Abstract: The present disclosure relates to systems, methods, and devices for enabling peer to business payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send electronic payments as well as exchange messages with a merchant. The integrated payment and messaging system can improve security by allowing a user to make a purchase without having to provide sensitive financial information to the merchant. In addition, the integrated payment and messaging system can allow a user to make a payment for an order seamlessly during a conversation with the merchant.

Abstract: The present disclosure relates to systems, methods, and devices for network payment tokenization for processing payment transactions. In particular, the message system allows a consumer to initiate a payment transaction with a merchant. For example, one or more implementations involve identifying a payment authorization number associated with a user account and sending a request for a payment token to a card network system associated with the payment authorization number. One or more embodiments receive a network payment token representing the payment authorization number and a single-use cryptogram corresponding to the payment transaction. Additionally, one or more embodiments generate and send a payment transaction initiation message including the network payment token and single-use cryptogram to the merchant for processing the payment transaction.

Abstract: The present disclosure is directed toward systems, methods, and computer-readable media that automatically detect and correct advertising exploits for an advertising campaign. For instance, one or more of the systems disclosed herein employs various metrics to automatically determine when an advertising campaign exceeds an exploit threshold. In addition, upon determining that an advertising campaign is an exploit campaign, one or more of the disclosed systems automatically throttles the execution of an advertising campaign until the exploit is corrected. For example, the disclosed system can modify one or more of the campaign parameters of the exploit campaign to limit placement of at least one future advertisement from the advertising campaign.

Abstract: The present disclosure relates to systems, methods, and devices for enabling peer to business payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send electronic payments as well as exchange messages with a merchant. The integrated payment and messaging system can improve security by allowing a user to make a purchase without having to provide sensitive financial information to the merchant. In addition, the integrated payment and messaging system can allow a user to make a payment for an order seamlessly during a conversation with the merchant.

Abstract: The present disclosure relates to systems, methods, and devices for enabling peer to business payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send electronic payments as well as exchange messages with a merchant. The integrated payment and messaging system can improve security by allowing a user to make a purchase without having to provide sensitive financial information to the merchant. In addition, the integrated payment and messaging system can allow a user to make a payment for an order seamlessly during a conversation with the merchant.

Abstract: The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. For example, one or more implementations involve facilitating same day push-to-debit payment transactions between a user and a co-user. To illustrate, one or more implementations involve sending a push-to-debit request to credit funds for the payment amount of the payment transaction to a debit card of a co-user, the push-to-debit request being formatted for same day processing.

Abstract: The present disclosure relates to systems, methods, and devices for network payment tokenization for processing payment transactions. In particular, the message system allows a consumer to initiate a payment transaction with a merchant. For example, one or more implementations involve identifying a payment authorization number associated with a user account and sending a request for a payment token to a card network system associated with the payment authorization number. One or more embodiments receive a network payment token representing the payment authorization number and a single-use cryptogram corresponding to the payment transaction. Additionally, one or more embodiments generate and send a payment transaction initiation message including the network payment token and single-use cryptogram to the merchant for processing the payment transaction.

Abstract: The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. For example, one or more implementations involve facilitating same day push-to-debit payment transactions between a user and a co-user. To illustrate, one or more implementations involve sending a push-to-debit request to credit funds for the payment amount of the payment transaction to a debit card of a co-user, the push-to-debit request being formatted for same day processing.

Abstract: The present disclosure relates to systems, methods, and devices for enabling peer to business payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send electronic payments as well as exchange messages with a merchant. The integrated payment and messaging system can improve security by allowing a user to make a purchase without having to provide sensitive financial information to the merchant. In addition, the integrated payment and messaging system can allow a user to make a payment for an order seamlessly during a conversation with the merchant.

Abstract: The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. For example, one or more implementations involve facilitating same day push-to-debit payment transactions between a user and a co-user. To illustrate, one or more implementations involve sending a push-to-debit request to credit funds for the payment amount of the payment transaction to a debit card of a co-user, the push-to-debit request being formatted for same day processing.