Abstract: A computer-implemented method includes: receiving an inquiry request message identifying a first payment transaction having a first plurality of transaction parameters and a first authorization decision; querying a database including transaction data associated with a plurality of historical payment transactions to identify a subset of historical payment transactions, the transaction data including, for each of the plurality of historical payment transactions, a plurality of transaction parameters and an authorization decision, the subset of historical payment transactions including payment transactions having an authorization decision different from the first authorization decision and having a similarity score that satisfies a threshold; determining an impact parameter of the first plurality of transaction parameters by comparing the first plurality of transaction parameters with the plurality of transaction parameters associated with the plurality of historical payment transactions in the subset; and gener

Abstract: Systems, methods, and computer program products may receive, from a merchant system, an authorization request associated with a transaction; communicate the authorization request to an issuer system and initiate a response timer associated with the transaction; in response to the response timer satisfying a predetermined response time amount without receiving, from the issuer system, an authorization response associated with the authorization request, determine an extended response time; and in response to receiving the authorization response from the issuer system before the response timer satisfies a sum of the extended response time amount and the predetermined response time amount, communicate, to the merchant system, the authorization response.

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: The present disclosure relates to methods, compositions and kits for synthesizing moderate length RNAs (mlRNAs, including gRNAs) by splint-mediated ligation of RNA fragments. The synthesis of moderate length RNAs can be followed by DNase treatment. In some embodiments, splint DNA oligonucleotides that are no longer than 32 nucleotides are used.

Abstract: Systems, methods, and computer program products may receive, from a merchant system, an authorization request associated with a transaction; communicate the authorization request to an issuer system and initiate a response timer associated with the transaction; in response to the response timer satisfying a predetermined response time amount without receiving, from the issuer system, an authorization response associated with the authorization request, determine an extended response time; and in response to receiving the authorization response from the issuer system before the response timer satisfies a sum of the extended response time amount and the predetermined response time amount, communicate, to the merchant system, the authorization response.

Abstract: Disclosed herein include guide RNA (gRNA), such as single gRNA (sgRNA), and compositions thereof, comprising 2?-O-methyldithiomethyl modified sugar moieties which can be reduced to 2?-O-methanethiol groups in the reducing environment of cells and then converted (e.g., spontaneously converted) to 2?-OH. The resultant gRNA can bind to and direct the activity of an RNA-guided endonuclease (e.g., Cas9).

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: Provided are methods for multi-task learning (MTL) in deep neural networks. An exemplary method may include receiving an MTL model; receiving a testing data set comprising testing data items for the MTL model, each testing data item comprising a plurality of elements, each element associated with a respective feature; grouping the features into a plurality of groups based on an impact of each feature on the tasks of the MTL model, determining an overall accuracy score and task-specific accuracy scores based on inputting the testing data to the MTL model; applying feature reduction evaluation (FRE) to provide a feature score for each feature; and adjusting the feature scores based on a respective grouping associated with the respective feature and at least one of the overall accuracy score, the task-specific accuracy scores, or any combination thereof to provide an adjusted feature score. Systems and computer program products are also disclosed.

Abstract: Any sensing system is faced with triangle of dilemma between accuracy, latency and energy. High energy and high latency sensing systems are often very accurate but less useful. Embodiments herein provide a method and system for edge based sensor controlling in the IoT network for event monitoring. The system disclosed herein applies a hierarchical sensor selection process and adaptively chooses sensors among multiple sensors deployed in the IoT network. Further, on-the-fly changes operation modes of the sensors to automatically produce the best possible inference from the selected sensor data, in time, power and latency at the edge. Further, sensors of the system include a waveform and diversity control mechanism that enables controlling of an excitation signal of the sensor.

Abstract: Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.

Abstract: Systems, computer-implemented methods, and computer program products for determining correspondence of non-indexed records are described herein. The method may include receiving a clearing record including at least one key field, comparing a value associated with a first key field of the clearing record to a value associated with a first key field of one or more authorization records associated with one or more payment transactions, and determining that the clearing record corresponds to an authorization record from among the one or more authorization records based on comparing the value associated with the first key field of the clearing record to the value associated with the first key field of the one or more authorization records. The method also includes generating an updated clearing record based on determining that the clearing record corresponds to the authorization record, and transmitting the updated clearing record.

Abstract: Provided is a computer-implemented method for determining a loyalty program account at a point-of-sale (POS) device comprising receiving payment transaction data associated with a payment transaction between a user and a merchant, identifying a loyalty program provider associated with the merchant based on receiving merchant identification data associated with an identification of the merchant included in the payment transaction data, determining a user identifier identifying a loyalty program account based on a payment account number of a payment account, communicating a request for validation of the loyalty program account, the request for validation including the user identifier, receiving an indication that the loyalty program account of the user is valid and loyalty program account information associated with the loyalty program account of the user, and processing the payment transaction between the user and the merchant. A system and computer program product are also disclosed.

Abstract: Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.

Abstract: Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.

Abstract: A method for automatically generating an account profile for a user or household, including: determining a first key identification data element type; determining a first key identification data element value; determining a linking identification data element type different than the first key identification data element type; determining at least one linking identification data element value; determining at least one second key identification data element value; and generating an account profile for the user or profile, the user account profile comprising a plurality of key identification data element values associated with the at least one user. A system and computer program product for automatically generating an account profile for a user or household are also disclosed.

Abstract: Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.

Abstract: Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.

Abstract: A server computer may receive a request from a user device of a user for a wait time associated with a merchant. The server computer may receive information comprising dynamic and static data from various entities. The information may include at least transaction data. The server computer may utilize the information to determine a wait time prediction and other conditions associated with the merchant. The determined information may be presented to the user by a notification on the user device.