Abstract: Disclosed herein are systems, methods, and software for providing a platform for complex image data analysis using artificial intelligence and/or machine learning algorithms. One or more subsystems allow for the capturing of user input such as eye gaze and dictation for automated generation of findings. Additional features include quality metric tracking and feedback, and worklist management system and communications queueing.

Abstract: Disclosed herein are systems, methods, and software for providing a platform for complex image data analysis using artificial intelligence and/or machine learning algorithms. One or more subsystems allow for the capturing of user input such as eye gaze and dictation for automated generation of findings. Additional features include quality metric tracking and feedback, and worklist management system and communications queueing.

Abstract: Disclosed herein are systems, methods, and software for providing a platform for complex image data analysis using artificial intelligence and/or machine learning algorithms. One or more subsystems allow for the capturing of user input such as eye gaze and dictation for automated generation of findings. Additional features include quality metric tracking and feedback, and worklist management system and communications queueing.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A transaction network host may comprise various modules and engines as discussed herein wherein the probability that a transaction is a business or personal transaction may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes. For instance, a probable personal transaction may be identified as being associated with a business-oriented transaction card, whereby the transaction network may tailor the handling of the transaction, such as by denying it, whereby the transaction network may actively deter misuse of transaction products whereby the transaction network more properly functions according to approved parameters.

Abstract: Systems and methods for secondary fraud detection during transaction verifications are disclosed. A payment system may transmit a fraud protection notification to a user in response to potential fraud being detected as part of a primary transaction fraud detection process. In response to the user interacting with the fraud protection notification to confirm that the transaction was not fraudulent, the system may capture user device data from the user's device. The system may perform a secondary fraud detection process on the captured user device data to determine whether the verification of the transaction has a risk of being fraudulent.

Abstract: A merchant server may integrate device identifying code into a webpage. In response to a device accessing the webpage, the device identifying code may cause the merchant server to obtain characteristics of the device. A device registry may compare the characteristics of the device with known device profiles to determine a risk level of the device. A transaction account issuer may utilize the risk level in performing an authorization evaluation.

Abstract: A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to receiving, by an application of a transaction account holder web client, a first passively pushed message, in response to a declined first attempt of a transaction request transmitting, by the transaction account holder web client, a response to the first passively pushed message; receiving, by an application of the transaction account holder web client, a second passively pushed message, in response to the response to the first passively pushed message meeting pre-established criteria; and transmitting, by the transaction account holder web client, a second attempt of the transaction request, wherein the second attempt is authorized.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A business size arbitration network host may comprise various modules and engines as discussed herein wherein the size of the business (e.g., aggregate value of sales) may be identified as being relatively large, whereby the transaction network may tailor the handling of a transaction of the business, such as by adjusting handling speed, fees, etc., whereby the transaction network may actively encourage use of transaction products and services by relatively large businesses, and/or such as by delivering value-added services, such as electronically provided advertisements and/or offers, and/or other credit and/or lending products, whereby the transaction network more properly functions according to approved parameters.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.

Abstract: A merchant server may integrate device identifying code into a webpage. In response to a device accessing the webpage, the device identifying code may cause the merchant server to obtain characteristics of the device. A device registry may compare the characteristics of the device with known device profiles to determine a risk level of the device. A transaction account issuer may utilize the risk level in performing an authorization evaluation.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.

Abstract: A merchant server may integrate device identifying code into a webpage. In response to a device accessing the webpage, the device identifying code may cause the merchant server to obtain characteristics of the device. A device registry may compare the characteristics of the device with known device profiles to determine a risk level of the device. A transaction account issuer may utilize the risk level in performing an authorization evaluation.

Abstract: One-to-many comparisons of callers' voice prints with known voice prints to identify any matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract at least a portion of the customer's voice to create a customer voice print, and it formats the segmented voice print for network transmission to a server. The server compares the customer's voice print with multiple known voice prints to determine any matches, meaning that the customer's voice print and one of the known voice prints are likely from the same person. The identification of any matches can be used for a variety of purposes, such as determining whether to authorize a transaction requested by the customer.

Abstract: A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.

Abstract: A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to electronic commerce, and more particularly, to a system and method of validation and efficiency associated with electronic commerce.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A VIC assignment system may comprise various modules and engines as discussed herein wherein a VIC code may be determined and assigned to a merchant for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services, such as credit risk evaluation, fraud detection, bonusing, and dispute arbitration. For instance, a VIC code may be identified, whereby the VIC assignment system may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the transaction network more properly functions according to approved parameters.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A business size arbitration network host may comprise various modules and engines as discussed herein wherein the size of the business (e.g., aggregate value of sales) may be identified as being relatively large, whereby the transaction network may tailor the handling of a transaction of the business, such as by adjusting handling speed, fees, etc., whereby the transaction network may actively encourage use of transaction products and services by relatively large businesses, and/or such as by delivering value-added services, such as electronically provided advertisements and/or offers, and/or other credit and/or lending products, whereby the transaction network more properly functions according to approved parameters.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.

Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A transaction network host may comprise various modules and engines as discussed herein wherein the probability that a transaction is a business or personal transaction may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes. For instance, a probable personal transaction may be identified as being associated with a business-oriented transaction card, whereby the transaction network may tailor the handling of the transaction, such as by denying it, whereby the transaction network may actively deter misuse of transaction products whereby the transaction network more properly functions according to approved parameters.

Abstract: One-to-many comparisons of callers' words and/or voice prints with known words and/or voice prints to identify any substantial matches between them. When a customer communicates with a particular entity, such as a customer service center, the system makes a recording of the real-time call including both the customer's and agent's voices. The system segments the recording to extract different words, such as words of anger. The system may also segment at least a portion of the customer's voice to create a tone profile, and it formats the segmented words and tone profiles for network transmission to a server. The server compares the customer's words and/or tone profiles with multiple known words and/or tone profiles stored on a database to determine any substantial matches. The identification of any matches may be used for a variety of purposes, such as providing representative feedback or customer follow-up.