Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.

Abstract: A blockchain based alias directory may be utilized. Encrypted lists of aliases may be stored on the blockchain and may be accessible to network computers and secure gateways. Embodiments are directed to secure gateways and user devices for accessing the alias directory stored in the blockchain during a financial transaction. The user device may be provided with a list of aliases from which a user may select a payment account. Upon selection the user may be redirected to an identity verification system of the associated payment network.

Abstract: The REMOTE DECOUPLED APPLICATION PERSISTENT STATE APPARATUSES, METHODS AND SYSTEMS (“P-STATE”) transforms purchase action input, cookie states search criteria input, and cookie states selection input via P-STATE components such as cookie/states storage (“CSS”) component; cookie states search presentation (“CSSP”) component; and cookie/states reload/recreate (“CSRR”) component, into cookie state presentation outputs.

Abstract: A system for intelligent recurring transaction processing and fraud detection comprises an artificial intelligence (AI) platform including machine learning (ML) models that are in communication with server computers. The servers access historical payment transaction data from a transaction database to train the ML models to predict future recurring transactions. The servers receive an authorization request from an acquirer for a payment transaction by a cardholder using a payment device, process the authorization request to the issuer and transmit a response. Transaction data from the authorization request is input into the ML models to predict whether the payment transaction comprises a recurring payment transaction and if so, determine a predicted date of a next recurring transaction. An API call is initiated to the issuer with transaction attributes regarding the next recurring payment transaction prior to the predicted date, and the issuer sends an alert message directly to the cardholder.

Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.

Abstract: A method including receiving a selection from a first user device associated with a user, creating and storing a first cookie associated with states of a user account of the user that reflects the selection, and receiving, from a second user device, a request for state data related to the states of the user account. The method includes identifying the first cookie in response to the request for state data and determining a platform type of the second user device. The method includes generating a second cookie compliant with the platform type of the second user device based on the first cookie. The method includes sending the generated second cookie to the second user device, the second cookie including instructions to present the selection on the second user device via the platform type of the second user device.

Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (DCB) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.

Abstract: A central platform provides proxy dynamic values for any one of a number of a cardholder's portable payment devices, upon a request for such information made during a transaction. The proxy dynamic value can be provided to the merchant, who then can route it into the acceptance network in order to initiate the authentication process. The central platform provides the actual primary account number associated with the proxy dynamic value during the authentication process.

Abstract: A facial recognition system may monitor a light source that causes a unique pattern of light to be projected on the subject during image capture. The lighting pattern may include intensity, color, source location, pattern, modulation, or combinations of these. The lighting pattern may also encode a signal used to further identify a location, time, or identity associated with the facial recognition process. In some embodiments the light source may be infrared or another frequency outside the visible spectrum but within the detection range of a sensor capturing the image.

Abstract: A system for intelligent recurring transaction processing and fraud detection comprises an artificial intelligence (AI) platform including machine learning (ML) models that are in communication with server computers. The servers access historical payment transaction data from a transaction database to train the ML models to predict future recurring transactions. The servers receive an authorization request from an acquirer for a payment transaction by a cardholder using a payment device, process the authorization request to the issuer and transmit a response. Transaction data from the authorization request is input into the ML models to predict whether the payment transaction comprises a recurring payment transaction and if so, determine a predicted date of a next recurring transaction. An API call is initiated to the issuer with transaction attributes regarding the next recurring payment transaction prior to the predicted date, and the issuer sends an alert message directly to the cardholder.

Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

Abstract: The W-CONNECTOR (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

Abstract: A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.

Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.

Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.

Abstract: The CONVERGED MERCHANT PROCESSING APPARATUSES, METHODS AND SYSTEMS (“CMP”) facilitates the generation of user accounts with merchants. The user may be logged into an electronic wallet or issuer account, and may initiate an account generation process with a one-click mechanism. The CMP may provide information to the merchant in order to facilitate the generation of the account after receiving data from the electronic wallet or issuer.

Abstract: A computer implemented method including receiving guest data corresponding to a transaction. The method determining a guest transaction total based on the number of prior transactions associated with the guest identifying information. The method includes determining that the guest transaction total is greater than the predetermined threshold number of transactions and responding accordingly.