Patent application number | Description | Published |
20140379508 | MERCHANT BUSINESS HOURS DATABASE VIA TRANSACTION DATA APPARATUS AND METHOD - A system, method, and computer-readable storage medium configured to determine merchant business hours using financial transactions. | 12-25-2014 |
20150046302 | TRANSACTION LEVEL MODELING METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable transaction level modeling of payment card use. | 02-12-2015 |
20150106301 | PREDICTIVE MODELING IN IN-MEMORY MODELING ENVIRONMENT METHOD AND APPARATUS - A system, method, and computer readable storage medium configured to model large amounts of data in an in-memory modeling environment. | 04-16-2015 |
20150120384 | SYSTEMS AND METHODS FOR CREDIT CARD DEMAND FORECASTING USING REGIONAL PURCHASE BEHAVIOR - A computer-implemented method and system for forecasting a demand for a credit-based payment card implemented using a demand forecasting computer device coupled to a memory device. The method includes retrieving financial transaction data for a plurality of payment card cardholders acquired by the demand forecasting computer device and stored in the memory device, determining variables in the financial transaction data that predict the demand for a credit-based payment card using an independent variables generation engine, integrating the retrieved financial transaction data, economic data received from sources external to the demand forecasting computer device, and data relating to new payment card cardholders based on the determined variables, generating a prediction of the demand for credit in a selectable geographic area using a cross-sectional model of the integrated data and the determined variables, and outputting the prediction. | 04-30-2015 |
20150161705 | MERCHANT RECOMMENDATION ENGINE METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable vendor recommendations using payment card transaction information. | 06-11-2015 |
20160071200 | METHOD AND SYSTEM FOR CONSUMER BUDGETING BASED ON HISTORICAL PURCHASE DATA - A method for calculating an assisted categorized budget includes: storing a plurality of account profiles, each profile including data related to a payment account including an account identifier, a transaction history for the account, and consumer data for a consumer associated with the account; receiving a budget request, the request including a specific account identifier; identifying a specific account profile including the specific account identifier; identifying one or more related account profiles based on related consumer data and/or transaction history; and generating a budget for the payment account related to the specific account profile, the budget being based on at least (i) the consumer data included in the specific account profile, (ii) the transaction history included in the specific account profile, and (iii) at least one of (a) the consumer data and (b) transaction history included in the identified one or more related account profiles. | 03-10-2016 |
20160071201 | METHOD AND SYSTEM FOR IMPLEMENTING SELF-IMPOSED SPENDING LIMIT - A method for imposing spending limits includes: storing data related to a payment account; receiving a spending limit request from a consumer associated with the account, the request including a spending target and spending category; generating a budget including a starting spending limit and two or more periods of time; applying, to the account, a spending limit, such that a value of transactions funded by the account during a first period of time and related to the spending category cannot exceed the applied spending limit, wherein the applied spending limit is the starting spending limit; decreasing the applied spending limit after the first period of time, such that transactions funded by the account during a second period of time cannot exceed the decreased applied spending limit; and repeating the decreasing step until the applied spending limit is equal to the spending target. | 03-10-2016 |
20160125400 | SYSTEMS AND METHODS FOR GEO COMPONENT FRAUD DETECTION FOR CARD-PRESENT TRANSACTIONS - A method and system for evaluating a card-present payment card transaction for fraud using a computer device coupled to a database are provided. The method includes determining a home activity region for a cardholder using payment card transaction data for the cardholder, receiving a payment card transaction authorization request, and determining a payment card activity location of the received payment card transaction authorization request. The method also includes comparing the determined payment card activity location to the determined home activity region, determining if the determined payment card activity location is within the determined home activity region using a at least one of a selectable threshold and a determined threshold, and outputting a score for the received payment card transaction authorization request based on the determination of whether the payment card activity location is within the determined home activity region. | 05-05-2016 |