Techniques are disclosed utilizing cognitive computing to assess customer value and provide specific promotional campaigns based upon this assessed value. Users may opt in to a rewards program. With user permission or affirmative consent, user behavioral data may be monitored that may be relevant to the user's relationship as a customer with a particular business and may include various indications of the users' behaviors, actions, and/or preferences. This data may be stored as part of each user's behavioral profile, the contents of which may be analyzed to determine which customers are more profitable to the business than others. Each user may be assigned a customer value indicative of his or her individual profitability, which may be used to provide specific promotional campaigns in an attempt to maintain the more profitable customers and to improve the profitability of others.

Techniques are disclosed utilizing cognitive computing to improve banking experiences. A user's financial account(s) and location may be monitored to predict when a user is near a retail store and the user has not used a particular account in a predetermined amount of time. The techniques disclosed include receiving a location for a user's mobile device, and determining when the mobile device is within a predetermined threshold distance of a retail store. The techniques include building a shopping profile for the user based upon shopping habits for the user. The shopping profile may be used to determine what commercial communications should be transmitted to the user to encourage them to utilize an inactive account to make a purchase at the retail store when the user is within the threshold distance of the retail store.

Apparatus and methods for creation of multiple configurable payment mechanisms within a single pre-funded electronic payment device are provided herein. An example payment device includes a body portion, a memory associated with the body portion and containing a first stored value application having a first application balance and a second stored value application having a second application balance, and a processor associated with the body portion and coupled to the memory. The processor can perform a load transaction in an amount equal to the first application balance, and restrict any payment transaction carried out via the first stored value application to a payment transaction wherein the recipient consists of user-selected entities. The processor can also perform a load transaction in an amount equal to the second application balance, and preclude performance of payment transactions prior to depletion of the first application balance.

A guaranteeing server and a guaranteeing method for transaction on blockchain are disclosed. The guaranteeing server is coupled to a blockchain network and comprises a memory unit and one or more processing units. The memory unit stores a plurality of instructions and the processing units execute the instructions to perform steps of: receiving a transaction data from a user, wherein the transaction data includes a wallet data including a wallet address data and a user's signature data; checking whether a cryptocurrency balance associated with the wallet address data on the blockchain network is sufficient to execute the transaction; when the cryptocurrency balance is sufficient to execute the transaction, transmitting the transaction data to the blockchain network for performing a blockchain operation; and transmitting a transaction guarantee information corresponding to the transaction data to an opposing party of the transaction.

Generally speaking, the invention provides for credit score maximization, by streamlining a user's credit and debit decisions in accordance with preselected parameters. A user can be a person or a business, and parameters can be manipulated by interface with a mobile or desktop application, online portal, or other such mechanism. When a transaction occurs at a merchant POS, the amount is processed by an algorithm that determines how that payment can be distributed between the user's available accounts to meet that user's desired account portfolio. Methods are provided for use of a temporary credit facility and a related payment device that will yield seamless integration, and in the spirit of credit rating exploitation, prevent overdraft or debt default fees, and negative credit marks with the major credit bureaus. The systems and methods described herein provide for a means of splitting a payment between two different accounts, or a plurality of accounts, to achieve a desired credit portfolio using only a single card, or other payment device such as a mobile phone app at a POS terminal, and split between them as per that user's credit scoring needs, or other credit related concern. The same can occur vice versa for a deposit transaction or other cash inflow, to distribute that deposit between a plurality of accounts, or mixture of both deposit, and credit accounts, with the respective portion of the deposit used to pay down credit card account balances.

The objective of the present invention is, with respect to a portable terminal which is provided with an electronic money function, to facilitate restoration of an original state if a terminal has been discovered, while preventing unauthorized usage of electronic money at a time of loss for a terminal which is provided with an electronic money function. If a terminal is lost, an electronic money server is accessed from a second terminal in order to perform a loss lock request. The electronic money server turns ON a loss lock flag corresponding to an electronic money ID in order to output a negative flag ON instruction for an electronic money function section at a point at which access has been made from the terminal. For the electronic money function section, by turning ON a negative flag, the electronic money function section is locked so that settlements and charges are disabled.

A computer-implemented method includes: determining assets held by a remitter, the assets to be spent in a remittance transaction between the remitter and one or more payees, in which each asset corresponds to a respective asset identifier, a respective asset amount, and a respective asset commitment value; determining a remitter pseudo public key and a remitter pseudo private key; determining a cover party pseudo public key, in which the cover party pseudo public key is obtained based on asset commitment values of assets held by the cover party; and generating a linkable ring signature for the remittance transaction.

A mobile wallet computing system associated with a mobile wallet database includes a mobile wallet circuit structured to present a mobile wallet interface to a mobile wallet user. The mobile wallet interface includes a first portion that includes a graphical depiction of a user payment vehicle associated with a financial institution, the first portion including a first interaction point that enables the user to initiate a sequence to engage in a mobile wallet transaction using the mobile wallet. The interface also includes a second portion that includes a second interaction point and a third interaction point, the second interaction point enabling the user to access a functionality enabling the user to indicate a transaction preference for a transaction with an entity other than the mobile wallet provider or financial institution, the third interaction point enabling the user to indicate a preference to initiate communications with the financial institution.

Described herein are chargeback settlement processing systems and methods. A chargeback settlement computing device is configured to store a dispute table including a dispute record associated with a first chargeback request associated with a first chargeback transaction. The dispute record includes an account identifier, a chargeback transaction amount, and a unique chargeback identifier. The computing device is also configured to receive (i) a clearing detail record including a unique chargeback reference number associated with clearing/settlement of the chargeback transaction and chargeback transaction data, and (ii) a chargeback response including the chargeback identifier, the chargeback reference number, and chargeback transaction data. The computing device is configured to determine whether the dispute record, the clearing detail record, and the chargeback response match, and generate an individual reconciliation record using data from the dispute record, the clearing detail record, and/or the chargeback response.

Systems and methods for push provisioning of a financial instrument to an electronic device from a browser are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for push provisioning of a financial instrument to an electronic device from a browser may include: (1) receiving, from a cardholder and at an issuer website accessed by the cardholder by a browser, a request to provision a financial instrument to an electronic wallet provided by an electronic wallet provider and executed by a mobile electronic device; (2) providing an interface to an electronic wallet provider website for the electronic wallet provider and associating the interface with a session id; (3) receiving an electronic device identifier for an electronic device and the session id from the electronic wallet provider; and (4) provisioning the financial instrument to the electronic wallet on the electronic device associated with the electronic device identifier.