A refund processing system and method for automatically processing refunds to a mobile payment account of a customer is provided. The method includes the steps of receiving sales transaction information from a transaction records database, in response to a request from a point of sale device when a refund for an item is initiated, transmitting the sales transaction information to calculate an amount of funds to be refunded to a payment instrument, detecting that the payment instrument is not valid while attempting to apply the refund, and determining whether an electronic gift card is currently associated with the mobile payment account of the customer, and if so, applying the refund to the electronic gift card, and if not, creating a new electronic gift card and applying the amount of funds to the new electronic gift card.

An example method includes receiving, by a computing system, from an aggregator computing system, an access request of an account at a financial institution, the access request including a user identifier associated with a user of the account and encrypted authentication information; decrypting, by the computing system, the encrypted authentication information; matching, by the computing system, the decrypted authentication information against stored authentication information associated with the user identifier of the user; and providing, by the computing system, an authentication decision to the aggregator computing system, the authentication decision enabling the aggregator computing system to access and display information of the account to the user.

Systems and methods for artificial intelligence transaction priority control are presented. Transaction priority control may be provided in the context of online user accounts maintained by financial institutions. Transaction priority control may be obtained through querying transaction information from a database, applying a predictive model to determine a likely future transaction, assigning a priority score to the future transaction, and approving or denying the future transaction based on the priority score.

A computer-implemented method for cloud-based testing of a payment network may include receiving a test configuration for testing a payment processing network, configuring a simulated worker generator for generating a plurality of simulated workers according to the received test configuration, reading commands to be executed by each simulated worker among the plurality of simulated workers from a command bank according to the received test configuration, configuring the plurality of simulated workers according to the commands and the received test configuration, starting a swarm test of the payment processing network by the plurality of simulated workers, reading results of the swarm test from the plurality of simulated workers, and saving the results to storage.

A security platform architecture is described herein. The security platform architecture includes multiple layers and utilizes a combination of encryption and other security features to generate a secure environment.

Systems, methods, and computer program products are provided for predicting a specified geographic area of a user. An example system includes a processor configured to determine a verified geographic area associated with each user, and determine a feature vector associated with an account of each user. The processor is also configured to receive transaction data and determine a value of each parameter of the feature vector for each user based on the transaction data to produce a training matrix. The processor is further configured to train and validate a geographic area prediction model based on the training matrix. The processor is further configured to repeatedly generate a prediction that a user will conduct a transaction in a geographic area, communicate an offer to the user based on the prediction, receive new training data, and update the geographic area prediction model based on the new training data.

A method for detecting fraudulent logins at a payment system is discussed. The method includes receiving a suspect login request for logging into an existing user account at the payment system. The method includes providing access to a duplicate user account responsive to receiving the suspect login request, the duplicate user account being a copy of a portion of the existing user account. The method includes initiating a fraud determination of whether the suspect login request is fraudulent. The method includes receiving a request for transferring a first amount of funds from the existing user account to another account. The method includes providing an indication that the first amount of funds is being transferred to the another account. The method also includes delaying a transfer of the first amount of funds to the another account until receiving results of the fraud determination.

System, method, and computer program product to implement four factor authentication rule-based intelligent bank cards, by receiving valid authentication information for a card associated with an account, verifying that a captured image of a person presenting the card matches an image of an authorized user of the account, analyzing the captured image to detect an emotion of the person, and performing a predefined operation to control access to the account upon determining that the detected emotion satisfies an emotion rule associated with the account.

The invention provides an improved method and system of mobile credit payment at point of sale. The invention eliminates integration and EMV certification, and provides for automatic updating of each subscriber merchant at point of sale. The invention teaches use of an inventive GoChip application on a mobile device that interacts with point of sale application on said device, and with pre-certified payment channel, such as, for example, WorldNet. The combination of the GoChip app and WorldNet provides a robust mobile payment method and system that can be rolled out in very short time, with no integration coding, no certification, and automatic updating replacing manual updating.

According to one embodiment, the present invention relates to a method and a system for substantiating claims prior to payment from consumer-directed accounts. A computer implemented method for providing consumer-directed account management comprising the steps of receiving a request for payment for a transaction wherein the request comprises claim data identifying the transaction and a payment amount; adjudicating the request to determine claim eligibility; requesting a validation of available funds in a consumer-directed account associated with a participant for the payment amount, wherein a party contributes a predetermined amount of funds to the consumer-directed account; receiving a confirmation indicating whether the consumer-directed account contains sufficient funds to cover the payment amount; and transmitting a validation message indicating payment validation and claim eligibility.