Abstract: Disclosed embodiments describe a system for completing a transaction using an electronic transaction card by receiving, from a user device executing a software application, a selection of a first account function associated with a financial transaction; determining that the account function requires user verification; detecting, via a motion detection component, a motion pattern performed on the electronic transaction card by the user; authenticating an identity of the user, by the electronic transaction card, based on the detected motion pattern; and completing, by the user device, the financial transaction.

Abstract: Disclosed embodiments may include a method for using accounts with multiple profiles where the system allows a primary user to create one or more secondary user profiles. Each secondary user profile is associated with its own VCN and one or more attributes. The one or more attributes can be used to limit the spending ability of each secondary user individually with hard and soft spending limits including merchant category, overall spending, and geographic limits. Purchases by a secondary user that violate the soft limits may be allowed by the primary user using an application associated with the primary account number. Attributes can be assembled by the primary user to create specific and creative spending limits. The system associates each transaction with the user profile using the specific VCN and generates a GUI for the primary user showing the second user profile, its current balance, and transaction history.

Abstract: Methods, systems, and computer program products for implementing currency conversion and foreign exchange processes for an exchange payment platform system. An offer look-up request for an offer associated with a booking event is received. The offer look-up request including a first currency, a second currency, and a transaction context information. A foreign exchange rate request including the offer look-up request is provided to a foreign exchange server. A converted offer associated with a proposed foreign exchange rate is received from the foreign exchange server. A payment webpage including the converted offer is provided to the merchant. The converted offer is presented in a standard format based on formatting rules associated with the merchant.

Abstract: Transaction account holders are able to attach additional data to a transaction in concert with the transaction being initiated, prior to the merchant posting the transaction. Transaction account holders do not have to wait and/or opt for an external service provider to assist with the compiling and/or attaching of data at a later point in time (e.g., after the merchant posts the transaction). Transaction account holders may upload and access electronic receipts associated with a transaction authorization almost immediately after the sale and/or authorization of the transaction.

Abstract: The invention provides an entrusted-authorization system and an entrusted-authorization method. The entrusted-authorization system comprises an accounting system, a switch module and an entrusted-authorization module, wherein the entrusted-authorization module stores entrusted-authorization parameters determined by the accounting system, the switch module is connected with the accounting system and the entrusted-authorization module for transmitting transaction request messages from the client terminal to the entrusted-authorization module for processing in case that the accounting system is unavailable, wherein the entrusted-authorization module verifies the transaction request messages according to the entrusted-authorization parameters; otherwise, the messages are sent to the accounting system for processing. The transaction request messages comprise financial account information, financial institution information, transaction-initiation institution information and transaction amount.

Abstract: Aspects of the subject disclosure may include, for example, a device that receives data from a machine-type communication (MTC) device located at a premises, determines an identifier for the MTC device; compares the identifier with a list of identifiers; and, responsive to determining that the MTC device is a listed device, transmits the data to a first network element remote from the premises. The device and the first network element do not receive data from devices at the premises generating human traffic communications (HTC). The first network element transmits the data to a second network element for aggregation and subsequent transmission to a cloud data facility comprising cloud storage. A data path from the device to the first network element, from the first network element to the second network element, and from the second network element to the cloud data facility forms a secure data path. Other embodiments are disclosed.

Abstract: Systems, methods, and computer-readable storage media for creating an open loop prepaid gift account. The system identifies a request to purchase an open loop prepaid gift account which can be used to make a purchase at a merchant, presents a menu from which a customer can select the merchant, and receives a selection. Based on the selection, the system presents an option to load funds onto the open loop prepaid gift account and, upon receipt of payment, creates the open loop prepaid gift account and loads the open loop prepaid gift account with money, wherein information associated with the open loop prepaid gift account is encoded onto a physical card, and wherein merchant information is printed on the physical card according to an authorization from the merchant, the merchant information including at least one of a legal name, a trade name, a logotype, and a marketing tagline of the merchant.

Abstract: In one embodiment, a device may transmit, via a network to an application, a series of sensor measurements captured by the device, each sensor measurement having an associated timestamp based on a clock of the device. The device may receive, from the application, an indication that at least a portion of the series of sensor measurement were not received by the application. The device may determine, for those sensor measurements not received by the application, timestamp differences between their timestamps and a current time of the clock of the apparatus, after receiving the indication. The device may resend the portion of the series of sensor measurements to the application and their timestamp differences.

Abstract: A non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.

Abstract: A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.

Abstract: Embodiments of the present disclosure provide a device, system, methods and components related to a modular card. Example components of the modular card include a thin rectangular rear plate, a thin rectangular front plate overlying the rear plate, a first plurality of fasteners fixed to the thin rectangular front plate, a second plurality of fasteners fixed to the thin rectangular rear plate, the second plurality of fasteners being configured to be removably engaged with the first plurality of fasteners; a magnetic strip, and/or an integrated circuit. In operation a user may remove and/or replace various components to customize the modular card. Some customizations include altering the accounts to which the modular card relates. In some example, the modular card may include components which relate to different accounts.

Abstract: An electronic book distribution system includes electronic devices that reset their passcodes after specified authentication failures. The passcodes of an individual electronic device is reset to a value that is generated using a predefined function of a randomly generated support code. The support code is displayed to the user, and the user is instructed to contact a support service in order to obtain the new passcode. The support service independently authenticates the user, calculates the new device passcode using the same predefined function used by the electronic device, and provides the new passcode to the user.

Abstract: The present invention is configured to track a resource input distribution to a first user account; receive a third party distribution request from the first user account, the third party distribution request comprising at least a portion of the resource input distribution; and authenticate a third party associated with the third party distribution request, the authentication of the third party comprising a comparison of the third party against a trusted third party distribution set, wherein, in an instance where the third party matches at least one trusted third party of the trusted third party distribution set, allow a third party distribution associated with the third party distribution request.

Abstract: Systems and methods for processing payment transactions using combination payment cards. The combination payment card is associated with an open-loop account and one or more closed-loop accounts. Transaction information is received from a point-of-sale device. At least one of the closed-loop and open-loop account is debited.

Abstract: A system can include a first financial account data system that may include first account data. The first financial account data system can perform a function according to a first process using the first account data. The system can include a second financial account data system that can include second account data that is unintegrated with the first account data. The second financial account data system can perform a function according to a second process, which can be different than the first process, using the second account data. The system can include a server with an application programming interface. The server can determine a data system among the first and second financial account data systems with which to execute a requested function received via a common user interface. The server can execute the requested function. The server can provide a result of the execution via the common user interface.

Abstract: Electronic content, including that obtained via software applications executing on client devices, pertaining to golfers' handicap indices and scoring is automatically obtained by golf clubs and other courses. Such player data can be electronically monitored and analyzed in real-time in accordance with expected score qualities and guidelines in the sport. In particular, one or more algorithms may be routinely executed to look for various data point indicators which may mean a player is manipulating his or her handicap index. The systems and methods can objectively generate an overall score for every participating player, based at least in part on deduction of points for data determined abnormal based on expected qualities. Should a player's overall score reach a predetermined flagging level, the systems and methods automatically adjust the player's handicap to promote fair play. Machine learning schema can assist in tasks such as scoring analyses and automated handicap adjustments.

Abstract: Methods and systems for provisioning a secure element of a digital device with financial credentials of a consumer are disclosed. In an embodiment, an external entity computer receives from one of a merchant computer or a manufacturer computer, a consumer order for a digital device that includes a secure element (SE). The external entity computer then obtains, based on the digital device information setup data of a digital device which fulfills the order, and transmits a financial account provisioning request including the setup data and the consumer account information to a token service provider (TSP) computer. The process also includes the external entity computer receiving provisioning data including a personalization script which includes financial account token credentials of the consumer from the TSP computer, and then personalizes the ordered digital device with the financial account token credentials.

Abstract: In general, intelligent fuel dispensers are provided. In at least some implementations, an intelligent fuel dispenser can determine customer identities and/or other characteristics and provide customized fueling sessions based on the determined customer identities and/or other characteristics. In at least some implementations, the fuel dispenser includes a touchless interface allowing customers to complete fueling sessions with minimal physical contact with the fuel dispenser.

Abstract: Example embodiments relate to performing activation techniques for contactless cards. For example, embodiments may include performing a near-field communication (NFC) exchange with a contactless card, processing a message comprising data to activate the contactless card, communicating the data to a server to activate the contactless card; and receiving a response from the server, the response to indicate whether the contactless card is successfully activated or not successfully activated.

Abstract: Automated testing and validation of integrated circuit cards for point of sale transactions is provided. A microcontroller can receive, via an automation script executed by a point of sale device, an instruction to select a slot in a card stack. The microcontroller can activate, responsive to the instruction, the slot to establish an electrical connection between an integrated circuit card in the slot and a proxy card in a terminal device. The microcontroller can receive, subsequent to initiation of a synthetic transaction, an indication that the synthetic transaction is complete. The microcontroller can deactivate, subsequent to receipt of the indication that the synthetic transaction is complete, the slot to terminate the electrical connection between the integrated circuit card in the slot and the proxy card to cause the terminal device to detect a card removal event without physical removal of the proxy card.

Abstract: A method of performing a funds transfer includes receiving a request for a cryptogram and generating an authentication code. The authentication code is divided into a first code portion and a second code portion. The first code portion is transmitted to a user device. The second code portion is transmitted to a transaction originator. A request for transaction data is received, including both code portions. The authentication code is verified based on the two code portions. A cryptogram is generated and transmitted to the transaction originator.

Abstract: A payment service system receives a transaction instrument identifier of a transaction instrument, and associates the transaction instrument with an account associated with a first user. The system identifies rules that identify whether to request authorization from a second user to process respective transactions that involve the transaction instrument and that are associated with one of a set of transaction types. The system receives a transaction indication indicating a request to use the transaction instrument for a transaction. The system determines, based on information about the transaction and the one or more rules, that the transaction is categorized into a first transaction type. The rules indicate that the authorization from the second user is to be requested for the first transaction type. The system receives an authorization to process the transaction from a user device associated with the second user, and automatically facilitates processing of the transaction.

Abstract: A gate apparatus includes an acquisition unit, a matching request unit, and a control unit. The acquisition unit acquires biological information about an examination target user. The matching request unit requests a server apparatus that stores biological information about users and MRZ (Machine Readable Zone) information written in machine readable zones in passports issued to the users in association with each other to perform matching on the biological information about the examination target user. The control unit controls a gate so that the examination target user can pass through the gate if information is successfully read out from an IC (Integrated Circuit) chip in a passport issued to the examination target user by using MRZ information determined by the matching.

Abstract: An intelligent alert system triggers potential cases based on a set of scenarios and sends the potential cases to investigators. After the investigation, the intelligent alert system records in a database the investigation results for each potential case, the associated set of scenarios that triggered the potential case, and the date and the time of such investigation. As a result, the intelligent alert system can gradually learn from the investigators and will automatically make decisions for some future potential cases with little human involvement.

Abstract: A transaction card may monitor an amount of electric current induced in a first near-field communication (NFC) component of a transaction card. Electric current may be induced in the first NFC component when the first NFC component is within an electromagnetic field generated by a second NFC component of a transaction terminal. The transaction card may dynamically activate one or more output components associated with the transaction card based on the amount of electric current induced in the first NFC component. The one or more output components may indicate whether the transaction card can communicate with the transaction terminal. The transaction card may perform an action related to completing a transaction after determining that the amount of electric current induced in the NFC component satisfies a first threshold. The first threshold may indicate that the transaction card can communicate with the transaction terminal.

Abstract: Systems, methods, and computer-readable media are provided for processing and settling financial transactions. An example method comprises receiving a transaction from an originator. The transaction comprises information associated with an identification of an initiating user or the account. The method comprises determining the actual account number, transmitting a financial services transaction request comprising the actual account number to a financial institution, receiving a response, and transmitting a response back to the originator. Another method comprises receiving, from a user device, a request to associate a financial account with a user account. The method comprises generating and sending an association message to a payment network and receiving a key associated with the financial account for use in initiating financial transactions. Another method comprises utilizing such a key to generate and process a transaction request. Other systems, methods, and media are also provided.

Abstract: The present invention discloses a disruptive low capital and operational cost logistics system and method that provides for fast and massive delivery of e-commerce merchandise, including same day delivery, of thousands of items and packages, in extensive geographical areas, such as whole states, countries and continents, reducing the need for building, operating, or using multiple fulfillment warehouses located near the consumers as in traditional e-commerce logistics, creating a revolution in the e-commerce industry worldwide. In a disruptive manner, the systems and methods of the present invention facilitate the logistics for e-commerce delivery processes, and also may allow at the same time reducing the use of massive quantities of cardboard packages that are used for protection and containment for e-commerce orders, being sustainably beneficial for the e-commerce market, the environment, and the consumer.

Abstract: Collection, validation, accuracy checking, and matching of information for individuals, e.g., in-scope people entering/exiting a country is described. The systems, techniques, devices, methods, and approaches described herein can be used to collect biographic, biometric, and travel information for persons who enter a country with the expectation that the person will eventually exit. The system and method described herein include structures and procedures for determining whether the individual, based on his/her information, meets a predefined criterion that is associated with predefined procedures, e.g., special precautions are to be implemented. This document also describes how information for an individual can be matched with an existing record in order to ensure accurate recordkeeping.

Abstract: A method (600) for handling a digital payment between a payer (P1) and a payee (P2) is presented. The payer and payee communication devices (PD1, PD2) uses (610) short-range data communication (SRDC) when the devices are in proximity of each other to agree upon a digital payment (DP) without requiring long-range data communication with a remote digital payment settlement service (DPSS) at that stage. Independently of the other device, the payer communication device (PD1) or the payee communication device (PD2) subsequently communicates (630) buffered digital payment information (DPI) to the remote digital payment settlement service (DPSS) by long-range data communication (LRDC1, 15 LRDC2). The remote digital payment settlement service (DPSS) causes settlement (640) of the digital payment (DP) as indicated by the digital payment information (DPI) received by long-range data communication (LRDC1, LRDC2) from one of the payer communication device and the payee communication device (PD1, PD2).

Abstract: The present invention discloses a disruptive low capital and operational cost logistics system and method that provides for fast and massive delivery of e-commerce merchandise, including same day delivery, of thousands of items and packages, in extensive geographical areas, such as whole states, countries and continents, reducing the need for building, operating, or using multiple fulfillment warehouses located near the consumers as in traditional e-commerce logistics, creating a revolution in the e-commerce industry worldwide. In a disruptive manner, the systems and methods of the present invention facilitate the logistics for e-commerce delivery processes, and also may allow at the same time reducing the use of massive quantities of cardboard packages that are used for protection and containment for e-commerce orders, being sustainably beneficial for the e-commerce market, the environment, and the consumer.

Abstract: A payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.

Abstract: A card with an embedded location tracker that can assist with locating a misplaced, lost, or stolen card is described. The location tracking device is embedded into the material forming the card. Other devices can form a crowdsourced network covering a wide geographic area that may be used to detect signals from the location tracking device of the card using a short-range wireless communication technology. When the card becomes misplaced, lost, or stolen, the card holder or the card issuer may use the embedded location tracking device to determine the current location of the card. In one embodiment, a tamper mechanism may also be provided to disable a chip of the card in response to an attempt to deactivate, destroy, or remove the embedded location tracking device from the card.

Abstract: This disclosure generally relates to a method for authenticating a user in a digital or physical environment. The method includes receiving an identity verification request based on input provided by a user to be verified, receiving a facial and audio recognition sample from the user, transmitting the facial and audio recognition sample to one or more third party entities with a request to verify that the facial and audio recognition sample represents the user, receiving an indication from at least one of the third party entities that the user is verified, and verifying that the user who provided the facial and audio recognition sample is the person the user purports to be.

Abstract: Methods, systems, apparatus, and non-transitory computer readable media are described for using a vehicle as a payment device. Various aspects may include receiving a selection of a stored financial card or financial account at a vehicle head unit. The selected financial card or financial account may be transmitted to a point-of-sale (POS) terminal for making a payment by transmitting a tokenized card number to the POS terminal. The tokenized card number may be transmitted over a very short-range communication link to ensure that the transmission is secure. For example, electronic circuitry may be attached to the exterior of the vehicle, where the electronic circuitry may be within a threshold distance (e.g. one inch, three inches, six inches, one foot, three feet, etc.) of the POS terminal. The tokenized card number may be transmitted from the vehicle head unit to the electronic circuitry and then to the POS terminal.

Abstract: The present methods and systems relate to using and accessing data stored in a blockchain, and in particular, interacting with the blockchain and users to provide bank card activation services using smart contracts. The methods and systems include (1) receiving a credit card application package associated with a credit card, wherein the credit card application package includes credit card information and a set of user information, (2) verifying the credit card information and the set of user information, (3) checking the credit card information and the set of user information against the smart contract stored on the blockchain, wherein the smart contract includes a set of conditions, and (4) activating the credit card when the credit card information and the set of user information satisfy the set of conditions stored in the smart contract.

Abstract: Methods for smartglasses-to-smartglasses payment systems is provided. Methods include receiving a transfer of funds initiation at a first smartglasses. The transfer of funds initiation may include an identifier, an amount and a personal identification number. Methods include transmitting the transfer of funds initiation from the first smartglasses to a second smartglasses. Methods may include receiving a notification on the second smartglasses. The notification may include a first smartglasses telephone number and the transfer of funds initiation. Methods may include transmitting a transfer of funds request from the second smartglasses to an entity. The transfer of funds request may include the first smartglasses telephone number, the transfer of funds initiation and the second smartglasses telephone number. Methods may include retrieving a first account and a second account from the entity. Methods may include transferring funds from the first account to the second account.

Abstract: A computer system performs techniques related to enrolling and using a secure credential. In some embodiments, a computer system provides user interfaces for enrolling a secure credential on the computer system. In some embodiments, a computer system provides user interfaces for inviting a user account to use a secure credential.

Abstract: Implementing augmented reality to display recovery and/or security options on a private data-less card device (i.e., card device that does not include private data visible on a card facing) that has been misplaced. A card device includes a wireless communication mechanism that is configured to communicate card device and/or user-identifying data to a mobile communication device in possession of a user that includes an application configured to verify that the user is not a rightful possessor/owner of the card device based on the card device and/or user-identifying data. In response, the application launches the image capturing device on the mobile communication device and an image is captured of either the front facing or the back facing of the card device. Consequently, the application presents an augmented reality display that includes activatable links superimposed in augmented reality form on the captured image of either the front facing or the back facing of the card device.

Abstract: An information reading system includes an information reading device and a device-to-be-identified. The information reading device includes a first signal pin, a second signal pin, and a control module, and the device-to-be-identified includes a third signal pin and a ground pin. The control module is configured to, when recognizing that the device-to-be-identified is inserted, control the first signal pin to connect to the third signal pin of the device-to-be-identified, and control the second signal pin to connect to the ground pin, to form a first single-wire path, and attempt to read anti-counterfeiting information stored in the device-to-be-identified by using the first single-wire path.

Abstract: A method for synchronizing Customer Relationship Management data between a Software as a Service (“SaaS”) CRM provider and a mobile device. This method enables both read and write access from the mobile device whether a network connection to the SaaS provider is available or not. The method involves creating a local mobile device database to track portions or all of the SaaS provider database. In the case where a network separation occurs and the device and SaaS databases diverge, the synchronization method may be used to make the mobile device database and the SaaS database consistent and coherent again. In one embodiment, multiple local database tables are used to represent a single SaaS CRM table to facilitate synchronization, and a status indicator is used to visually and quickly convey status to the mobile user.

Abstract: A transaction system and process includes providing financial transactions based on a single card. The transaction system and process further including providing prepaid wireless service based on the single card and providing long-distance service based on the single card.

Abstract: A method for payment authorization includes receiving, by a payer device registered with payer identification, merchant identification and transaction information transmitted to the payer device from a merchant device registered with the merchant identification. The method further includes deriving a transaction request using a payer token, the merchant identification and transaction information, and sending the transaction request to an authorization server, using the payer device; validating the transaction request and forwarding the transaction request to an acquirer system, using the authorization server; receiving authorization and approval codes from the acquirer system for a transaction referenced by the transaction information, using the authorization server and transmitting the approval codes to the merchant and payer devices based upon the authorization, using the authorization server.

Abstract: An information processing apparatus includes a first communications connector configured to implement first data communications connection between a first transmission terminal specified by first identification information and a second transmission terminal specified by second identification information when authentication of the first transmission terminal is established, an identification information acquisition part configured to acquire third identification information and fourth identification information by referring to correspondence information registering the third identification information in association with the first identification information, and the fourth identification information in association with the second identification information when acquiring a second data communications connecting request including the first identification information and the second identification information from the first transmission terminal, and a connection request part configured to transmit the second data

Abstract: A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.

Abstract: Systems, computer program products, and methods are described herein for multifactor authentication system that determines co-connected device presence for added security. The system utilizes a device fingerprint for each device. The device fingerprint may contain a library of interconnected devices, as well as ambient noise from the device. The device fingerprint will be used to determine confidence levels indicating whether the devices are in the same location and thus in operation by the same user during multifactor authentication.

Abstract: A communication system, apparatus, and method are provided including a portable public safety (PS) radio that scans a portable non public safety (non-PS) communication device having electronic press credentials stored therein. A server temporarily registers the portable non-PS communication device and electronic press credentials. The server monitors movement of the temporarily registered device for boundary violations within a public safety incident scene, and communicates a warning to the temporarily registered device in response to boundary violations. Electronic press scores are saved and used as a basis to determine access to future registration requests at future incident scenes.

Abstract: In an example embodiment, a system is described for customizing user accounts based on user actions, which may include receiving, via a user device, a first user input requesting to create an account for a user. The system may further receive, via the user device, a second user input selecting an account type for the account from a plurality of account types. In response to these user inputs, the system may retrieve, from a server, one or more account requirements for the account type, determine that the user meets the one or more account requirements and create an account in response to determining that the user meets the one or more account requirements.

Abstract: Systems and methods are disclosed for associating a player identifier with a stored value account. The stored value account can holds funds that are accessible through the player's use of a stored value payment vehicle. The stored value payment vehicle can be a reloadable stored value payment vehicle or a non-reloadable stored value payment vehicle. Information associated with transactions using the stored value payment vehicle can be used for player relationship purposes.

Abstract: A virtual reality vehicle and/or equipment training system and platform within contextually relevant simulated environments. The system and platform simulates accurate vehicle and/or equipment dynamics of various vehicles through vehicle modules. The simulated vehicles and/or equipment are placed within contextually relevant simulated physical environments, and communicate with other vehicle modules and users of the platform. The system and platform allows for multiple simulated vehicles and/or equipment to exist and interact in the same simulated physical environment. The system allows for rapid development of trainers for different vehicles, different equipment, different physical environments, and different scenarios. The characteristics of the system which most directly enable this rapid development are the use of commodity computer hardware, use of common interface-deployment toolkits, and use of a data-driven architecture where participating modules are generic until being configured at runtime.

Abstract: Embodiments provide methods and systems for merchant data cleansing in payment network. Method performed by server system includes accessing electronic payment transaction records from transaction database. Each electronic payment transaction record includes merchant data fields. Method includes determining set of electronic payment transaction records with ambiguous merchant data fields having matching probability scores less than predetermined threshold value computed by probabilistic matching model and identifying at least one issue for non-matching of each of set of electronic payment transaction records. Method includes determining data model based on at least one issue of each of set of electronic payment transaction records. Data model is one of: phone-to-city model, payment aggregator model, and merchant name normalization model.