Abstract: Disclosed is a method including receiving user credentials from a user device by a server system. The user credentials are authenticated by the server system. A token is transmitted to the user device by the server system. A plurality of transaction requests, each including a transaction amount and the token, are received by the server system from the user device. The server system utilizes the token to determine whether to approve each transaction request until the token expires. These steps are repeated after the token has expired.

Abstract: A process for efficiently storing and accessing data for a payment system is described. An association is created between a payment system participant and a hierarchy node associated with a hierarchy. An association is created between a payment system data element and each node in the hierarchy. The hierarchy is stored in a first database and the second data elements are stored in a second database. A request for information is accepted from a payment system participant. The hierarchy is retrieved from the first database. The second database is traversed to obtain a set of data elements including all of the data elements located at memory locations associated with each node in a portion of the hierarchy. The set of data elements is provided in response to the request. The portion of the hierarchy traversed to obtain the data elements consists of all nodes subordinate to the hierarchy node.

Abstract: Methods of and systems for securely monitoring a balance of a payment account include storing, in a first database, ledger data and storing, in a second database, wallet data. Wallet data includes a wallet balance value for the payment account. When a transaction is initiated using the payment account, an access operation is performed on the wallet table. Illicit or improper modifications can be detected by deriving a ledger comparison value from the ledger data and comparing the derived ledger comparison value to a wallet comparison value from the wallet data.

Abstract: Disclosed is a method including receiving user credentials from a user device by a server system. The user credentials are authenticated by the server system. A token is transmitted to the user device by the server system. A plurality of transaction requests, each including a transaction amount and the token, are received by the server system from the user device. The server system utilizes the token to determine whether to approve each transaction request until the token expires. These steps are repeated after the token has expired.

Abstract: A payment processing system includes a server that processes a request for a transaction between a customer and a merchant. The customer is associated with a customer profile defining a customer security level that is one of a plurality of customer security levels. The merchant is associated with a merchant profile defining a merchant security level that is one of a plurality of merchant security levels. A risk service determines a risk for the request based on transaction data of the purchase transaction request, the customer profile, and the merchant profile. The risk service determines the risk by operating at a risk assessment level that is one of a plurality of risk assessment levels at which the risk service operates depending on the customer and the merchant security level defined by the customer and the merchant profile. The risk service generates a fraud warning based on a result.

Abstract: Systems and methods for fraud monitoring in a payment service are disclosed. An exemplary system includes a first server being located at a first locale and routing a first series of transaction requests. The system includes a second server being located at a second locale and routing a second series of transaction requests. The transactions requests may or may not be associated with a single payment service user account. The system includes a distributed cache storing a set of transaction details of the two series of transaction requests. The system includes a risk service having access to the set of transaction details from the distributed cache. The risk service generates a fraud warning based on a result of a comparison of at least one transaction detail in the set of transaction details and at least one transaction detail of a new transaction request received by the first server.

Abstract: A process for managing a payment transaction between a payor and payee is described. A payment processing interface hosted by a transaction server not controlled by the payee is embedded within a user interface of the payee. Information relating to the transaction, which includes an amount of the transaction, is obtained. The payment processing interface is displayed within the user interface and includes the amount of the transaction and prompt(s) for payor payment account information. Encrypted payment account information is sent from the payor to the transaction server in response to the prompt(s) without exposing said information to outside parties. The payment account information is decrypted at the transaction server and used to process the transaction. The transaction server provides an indicator of success or failure of the transaction to the payor and stores a record of the transaction for subsequent review by the payee.

Abstract: Methods of and systems for securely monitoring a balance of a payment account include storing, in a first database, ledger data and storing, in a second database, wallet data. Wallet data includes a wallet balance value for the payment account. When a transaction is initiated using the payment account, an access operation is performed on the wallet table. Illicit or improper modifications can be detected by deriving a ledger comparison value from the ledger data and comparing the derived ledger comparison value to a wallet comparison value from the wallet data.

Abstract: A process for efficiently storing and accessing data for a payment system is described. An association is created between a payment system participant and a hierarchy node associated with a hierarchy. An association is created between a payment system data element and each node in the hierarchy. The hierarchy is stored in a first database and the second data elements are stored in a second database. A request for information is accepted from a payment system participant. The hierarchy is retrieved from the first database. The second database is traversed to obtain a set of data elements including all of the data elements located at memory locations associated with each node in a portion of the hierarchy. The set of data elements is provided in response to the request. The portion of the hierarchy traversed to obtain the data elements consists of all nodes subordinate to the hierarchy node.

Abstract: A service request having an external format is received by a server. The service request is translated from the external channel format into a common internal system format using a discrete adaptor for that external channel format. The service request is then applied to a service lookup table to lookup a service address. The service lookup table is updated by adding an entry to the lookup up table. When in the internal system format, the header of the request uses an identical nomenclature as the service lookup table to identify the requested service. At least part of the application of the service request to the lookup table and the update of the service lookup table can occur simultaneously.

Abstract: Systems and methods for fraud monitoring in a payment service are disclosed. An exemplary system includes a first server being located at a first locale and routing a first series of transaction requests. The system includes a second server being located at a second locale and routing a second series of transaction requests. The transactions requests may or may not be associated with a single payment service user account. The system includes a distributed cache storing a set of transaction details of the two series of transaction requests. The system includes a risk service having access to the set of transaction details from the distributed cache. The risk service generates a fraud warning based on a result of a comparison of at least one transaction detail in the set of transaction details and at least one transaction detail of a new transaction request received by the first server.

Abstract: Methods of and systems for securely monitoring a balance of a payment account include storing, in a first database, ledger data and storing, in a second database, wallet data. Wallet data includes a wallet balance value for the payment account. When a transaction is initiated using the payment account, an access operation is performed on the wallet table. Illicit or improper modifications can be detected by deriving a ledger comparison value from the ledger data and comparing the derived ledger comparison value to a wallet comparison value from the wallet data.

Abstract: Systems and methods for processing a request from a client using a service request circuit breaker are disclosed. An exemplary system includes a request evaluator for receiving the client request and generating an external request. A request transmitter sends the external request to an external server. An external channel monitor evaluates how the external server responds to the external request. A service request circuit breaker activates in response to the monitor determining that the external server is unavailable. A persistent data store instantiates a queue. The queue stores the external request in response to the monitor determining that the external server is unavailable. The queue stores a second external request before it is sent to the external server if the service request circuit breaker is activated. The external server monitoring component evaluates how the external server responds to a periodic ping.