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: A method for identifying a dynamic checkout button with a contextual offer includes: storing, a plurality of offer data entries, each including display data, a wallet identifier, and a merchant identifier; receiving a page request from an external server, the page request including a specific merchant identifier and a device identifier; receiving a data file from a computing device corresponding to the device identifier, the data file including a specific wallet identifier; identifying a specific offer data entry where the included wallet identifier corresponds to the specific wallet identifier and where the included merchant identifier corresponds to the specific merchant identifier; identifying an image file associated with the specific wallet identifier, wherein the image file includes at least the display data included in the specific offer data entry; and transmitting the identified image file to the external server in response to the page request.

Abstract: Systems and methods are provided for facilitating payment, at a courier terminal of a courier, on delivery of products offered by multiple different merchants. One exemplary method includes receiving, by a computing device, an order record from a merchant identifying a product ordered by a consumer and including a merchant ID for the merchant. The computing device then retrieves, from a data structure, a payment gateway address associated with the merchant ID and modifies the order record to include the payment gateway address. The payment gateway address is for a payment gateway associated with the merchant. The computing device then transmits the modified order record to the courier, thereby permitting the payment gateway address to be imposed on the courier terminal such that a payment account transaction initiated at the courier terminal for payment on delivery of the product is directed to an account specific to the merchant.

Abstract: A method for distributing a travel score includes: storing a plurality of account profiles, each including a primary account number, contact data values, and a home country; receiving itinerary data, the data including specific contact data values, a visiting country, and a travel date; identifying a specific account profile where included contact data values correspond to the specific contact data values; receiving a transaction message for a payment transaction including the primary account number included in the specific account profile, a transaction date, and a transacting country; calculating a travel score for the payment transaction based on at least (i) a correspondence between the transacting country and the visiting country, and (ii) proximity of the transaction date and the travel date; and transmitting the transaction message and the calculated travel score.

Abstract: Embodiments relate to a system, method and medium for facilitating automated distribution of a stated item to two or more receivers, where each of the receivers are associated with one or more entities. A selection device receives information indicating the receivers authorized to receive a stated item. The selection device is used to select which of multiple authorized receivers are to receive the stated item. Once the selector has made the selections, a stated item in a quantity determined by the selector is directed to the selected receivers.

Abstract: Systems and methods are provided for facilitating enrollment of consumers in programs associated with entities. One exemplary method includes, in response to a selection of registration for an account with an entity, calling an application programing interface (API) associated with a virtual wallet platform, and receiving from the virtual wallet platform, via the API, a token associated with the entity. The method also includes displaying the token to a user and receiving, from the virtual wallet platform, a packet of personal identifying information for the user. The method further includes populating an application for registration of the user for the account with the personal identifying information included in the packet, and, upon an input from the user, enrolling the user in a program associated with the entity, based on the personal identifying information included in the packet, and providing the account to the user.

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: 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: A method includes, receiving one or more merchant profiles, wherein each merchant profile includes data related to a related merchant including at least a respective merchant identifier, a respective merchant geolocation, and one or more payment methods accepted by the respective merchant as a form of payment; determining a geolocation associated with a mobile device of a consumer; identifying a first merchant profile, of the one or more merchant profiles, associated with a first merchant, wherein the geolocation associated with the mobile device of the consumer corresponds to the merchant geolocation included in the identified first merchant profile; transmitting an indication of the one or more payment methods accepted by the first merchant as a form of payment; and causing the mobile device of the consumer to output information associated with the one or more payment methods accepted by the first merchant.

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

Abstract: A method of transmitting data from a digital wallet on a user device to a designated server for use by a transaction card application process on the designated server. The method includes receiving code data generated by scanning a code image using the digital wallet on the user device, the code image being associated with a transaction card offer. The code image includes encoded data relating to the transaction card, including an identity of the designated server. The method further includes displaying information relating to the transaction card application process on the user device, the displayed information being generated based at least in part on the code data. The method further includes transmitting, to the designated server, user data for use in the transaction card application process at least a portion of the user data being securely stored by the digital wallet.

Abstract: A merchant score (MS) computing device for generating merchant lending scores for business loans is provided. The MS computing device receives a score request including a merchant identifier associated with a candidate merchant, determines a geolocation and a merchant category associated with the candidate merchant based at least in part on the score request, and retrieves transaction data associated with transactions for a plurality of merchants including the candidate merchant and a set of peer merchants. Each peer merchant is associated with the geolocation and merchant category of the candidate merchant. The MS computing device further compares the transaction data associated with the candidate merchant to the transaction data associated with the peer merchants, generates a merchant lending score associated with the candidate merchant that indicates a relative performance level based on the comparison, and transmits the merchant lending score to a requestor computing device.

Abstract: A method for authentication facilitated via a trusted execution environment includes: reading payment credentials in a first application program stored in a first memory area of a computing device; transmitting an authentication request to a second application program stored in a trusted execution environment of the computing device separate from the first memory area; displaying a prompt for authentication data based on an instruction supplied by the second application program; receiving authentication data; transmitting the received authentication data to an external computing device; receiving, by the second application program of the computing device, an authentication result from the external computing device; and transmitting, by the second application program of the computing device, the authentication result to the first application program in response to the authentication request.

Abstract: A scoring engine computing device for generating personalized lending scores is provided. The scoring engine computing device receives a request including a cardholder identifier associated with a candidate cardholder, determines demographic data associated with the candidate cardholder, and retrieves transaction data for a plurality of cardholders including the candidate cardholder and a set of peer cardholders. Each cardholder of the set of peer cardholders is associated with the determined demographic data of the candidate cardholder, and the transaction data is associated with transactions for a plurality of spending categories. The scoring engine computing device further normalizes the transaction data associated with the candidate cardholder by category, generates a personalized lending score associated with the candidate cardholder that indicates a spending trend of the candidate cardholder, and transmits the personalized lending score to a requestor computing device.

Abstract: A method for predicting parking space availability using normalized data includes: storing a number of parking spaces for each of a plurality of geographic areas; storing a number of payment transactions for each geographic area processed during a related period of time; receiving an availability request a specific period of time; normalizing parking spot availability for each geographic area based on the associated number of parking spaces and an average number of parking spaces for the geographic areas; normalizing the number of payment transactions for each geographic area based on the number of transactions processed during the specific period of time and the number of transactions processed during a corresponding period of time; calculating a composite score for each geographic area based on the associated normalized parking spot availability and transaction frequency; and transmitting the calculated composite score for each geographic area in response to the received availability request.

Abstract: Some embodiments of the present invention include a method for determining schema change in events received by a data stream processing system. The method includes receiving, by a data stream processing system, a plurality of events generated by a plurality of devices including a first device, wherein events generated by the first device are to include information consistent with a data schema associated with the first device; grouping, by the data stream processing system, events associated with the first device into a first group of events; comparing, by the data stream processing system, two events from the first group of events with the data schema associated with the first device; and generating, by the data stream processing system, an alert condition based at least on either of the two events from the first group of events including information inconsistent with the data schema associated with the first device.

Abstract: A flow-processing hierarchical system including four hierarchical levels (also called tiers) is disclosed. Each hierarchical level of processing handles increasingly higher levels of computational complexity and flexibility at a gradual corresponding reduction in throughput.

Abstract: A method includes receiving a purchase order via a telephone call from a customer. As part of the phone call, a credentials service customer identifier assigned to the customer is received from the customer. The method further includes transmitting a message to a credentials service that issued the customer identifier. Payment credentials are received from the credentials service. The payment credentials include a payment token that is associated with a payment account that belongs to the customer. The method further includes generating a payment account system authorization request message. The authorization request message includes the payment token. In addition, the method includes transmitting the authorization request message for routing to an issuer of the payment account.

Abstract: To optimize the multi-table search process, the present disclosure defines a method in which searching across multiple OpenFlow tables is consolidated into searching across a set of three distinct flow caches called access control, application, and forward flow caches. Each OpenFlow table is mapped into one of these flow caches based on the size of the table and whether it contains flows of different priority. The mapping rule ensures that large (in terms of number of entries) OpenFlow tables with no conflicting priority rules are mapped to a flow cache. The disclosed techniques reduce the number of searches and, at the same time, selectively avoid a costly process of revalidation of entries in the flow cache when new higher-priority flows are added by the SDN controller.

Abstract: Systems, methods, and software products, fulfill a request through an online structure. The request for a request amount is received within the online structure from a requestor. The request amount is divided by a split amount to determine a chosen number of potential donors from which to request donations. The chosen number of potential donors are selected from a pool of potential donors and are each sent a request for the split amount in a communication based upon a protocol of the online structure and via a network of the online structure. A response, received from each of the selected chosen number of potential donors via the network using another communication of the protocol. When the response includes the donation amount, the donation amount is collected as received donations within the online structure. The received donations are sent to the requestor when the requested amount is fulfilled.