Abstract: Embodiments provide methods, and server systems connecting with a customer service representative/agent for a financial transaction. A method includes sending, by a server system, a message related to a financial transaction to a user device using a messaging protocol. The message includes at least one option to receive a response of the message from the user device for connecting with an agent. The method includes receiving the response of the message from the user device. The response includes an authentication data. The method includes verifying the authentication data. Upon successful verification, the method includes electronically extracting at least one context of the message from the response. The method includes sending the at least one context to a Customer Service Centre (CSC) server. The CSC server is configured to assign the agent to the user based on the at least one context for an upcoming conversation about the message.

Abstract: Embodiments provide methods and systems for verifying plurality of user attributes corresponding to a purchase of a user, including restricted products. Methods include receiving a payment request for purchasing a plurality of products, determining plurality of attributes to be verified for the payment request by applying regulatory rules on a products related information associated with the plurality of products, transmitting a payment link, to the merchant terminal including at least one user-specific attribute to be verified from the user.

Abstract: A method for facilitating e-commerce transactions includes monitoring a purchase pattern of a user on various e-commerce interfaces for a first time-interval by a bot. The purchase pattern indicates frequency-of-use information of various payment options used by the user to make purchases within the first time-interval. The bot receives a user-profile of the user, when the user makes a first purchase through a first e-commerce interface after the first time-interval. Based on the user-profile and the purchase pattern, the bot retrieves a first set of payment options from the payment options. The bot customizes a payment interface to display the first set of payment options from an available set of payment options on the payment interface. The user selects one of the first set of payment options to perform an e-commerce transaction for the first purchase.

Abstract: The invention relates to methods, systems and computer program products for securing one time passwords (OTP) for use in OTP based authorization of electronic payment transactions. The invention involves transmission and display of an OTP at a user device in response to a prior determination that a user operating the user device is authorized to implement a payment transaction through a payment account associated with the payment transaction. The invention implements this through transmission to the user device associated with the identified payment account, a data message initiating a process for verification of identity of a user operating the user device. Responsive to determining that the user operating the user device is authorized to operate the payment account, displaying the OTP on the user device for implementation of the payment transaction.

Abstract: Embodiments provide a method for facilitating sharing of digital documents between a sharing party and a relying party. The method includes receiving, by a processing system, an access request for accessing at least one attribute of a digital document. The access request is initiated at a relying party interface in a document sharing application. The method further includes sending, by the processing system, the access request to a sharing party interface in the document sharing application for approval of providing access to the at least one attribute of the digital document by the sharing party to the relying party. The method further includes, upon receiving the approval from the sharing party interface, generating a machine-readable encrypted code for the at least one attribute of the digital document. The method further includes sending the machine-readable encrypted code to the relying party interface.

Abstract: Embodiments provide methods and systems for verifying plurality of user attributes corresponding to a purchase of a user, including restricted products. Methods include receiving a payment request for purchasing a plurality of products, determining plurality of attributes to be verified for the payment request by applying regulatory rules on a products related information associated with the plurality of products, transmitting a payment link, to the merchant terminal including at least one user-specific attribute to be verified from the user.

Abstract: A method for facilitating payment transactions includes receiving a transaction request for a payment transaction initiated at a payment terminal device using a transaction card of a user. A predefined category of the user is identified based on the transaction request and a service application is remotely activated in a first operation mode on a user device of the user such that the first operation mode is associated with the identified predefined category. Payment transaction messages associated with the payment transaction are communicated to the activated service application, which translates the payment transaction messages to a predefined message format. In response to the payment transaction messages, first authentication information is received from the activated service application such that the first authentication information is entered by the user in the predefined message format. The payment transaction is processed based on successful authentication of the user.

Abstract: Embodiments provide methods, and server systems connecting with a customer service representative/agent for a financial transaction. A method includes sending, by a server system, a message related to a financial transaction to a user device using a messaging protocol. The message includes at least one option to receive a response of the message from the user device for connecting with an agent. The method includes receiving the response of the message from the user device. The response includes an authentication data. The method includes verifying the authentication data. Upon successful verification, the method includes electronically extracting at least one context of the message from the response. The method includes sending the at least one context to a Customer Service Centre (CSC) server. The CSC server is configured to assign the agent to the user based on the at least one context for an upcoming conversation about the message.

Abstract: A method for SMS fraud detection can begin at an SMS gateway and include receiving a message for transmittal via SMS for a recipient; assigning a fraud score to the message; appending, to the message, a trust indicator based on the fraud score; and sending the message with the trust indicator to the recipient via SMS. Assigning a fraud score can include checking a link included in the message and/or checking content in the message itself, and then calculating a fraud score based on the link and/or content of the message.

Abstract: The invention relates to methods, systems and computer program products for securing one time passwords (OTP) for use in OTP based authorization of electronic payment transactions. The invention involves transmission and display of an OTP at a user device in response to a prior determination that a user operating the user device is authorized to implement a payment transaction through a payment account associated with the payment transaction. The invention implements this through transmission to the user device associated with the identified payment account, a data message initiating a process for verification of identity of a user operating the user device. Responsive to determining that the user operating the user device is authorized to operate the payment account, displaying the OTP on the user device for implementation of the payment transaction.

Abstract: In an embodiment, a method includes accessing one or more digital applications by a server system. Each of the one or more digital applications is configured to be accessed by a plurality of users. The method also includes determining, by the server system, compliance content in each of the one or more digital applications. The method further includes removing the compliance content determined from each of the one or more digital applications. The method further includes storing the compliance content in a central repository. Thereafter, the method includes facilitating integration of one or more widgets into each of the one or more digital applications to access the compliance content stored in the central repository. The one or more widgets integrated into a digital application of the one or more digital applications enable a user of the digital application to access the compliance content from the central repository.

Abstract: The invention provides systems, methods and computer program products for providing optimized customer support over data networks. In an embodiment the invention comprises implementing within a processor based computing system, the steps of (i) receiving voice data from a customer through a client terminal, (ii) converting the received voice data to text data, (iii) extracting one or more search parameters from the converted text data, wherein said extracted search parameters are based on at least one of a context or a subject identified from the converted text data, (iv) retrieving from a customer record database, at least one customer record that matches the extracted one or more search parameters, and (v) transmitting the retrieved at least one customer record to a customer service representative terminal for display to a customer service representative.

Abstract: The invention provides systems, methods and computer program products for providing optimized customer support over data networks. In an embodiment the invention comprises implementing within a processor based computing system, the steps of (i) receiving voice data from a customer through a client terminal, (ii) converting the received voice data to text data, (iii) extracting one or more search parameters from the converted text data, wherein said extracted search parameters are based on at least one of a context or a subject identified from the converted text data, (iv) retrieving from a customer record database, at least one customer record that matches the extracted one or more search parameters, and (v) transmitting the retrieved at least one customer record to a customer service representative terminal for display to a customer service representative.

Abstract: In an embodiment, a method includes accessing one or more digital applications by a server system. Each of the one or more digital applications is configured to be accessed by a plurality of users. The method also includes determining, by the server system, compliance content in each of the one or more digital applications. The method further includes removing the compliance content determined from each of the one or more digital applications. The method further includes storing the compliance content in a central repository. Thereafter, the method includes facilitating integration of one or more widgets into each of the one or more digital applications to access the compliance content stored in the central repository. The one or more widgets integrated into a digital application of the one or more digital applications enable a user of the digital application to access the compliance content from the central repository.

Abstract: A method for facilitating e-commerce transactions includes monitoring a purchase pattern of a user on various e-commerce interfaces for a first time-interval by a bot. The purchase pattern indicates frequency-of-use information of various payment options used by the user to make purchases within the first time-interval. The bot receives a user-profile of the user, when the user makes a first purchase through a first e-commerce interface after the first time-interval. Based on the user-profile and the purchase pattern, the bot retrieves a first set of payment options from the payment options. The bot customizes a payment interface to display the first set of payment options from an available set of payment options on the payment interface. The user selects one of the first set of payment options to perform an e-commerce transaction for the first purchase.

Abstract: Embodiments provide a method for facilitating sharing of digital documents between a sharing party and a relying party. The method includes receiving, by a processing system, an access request for accessing at least one attribute of a digital document. The access request is initiated at a relying party interface in a document sharing application. The method further includes sending, by the processing system, the access request to a sharing party interface in the document sharing application for approval of providing access to the at least one attribute of the digital document by the sharing party to the relying party. The method further includes, upon receiving the approval from the sharing party interface, generating a machine-readable encrypted code for the at least one attribute of the digital document. The method further includes sending the machine-readable encrypted code to the relying party interface.

Abstract: According to an embodiment, there is provided a method for dynamically providing an image to be displayed on a display of a device.

Abstract: A server and method for managing a user pairing is provided. The method comprises receiving, from a target user device, target user information from a target user, the target user information including a product in which the target user is interested, a product amount of the product and a target user amount which the target user is willing to offer for the product; obtaining, from a database, user information to identify one or more users who have indicated interest in the product and are willing to offer a total amount which is equal to or more than a difference between the product amount and the target user amount; and sending, to the target user device, a pairing message informing the target user of a determination of a pairing of the target user and the identified one or more users.

Abstract: Access channel definition technology, in which a user experience for a secondary access channel is defined using one or more pre-configured user experience components that enable mapping of a user experience defined for a primary access channel to the user experience for the secondary access channel and that adapt the user experience for the secondary access channel to characteristics of devices that access the secondary access channel. In addition, a portal for the secondary access channel is defined using one or more pre-configured portal components and content management for the secondary access channel is defined using one or more pre-configured content management components that leverage content developed for the primary access channel and that customize presentation of the content for the secondary access channel. The secondary access channel is configured based on the defined user experience, the defined portal, and the defined content management.

Abstract: Access channel definition technology, in which a user experience for a secondary access channel is defined using one or more pre-configured user experience components that enable mapping of a user experience defined for a primary access channel to the user experience for the secondary access channel and that adapt the user experience for the secondary access channel to characteristics of devices that access the secondary access channel. In addition, a portal for the secondary access channel is defined using one or more pre-configured portal components and content management for the secondary access channel is defined using one or more pre-configured content management components that leverage content developed for the primary access channel and that customize presentation of the content for the secondary access channel. The secondary access channel is configured based on the defined user experience, the defined portal, and the defined content management.