Abstract: Methods for artificial intelligence-based data access control are disclosed herein. An example computer-implemented method comprises: obtaining information management data associated with a computing environment; preprocessing the information management data to generate a set of user profiles and data asset consumption profiles for the plurality of users; generating a set of access controls for the computing environment including a set of user data access entitlements by inputting the preprocessed information management data to one or more generative artificial intelligence models; obtaining a data access request from a user; identifying a subset of the set of access controls including one or more user data access entitlements assigned to the user; applying the one or more user data access entitlements to the data access request to determine whether the data access request is valid or invalid; and in response to determining the data access request is valid, providing data access to the user.

Abstract: Methods for artificial intelligence-based data access control are disclosed herein. An example computer-implemented method comprises: obtaining contextual data for a virtual computing environment; generating, by the one or more generative AI models, a set of access controls for the virtual computing environment including a set of virtual entity data access entitlements based on the contextual data; simulating the virtual computing by: generating one or more virtual data access requests, and applying the set of access controls to the one or more virtual data access requests; evaluating performance for the set of access controls based on the impact of applying the set of access controls to the one or more data access requests; and based on the evaluation: updating, by the one or more generative AI models, the set of access controls; or approving the set of access controls for use in the computing environment.

Abstract: Systems and methods to mask Personally Identifiable Information (“PII”) without masking proximate context are provided. The system may create a raw data set using at least one data file including PII through an ingestion pipeline. The system may identify and categorize the type of PII to be masked and record the type of PII in a data field. The system may selectively mask the PII by analyzing at least one location to determine a context proximate to the PII and masking only the PII. The system may output a masked data set including the at least one data file with the PII selectively masked and the data field containing a record of the type of PII selectively masked.

Abstract: Exemplary systems and methods for aggregating consumer-specific transactions made to member merchants associated with a social venture are disclosed. One exemplary method includes distributing a merchant computing device to each of multiple member merchants associated with a social venture and capturing and storing, in memory, multiple transactions from the merchant computing devices, during a social venture period. At least two of the multiple transactions involve a consumer account. The exemplary method further includes aggregating the at least two transactions to the consumer account into a single transaction and submitting the single transaction to an acquirer to be settled.

Abstract: Systems and methods are provided for use in identifying card-on-file payment account transactions. An example method includes accessing, by a computing device, transaction data included in a data structure, where the transaction data includes transaction data for a transaction associated with a payment account and involving a merchant. The method also includes generating, by the computing device, a card-on-file probability score for the transaction, based on whether the transaction data includes a recurring payment indicator for the transaction, whether the transaction involves a known card-on-file application, whether the merchant is a known card-on-file merchant, whether a card verification code is included in the transaction data for the transaction, and/or whether other transactions to the payment account and involving the merchant have been made in a defined interval.

Abstract: Systems and methods of providing dynamically calculated spend ranged segmentations are disclosed. Payment account transaction data is selectively chosen based upon time of payment, whether the payment account associated with a portable consumer device is activated, account type, and geographic location where each account was issued. Outputs are thereby produced demonstrating spend ranges within certain categories evidencing affluence.

Abstract: A method and system are provided herein of improving the integrity of location data in records resulting from ATM-based single message transactions processed over a payment network including: electronically storing records on a specialized computing device, the records resulting from ATM-based single message transactions processed over a payment network; geocoding location data in the records to generate geocoded records which are electronically stored on the specialized computing device; extracting at least two details from a first of the geocoded records; and, comparing, using a special purpose database management system, the at least two details with data structures maintained in a special purpose database of ATM-related information generated independently of the records resulting from the ATM-based single message transactions.

Abstract: A method and a system are provided for indexing returns of goods by a payment card holder to a merchant. The method includes retrieving a first set of information including payment card transaction information of a plurality of payment card holders; retrieving a second set of information including merchant information of a plurality of merchants; creating one or more benchmarks for a rate of return of goods by a plurality of payment card holders to a plurality of merchants; identifying a second rate of return of goods by a plurality of payment card holders to a selected merchant; and generating one or more indices based on the one or more benchmarks for the rate of return of goods by the plurality of payment card holders to the plurality of merchants and the second rate of return of goods by the plurality of payment card holders to the selected merchant.

Abstract: Exemplary systems and methods for aggregating consumer-specific transactions made to member merchants associated with a social venture are disclosed. One exemplary method includes distributing a merchant computing device to each of multiple member merchants associated with a social venture and capturing and storing, in memory, multiple transactions from the merchant computing devices, during a social venture period. At least two of the multiple transactions involve a consumer account. The exemplary method further includes aggregating the at least two transactions to the consumer account into a single transaction and submitting the single transaction to an acquirer to be settled.