Abstract: Intelligent advice and transaction handling systems and methods. An embodiment includes a merchant device, a merchant server computer, a consumer mobile device, and a smart preferences computer having a decision engine operably connected to a storage device. The storage device stores instructions configured to cause the decision engine to receive service call data associated with a purchase transaction, and determine that a cardholder associated with the purchase transaction is a registered smart preferences user. The process includes accessing smart preferences cardholder profile data, determining a recommendation including at least a first choice payment card account and a second choice payment card account, and then transmitting the first choice payment card account data to the merchant device for purchase transaction processing when the cardholder profile data includes a permission indication. However, the recommendation is transmitted to the cardholder device when the permission indication is not found.

Abstract: A method for managing referral rewards of digital wallets is disclosed, the method comprising the steps of receiving at a digital wallet server, a referral-code and registration information for a referral digital wallet, where the registration information includes a first unique identifier and at least one primary account number (PAN) associated with a referral; sending from the digital wallet server, the first unique identifier and the PAN associated with the referral to an issuer server for checking if the first unique identifier exists in an issuer table; receiving at the digital wallet server, confirmation from the issuer server that the first unique identifier does not exist in the issuer table; receiving at the digital wallet server, reward data from the issuer server indicative of a reward; identifying at the digital wallet server, an affiliate digital wallet based on the referral-code; and crediting the affiliate digital wallet with the reward.

Abstract: A computer-implemented method for accumulating rewards for redemption is disclosed. The method comprises the steps of storing at a server a first digital wallet, where the first digital wallet is associated with a first standard rewards value, and storing at least one payment card number for a payment card issued by a first issuer where the first issuer has a first issuer server; receiving at the server a rewards value from the first issuer server; applying with the server a normalizing algorithm to the rewards value from the first issuer server to obtain a first normalized rewards value; and updating with the server the first standard rewards value by adding the first normalized rewards value to the first standard rewards value.

Abstract: A system, method, and computer-readable storage medium configured to track the location of lost payment cards.

Abstract: A method is used for monitoring a battery pack to check claims under guarantee that could possibly be invalid due to incorrect opening of the battery pack. The battery pack includes at least one electrochemical cell. When the battery pack is monitored, whether the battery pack has been opened is detected and any details relating to an event of opening are recorded in a non-erasable storage medium.

Abstract: A method includes establishing a loyalty points account for an account holder. The account holder may be allowed to access value held in the loyalty points account via a transaction authorized and cleared through a payment account system.

Abstract: A method for managing digital wallets is provided. The method includes providing a wallet container on a computing device; identifying one or more digital wallets using a wallet locator in the wallet container for automatically identifying digital wallets for containment in the wallet container; and containerizing the one or more digital wallets into the wallet container such that the one or more digital wallets are accessible through the wallet container. The wallet container is configured to provide access to a plurality of digital wallets through the wallet container. The wallet container includes a transaction receiver for opening the wallet container upon selection of an acceptance mark in an online payment portal accessible from the computing device.

Abstract: A method of generating map data, a system for generating map data and a method of creating a merchant map based on the generated map data are disclosed. The method of generating map data includes receiving transaction data from a merchant over a communications network, the transaction data including merchant identification data and a time-stamp of the transaction, determining a physical address of the merchant from the merchant identification data, mapping the physical address of the merchant to corresponding geographical coordinates using a geolocation database. The method further includes associating the geographical coordinates with the merchant's identity from the merchant identification data and storing the geographical coordinates, merchant's identity and time-stamp as elements of map data.

Abstract: A method is provided for processing an electronic payment.

Abstract: A method and system are presented for making a secure payment transaction using a payment card associated with a consumer which has been registered with a digital wallet. A secure server is arranged, in response to a request from a merchant server in relation to the consumer, to extract from the digital wallet payment credentials for the payment card. The secure server uses the payment credentials and the identity of the merchant server to generate a token. The token is provided to the merchant. To effect a payment transaction, the merchant server returns the token to the secure server with details of the desired payment transaction, and the secure server arranges for the payment transaction to occur, and notifies the merchant server. The merchant server does not receive the payment credentials of the payment card during this process, so even if its security is compromised, the payment credentials are not at risk.

Abstract: A system and method for facilitating use of a digital electronic wallet by a cardholder for cashless transactions. The method comprises receiving a selection by a first cardholder to pair a first digital wallet held by a first wallet holder with a first merchant, the first digital wallet having therein an electronic representation of at least one payment device usable to fund a cashless transaction, and verifying the cardholder's identity. Thereafter, facilitating a communication between the first cardholder and the first wallet holder to record consent by the first cardholder to share wallet information with the first merchant. The present disclosure further comprises receiving from the first wallet holder authorization to generate a wallet token usable for acquiring wallet information on behalf of the first merchant, using the first digital wallet as selected by the first cardholder, and preparing a merchant token corresponding to the wallet token.

Abstract: A computer system for authenticating user access to at least one computer application of a plurality of computer applications is provided. The computer system includes a memory device and a processor. The computer system is programmed to identify a security level from a plurality of security levels for each computer application within the plurality of computer applications. The plurality of security levels include at least a first-tier security level and a second-tier security level. The second-tier security level requires additional authentication information as compared to the first-tier security level. The computer system is also programmed to create a user account for a user within the memory device with the first-tier security level, and to determine that the user account requires the second-tier security level, and prompt the user to enter the additional authentication information. The computer system is also programmed to promote the user account to the second-tier security level.

Abstract: According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant.

Abstract: Methods and systems for providing business services solutions for small and medium enterprises (SMEs) owned by merchants in developed markets and in developing markets. In some embodiments, a merchant enrolls with a merchant issuer financial institution (FI) and then receives an SME financial account, a suite of shared SME business service applications, and access to a payment card acceptance service for use in setting up and scaling their business. In an implementation, the process includes receiving a request for an SME business platform, validating merchant identification data, providing an SME financial account to the merchant, transmitting an SME business platform acceptance message, and transmitting an SME business platform to the merchant device. The SME business platform includes a payment card account acceptance application and at least one business services application configured for running on the merchant device.

Abstract: A system, method, and computer-readable storage medium configured to track the location of lost payment cards.

Abstract: Systems and methods for validating electrical network models are provided. Systems include a memory configured to store electrical network model data for an electrical network. The electronic device also includes data processing circuitry configured to define in the memory an electrical network model object based, at least in part, on the electrical network model data. The data processing circuitry is further configured to create copies of the electrical network model object in the memory, wherein each copy of the electrical network model object corresponds to a respective set of rules, and wherein each set of rules independently defines a plurality of constraints relating to at least a portion of a plurality of parameters of the electrical network. The data processing circuitry is further configured to determine, in parallel, whether each copy of the electrical network model object is valid with respect to the corresponding set of rules.

Abstract: A computer system for authenticating user access to at least one computer application of a plurality of computer applications is provided. The computer system includes a memory device and a processor. The computer system is programmed to identify a security level from a plurality of security levels for each computer application within the plurality of computer applications. The plurality of security levels include at least a first-tier security level and a second-tier security level. The second-tier security level requires additional authentication information as compared to the first-tier security level. The computer system is also programmed to create a user account for a user within the memory device with the first-tier security level, and to determine that the user account requires the second-tier security level, and prompt the user to enter the additional authentication information. The computer system is also programmed to promote the user account to the second-tier security level.

Abstract: A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account.

Abstract: A processor for use in simulating operation of a portion of an electrical circuit is provided. The processor is configured to receive at least one input indicative of electrical circuit data related to the electrical circuit being simulated, generate a model of the electrical circuit based on the at least one input, receive a user input that indicates the portion of the electrical circuit to be simulated, generate, based on the user input and the electrical circuit model, a partial circuit snapshot that corresponds to the portion of the electrical circuit, and apply at least one event to the partial circuit snapshot to simulate operation of the corresponding portion of the electrical circuit.

Abstract: A system, method, and computer-readable storage medium configured to merge the balances of payment cards into a fused card.