieving, from the one or more memory devices, stored transaction data associated with a plurality of purchases made by a cardholder using a payment card and processed over a payment network. The method additionally includes determining at least one interest of the cardholder based on the stored transaction data, storing the at least one determined interest in a profile associated with the cardholder, and transmitting the cardholder profile to the suggestion computing device for use in suggesting one or more goods to the cardholder.

Abstract: A computer-implemented method for estimating a price of a candidate trip based on transaction data is provided. The method includes generating a profile associated with a first cardholder, based at least in part on stored first transaction data associated with one or more purchases made by the first cardholder through a payment network. The profile indicates a spending trend of the first cardholder. The method additionally includes determining a price paid by at least a second cardholder for a reference trip, based at least in part on second transaction data stored in one or more memory devices. The second transaction data is associated with purchases made by the second cardholder through the payment network during the reference trip. Additionally, the method includes determining an estimated price for the candidate trip for the first cardholder by adjusting the price paid based at least in part on the spending trend of the first cardholder.

Abstract: Transaction data is mined to obtain a health profile for at least one person who wishes to select a medical insurance plan. The transaction data includes at least one of payment card transaction data and electronic bill presentment and payment transaction data. A database of insurance information is accessed to obtain information on cost and coverage for at least two medical insurance plans available to the at least one person who wishes to select the medical insurance plan. An optimal one of the at least two medical insurance plans is selected for the person who wishes to select the medical insurance plan, based on the health profile and the information on cost and coverage for the at least two medical insurance plans.