Abstract: Data account management systems and methods are described. A server is in communication with one or more information source systems, at least one user device associated with at least one user and one or more electronic data accounts associated with the user. The server links the electronic data accounts, monitors data among the information source systems and the linked accounts for any changes in activity associated with the user, predicts a behavioral activity of the user via machine learning based on at least one of the monitored data and historical data associated with the user, identifies at least one notification instruction specific to the user based on the predicted behavioral activity, and generates an interactive graphical user interface (GUI) for display on the user device. The interactive GUI presents one or more of the notification instruction and a user profile of the at least one user among the linked accounts.

Abstract: Methods and systems for a mobile companion prepaid card purchase transaction. In an embodiment, a process includes a wallet provider computer receiving, via an application program interface (API) Web request from an issuer financial institution (FI) processor, mobile companion prepaid card data and purchase transaction data and then verifying the availability of funds in a mobile wallet prepaid card account. The process also includes authorizing the purchase transaction based on the verification, debiting an open to buy amount of the mobile companion prepaid card account, and then transmitting a purchase transaction authorization response to the issuer FI processor.

Abstract: A method for processing a declined payment transaction using a secondary financial institution includes: receiving a transaction message for a payment transaction from an acquiring institution, the transaction message including a primary account number, transaction amount, institution identifier, and transaction data; calculating a fraud score based on application of fraud algorithms to data included in the transaction message; transmitting the transaction message and fraud score to an issuer; receiving an authorization response from the issuer, the response including a response code indicative of denial of the transaction; identifying a secondary financial institution; modifying the transaction message by replacing the institution identifier with an alternative identifier associated with the secondary financial institution; and transmitting the modified transaction message to the acquiring institution.

Abstract: Methods and systems for a mobile companion prepaid card purchase transaction. In an embodiment, a process includes a wallet provider computer receiving, via an application program interface (API) Web request from an issuer financial institution (FI) processor, mobile companion prepaid card data and purchase transaction data and then verifying the availability of funds in a mobile wallet prepaid card account. The process also includes authorizing the purchase transaction based on the verification, debiting an open to buy amount of the mobile companion prepaid card account, and then transmitting a purchase transaction authorization response to the issuer FI processor.

Abstract: Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device.

Abstract: Systems and methods that synchronize consumer accounts between disparate payment account systems. In some embodiments, a payment network receives an authorization request for a consumer transaction from a merchant acquirer processor including original payment credentials. The process includes transmitting a query to credential mapping database, receiving a response including a primary account number (PAN) and a multi-entity flag, transmitting the authorization request to an issuer financial institution (FI), receiving an approval response from the issuer FI. The process also includes routing the authorization request and the multi-entity flag to a payment gateway to forward to an appropriate stored value account (SVA) processor, receiving a disposition message indicating approval of the transaction by the SVA processor, and transmitting an authorization response to the merchant acquirer processor.

Abstract: A system, method, and computer-readable storage medium configured to enable commodity voucher transactions.

Abstract: Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device.