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: 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: An artificial intelligence (AI)-based content communications system leverages microtrends identified from conversations in real-time to support targeted content mapped to the identified microtrends. The communications system receives conversation information of participants, including text of conversation, timestamp, and, optionally, geographical information, from a listening service authorized to capture the conversation information; determines one or more topic microtrends having above-threshold activity; retrieves content with tags having generated keywords associated with a corresponding topic microtrend; and generates a message comprising the content and, optionally, a topic microtrend dashboard to provide to an identified contact associated with the topic microtrend. In some cases, the content is directly pushed to a social media handle associated with the content.

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: 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: 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: 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.