Abstract: Systems and computer-implemented methods are described for modeling card inactivity. For example, hierarchical modeling may be used in which a first level classifier may be trained and validated to predict whether a card will be inactive. For cards predicted to become inactive by the first level classifier, a second level classifier may be trained and validated to predict when the card will become inactive. The first level classifier may include a binary classifier that generates two probabilities that respectively predict that the card will and will not become inactive. The second level classifier may include a multi-class classifier that generates a first probability that the card will become inactive at a first time period (such as one or more months in the future) and a second probability that the card will become inactive at a second time period. The multi-class classifier may generate other probabilities corresponding to other time periods.

Abstract: Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed.

Abstract: Systems and techniques for increasing the efficiency of a process of providing a resource by a resource provider are disclosed. In one example, a method detects a presence of a vehicle at a fuel dispenser, transmits an authorization request message automatically in response to detecting the presence of the vehicle, and automatically allows the fuel dispenser to dispense fuel to the vehicle.

Abstract: Described herein is a system in which an electronic record is stored on a distributed environment. In this system, a computing entity that receives an action request with respect to an account may receive or generate an electronic identifier for that account. The computing entity may then identify an electronic record comprising a number of interaction records related to the electronic identifier within the distributed environment. The computing entity is then able to request account-specific information directly from an originating entity for each of the interaction records. In some embodiments, the computing entity may separately determine a level of trust to be associated with each originating entity. In some embodiments, the computing entity may determine a risk level to be associated with an action indicated in the action request based on the received account-specific information.

Abstract: Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed.

Abstract: Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed.

Abstract: A system and method which includes hardware and software is disclosed which may enable secure transactions from a vehicle.

Abstract: A system and method which includes hardware and software is disclosed which may enable secure transactions from a vehicle.

Abstract: Provided is a computer-implemented method for conducting a secure payment transaction for a purchase at a merchant in using a client device and a remote point-of-sale (POS) system associated with the merchant. The method includes receiving, with a client device, at least one identifier for at least one product to be purchased, the at least one product associated with a transaction value, and detecting a checkout action with the client device. In response to detecting the checkout action, the method includes generating at least one transaction message based on the transaction value of the at least one item to be purchased and at least one account identifier, generating a cryptogram based at least partially on the at least one transaction message and the at least one issuer key, and transmitting the cryptogram to the remote POS system associated with the merchant. A system and computer program product are also disclosed.

Abstract: A system and method which includes hardware and software is disclosed which may enable secure transactions from a vehicle.

Abstract: Described herein is a system in which an electronic record is stored on a distributed environment. In this system, a computing entity that receives an action request with respect to an account may receive or generate an electronic identifier for that account. The computing entity may then identify an electronic record comprising a number of interaction records related to the electronic identifier within the distributed environment. The computing entity is then able to request account-specific information directly from an originating entity for each of the interaction records. In some embodiments, the computing entity may separately determine a level of trust to be associated with each originating entity. In some embodiments, the computing entity may determine a risk level to be associated with an action indicated in the action request based on the received account-specific information.

Abstract: Systems and techniques for increasing the efficiency of a process of providing a resource by a resource provider are disclosed. In one example, a method detects a presence of a vehicle at a fuel dispenser, transmits an authorization request message automatically in response to detecting the presence of the vehicle, and automatically allows the fuel dispenser to dispense fuel to the vehicle.

Abstract: A system and method which includes hardware and software is disclosed which may enable secure transactions from a vehicle.