| Mastercard International Incorporated Patent applications |
| Patent application number | Title | Published |
|---|
| 20160134720 | USING DATA FROM SOCIAL NETWORKS TO BUILD ACCOUNT HOLDER PROFILES - The present disclosure relates to a computer implemented method of building a profile for an account holder | 05-12-2016 |
| 20160132879 | SYSTEM AND METHOD FOR ENFORCING DIFFERENTIAL PRICING - Systems and methods are provided for enforcing differential pricing and other pricing structures using a payment network. One embodiment of the payment network includes a server, a processor, and a memory module that includes stored computer program code. The memory module, the stored computer program code, and the processor are configured to cause the server to parse a request message associated with a payment transaction to obtain an item identifier and payment mechanism information. The item identifier is associated with an item to be purchased as part of the payment transaction. The payment mechanism information is associated with a payment mechanism. The memory module, the stored computer program code, and the processor are further configured to cause the server to obtain a determination of whether, based on the payment mechanism information, the payment mechanism complies with a set of pricing control rules associated with the item. Additionally, the memory module, the stored computer program code, and the processor are further configured to cause the server to transmit a response message approving the payment transaction request, upon a determination that the payment mechanism complies with the set of pricing control rules, and to transmit a response message declining the payment transaction request, upon a determination that the payment mechanism does not comply with the set of differential rules. | 05-12-2016 |
| 20160125529 | SYSTEM AND METHOD FOR REAL-TIME CHARGEOFF MONITORING - A payment network for real-time chargeoff monitoring includes a server and at least one memory module storing computer program code. The at least one memory module and the stored computer program code are configured to, with at least one processor, cause the server to receive a set of credit bureau files and a set of transaction processor files. Further the memory module, computer program code, and the processor are configured to cause the server to process the credit bureau files, the transaction files, and payment card information associated with a set of payment cards, through a chargeoff model to determine a set of chargeoff scores. Each of the chargeoff scores is associated with one of the payment cards. The memory module, computer program code, and the processor are also configured to cause the server to receive a credit-limit-increase request message. The credit-limit-increase request message includes a credit-limit increase request for a subject card selected from the set of payment cards. The server receives the credit-limit-increase request message from a subject issuer that issued the subject card. | 05-05-2016 |
| 20160125433 | METHOD AND SYSTEM FOR DATA FORECASTING USING TIME SERIES VARIABLES - A method for identifying relationships between time series variables includes: storing a plurality of transaction data entries, each including a transaction time and transaction data; receiving a data request including a time period, time interval, a requestor time series variable, and a data value for each interval during the period; calculating for each of a plurality of processor time series variables, a data value for each interval during the period, the data values based on the transaction data and transaction times included in the transaction data entries; identifying a related processor time series variable based on a correspondence between the data value for each interval during the period for the variable and the data value for each interval during the period for the requestor time series variable; and transmitting the identified at least one related processor time series variable and the respective data values for each interval during the period. | 05-05-2016 |
| 20160125427 | METHOD AND SYSTEM FOR LINKING PERSONAL NEEDS AND SPEND BEHAVIOR - A method for identifying relationships between consumer and merchant service characteristics includes: storing consumer profiles that include consumer characteristics associated with a consumer and transaction data for transactions involving the associated consumer and a specified merchant; storing merchant profiles that include service characteristics associated with a merchant; identifying a group for each consumer characteristic that includes consumer profiles having that consumer characteristic; identifying a group for each service characteristic that includes merchant profiles having that service characteristic; and identifying characteristic relationships that include a consumer characteristic and service characteristic based on transaction data included in consumer profiles in the consumer group of the consumer characteristic that involve merchants associated with merchant profiles in the merchant group of the service characteristic. | 05-05-2016 |
| 20160117705 | METHOD AND SYSTEM FOR IDENTIFYING FUTURE MOVEMENT BASED ON PAST TRANSACTIONS - A method for generating consumer travel paths based on transaction history includes: storing transaction data for a plurality of payment transactions, the data including a geographic location, transaction time and/or date, and consumer identifier; receiving a specific geographic area for which movement is requested; identifying a payment transaction set that includes transaction data for a set of payment transactions that include a common consumer identifier, a geographic location corresponding to the received specific geographic area, and a transaction time and/or date included within a predetermined period of time; generating a travel path based on at least the geographic location and transaction time and/or date included in the transaction data for each payment transaction included in the payment transaction set; and predicting a future travel path based on at least the generated travel path. | 04-28-2016 |
| 20160110726 | METHOD AND SYSTEM FOR LINKING HANDWRITING TO TRANSACTION DATA - A method for identifying purchase behavior using handwriting characteristics includes: storing, in a handwriting database, a plurality of handwriting profiles, wherein each handwriting profile includes at least a handwriting characteristic and one or more associated purchase behaviors; receiving, by a receiving device, a handwriting sample; analyzing, by a processing device, the received handwriting sample to identify one or more handwriting characteristics; identifying, in the handwriting database, a specific handwriting profile for each of the identified one or more handwriting characteristics, wherein the specific handwriting profile includes the respective handwriting characteristic; and transmitting, by a transmitting device, the one or more associated purchase behaviors included in each of the identified specific handwriting profiles. | 04-21-2016 |
| 20160110712 | METHOD AND SYSTEM FOR IDENTIFYING MERCHANT DESCRIPTORS FOR DECLINED TRANSACTIONS - A method for identifying merchant descriptors for a declined transaction includes: storing a plurality of authorization requests, each request corresponding to an approved transaction and including one or more merchant descriptors and transaction data; storing a plurality of clearing records, each record corresponding to a cleared payment transaction and including two or more merchant descriptors and transaction data; receiving a declined authorization request corresponding to a declined payment transaction, the declined request including at least one merchant descriptor; identifying a related authorization request where the included one or more merchant descriptors corresponds to the at least one merchant descriptor included in the declined request; identifying a specific clearing record that corresponds to the related authorization request based on correspondence between the transaction data in the specific clearing record and the related authorization request; and transmitting the two or more merchant descriptors included in the identified specific clearing record. | 04-21-2016 |
| 20160110711 | METHOD AND SYSTEM FOR GENERATING CRYPTOGRAMS FOR VALIDATION IN A WEBSERVICE ENVIRONMENT - A method for generating cryptograms in a webservice environment includes: receiving, in a first environment of a computing system, a credential request transmitted by an external computing device using a secure communication protocol, the credential request including a transaction identifier and account identifier; transmitting, by the first environment, a data request to a second environment of the computing system, the data request including the account identifier; receiving, by the first environment, an account profile and session key from the second environment; transmitting, by the first environment, a cryptogram request to a third environment of the computing system, the cryptogram request including the account profile and session key; receiving, by the first environment, a cryptogram from the third environment generated using the account profile and session key; and transmitting, by the first environment, the cryptogram and transaction identifier to the external computing device via the secure communication protocol. | 04-21-2016 |
| 20160104146 | METHOD AND SYSTEM FOR DIRECT CARRIER BILLING - A method for processing a transaction, comprising: receiving, by an aggregator from a merchant, a transaction data signal electronically transmitted via a communication network; transmitting, by the aggregator to a mobile network operator (MNO), an authorization message; receiving, by the aggregator from the MNO, an approval transaction data signal; transmitting, by the aggregator to a payment network, a request message configured to indicate a virtual card number (VCN) request associated with the MNO's transaction account for the transaction amount; receiving, by the aggregator from the payment network, a VCN transaction data signal; and transmitting, to the payment network, a VCN message indicating the VCN initiation of a payment transaction. | 04-14-2016 |
| 20160092908 | METHOD AND SYSTEM FOR PROCESSING AUTOMATIC PRODUCT DISCOUNTS AT POINT OF SALE - A method for processing account and product linked offers includes: storing data related to a payment transaction including a transaction amount, product data associated with one or more products, and account data associated with a transaction account; transmitting an offer data request, wherein the offer request includes the stored product data and account data; receiving offer data in response to the transmitted offer data request, wherein the offer data includes a transaction modifier and is associated with the stored product data and account data; calculating a modified transaction amount based on the stored transaction amount and the transaction modifier included in the received offer data; and transmitting the calculated modified transaction amount and account data for use in processing a payment transaction. | 03-31-2016 |
| 20160092895 | METHOD AND SYSTEM FOR IDENTIFYING MERCHANT MARKET SHARES BASED ON PURCHASE DATA - A method for identifying consumer segment market shares for a merchant includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a measurement key and plurality of transaction data entries associated with a transaction involving the consumer, each including a merchant identifier for a merchant involved in the transaction; receiving a specific merchant identifier and consumer segments, each segment including a plurality of measurement keys each associated with a consumer; identifying, for each segment, consumer profiles in the database that include a measurement key corresponding to one of the associated keys; calculating, for each segment, a market share based on data included in transaction data entries in each associated consumer profile that includes the specific merchant identifier and transaction data entries in each associated consumer profile that does not include the specific merchant identifier; and transmitting the calculated market share for each segment. | 03-31-2016 |
| 20160092875 | PRODUCT AUTHENTICATION OVER A PAYMENT NETWORK - Systems and methods are provided for authenticating a product over a payment network. A product identifier associated with a product to be authenticated may be included or appended to a conventional authorization request message or clearing message during processing of a payment transaction. The product identifier can be verified at a verification entity to determine whether the product is real or counterfeit. Authorization or settlement of the payment transaction can be approved/processed if the product is determined to be real. Authorization or settlement of the payment transaction can be declined/withheld if the product is determined to be counterfeit. | 03-31-2016 |
| 20160078556 | METHOD AND SYSTEM FOR ESTIMATION OF SMALL BUSINESS RISK AND SPEND PROFILES - A method for aggregating entity transaction data across multiple transaction accounts includes: storing a plurality of entity profiles, wherein each entity profile is associated with an entity including a unique entity identifier and a plurality of transaction data entries, each transaction data entry including transaction data associated with a payment transaction involving one of a plurality of transaction accounts associated with the associated entity; receiving transaction data for a processed payment transaction, wherein the transaction data includes a specific unique entity identifier associated with an entity involved in the processed payment transaction and a separate account identifier associated with a transaction account used to fund the processed payment transaction; identifying a specific entity profile where the included unique entity identifier corresponds to the specific unique entity identifier; and storing, in the identified specific entity profile, the received transaction data. | 03-17-2016 |
| 20160078524 | METHOD AND SYSTEM FOR SUGGESTING AND PROCESSING REGULAR TRANSACTIONS BASED ON PRODUCT DATA - A method for identifying and initiating a regular transaction for a consumer includes: storing a merchant profile, the profile including data related to a merchant including a merchant geolocation; storing an account profile, the profile including data related to a consumer including a plurality of transaction data entries, each including data related to a transaction involving the consumer including a set of one or more product identifiers corresponding to products purchased in the transaction; identifying a regular order for the consumer, the regular order including a specific set of one or more product identifiers based on frequency of the specific set as the set included in the transaction data entries in the account profile; receiving a geolocation associated with the consumer, the geolocation being within a predetermined distance of the geolocation in the merchant profile; and transmitting at least the one or more product identifiers included in the specific set. | 03-17-2016 |
| 20160078503 | METHOD AND APPARATUS TO EXTEND GRACE PERIOD FOR UTILITY PAYMENTS BY PREPAID DEVICE-HOLDERS - Systems and methods for determining whether to extend a grace period to a consumer instead of cancelling their services are described. The system/method accesses payroll card and/or other information pertaining to the consumer's financial and/or employment status and history. Using the information, a score may be determined and used to assess whether to grant the consumer an extension to a grace period and/or to continue access to a utility/service. | 03-17-2016 |
| 20160073228 | SYSTEM AND METHOD FOR GENERATING EXPECTED GEOLOCATIONS OF MOBILE COMPUTING DEVICES - A computer-implemented method for generating a geographical information database associating users with one or more geolocations. The method includes the steps of receiving user identification data, geolocation data, and date and time data associated with the geolocation data from the personal computing devices of a plurality of users. The data is normalized into a predetermined format, and stored in the database. The method further includes periodically requesting updated geolocation data, and date and time data associated with the updated geolocation data from the personal computing devices of the plurality of users. | 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 |
| 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 |
| 20160071136 | METHOD AND SYSTEM FOR INTEGRATING TRAVEL VISA DATA WITH TRANSACTION DATA - A method for linking travel visa data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to one or more consumers including a plurality of consumer characteristics associated with each of the related one or more consumers and a plurality of transaction data entries each corresponding to a payment transaction involving one of the related one or more consumers; receiving a travel visa profile, the profile including travel visa data associated with one or more specific consumers and a plurality of demographic characteristics associated with each of the one or more specific consumers; identifying a consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating each identified consumer profiles with the travel visa data included in the received travel visa profile. | 03-10-2016 |
| 20160071112 | METHOD AND SYSTEM FOR PROVIDING TRANSPARENCY IN DATA COLLECTION AND USAGE - A method for providing transparency for gathered purchase data includes: storing a plurality of account profiles, each profile including data related to a transaction account associated with a consumer including an account identifier and a plurality of consumer data entries, each entry including data associated with the associated consumer including a data value; receiving a data request, the request including a specific account identifier and one or more requested consumer data entries; identifying a specific account profile where the account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more consumer data entries corresponding to the one or more requested consumer data entries; and transmitting the data value included in each of the identified consumer data entries, wherein the data values are based on one or more payment transactions or use of a payment card associated with the related transaction account. | 03-10-2016 |
| 20160071091 | METHOD AND SYSTEM FOR REAL TIME CONSUMER TRANSACTION TRACKING - A method for sharing transaction data includes: storing, inside a point of sale device, a removable integrated circuit payment card, the card being configured to store payment credentials associated with a payment account and including an antenna configured to operate using electric power provided by the point of sale device; receiving, by a receiver of the integrated circuit payment card, transaction data for a payment transaction; encrypting, by a processor of the integrated circuit payment card, the received transaction data; receiving, by the receiver of the integrated circuit payment card, an indication of receipt of an authorization response associated with the payment transaction; and transmitting, by the antenna, the encrypted transaction data to a mobile communication device. | 03-10-2016 |
| 20160063493 | SYSTEM AND METHOD FOR PERFORMING PAYMENT AUTHORIZATION VERIFICATION USING GEOLOCATION DATA - A computer implemented system and method for estimating and verifying a characteristic of a billing address of a payment card including receiving mobile phone and payment card number data from a cardholder. Geolocation data associated with the mobile phone is collected at a predetermined time after cardholder permission to access such data has been granted. Once received, a characteristic of an address associated with the geolocation data is estimated and submitted along with the payment card number to an address verification system for verifying the validity of the characteristic of the address. | 03-03-2016 |
| 20160055431 | SYSTEM AND METHOD FOR GENERATING ITINERARIES AND WEATHER FORECAST DISPLAYS - A computer system is configured to generate travel itineraries from databases of travel data, the itineraries including ordered location and date data, and provide itineraries to user devices for generation of displays of weather forecast data for locations on the itinerary. A user device is configured to access itinerary data, generated from databases of travel data, and weather forecast data, and generate a display of weather forecast data for locations on the itinerary. | 02-25-2016 |
| 20160048858 | METHOD AND SYSTEM FOR DYNAMICALLY CREATING MICRONEIGHBORHOOD AUDIENCE SEGMENTS - A method for generating a micro-neighborhood of consumers includes: storing a plurality of account profiles, each profile including data related to a consumer including account data, a micro-neighborhood location identifier, and a plurality of transaction data entries, each entry being related to a payment transaction involving the related consumer and including transaction data; scoring each account profile stored in the account database by application of a scoring model to the transaction data included in one or more transaction data entries included in the respective account profile; and identifying a plurality of account profile groupings, each grouping including a subset of the plurality of account profiles identified based on the score for and micro-neighborhood location identifier included in each account profile included in the subset, wherein the subset of the plurality of account profiles included in each account profile grouping includes at least a predetermined number of account profiles. | 02-18-2016 |
| 20160048816 | Method and System for Processing Payment Transactions at an Automated Teller Machine - A method for processing payment transactions at an automated teller machine (ATM) includes: storing a plurality of account profiles, each profile including data related to a payment account associated with a consumer including a payment account number associated with the related payment account and one or more alternative account numbers, each associated with a different payment account associated with the consumer; reading payment details encoded on a payment card inserted in a receiving device of an ATM, the details including a specific payment account number; identifying a specific account profile where the included payment account number corresponds to the specific payment account number; and displaying a plurality of account selection items, each item corresponding to a payment account associated with one of: the payment account number and one of the one or more alternative account numbers included in the identified specific account profile. | 02-18-2016 |
| 20160042424 | METHOD AND SYSTEM FOR INTEGRATION OF MERCHANT TRADE AREAS INTO SEARCH RESULTS - A method for identifying merchant trade areas for search result filtering includes: storing a plurality of merchant profiles, each profile including data related to a merchant including a merchant identifier and merchant geographic location; storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific merchant identifier and merchant geographic location associated with a merchant involved in the transaction, a consumer primary geographic location associated with a consumer involved in the transaction, and a travel distance based on a distance between the merchant and consumer primary geographic locations; identifying, for each merchant profile, merchant trade area data, the data including trade distances based on the travel distance included in transaction data entries where the included specific merchant identifier corresponds to the merchant identifier included in the respective merchant profile; and updating merchant profiles to include the respective identified merchant trade area data. | 02-11-2016 |
| 20160042365 | METHOD AND SYSTEM FOR TRANSFER OF CONSUMER DATA TO MERCHANTS - A method for sharing consumer data with a merchant includes: storing, in an account database at least one account profile, wherein each account profile includes data related to a transaction account including at least an account identifier and a plurality of sharing data values; receiving, from a point of sale device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific account identifier and a sharing request; identifying, in the account database, a specific account profile where the included account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more sharing data values of the plurality of sharing data values for sharing to the point of sale device; and transmitting, by a transmitting device, the identified one or more sharing data values to the point of sale device. | 02-11-2016 |
| 20160042327 | METHOD AND SYSTEM FOR PROCESSING OF BUSINESS-TO-BUSINESS PAYMENT TRANSACTIONS - A method for processing business-to-business payments includes: storing a plurality of payment rules, each rule including data related to a payment scheme including an institution identifier and payment amount; receiving, from a first financial institution, a notification of payment to be made by a buyer to a seller, the notification including a first institution identifier associated with the first financial institution, a second institution identifier associated with the seller and/or a second financial institution associated with the seller, and a transaction amount; forwarding, to the second financial institution, a payment notification, the notification including the transaction amount and indicates at least one of: the first financial institution, the buyer, and the seller; identifying a specific payment rule where the institution identifier corresponds to the first institution identifier; and processing a payment to the first financial institution based on the payment amount included in the specific payment rule. | 02-11-2016 |
| 20160034991 | METHOD AND SYSTEM FOR IDENTIFICATION OF NONCOMPLIANT MERCHANTS - A method for assessing merchant likelihood of noncompliance includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including transaction data, an account identifier, and a merchant identifier; identifying a first set of transaction data entries that include a specific merchant identifier associated with a merchant noncompliant with a rule or regulation; identifying a set of account identifiers from the transaction data entries in the first set; identifying a second set of transaction data entries that include account identifiers from the set of account identifiers; identifying a set of merchant identifiers from the transaction data entries in the second set; and calculating, for each merchant identifier in the set, a score indicative of a likelihood that an associated merchant is noncompliant with the rule or regulation based on the transaction data included in each of their transaction data entries in the second set. | 02-04-2016 |
| 20160034884 | METHOD AND SYSTEM FOR CHARGEBACK OF COUNTERFEIT GOODS - A method for processing a chargeback of counterfeit goods includes: storing a plurality of transaction data entries, each entry including data related to a processed payment transaction including transaction data and a merchant identifier; receiving a chargeback request, the request including identification data associated with a plurality of payment transactions and an indication of each of the plurality of payment transactions involving the sale of counterfeit goods; identifying a subset of transaction data entries based on the transaction data in each entry in the subset and the identification data in the chargeback request; initiating a chargeback for the processed payment transaction related to each transaction data entry in the subset; and initiating a payment transaction for an amount based on a number of transaction data entries in the subset, wherein the initiated payment transaction involves an entity associated with the chargeback request. | 02-04-2016 |
| 20160034870 | METHOD AND SYSTEM FOR IMPOSITION OF COSTS ON SPAM ADVERTISED MERCHANTS - A method for imposing fees on a merchant includes: storing, in a merchant database, a plurality of merchant profiles, wherein each merchant profile includes data related to a merchant in violation of a rule or regulation including at least a merchant identifier; receiving, by a receiving device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific merchant identifier associated with a merchant involved in the payment transaction and a transaction amount; identifying, in the merchant database, a specific merchant profile where the included merchant identifier corresponds to the specific merchant identifier; processing, by a processing device, the payment transaction for the transaction amount; processing, by the processing device, a second payment transaction for the imposition of fees on the merchant involved in the payment transaction; and processing, by the processing device, a third payment transaction for revocation of the transaction amount. | 02-04-2016 |
| 20160019572 | METHOD AND SYSTEM FOR EFFICIENTLY DISTRIBUTING COUPONS - A method for efficiently distributing coupons to consumers including, inter alia, storing a plurality of consumer profiles; receiving, from a first device of a first consumer, a first consumer identifier associated with the first consumer and identification of at least one second consumer to whom a coupon, with an associated coupon identifier, is to be forwarded; forwarding the coupon to a second device of the at least one second consumer; creating a coupon forwarding data entry, in a consumer profile of the first consumer; receiving a notification indicating coupon redemption and including at least the coupon identifier; updating a consumer profile of the second consumer to reflect a weighted interest level; identifying from the first database, coupon history information that includes at least forwarding and redemption information associated with the redeemed coupon; and generating statistics based on the identified coupon history information. | 01-21-2016 |
| 20160019545 | METHOD AND SYSTEM FOR A UNIFIED PLATFORM AND DATA INTEGRATION IN A GROUP OF RELATED COMPANIES - A method for data integration in a unified platform includes a processing server that is configured to store account profiles for unified transaction and membership accounts, receive authentication requests from multiple entities, receive a transaction message for a payment transaction from another entity, identify an account profile associated with the authentication requests and payment transaction, process the payment transaction, perform authentication for each of the authentication requests, and electronically transmit results of the transaction processing and authentication to the appropriate entities, such that the processing server provides for a unified platform where data is integrated and used at a plurality of different merchants for a plurality of different services for consumer and merchant convenience. | 01-21-2016 |
| 20160019535 | METHOD AND SYSTEM FOR MAINTAINING PRIVACY IN SCORING OF CONSUMER SPENDING BEHAVIOR - A method for maintaining consumer privacy in behavioral scoring includes a first computing system and a second computing system. The first computing system disguises consumer characteristics and maps disguised consumer characteristics to unencrypted account identifiers, and then transmits the data to the second computing system. The second computing system encrypts the account identifiers upon receipt, and maps the encrypted account identifiers to anonymous transaction data. The second computing system uses the transaction data to calculate consumer behavioral scores, and then generates a scoring algorithm that uses disguised consumer characteristics to calculate consumer behavior scores based on the calculated consumer behavioral scores and corresponding disguised consumer characteristics. The generated algorithm is then returned to the first computing system, with the second computing system not receiving any unencrypted account identifiers, any undisguised consumer characteristics, or any personally identifiable information. | 01-21-2016 |
| 20160019504 | SUPPLY CHAIN MANAGEMENT TOOL TO PROMOTE A UNIFORM BUSINESS ECOSYSTEM - Systems and methods are provided for understanding a business ecosystem, e.g., technology asset makeup, of a company. Arising from this understanding, intelligent recommendations can be provided to, e.g., supply chain management and other personnel in the company, regarding the use and/or implementation of new or additional technology assets in order to facilitate a uniform business ecosystem. | 01-21-2016 |
| 20160005126 | SYSTEM AND METHOD FOR INVESTMENT PORTFOLIO RECOMMENDATIONS BASED ON PURCHASING AND RETAIL LOCATION - Systems and methods are provided for scanning a code associated with, taking a picture of, or otherwise receiving a product or service identifier. Upon recognizing the product or service identifier, the product or service identifier can be linked, mapped, correlated to, or otherwise associated with a company or corporate entity. Upon determining, for example, that the company or corporate entity is publicly owned or traded, one or more investment activities can be undertaken, e.g., purchasing stock in the company or corporate entity, viewing financial information associated with the company or corporate entity, etc. | 01-07-2016 |
| 20160005072 | METHOD AND SYSTEM FOR ONLINE COMMERCE ANALYSIS - A system for analyzing spending data includes a receiving device and a processing device. The receiving device is configured to receive transaction data for a plurality of payment transactions for a plurality of consumers, wherein the transaction data for each of the plurality of payment transactions includes at least purchase data and a payment transaction type. The processing device is configured to: categorize the transaction data from the storage device based on the payment transaction type; generate a filtered list of transaction data including transaction data for payment transactions conducted online; and analyze, for each of the payment transactions included in the filtered list of transactions, spending behaviors based on the associated transaction data, wherein analyzing spending behaviors includes categorizing the plurality of consumers based on frequency of payment transactions conducted online. | 01-07-2016 |
| 20160005060 | METHOD AND SYSTEM FOR PREDICTING SPENDING ON TRAVEL - A system for analyzing spending data includes a database, a receiving device and a processing device. The database stores a geographic area associated with a primary purchase area of a consumer. The receiving device receives transaction data for payment transactions for a plurality of consumers, wherein the transaction data includes purchase data, a transaction location, and a transaction time and/or date associated with the payment transaction. The processing device identifies the transaction data of the plurality of payment transactions originating at a location outside the primary purchase geographic area; generates a filtered set of payment transactions based on the identified transaction data; analyzes spending behaviors of the plurality of consumers; generates an aggregated report of transaction data occurring within a predetermined period of time for the plurality of consumers; and categorizes, for each consumer, the consumer's relative placement within the aggregated report based on a plurality of purchase attributes included. | 01-07-2016 |
| 20150379537 | METHOD AND SYSTEM FOR GENERATING GEOGRAPHIC POLYGONS USING PURCHASE DATA - A method for generating a consumer polygon map includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including a consumer identifier and a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving the related consumer including transaction data and a geographic location; receiving a request for a consumer polygon, wherein the request for a consumer polygon includes a specific consumer identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and generating a polygon map for the consumer related to the specific consumer profile, wherein the polygon map includes a plurality of polygon vertices, each polygon vertex being at a geographic location corresponding to a geographic location included in a transaction data entry included in the specific consumer profile. | 12-31-2015 |
| 20150371211 | METHOD AND SYSTEM FOR MAINTAINING PRIVACY IN THE INFERENCE OF MERCHANT GEOLOCATIONS - A method for inferring a merchant geolocation includes: storing a plurality of transaction data entries, each including an account identifier, merchant identifier, and transaction time; storing a plurality of merchant profiles, each including a merchant identifier and geolocation; identifying a first set of transaction data entries, each entry including a common merchant identifier; identifying a second set of transaction data entries, each entry including a different merchant identifier corresponding to a merchant within a predetermined distance of a merchant corresponding to the common merchant identifier; transmitting an identification value associated with each transaction data entry in the first and second sets; receiving geolocation data entries for each identification value, each entry including a location time and geolocation; and identifying an updated merchant geolocation for the merchant corresponding to the common merchant identifier based on the geolocation included in geolocation entries that match transaction data entries in the first set. | 12-24-2015 |
| 20150371207 | METHOD AND SYSTEM FOR VARIABILITY OF AGGREGATED PAYMENTS BASED ON ACCOUNT TRUSTWORTHINESS - A method for intelligently aggregating payment transactions based on consumer trustworthiness includes: storing an account profile, the profile including data related to a consumer including an account identifier, payment details, and a trustworthiness score; identifying a period of time for transaction aggregation based on the trustworthiness score included in the account profile; receiving transaction data for a plurality of payment transactions, the transaction data for each transaction including the account identifier, a transaction amount, and a transaction time and/or date; aggregating the transaction amount included in the transaction data in each payment transaction of the plurality of payment transactions where the included transaction time and/or date is within the identified period of time; and transmitting the aggregated transaction amount and the payment details included in the account profile for use in processing an aggregated payment transaction. | 12-24-2015 |
| 20150356659 | METHOD AND SYSTEM FOR PROVIDING MERCHANT REFERRALS TO CONSUMERS - A method for processing a consumer referral includes: storing, a plurality of location data entries, each entry including data related to a geographic location including a location identifier and location data; storing a plurality of referral data entries, each entry including data related to a referral including a referral identifier and one or more specific location identifiers; receiving a referral request, the request including a specific referral identifier encoded in a machine-readable code displayed at a specific geographic location associated with the specific referral identifier; identifying a specific referral data entry where the included referral identifier corresponds to the specific referral identifier; identifying a specific location data entry where the included location identifier corresponds to one of the one or more specific location identifiers included in the identified specific referral data entry; and transmitting the location data included in the identified specific location data entry in response to the request. | 12-10-2015 |
| 20150348219 | METHOD AND SYSTEM FOR LINKING LAW ENFORCEMENT DATA TO PURCHASE BEHAVIOR - A method for linking law enforcement data to transaction data includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including a geographic location associated with the related transaction, a transaction time and/or date, and transaction data; receiving law enforcement data, the data being related to criminal and law enforcement activity and including a geographic enforcement area, a period of time, and one or more law enforcement characteristics associated with the activity; identifying a subset of transaction data entries where each entry in the subset includes a geographic location included in a geographic transaction area corresponding to the geographic enforcement area and a transaction time and/or date included in the period of time; and identifying an economic impact of the criminal and law enforcement activity based on the transaction data included in the transaction data entries included in the identified subset. | 12-03-2015 |
| 20150348209 | METHOD AND SYSTEM FOR LINKING FORENSIC DATA WITH PURCHASE BEHAVIOR - A method for linking forensic data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier associated with the related consumer and a plurality of transaction data entries, each entry including data related to a payment transaction involving the consumer including transaction data; receiving a forensic profile, the profile including forensic data obtained from a computing device; identifying a correspondence between the received forensic data and transaction data included in the stored transaction data entries to obtain a specific consumer identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and transmitting at least the transaction data included in one or more transaction data entries included in the identified specific consumer profile. | 12-03-2015 |
| 20150348121 | EVENT SEATING FOR TICKET BUYERS - A method includes receiving, from a user, a request for seating at an event. The method further includes fulfilling the request for seating, based at least in part on spending habit information for the user, where the spending habit information is derived from data indicative of payment card account transactions by the user. | 12-03-2015 |
| 20150348072 | METHOD AND SYSTEM FOR SELECTING A TARGET AUDIENCE - A method and a system are provided for selecting an audience of potential acceptors for receiving a targeted communication and for making a targeted communication to an audience of potential acceptors. The method involves retrieving, from one or more databases, a first set of information including checking account activities and characteristics attributable to an audience of checking account customers. At least a portion of the audience of checking account customers are identifiably associated with an audience of payment card holders. The method also involves retrieving, from one or more databases, a second set of information including payment card activities and characteristics attributable to the audience of payment card holders. Payment card holders meeting selection criteria are identified based on the first set of information and the second set of information. Payment card holders meeting the selection criteria are selected for receiving a targeted communication (e.g., a payment card upgrade). | 12-03-2015 |
| 20150348037 | METHOD AND SYSTEM FOR IMPROVED FRAUD SCORING BASED ON CRIMINAL ACTIVITY - A method for improving fraud scoring based on criminal activity includes: storing transaction data entries, each including transaction data related to a payment transaction and a transacting consumer identifier; storing consumer profiles, each including data related to consumers including consumer characteristics and a consumer identifier; storing fraud scoring rules, each being configured to score a payment transaction for a likelihood of fraud based on transaction data; receiving a criminal activity notification, the notification including criminal characteristics associated with criminals or victims associated with untrustworthiness or fraud; identifying a specific consumer profile where a predefined number of the consumer characteristics correspond to the criminal characteristics; identifying a subset of transaction data entries where the transacting consumer identifier corresponds to the consumer identifier in the specific consumer profile; and updating the fraud scoring rules based on the transaction data included in each transaction data entry in the subset. | 12-03-2015 |
| 20150348030 | SYSTEM AND METHOD FOR ELECTRONIC PAYMENT - A system for processing a payment transaction, comprises a first entity configured to initiate a payment transaction with a merchant, a second entity configured to issue an account number in respect of the payment transaction, and a transaction processor configured to route the payment transaction between the merchant and the second entity in order to obtain authorization for the payment transaction from the second entity. The system is provided with an escrow account facility configured to hold an advanced fund associated with the payment transaction, the escrow facility being controlled by the transaction processor. The invention is also expressed in a method for processing a payment transaction. | 12-03-2015 |
| 20150348028 | SYSTEMS AND METHODS FOR MANDATED SERVICES VERIFICATION - A method and system for verifying cardholder compliance or non-compliance with a mandated services requirement by a third party using a payment card payment card network coupled to a database are provided. The method includes receiving sets of predetermined parameters that each define a transaction for one or more mandated services, receiving, by the computer device, transaction data for a plurality of transactions, determining, by the computer device, transactions for one or more mandated services from the plurality of received transactions using the received sets of parameters, summarizing the transaction data from the determined transactions, and transmitting the summarized transaction data to the third party, the summarized transaction data demonstrating cardholder compliance or noncompliance with the mandated services requirement. | 12-03-2015 |
| 20150347991 | METHOD AND SYSTEM FOR ANALYSIS OF CARD-ISSUED AGENCY ENTITLEMENT BENEFITS - A method for identifying agency entitlements includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific account identifier associated with a payment account involved in the transaction and transaction data; storing a plurality of account profiles, each profile including data related to a payment account including an account identifier associated with the account and account data; identifying entitlement rules, wherein each o entitlement rule is associated with an agency entitlement and is configured to identify recipients of the entitlement; applying, to account profiles, the entitlement rules to (i) the account identifier and/or account data included in the respective profile, and/or (ii) the transaction data included in transaction data entries associated with the respective account profile, to identify an agency entitlement associated with the account; and updating account profiles to include the identified entitlement associated with the account. | 12-03-2015 |
| 20150347624 | SYSTEMS AND METHODS FOR LINKING AND ANALYZING DATA FROM DISPARATE DATA SETS - Systems and methods for linking or matching data of disparate datasets and then performing business related data analysis. Consumer-related data of two or more disparate datasets are linked in a privacy-friendly manner, and then analyzed to provide business information and/or consumer information to clients. The linking and analysis is performed in a manner to protect personally identifiable information (PII) of the consumers. In an embodiment, a processor receives a plurality of disparate anonymized datasets originating from a plurality of different data sources, formats the de-identified data to provide a plurality of formatted anonymized datasets, and links the data entries of the de-identified individuals by matching at least date data, time data, and location data. The processor then analyzes the activity data of the linked data entries, and generates a report based on the analysis. | 12-03-2015 |
| 20150339708 | METHODS AND SYSTEMS FOR PERFORMING THIRD PARTY TRANSACTIONS - Methods and systems of performing multi-party transactions through a single authorization and multiple settlements is disclosed. The transaction involves a consumer entering into primary and secondary transactions as a single transaction for a merchant's and third party's products, wherein the third party products are not located at the merchant's establishment. Additionally, third party merchant offers may be filtered depending on information pertaining to the consumer. | 11-26-2015 |
| 20150339685 | METHOD AND SYSTEM FOR IDENTIFYING INFLUENCERS IN NOMADIC SUBCULTURES - A method for identifying influencers in nomadic subcultures includes: storing a plurality of transaction data entries, each including data related to a payment transaction including a plurality of merchant data values, a consumer identifier, and a plurality of transaction data values; storing a plurality of consumer profiles, each including data related to a consumer including a consumer identifier and consumer data; identifying merchant data values and transaction data values associated with a nomadic subculture; identifying a subset of transaction data entries where the merchant data values and transaction data values includes at least one of the merchant data values and transaction data values associated with the nomadic subculture; identifying one or more consumer identifiers included in at least two transaction data entries in the subset; and identifying a consumer profile including a consumer identifier of the identified one or more consumer identifiers. | 11-26-2015 |
| 20150339663 | METHODS OF PAYMENT TOKEN LIFECYCLE MANAGEMENT ON A MOBILE DEVICE - A method includes maintaining a token database in a computer system, where the token database maps tokens to primary account numbers (PANs) for payment card accounts. The method further includes storing a respective entry in the token database for a token, with the token being mapped by the respective entry to a respective PAN and the respective PAN identifies a payment card account that belongs to a cardholder who uses a mobile device. The method also includes provisioning the token to the mobile device and determining at a subsequent point in time that a lifecycle event has occurred or will soon occur with respect to the token. In addition, the method includes updating the respective entry for the token in the token database in response to determining that the lifecycle event has occurred. | 11-26-2015 |
| 20150332414 | SYSTEM AND METHOD FOR PREDICTING ITEMS PURCHASED BASED ON TRANSACTION DATA - A system for analyzing data comprising: an input module for receiving a transaction record corresponding to a product purchase; a database for storing the transaction received by the input module; a computerized predictive model for determining an indicator for the transaction record based on at least one of a customer identifier, a class of merchant, an amount of the transaction, and a terminal identifier, wherein the indicator is indicative of a likelihood of a correct product determination; and one or more processors for: executing the predictive models; and processing the transaction record based upon the indicator determined by the computerized predictive model. | 11-19-2015 |
| 20150332353 | Methods and Systems of Authenticating Reviews - Systems and method for authenticating reviews are disclosed. One exemplary method includes receiving a request to authenticate a review. The review related to at least one of a commodity and a merchant. The exemplary method further includes identifying a payment account having a first transaction associated with the at least one of the commodity and the merchant. The payment account is associated with the consumer. The exemplary method includes requesting confirmation of a detail of a second transaction to the payment account, the second transaction being different than the first transaction, and issuing, by the server, an authentication for the review, when the detail of the second transaction is confirmed. | 11-19-2015 |
| 20150332301 | Transaction Discount Systems and Methods - Systems and methods for applying a transaction discount to a payment account are disclosed. In one exemplary system, a transaction discount system includes a memory having a discount database identifying discounted transaction types, a discount amount per discounted transaction type for an account type, and where each discounted transaction type is associated with a sponsor account. A server receives an electronic transaction from a payment device associated with a payment account. The server is coupled to the memory and includes computer-executable instructions defining a consumer transaction discount program that authorizes a full payment of the electronic transaction on the payment account and further credits the payment account the discount amount when the electronic transaction matches the discounted transaction type and the payment account matches the account type. The consumer transaction discount program also further debits the sponsor account for the discount amount. | 11-19-2015 |
| 20150332286 | SYSTEM AND METHOD IDENTIFYING HOLDERS OR RE-SELLABLE COMMODITIES - A system for identifying a holder of re-sellable commodities is provided. The system includes one or more data storage devices containing payment card transaction data of a plurality of customers and a filter configured to identify payment card transactions associated with a predetermined re-sellable commodity from the payment card transaction data. The system further comprises one or more additional data storage devices containing at least one of market or industry data related to the predetermined re-sellable commodity. A processor is provided and configured to analyze the card payment transaction data and the market or industry data related to the predetermined re-sellable commodity for identifying a customer likely to be in possession of the predetermined re-sellable commodity. | 11-19-2015 |
| 20150332285 | SYSTEM AND METHOD FOR MAKING WEATHER BASED ACTIVITY RECOMMENDATIONS - A system for correlating customer payment card purchases and contemporaneous weather conditions. The system comprises a first data storage device containing payment card transaction data and a second data storage device comprising historic weather data. A processor is provided and configured to identify correlations between payment card transactions and weather conditions contemporaneous to the transactions or otherwise associated therewith. | 11-19-2015 |
| 20150332284 | SYSTEM AND METHOD FOR DETERMINING SERVICE INTERVALS BASED ON TRANSACTION DATA - A system for determining service intervals of a serviceable property based on payment card transaction data. A data storage device contains payment card transaction data of a plurality customers and merchants. A processor is configured to identify purchasers of a serviceable property based on processing payment card transaction data including statistical analysis of the payment card transaction data to identify relationships between different payment card transactions representing a correlation of a given property of a purchaser with a particular service linked to the property. Characteristic traits and service frequencies are determined for purchasers of the serviceable property. A particular serviceable property is selected from the payment card transaction data, and the determined profile data is applied, along with selected data characteristics of a given service, to obtain data representative of an updated service interval for a given service associated with the serviceable property. | 11-19-2015 |
| 20150332271 | PASSIVE CARDHOLDER VERIFICATION METHOD IN MOBILE DEVICE - In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined. | 11-19-2015 |
| 20150332222 | MODELING CONSUMER CELLULAR MOBILE CARRIER SWITCHING METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to model and predict consumer cellular mobile carrier switching intentions of a payment cardholder based on transaction payment card purchases. | 11-19-2015 |
| 20150326935 | Methods and Systems for Purchasing Products From Media Content Shown on Media Display Devices - Methods and systems are described for use in purchasing products from media content displayed on a media display device. As an example, a consumer can select a portion of the media content, showing a desired product for purchase, while the media content is displayed at the media display device. The product is then identified, at the media display device, based on metadata of the selected portion of the media content in which the product was shown. Descriptive content for the identified product is then displayed at the media display device, and an option to purchase the product is provided to the consumer. | 11-12-2015 |
| 20150324838 | Systems and Methods for Evaluating Effectiveness of Campaigns Through Use of Transaction Amount Markers - Systems and methods for evaluating effectiveness of campaigns are disclosed. One exemplary method includes identifying a promotional campaign offered by a merchant during an offer period including an offer of a commodity at a predetermined price, and compiling a first set of payment accounts based on each payment account including a transaction to the merchant at the predetermined price within the offer period. The method also includes correlating the first set of payment accounts to a second set of payment accounts based on at least one identifying criteria associated with transactions to the payment accounts during a correlation period, which is different than the offer period. The method further includes generating and storing a comparison between the first set of payment accounts and the second set of payment accounts for transaction data during the offer period, to thereby indicate an effectiveness of the campaign. | 11-12-2015 |
| 20150324823 | METHOD AND SYSTEM FOR IDENTIFYING ASSOCIATED GEOLOCATIONS - A method and a system are provided for identifying associated geolocations. The method involves retrieving from one or more databases a first set of information including payment card transaction information, and retrieving from one or more databases a second set of information including external information. The method further includes analyzing the first set of information and the second set of information to construct (i) one or more definitions of geography, (ii) one or more definitions of time, and (iii) one or more payment card holder lists by geography and by time period to identify payment card holder overlap, and creating one or more groupings of geographies and time periods based on the payment card holder overlap. The method and system provide advantages in fraud prevention, and can also be used by merchants or businesses to better target customers or enhance existing customer relationships. | 11-12-2015 |
| 20150324822 | PREDICTING TRANSIENT POPULATION BASED ON PAYMENT CARD USAGE - A system and a method for predicting the transient population of a geographic location or region using point of sale transaction data are disclosed. Historical purchase data is used to develop logic for predicting a transient population at any given time, or predicting or determining the present transient population. The logic can be tested against transaction data to qualify its accuracy. Statistical techniques are used to develop the logic with a sample of payment cardholders during an analytical phase. The logic can be applied to a broader universe of cardholders to ascertain a higher level of confidence that can be assigned to the prediction. | 11-12-2015 |
| 20150324816 | PREDICTING LOCATION BASED ON PAYMENT CARD USAGE - A system and a method for predicting the location of a person using prior point of sale transaction data are disclosed. Historical purchase data is used to develop logic for predicting a present or future location at any given time of the cardholder. The logic can be tested against transaction data to qualify its accuracy. Statistical techniques are used to develop the logic with a sample of payment cardholders during an analytical phase. The logic can be applied to a broader universe of cardholders to ascertain a higher level of confidence that can be assigned to the prediction. | 11-12-2015 |
| 20150324809 | METHOD AND SYSTEM FOR DETERMINING POLITICAL AFFILIATIONS AND ATTITUDES - A method and a system are provided for determining political affiliations and/or attitudes of payment card holders. The method involves retrieving from one or more databases a first set of information including payment card transaction information, and retrieving from one or more databases a second set of information comprising external information. The external information includes merchant political affiliation and/or attitude information and payment card holder political affiliation and/or attitude information. The method further includes analyzing the first set of information and the second set of information to identify one or more associations between the payment card transaction information and the external information, and determining political affiliation and/or attitude of one or more payment card holders based on the one or more associations. The method and system can be used by merchants or businesses to better target customers or enhance existing customer relationships. | 11-12-2015 |
| 20150324795 | SYSTEMS AND METHODS FOR COMMUNICATING LIABILITY ACCEPTANCE WITH PAYMENT CARD TRANSACTIONS - A computer-based method for communicating liability acceptance for payment card transactions is provided. The method uses a computer device including a processor and a memory. The method includes receiving, by the processor, a transaction authorization request message for a payment card transaction having a default-liable party. The transaction authorization request message includes a shifted-liability acceptance indicator identifying a different party to the transaction that accepts liability for the payment card transaction. The method also includes authorizing the payment card transaction based at least in part on the shifted-liability acceptance indicator. The shifted-liability acceptance indicator changes the liability for the payment card transaction from the default-liable party to the different party accepting liability. | 11-12-2015 |
| 20150324767 | SYSTEM AND METHOD FOR RECOVERING REFUNDABLE TAXES - A method for processing a transaction relating to a purchase and refunding a tax paid on the purchase. The method comprises receiving, over a network from a merchant apparatus, payment transaction data relating to a payment transaction associated with an electronic payment card; analyzing the payment transaction data to determine whether the payment transaction is eligible for a tax refund; determining a tax refund value corresponding to the payment transaction; determining that the payment transaction is authorised for a tax refund, and coordinating with at least an issuer associated with the electronic payment card in order to credit an account associated with the electronic payment card with the tax refund value. The invention is also expressed as a computing platform configured to perform the method steps previously described, and also to a system. | 11-12-2015 |
| 20150317747 | METHOD AND SYSTEM FOR PROVIDING FINANCIAL PERFORMANCE DATA ASSOCIATED WITH A MERCHANT - A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant. | 11-05-2015 |
| 20150317674 | METHOD AND SYSTEM FOR INCORPORATING PAYMENT DATA TO IMPROVE ONLINE ADVERTISING - A method for identifying purchase data for advertisement suppression includes: receiving, by a receiving device, a data file originating from a computing device, wherein the data file includes at least a computer identifier associated with the computing device, a purchase identifier, and an origination time and/or date; receiving, by the receiving device, transaction data for a payment transaction, where a portion of the transaction data corresponds to the purchase identifier, wherein the transaction data includes at least purchase data and a transaction time and/or date, and wherein the transaction time and/or date is within a predetermined period of time of the origination time and/or date; and transmitting, by a transmitting device, at least the purchase data included in the received transaction data and the computer identifier for suppression of advertisements distributed to the computing device based on at least the purchase data. | 11-05-2015 |
| 20150317654 | METHOD AND SYSTEM FOR LINKING TRAFFIC DATA TO PURCHASE BEHAVIOR - A method for linking traffic data to transaction data includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including at least a geographic location associated with the related payment transaction, a transaction time and/or date, and transaction data; receiving traffic data, the traffic data being related to vehicle traffic and including at least a geographic traffic area, a period of time, and one or more traffic characteristics associated with the vehicle traffic; identifying a subset of transaction data entries where each entry in the subset includes a geographic location included in a geographic transaction area corresponding to the geographic traffic area and a transaction time and/or date included in the period of time; and identifying an economic impact of the vehicle traffic based on at least the transaction data included in each of the transaction data entries included in the identified subset. | 11-05-2015 |
| 20150317631 | MATCHING PERSONAL PHOTO IMAGES WITH PURCHASE HISTORY - At a photo server, a payment card account number is obtained from a cardholder. At the photo server, access is obtained to a database of payment card transaction information, using the payment card account number. At least one digital photo is putatively matched to a location of at least one transaction for the payment card account number in the database of transaction information, based on at least one of time stamp and geolocation, to obtain a first putative match. An indication of the first putative match is provided to the cardholder. | 11-05-2015 |
| 20150317629 | SYSTEMS AND METHODS FOR AUTHORIZING A PURCHASE TRANSACTION USING NET WORTH ESTIMATE - Systems and methods for permitting a consumer to consummate a purchase transaction when the purchase transaction amount exceeds an available credit limit and that consumer has assets to cover the overage amount. Thus, in some embodiments a net worth confirmation platform receives transaction information, transmits the transaction information to an Issuer financial institution (FI), receives an indication from the Issuer FI that the that the transaction is unauthorized, and determines that at least one business rule applies to the transaction and an overage amount. The net worth confirmation platform also determines a net worth estimate of the consumer based on at least one asset of the consumer, and transmits a transaction authorization message to the merchant when the business rule(s) is or are satisfied. | 11-05-2015 |
| 20150317613 | SYSTEMS AND METHODS FOR PROVIDING ANONYMIZED TRANSACTION DATA TO THIRD-PARTIES - A computer-implemented method for authorizing access to transaction data to a third-party computer system is implemented by a payment processor computer system coupled to a memory. The method includes receiving a request for access to transaction data associated with a cardholder account, requesting a set of authentication information associated with the cardholder account, authenticating the set of authentication information upon receiving the set of authentication information, and authorizing the third-party computer system to receive transaction data associated with the cardholder account. Upon validation, the payment processor computer system generates an authorization token and provides the authorization token to the third-party computer system. The third-party computer system uses the authorization token and a secure identifier to retrieve transaction data associated with the cardholder account. | 11-05-2015 |
| 20150310475 | METHOD AND SYSTEM FOR PREDICTING COUPON REDEMPTION - A method for identifying coupon redemption characteristics includes: storing a plurality of consumer profiles, each consumer profile including data related to a consumer including a consumer identifier and a plurality of coupon redemption data entries, each coupon redemption data entry including a coupon identifier and coupon data related to a coupon redeemed by the related consumer; receiving an authorization request for a payment transaction, the authorization request including a specific consumer identifier and a redeemed coupon identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; creating, in the specific consumer profile, a new coupon redemption data entry corresponding to a coupon corresponding to the redeemed coupon identifier; and identifying at least one coupon redemption characteristic based on the coupon data included in each of the coupon redemption data entries included in the specific consumer profile. | 10-29-2015 |
| 20150310442 | METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR DETERMINING CRIMINAL PROPENSITIES IN A GEOGRAPHIC LOCATION BASED ON PURCHASE CARD TRANSACTION DATA - Methods, systems, and computer readable media for determining criminal propensities in a geographic location based on customer card transaction data are disclosed. In one example, the method includes utilizing purchase card transaction data associated with purchase card transactions conducted during a designated time period to determine a plurality of first normalized regional expenditure indices corresponding to a plurality of industry categories for a first geographic location. The method further includes generating an algorithmic model based on correlations between each of the first normalized regional expenditure indices and a plurality of criminal offense types committed during the designated time period and applying the algorithmic model to each of a plurality of second normalized regional expenditure indices corresponding to the plurality of industry categories associated with a second geographic location in order to determine a criminal propensity indicator in the second geographic location for each of the plurality of criminal offense types. | 10-29-2015 |
| 20150310440 | Methods and Systems for Verifying Individuals Prior to Benefits Distribution - Systems and methods for verifying individuals prior to distribution of one or more benefits are disclosed. One exemplary method includes receiving, at a server, a proof-of-life validation from a payment service provider. The proof-of-life validation is based on receipt of a valid biometric from the individual at a payment device associated with the individual, and a transaction using said payment device. The method further includes distributing the benefit to a benefit account associated with the individual, when the proof-of-life validation is received within a time interval of the benefit distribution date. | 10-29-2015 |
| 20150310439 | METHOD FOR GENERATING AND UPDATING ALTERNATE SECURITY CODES FOR PAYMENT CARDS - An auxiliary security code called a CVC2a is generated to replace a CVC2 value that is presented on a payment card for verifying card-not-present (CNP) transactions without necessarily generating a replacement card. An enhanced card table/file is maintained by a payment network operator to facilitate transitional scenarios in which the payment cards are reissued or replaced. | 10-29-2015 |
| 20150310425 | Systems and Methods of Processing Payment Transactions Using One-Time Tokens - Disclosed are exemplary embodiments of systems and methods for processing payment transaction using pseudo-PAN. In an exemplary embodiment, a method generally includes generating an encryption salt, receiving a request from a consumer indicating a possible payment transaction, in response to the request, generating a one-time token, based on the actual payment information and a most recent generated encryption salt, the one-time token having the same format as the payment information, with a routing segment of the one-time token being identical to a routing segment of the payment information, and presenting the one-time token. | 10-29-2015 |
| 20150310401 | Platform and Method for Analyzing the Performance of Message Oriented Middleware - A computer server platform application for analyzing a capability of a message oriented transaction system. The platform application includes a first server having a performance driver utility for sending a plurality of transactions through a queue manager as messages having a payload and a correlation identification. The performance driver utility calculates and records a completion time for each transaction sent. A backend utility within the first server is for receiving each transaction sent, converting each payload into a reply message, and sending the reply message to a reply queue destination. A graphing utility contained within the first server is for displaying the completion time for each transaction and an average number of transactions per unit of time for a total number of transactions tested. The performance driver utility is further for displaying categories of possible transaction delays and resolutions of the delays. | 10-29-2015 |
| 20150310387 | Systems and Methods for Routing Return Products to Subsequent Purchasers - Disclosed are exemplary embodiments of systems and methods for routing return products from prior purchasers to subsequent purchasers. In an exemplary embodiment, a method generally includes receiving a search request for a target product, identifying a return product associated with the target product, in response to the search request, the return product designated for return from a prior purchaser to a seller of the return product, but not yet received by the seller, receiving a purchase request for the return product, the purchase request indicating a subsequent purchaser, and issuing an instruction, to a courier in possession of the return product and/or the prior purchaser of the return product, to route the return product to the subsequent purchaser. | 10-29-2015 |
| 20150302522 | WEATHER RELATED PURCHASE GUARANTY FOR PAYMENT NETWORKS - Processor-executable methods, computing systems, and related processing for the creation, transaction, administration, management and communication of data relating to weather-related guarantees or insurance policies on travel related expenditures made over a payment card system for protecting against loss of value, or otherwise agreed upon conditions, relating to unpredictable weather or other natural phenomenon. | 10-22-2015 |
| 20150302464 | SYSTEMS AND METHODS FOR AUDIENCE PERFORMANCE OPTIMIZATION USING CREDIT CARD DATA, HISTORICAL NETWORK TRANSACTION DATA, AND PROMOTION CONTACT DATA - A method includes receiving a data set that represents payment card transactions of a set of cardholders during a current time period. The method further includes filtering the set of cardholders based on one or more spending characteristics exhibited by the set of cardholders and indicated by the payment card transactions during the current time period, to produce a subset of the cardholders. Still further, the method includes filtering the subset of cardholders based on one or more spending characteristics of the subset of cardholders during a historical time period that ended substantially prior to an ending point of the current time period, to produce an audience set of the cardholders. Promotional contact information relating to previous contacts with cardholders, and/or non-transactional account information (e.g., credit limits), may also be used in defining the audience set instead of twice filtering the set of cardholders based on spending habits. | 10-22-2015 |
| 20150302438 | Systems and Methods for Generating Competitive Merchant Sets for Target Merchants - Exemplary systems and methods for generating competitive merchant sets for target merchants are disclosed. One exemplary method includes compiling a sample of merchants from a database of merchants, determining a ticket size score, determining a proximity score for each merchant in the sample of merchants, and determining a historic relation score for each merchant in the sample of merchants. The exemplary method further includes generating a competitive merchant set, based on a combination of the ticket size score, proximity score, and the historic relation score. | 10-22-2015 |
| 20150302406 | METHODS AND SYSTEMS FOR IMPROVING ACCURANCY OF MERCHANT AGGREGATION - A method and a system that involve retrieving, from one or more databases, a first set of information including merchant aggregated payment card transaction data, and retrieving, from one or more databases, a second set of information including merchant hierarchical organizational structure. The method and the system further involve analyzing the first set of information and the second set of information to identify one or more associations between the merchant aggregated payment card transaction data and the merchant hierarchical organizational structure, and updating the merchant aggregated payment card transaction data based on the one or more associations. The method and the system provide up-to-date merchant identification information to enable accurate merchant aggregation. The method and the system leverage consumer payment transaction data and up-to-date merchant organizational structure information in a way that enables accurate merchant aggregation. | 10-22-2015 |
| 20150302405 | METHOD AND SYSTEM FOR VALIDATION OF MERCHANT AGGREGATION - A method and system that involve retrieving, from one or more databases, a first set of information including merchant aggregated payment card transaction data for a defined time period, and retrieving, from one or more databases, a second set of information including merchant reported sales data for the defined time period. The method and system further involve analyzing the first set of information and the second set of information to generate a correlation coefficient for the defined time period, and assessing the merchant aggregated payment card transaction data based on the correlation coefficient. The method and system enable validation or verification of merchant aggregation, e.g., determining if merchant aggregation is optimal or above a predetermined threshold value. The method and system leverage consumer payment transaction data and merchant sales information in a way so as to enable validation or verification of merchant aggregation. | 10-22-2015 |
| 20150294413 | METHOD AND SYSTEM FOR ASSURING CURRENCY EXCHANGE RATES - A method for providing an assured currency exchange rate includes: storing, in an account database, an account profile, wherein the account profile includes data related to a payment account including at least an account identifier, a conversion rule, and a period of time; receiving, by a receiving device, an authorization request for a payment transaction, wherein the authorization request includes at least the account identifier, a transaction amount in a first currency, and a transaction time and/or date that is within the period of time; calculating, by a processing device, a new transaction amount in a second currency based on application of the conversion rule to the transaction amount in the first currency; updating, by the processing device, the authorization request to include the calculated new transaction amount in the second currency; and forwarding, by a transmitting device, the updated authorization request. | 10-15-2015 |
| 20150294401 | SYSTEMS AND METHODS FOR GENERATING ACTUAL PRICING DATA OF RENTAL PROPERTIES - A computer-implemented method for determining actual pricing data for rental properties is described. The method is implemented using a computing device having a processor communicatively coupled to a memory. The method includes receiving rental transaction data from a payment system, wherein the rental transaction data includes a plurality of payment transactions, generating a one or more rental data sets, where each rental data set includes a rent amount paid, a rental location identifier, a payor identifier, and a landlord identifier, generating a list of rental properties based on the rental location identifiers from the one or more rental data sets, determining the rent amounts paid for each rental property from the one or more rental data sets, and generating a rental report based on the list of rental properties and the determined rent amount paid for each rental property. | 10-15-2015 |
| 20150294335 | GEO-LEVEL CONSUMER PURCHASE PENETRATION DATA MART - A geographic level purchase penetration data mart provides a comprehensive platform to merge geographic level credit card transaction data with other databases including bureau data, demographic data social media data and economic data. Credit card transaction data sources are selectively linked with survey data sources and other external data sources to generate a data model for selected business applications. The platform facilitates access to a large data set of credit card transaction data, and provides linkage models based on one or more geographic levels and selected business purposes for modeling and influencing consumer behavior at a multi-dimensional and practical level. | 10-15-2015 |
| 20150294334 | MODELING PROCEDURE COMBINING PURCHASE TRANSACTION DATA WITH SURVEY AND DEMOGRAPHIC DATA - Credit card transaction data sources are selectively linked with survey data sources and other external data sources to generate a data model for selected business applications. Transaction data at a customer level or at a geographic level may be linked with the survey data source. A survey data source may be configured for linking with a transaction data source to generate a model for export to external or internal processes. The survey data source may include linkages with the external data sources and/or with other internal data sources. Linkage models based on the transaction data may be incorporated in a financial data product or fed to downstream processes. | 10-15-2015 |
| 20150294314 | SYSTEM AND METHOD OF PROVIDING MULTINATIONAL CARD PROGRAMS - A method for facilitating a transaction includes: storing card association data entries, each including at least a card association number (ICA), a country associated with the ICA, and a plurality of bank identification numbers (BINs) associated with the ICA; receiving a number request originating from a first country and identifying a second country; identifying a specific data entry where the included country corresponds to the second country; identifying a subset of BINs of the plurality associated with the ICA in the specific data entry; transmitting the identified subset of BINs; receiving an authorization request for a financial transaction originating from the second country and including at least a payment card number, the number being associated with a BIN included in the subset of BINs; processing the financial transaction as a local transaction and not a cross-border transaction; and transmitting an authorization response indicating approval or denial of the financial transaction. | 10-15-2015 |
| 20150294291 | SPLIT MESSAGE INITIATED PAYMENT SYSTEM, METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to split a payment card transaction into separate channels with a merchant bill message and cardholder payment message. | 10-15-2015 |
| 20150294289 | SYSTEM AND METHOD FOR ELECTRONICALLY PROVIDING RECEIPTS - Systems and methods are provided for facilitating the automatic transmission of an electronic receipt to a user conducting a financial transaction at a computing device. The systems and methods described herein enable a series of operations whereby a user can conduct a transaction at a computing device and the computing device can automatically read user-account information and one or more electronic contact addresses which are stored in the memory of the user's personal transaction device. The system can also process the transaction and automatically transmit an electronic receipt to the electronic contact address providing an automated transaction experience that does not require the user to actively input an electronic contact address into the computing device in order to have the receipt transmitted electronically. In addition, the system thereby facilitates private transaction as opposed the unsecured and time-consuming process of manually entering a contact address. | 10-15-2015 |
| 20150294287 | METHOD AND SYSTEM FOR IMPLEMENTING POINT OF SALE MOBILE CONVERSION KEY - A method for processing a contactless payment transaction using a traditional point of sale includes: coupling, to a point of sale device, a removable computing device; detecting, by the removable computing device, an external computing device; establishing, by the removable computing device, communication with the external computing device by a wireless communication protocol; receiving, by a receiver of the removable computing device, payment details associated with a payment account; formatting, by a processor of the removable computing device, the received payment details for inclusion in an authorization request for a payment transaction; and transmitting, by a transmitter of the removable computing device, the formatted payment details to the point of sale device. | 10-15-2015 |
| 20150288464 | METHODS AND APPARATUS FOR CONSUMER TESTING OF AN NFC DEVICE - Near-field communication (NFC) test apparatus and methods for use by a consumer to confirm the functionality of the NFC circuitry of his or her NFC-enabled mobile device, and/or to troubleshoot wireless (NFC) communications problems of the mobile device. In an embodiment, a method includes initializing, by a mobile device processor, a NFC test application, displaying on a mobile device display screen a prompt for the consumer to position the mobile device onto a test platform that includes at least one NFC tag, initializing the NFC circuitry of the mobile device to power and communicate with the at least one NFC tag, and displaying an indication on the mobile device display screen concerning functionality of the NFC circuitry. | 10-08-2015 |
| 20150287145 | ASSESSING MERCHANT AFFINITY - There is provided a method that includes (a) accessing a database that contains records of payment card transactions, (b) filtering the records based on a filtering criterion and a period of time, thus yielding filtered transactions that occurred during the period of time, (c) identifying from the filtered transactions, customers of a first merchant, (d) identifying from the filtered transactions, a second merchant with which the customers engaged in transactions, and (e) calculating, from the filtered transactions, an index that indicates an affinity between the first merchant and the second merchant. There is also provided a system that employs the method, and a storage device that contains instructions for controlling a processor to perform the method. | 10-08-2015 |
| 20150287067 | SYSTEMS AND METHODS FOR CONNECTING MERCHANT LOYALTY PROGRAMS WITH PAYMENT CARDS - A computer-based method for providing a loyalty identifier to a merchant using a payment network is described. The method includes storing data including at least one loyalty identifier associated with a cardholder enrolled in a loyalty program and a corresponding payment card identifier, receiving a first authorization request message for a payment transaction initiated by a first cardholder using a first payment card at an originating merchant, the first authorization request message including a first merchant identifier and a first payment card identifier, determining a first loyalty program associated with the originating merchant based in part on the first merchant identifier and the data stored in the memory, determining a first loyalty identifier associated with the first cardholder for the first loyalty program based in part on the first payment card identifier and the data stored in the memory, and providing the first loyalty identifier to the originating merchant. | 10-08-2015 |
| 20150287064 | SYSTEMS AND METHODS FOR DETERMINING TRAVEL PATHS BASED ON CARDHOLDER TRANSACTIONS - A computer-implemented method for generating travel paths based on cardholder transactions is provided. The method uses a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions from a plurality of cardholders, calculating by the computing device a plurality of modeled paths based on the plurality of payment transactions where each modeled path of the plurality of modeled paths identifies a series of two or more locations where a payment transaction was initiated by a specific cardholder during a specific period of time, and displaying by the computing device a selected subset of the plurality of modeled paths. | 10-08-2015 |
| 20150287033 | METHODS AND SYSTEMS FOR TESTING SUCCESS OF REMOTE PERSONALIZATION - Systems, apparatus and methods for cost effectively and accurately testing the validity and/or success of an over-the-air (OTA) personalization of a payment-enabled mobile device. In an embodiment, a process includes transmitting, by a mobile device processor to an issuer financial institution (FI) computer, a request for a unique number, receiving the unique number, generating a cryptogram based on the unique number, and transmitting the cryptogram and a zero value purchase amount transaction request to the issuer FI computer. The process also includes receiving, by the mobile device processor, a zero value transaction authorization message from the issuer FI computer which indicates that the payment application successfully loaded and is functional. In some embodiments, a payment application load success message is then displayed on a display component of the payment-enabled mobile device. | 10-08-2015 |
| 20150287032 | METHODS AND SYSTEMS FOR CONNECTING MULTIPLE MERCHANTS TO AN INTERACTIVE ELEMENT IN A WEB PAGE - A method for redirecting a user apparatus to a merchant web page includes: transmitting web page data corresponding to a web page to be displayed on a user apparatus, the web page includes at least one interactive element; receiving an indication of a user interaction with an interactive element; storing, a plurality of merchant data entries, each entry including a merchant web page, an indication of interest, and an associated interactive element; identifying, a subset of the plurality of data entries, wherein each entry in the subset is associated with the interactive element; identifying, in the subset, a single entry based on the indication of interest of each entry in the subset; and transmitting redirecting data to redirect the user apparatus to the merchant web page associated with the single entry. | 10-08-2015 |
| 20150278952 | LEVERAGING SPEND BEHAVIOR TO CREATE EQUITY PORTFOLIOS - A method and/or system is provided that includes retrieving from one or more databases a first set of information with the first set of information having payment card transaction sales data associated with each of a plurality of merchants; and retrieving from one or more data bases a second set of information with the second set of information having securities market data associated with each of the plurality of merchants. The method further includes generating one or more groupings of merchants based on the first set of information and the second set of information; ranking each of the merchants, relative to the other merchants, in the one or more groupings into a hierarchy based on selection criteria; identifying a predetermined number of merchants ranked at different levels of the hierarchy in the one or more groupings; selecting the identified merchants from the one or more groupings; and combining the selected merchants into an index. | 10-01-2015 |
| 20150278854 | METHOD AND SYSTEM FOR TARGETING ONLINE ADVERTISEMENTS - An electronic message containing reservation data is received. The reservation data of the electronic message is parsed with a computer processor to identify a planned future travel activity of a customer. An identifier associated with the customer and at least one attribute of the planned future travel activity are stored at a computer database. A request is received for an advertisement to be displayed to the customer. One or more of the attributes are retrieved from the database. An advertisement targeted to the customer is selected based on the retrieved attribute(s). | 10-01-2015 |
| 20150277964 | SYSTEMS AND METHODS FOR THROTTLING TRANSACTION PROCESSING BASED ON CONSTRAINED SUB-SYSTEMS - A computer-based method for throttling payment card transaction processing is provided. The method uses a computer device including a processor and a memory. The method includes identifying, in the memory, a first threshold level. The method also includes transmitting a first plurality of transaction requests to a sub-processing system. The method further includes computing, by the processor, an average response time of the sub-processing system for processing the first plurality of transaction requests. The method also includes receiving a second plurality of transaction requests. The method further includes identifying one or more of the second plurality of transaction requests as failure candidates based at least in part on the average response time and the first threshold level. The method also includes failing one or more of the failure candidates. | 10-01-2015 |
| 20150269701 | SYSTEMS AND METHODS FOR IDENTITY VALIDATION AND VERIFICATION - According to some embodiments, a system and a method of transmitting identity verification information to a merchant include receiving an account identifier from a user in response to the user interacting with a merchant. The user is authenticated based on the account identifier and identity verification information is transmitted to the merchant. | 09-24-2015 |
| 20150269667 | METHOD AND SYSTEM FOR CONSUMER BEHAVIOR MODELING BASED ON INSTALLMENT PAYMENTS - A method for predicting consumer behavior includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to one or more consumers including at least consumer data and a profile identifier; receiving, by a receiving device, an authorization request or clearing record for a payment transaction, wherein the authorization request or clearing record includes at least an indication of the payment transaction as an installment transaction, transaction data, a specific profile identifier, a repayment length, and an installment amount; identifying a specific consumer profile where the included profile identifier corresponds to the specific profile identifier; and transmitting, by a transmitting device, an indication of a propensity to have available funding based on the repayment length, wherein the indication includes at least the consumer data included in the identified specific consumer profile and the installment amount included in the received authorization request or clearing record. | 09-24-2015 |
| 20150269567 | METHODS AND SYSTEMS FOR IMPROVING PAYMENT CARD ACCEPTANCE QUALITY - A system and method for resolving an acceptance issue on a payment network are provided. The method includes receiving a notification message of an acceptance issue. The acceptance issue relates to an attempt by a cardholder to complete a transaction using a payment card over the payment network that is rejected. The method also includes classifying, by a computer device, the acceptance issue based on at least one of the notification message and results data of a first investigation, determining a remediation of the acceptance issue based on the classification and/or results data of a second investigation, and tracking, by the computer device, the acceptance issue, the classification, and the remediation using a single database. The method further includes implementing the determined remediation, and determining, by the computer device, at least one of a financial impact and a customer quality impact of the acceptance issue. | 09-24-2015 |
| 20150269555 | SYSTEMS AND METHODS FOR USING GESTURES IN FINANCIAL TRANSACTIONS ON MOBILE DEVICES - A computer-implemented method for providing cardholder account information in response to gestures at a mobile computing device to facilitate a payment transaction is implemented by a mobile computing device coupled to a memory. The method includes receiving a first haptic gesture associated with a financial transaction, providing a plurality of payment method options retrieved from a data repository based upon the first haptic gesture, receiving a second haptic gesture comprising a payment method selection selected from the plurality of payment method options, and providing a plurality of cardholder account information for the financial transaction, the plurality of cardholder account information provided based at least in part on the payment method selection. | 09-24-2015 |
| 20150269346 | MINING TRANSACTION DATA FOR HEALTHINESS INDEX - A database of payment card transaction data and a database of merchant data are accessed. Per-capita spending for at least two categories of merchants with transaction data in the database is determined for at least one payment card account for a predetermined time period. Patronizing one category of merchants is associated with good cardholder health, while patronizing the second category of merchants is associated with bad cardholder health. An overall healthiness index score is determined for the at least one payment card account for the predetermined time period, based on comparison of the determined per-capita spending at the categories of merchants to respective baseline values. | 09-24-2015 |
| 20150264064 | METHOD AND SYSTEM FOR FILTERING SPAM MESSAGES ON PURCHASE PREFERENCES - A method for unblocking spam email messages includes: storing, in an email database, a plurality of email data entries, wherein each email data entry includes data related to an email message including at least message data, content data, and an indication of spam; receiving, by a receiving device, consumer data associated with one or more consumers, wherein the consumer data is based on transaction data for one or more payment transactions involving the associated one or more consumers; identifying, in the email database, one or more email data entries where the included content data corresponds to the received consumer data; and transmitting, by a transmitting device, at least the message data included in each of the identified one or more email data entries. | 09-17-2015 |
| 20150262310 | MERCHANT AGGREGATION THROUGH ACCOUNT ENTRY - Electronic transactions involving a subject merchant location are identified with a test transaction of a predetermined known amount, on a predetermined date, drawn upon a known account number. In the case of merchants having multiple transaction terminals in a given location, the process can be repeated for each transaction terminal. Once the test transaction is identified in either the clearing or authorization records, the merchant data string that make up the test transaction message can then be used to identify all transactions from each terminal of that merchant location. Accordingly, that merchant location's transactions are thereafter positively identifiable for any purpose. | 09-17-2015 |
| 20150262226 | METHOD AND SYSTEM FOR IDENTIFYING FRAUDULENT AND UNCONVERTED CLICKS IN WEB ADVERTISEMENTS - A method for identifying fraudulent clicks includes: storing a plurality of click data entries, each entry including data related to a consumer click of an electronic advertisement including a device identifier of a plurality of device identifiers; receiving a plurality of clearing indications, wherein each clearing indication is associated with a device identifier of the plurality of device identifiers and indicates non-existence of a clearing record for a payment transaction associated with a computing device associated with the respective device identifier; identifying a subset of the plurality of click data entries wherein each click data entry of the subset includes a device identifier associated with a clearing indication of the received plurality of clearing indications; and indicating, in the click database, each click data entry of the identified subset of the plurality of click data entries as being a fraudulent consumer click of the related electronic advertisement. | 09-17-2015 |
| 20150262222 | METHOD AND SYSTEM FOR CALCULATING ADVERTISEMENT CONVERSION RATES - A method for calculating a click conversion rate includes: storing a plurality of click data entries, each entry including data related to an electronic advertisement including a number of clicks and a consumer identifier associated with a plurality of consumers that have clicked on the related advertisement; receiving a plurality of transaction data entries, each entry including data related to a payment transaction including common merchant data and a common consumer identifier; identifying a specific click data entry where the consumer identifier corresponds to the common consumer identifier and the related advertisement corresponds to the common merchant data; and calculating a conversion rate for the advertisement related to the specific click data entry based on the included number of clicks and a number of the plurality of transaction data entries. | 09-17-2015 |
| 20150262211 | METHOD AND SYSTEM FOR PROVIDING A REWARD BASED ON A PRICE DIFFERENTIAL FOR A PRODUCT - A computer-implemented method for providing a reward based on a price differential for a product is described. The method is implemented using a computing device in communication with one or more memory devices. The method includes receiving, by the computing device, a reward determination request message including an identification of a first merchant and product data for a product purchased by a cardholder from the first merchant. The method also includes determining a location of the first merchant, determining, using the one or more memory devices, the price differential between a first price for the product from the first merchant and at least a second price for the product from at least a second merchant within a predetermined geographic distance of the first merchant, and applying a reward to a cardholder account associated with the cardholder, wherein the reward is based on the price differential. | 09-17-2015 |
| 20150262161 | VIRTUAL CARD NUMBER TRANSACTION RECORD - Disclosed herein is a method for performing a transaction by a mobile device | 09-17-2015 |
| 20150254668 | METHOD AND SYSTEM FOR SECURE CONSUMER IDENTIFICATION - Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction. | 09-10-2015 |
| 20150242876 | METHOD AND SYSTEM FOR PROVIDING AN INVESTMENT FUND FOR CONSUMER REWARDS - A method for investing consumer loyalty rewards includes: storing, in a rules database, one or more conversion rules, wherein each of the one or more conversion rules includes at least an account identifier and a conversion rate; receiving, by a receiving device, an investment request, wherein the investment request includes at least a specific account identifier and a reward amount; identifying, in the rules database, a specific conversion rule where the included account identifier corresponds to the specific account identifier; calculating, by a processing device, a monetary value based on application of the conversion rate included in the specific conversion rule to the reward amount included in the received investment request; and transmitting, by a transmitting device, an investment request, wherein the investment request includes at least the calculated monetary value and requests investment of the calculated monetary value in one or more investment accounts. | 08-27-2015 |
| 20150242869 | METHOD AND SYSTEM FOR LINKING TRANSACTION DATA WITH EVENTS - A method for performing analytics processing in order to determine economic impact of an event on a particular market includes: receiving event information from an event storage unit, the event information including event data associated with an event and a venue in which the associated event occurred; receiving payment transaction information from a transaction storage unit, the payment transaction information including transaction data associated with each of a plurality of payment transactions; identifying a particular event and a particular venue associated with event data included in the received event information; identifying transaction data for payment transactions that occurred within a particular time frame of the particular event and within a specified area of a location of the selected event from the received payment transaction information; and determining an economic impact of the particular event on a particular market based on the identified transaction data. | 08-27-2015 |
| 20150242847 | METHOD AND SYSTEM FOR CONVERTING ASYNCHRONOUS TO SYNCHRONOUS TRANSACTIONS - A method for compiling asynchronous transactions includes: receiving, by a receiving device, a first asynchronous message, wherein the first asynchronous message includes at least transaction data and a destination; receiving, during a predetermined period of time, one or more additional asynchronous messages, wherein each of the one or more additional asynchronous messages includes at least transaction data; identifying, by a processing device, a resolved set of data based on at least the transaction data included in the first asynchronous message and the transaction data included in each of the one or more additional asynchronous messages; generating, by the processing device, a compiled message, wherein the compiled message includes at least the identified resolved set of data; and transmitting, by a transmitting device, the generated compiled message to the destination. | 08-27-2015 |
| 20150242846 | SYSTEMS AND METHODS FOR PREDICTING A MERCHANT'S CHANGE OF ACQUIRER - According to some embodiments, an acquiring party prediction platform may receive transaction information about a plurality of transactions associated with a merchant, and different transactions may be associated with different acquiring parties. The transaction information may be analyzed to generate a prediction that a particular acquiring party may be associated with a transaction volume below a threshold volume in the future. An indication associated with the prediction may then be transmitted. | 08-27-2015 |
| 20150242832 | SYSTEM AND METHOD FOR RECOVERING REFUNDABLE TAXES - A method for processing a payment transaction relating to a purchase and refunding a tax paid on the purchase comprises: receiving data relating to a payment transaction associated with an electronic payment card; storing said data in a payment transaction record in a data store; analysing the payment transaction record to determine whether the payment transaction is eligible for a tax refund; determining a tax refund value relating to the payment transaction; and coordinating between an issuer associated with the payment card and a tax authority in order to credit an account associated with the electronic payment card with the tax refund value. The invention thereby provides a scheme by which an overseas cardholder can be provided with a refund of the tax paid on eligible purchases in a manner that is user-friendly and transparent to the cardholder. | 08-27-2015 |
| 20150242748 | METHOD AND SYSTEM FOR PREDICTING FUTURE POLITICAL EVENTS USING PAYMENT TRANSACTION DATA - A method for predicting the occurrence of a future political event includes: storing a plurality of event data entries, each entry including data related to a past political event including at least an event category associated with the related political event and one or more past transaction behaviors; storing a plurality of transaction data entries, each entry including data related to a payment transaction conducted in a predetermined geographic area including at least transaction data; identifying one or more current transaction behaviors based on the transaction data included in each transaction data entry; identifying a specific event data entry based on a correspondence between the identified one or more current transaction behaviors and the one or more past transaction behaviors included in the specific event data entry; and predicting an event associated with the event category included in the specific event data entry in the predetermined geographic area. | 08-27-2015 |
| 20150235321 | INSURANCE RISK MODELING METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable insurance-related risk behavior modeling of individuals based on their payment card purchases. | 08-20-2015 |
| 20150235309 | BUSINESS SERVICES PLATFORM SOLUTIONS FOR SMALL AND MEDIUM ENTERPRISES - Methods and systems for providing business services solutions for small and medium enterprises (SMEs) owned by merchants in developed markets and in developing markets. In some embodiments, a merchant enrolls with a merchant issuer financial institution (FI) and then receives an SME financial account, a suite of shared SME business service applications, and access to a payment card acceptance service for use in setting up and scaling their business. In an implementation, the process includes receiving a request for an SME business platform, validating merchant identification data, providing an SME financial account to the merchant, transmitting an SME business platform acceptance message, and transmitting an SME business platform to the merchant device. The SME business platform includes a payment card account acceptance application and at least one business services application configured for running on the merchant device. | 08-20-2015 |
| 20150235217 | PHOTOS TO DETECT FRAUD AT POINT OF SALE METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to use cardholder photos captured at the time of purchase as a factor in fraud determination. Baseline cardholder photos may be submitted directly or via a social network. | 08-20-2015 |
| 20150227937 | RANDOM BIOMETRIC AUTHENTICATION METHOD AND APPARATUS - A system, apparatus, and computer-readable storage medium configured to authenticate users using biometric data from randomly selected digits. | 08-13-2015 |
| 20150227934 | METHOD AND SYSTEM FOR DETERMINING AND ASSESSING GEOLOCATION PROXIMITY - A method and a system directed to location-based services within a wireless telecommunications or data communications network, and more particularly to other technical fields such as technologies used to authenticate secure payment card transactions, technologies to verify and validate payment card user identities, and for use with any application where the results of comparing two or more geographic locations has some utility or value. The method includes receiving information from a transaction device involving a payment card holder initiating a payment card transaction; identifying a location of the transaction device; identifying a location of a mobile device associated with the payment card holder; comparing the location of the transaction device with the location of the mobile device to determine a relative degree of proximity of the transaction device with the mobile device; and assessing the determined relative degree of proximity to determine whether the payment card transaction is valid or invalid. | 08-13-2015 |
| 20150220983 | Systems and Methods of Determining Predictors Based on Transaction Data and Social Network Data - Disclosed are exemplary embodiments of systems and methods for processing data associated with a purchasing entity. In an exemplary embodiment, a method generally includes accessing transaction data including a plurality of payment card events, each of the plurality of payment card events occurring within a time interval and being associated with the purchasing entity. The method further includes accessing social network data based on a parameter of the purchasing entity, linking the transaction data and the social network data based on the purchasing entity, determining a predictor based on both the transaction data and the social network data, the predictor indicative of a possible future transaction by the purchasing entity and transmitting, to at least one of the purchasing entity and a merchant, the predictor and/or an offer associated with the predictor. | 08-06-2015 |
| 20150220957 | METHOD AND SYSTEM FOR PAYMENT CARD LINKED OFFER GENERATION - A method for discounting a payment transaction include: storing, in a memory, transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving, by a receiving device, payment data associated with a payment account, wherein the payment data includes at least a payment account number; receiving, by the receiving device, offer data, wherein the offer data includes an offer identifier associated with the payment account and a transaction modifier; encrypting, using a predetermined encryption key, at least a portion of the payment account number to obtain an encrypted account number; and updating, in the memory, the transaction amount included in the transaction data based on the transaction modifier if the encrypted account number corresponds to the offer identifier. | 08-06-2015 |
| 20150220945 | SYSTEMS AND METHODS FOR DEVELOPING JOINT PREDICTIVE SCORES BETWEEN NON-PAYMENT SYSTEM MERCHANTS AND PAYMENT SYSTEMS THROUGH INFERRED MATCH MODELING SYSTEM AND METHODS - A method includes receiving a first data set and a second data set. The first data set may include anonymized transaction data that represents purchase transactions made by customers of a merchant. The second data set may include anonymized transaction data that represents purchase transactions made by cardholders in a payment network. The method further includes filtering the second data set to remove therefrom data relating to cardholders who are not customers of the merchant, and processing the first data set and the filtered second data set using a probabilistic engine to establish linkages between data in the first data set and data in the filtered second data set. The method may also include performing a predictive analysis based on one or more independent variables from the second data set and with a dependent variable represented in the first data set. | 08-06-2015 |
| 20150220937 | SYSTEMS AND METHODS FOR APPENDING PAYMENT NETWORK DATA TO NON-PAYMENT NETWORK TRANSACTION BASED DATASETS THROUGH INFERRED MATCH MODELING - A method includes receiving a first data set and a second data set. The first data set may include anonymized transaction data that represents purchase transactions made by customers of a merchant. The second data set may include anonymized transaction data that represents purchase transactions made by cardholders in a payment network. The method further includes filtering the second data set to remove therefrom data relating to cardholders who are not customers of the merchant, and processing the first data set and the filtered second data set using a probabilistic engine to establish linkages between data in the first data set and data in the filtered second data set. The method may also include analyzing data in the filtered second data set to generate one or more of shopping habits data, classification data and attribute data with respect to customers of the merchant. | 08-06-2015 |
| 20150220934 | METHODS AND APPARATUS FOR REGISTERING PRODUCTS WITH MANUFACTURERS AT POINT OF SALE - A method includes reading purchased-item information by a point-of-sale (POS) device from a purchased item presented to the POS device. The method further includes determining by the POS device that the purchased item is eligible for warranty registration, and reading a payment card by the POS device. The method also includes querying a customer by the POS device as to whether the customer wishes to trigger warranty registration for the purchased item, and receiving by the POS device an indication from the customer to trigger warranty registration for the purchased item. In addition, the method includes sending by the POS device a message to a customer profile server to trigger warranty registration of the purchased item. | 08-06-2015 |
| 20150220920 | METHOD AND SYSTEM FOR OPTIMIZING FORCE POSTED PAYMENTS - A method for force posting clearing transactions includes: storing, in a memory, a chargeback ratio associated with a merchant and a chargeback threshold; receiving, by a receiving device, a plurality of declined authorization requests, wherein each declined authorization request is associated with a payment transaction involving the merchant; identify, for each of the received declined authorization requests, a fraud or chargeback score, wherein the fraud or chargeback score represents a likelihood of the associated payment transaction being fraudulent or charged back; identifying, by a processing device, a subset of declined authorization requests where each declined authorization request included in the subset is based on the respective identified fraud or chargeback score, wherein a number of declined authorization requests in the subset is based on a correspondence between the chargeback ratio and the chargeback threshold; and submitting a clearing record for each declined authorization request in the identified subset. | 08-06-2015 |
| 20150213520 | SYSTEMS AND METHODS PROVIDING ASSET CONFORMATION AND/OR VALUATION FOR A CUSTOMER MAKING A PURCHASE - According to some embodiments, an asset confirmation platform may receive transaction information about a purchase being made by a customer from a merchant. Responsive to the received transaction information, the asset confirmation platform may automatically determine a monetary value of at least one asset owned by the customer. The asset might be associated with, for example, stocks owned by the customer in a trading account. An indication associated with the monetary value of the asset may then be transmitted. | 07-30-2015 |
| 20150213478 | METHOD AND SYSTEM FOR ALLOWING TIME-BASED, INCREMENTAL POINT ACCELERATION - A method for awarding time-based incremental rewards for a payment transaction includes: storing a reward rule, wherein the reward rule includes at least a base amount, an increase amount, and a predetermined period of time; storing a first transaction data entry, wherein the first transaction data entry includes data related to a completed transaction including at least a transaction time and/or date; receiving, by a receiving device, transaction data for a payment transaction, wherein the transaction data includes at least a time and/or date; and identifying, by a processing device, a reward amount for the payment transaction if the time and/or date included in the received transaction data is within the predetermined period of time of the transaction time and/or date included in the first transaction data entry, wherein the reward amount is based on at least the base amount and increase amount included in the reward rule. | 07-30-2015 |
| 20150213474 | APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR TRANSIT POOLING USING PAYMENT CARD DATA - Using payment card transaction data, residence locations are estimated for a plurality of payment card holders and recurrent destinations are estimated for at least a first portion of the plurality of payment card holders. A plurality of pooled transit pick-up points are identified in a geographic region of interest. Each of at least a second portion of the payment card holders are assigned to at least one of the pooled transit pick-up points. At least some of the payment card holders assigned to at least one of the pick-up points are identified as potential riders of a pooled transit service | 07-30-2015 |
| 20150213464 | SYSTEMS AND METHODS FOR DETERMINING AND ANALYZING CHARACTERISTICS OF DEVICES USED IN PAYMENT TRANSACTIONS - A device profiling computer system for determining and analyzing characteristics of devices used in payment transactions includes a processor, a device profiling database in communication with the processor, and a memory coupled to the processor. The device profiling computer system is configured to receive a set of first transaction data associated with a first transaction initiated by a cardholder at an online merchant wherein the cardholder initiates the first transaction using a cardholder computing device and wherein the set of first transaction data includes a set of first device characteristic data related to the cardholder computing device, analyze the set of first transaction data to determine a set of device characteristics, and update a device record stored in a device profiling database with the set of first transaction data wherein the device record is associated with the set of device characteristics. | 07-30-2015 |
| 20150213419 | METHOD AND SYSTEM FOR FACILITATING MICROPAYMENTS IN A FINANCIAL TRANSACTION SYSTEM - A system for processing accounts includes a database configured to store a plurality of accounts, the accounts including a consumer account associated with a consumer and a plurality of merchant accounts including a transacting merchant account associated with a merchant, wherein at least one account includes an amount of a virtual currency associated with the account. The system further includes a processor configured to process a financial transaction, wherein the transaction includes the consumer and the merchant, is for a specified amount of virtual currency, and processing the transaction includes transferring the specified amount of virtual currency from the consumer account to the transacting merchant account. The processor is further configured to process the at least one account, wherein processing the at least one account includes converting the associated amount of virtual currency to or from a real currency when the at least one account meets a predetermined criteria. | 07-30-2015 |
| 20150206416 | PAYMENT CARD LOCATION METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to track the location of lost payment cards. | 07-23-2015 |
| 20150206251 | Method and system for Virtual Account Number-Based Travel Expense Controls and Accounting - A method for providing enhanced control of travel purchases includes: storing rule data entries, each entry including data related to an employer rule including a rule identifier and at least one data requirement; receiving a payment number request including a specific rule identifier, payment amount, and data fields; identifying a specific rule data entry where the rule identifier corresponds to the specific rule identifier; identifying a controlled payment number configured for use for a single payment transaction if data included in the data fields satisfies the at least one data requirement included in the specific rule data entry; transmitting the identified controlled payment number; storing a transaction record including the identified controlled payment number and data fields; receiving purchase data corresponding to a purchase made using the identified controlled payment number, the purchase data including the controlled payment number; and associating the stored transaction record with the received purchase data. | 07-23-2015 |
| 20150206153 | METHOD AND SYSTEM FOR INDEXING CONSUMER SENTIMENT OF A MERCHANT - A method and a system are provided for indexing consumer sentiment of a merchant. The method includes retrieving from one or more databases a first set of information comprising categorization of merchants, and retrieving from one or more databases a second set of information comprising social media information indicative of consumer sentiment of a merchant for a defined time period. The method further includes generating one or more indices based on the first set of information and the second set of information, and assessing consumer sentiment of a merchant, based on the one or more indices. The systems and methods are provided for determining consumer sentiment trending for a merchant relative to its industry. The systems and methods determine how consumers feel about a merchant relative to the merchant's industry by indexing. The indices can be trended over time. | 07-23-2015 |
| 20150206136 | MOBILE SECURE ELEMENT BASED SHARED CARDHOLDER VERIFICATION - In a payment-enabled smartphone, a shared cardholder verification method (CVM) applet serves a number of mobile payment cardlets. The shared CVM applet validates CVM information input by a user of the smartphone and in response issues a CVM token. The CVM token is passed to a particular one of the mobile payment cardlets that is selected for a current transaction. The selected mobile payment cardlet submits the CVM token back to the shared CVM applet for verification. Upon verifying the CVM token, the shared CVM applet enables the selected mobile payment cardlet to perform the current transaction. | 07-23-2015 |
| 20150206131 | SYSTEM AND METHOD FOR ADAPTIVE RESPONSE PROTOCOL - A method includes receiving a request for a response, where the request has a defined response deadline. The method further includes determining whether optimal response information is available prior to the defined response deadline. Based on a result of such determination, non-optimal information is sent prior to the defined response deadline in response to the request. Thereafter, the optimal response information is sent asynchronously. | 07-23-2015 |
| 20150199716 | METHOD AND SYSTEM FOR REAL TIME TARGETED ADVERTISING IN A RETAIL ENVIRONMENT - A method and a system for real time targeted advertising using purchase transaction data and payment card holder activity and location information in a retail environment. The system comprises one or more databases configured to store a first set of information comprising payment card holder information including at least purchasing and payment activities attributable to the payment card holder, a second set of information comprising payment card holder activity and location in a retail environment, and a third set of information comprising merchant advertising information. The system further comprises a processor configured to generate predictive behavioral models based at least in part on the first set of information and the second set of information, associate the predictive behavioral models with the third set of information, and convey the associated information to a merchant to enable the merchant to make targeted offers to the payment card holder. | 07-16-2015 |
| 20150199701 | METHOD AND SYSTEM FOR TIME-BASED PROMOTIONAL POINT DECAY - A method for calculating a consumer reward includes: storing, in a promotion database, a promotion profile, wherein the promotion profile includes data related to a consumer promotion including at least a start time and/or date, an end time and/or date, a starting point value, and a rate of decay; receiving, by a receiving device, transaction data for a payment transaction, wherein the transaction data includes at least a transaction time and/or date; identifying, by a processing device, an elapsed time corresponding to time elapsed from the start time and/or date included in the promotion profile to the transaction time and/or date included in the received transaction data; and identifying, by the processing device, a reward point amount based on at least the identified elapsed time and the starting point value and the rate of decay included in the promotion profile. | 07-16-2015 |
| 20150199664 | METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR FACILITATING ACCESS TO TRANSPORTATION SERVICES - Methods, systems, and computer readable media for facilitating access to transportation services are provided. One system includes an application configured to execute on a computing device. The application is configured to determine information about a route being traveled or to be traveled by a user. The application is configured to identify a transportation service associated with the route and an authority associated with the transportation service. The application is configured to obtain authorization from the authority for access to the transportation service. A server is configured to communicate with the application and with the authority to facilitate the obtaining of the authorization to access the transportation service. | 07-16-2015 |
| 20150198446 | ATM AND CARD ACCEPTANCE LOCATIONS USING AUGMENTED REALITY METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to locate an automated teller machine (ATM) or indicate payment card acceptance by a vendor using augmented reality. | 07-16-2015 |
| 20150196845 | METHOD AND SYSTEM FOR PROVIDING SOCIAL GAME USE WITH FINANCIAL CARD TRANSACTIONS - A method for scoring a payment transaction includes: storing consumer profiles, each consumer profile including a consumer identifier, contact information, and team identifier; storing merchant profiles, each merchant profile including a merchant identifier and plurality of team scores; receiving an authorization request for a payment transaction, the request including a consumer identification, merchant identification, and transaction data; identifying a specific consumer profile where the included consumer identifier corresponds to the consumer identification; identifying a specific merchant profile where the included merchant identifier corresponds to the merchant identification; identifying a transaction score for the transaction using one or more scoring rules based on the transaction data; updating, in the specific merchant profile, a team score corresponding to the team identifier included in the specific consumer profile based on the transaction score; and transmitting a notification to a consumer related to the specific consumer profile based on the included contact information. | 07-16-2015 |
| 20150193790 | VIRTUAL PANEL CREATION METHOD AND APPARATUS - A system, method, and computer readable storage medium configured to use a selected set of financial accounts to create a virtual panel which measures behavior from a sample of consumers that is representative of the overall consumer population across key geographic, demographic, and behavior dimensions in an in-memory modeling environment. | 07-09-2015 |
| 20150193789 | METHOD AND SYSTEM FOR PERSONALIZED NEWS RECOMMENDATIONS BASED ON PURCHASE BEHAVIOR - A method for identifying news interest levels includes: storing a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving a consumer of a plurality of consumers including transaction data and a consumer identifier associated with the involved consumer; storing a plurality of interest scoring rules, each interest scoring rule associated with at least one news category; identifying a subset of transaction data entries where each entry in the subset includes a common consumer identifier associated with a specific consumer; identifying a plurality of news interest levels based on an application of the plurality of interest scoring rules to the transaction data included in the transaction data entries of the subset of transaction data entries; and transmitting the identified plurality of news interest levels for use in identifying news-related content for distribution to a consumer associated with the common consumer identifier. | 07-09-2015 |
| 20150186990 | METHODS AND SYSTEMS FOR MANAGING CONSUMER SAVINGS WITH CREDIT CARD TRANSACTIONS - In one aspect, a computer-implemented method for managing consumer savings initiated from a payment card transaction is included. The payment card transaction involves a cardholder and a payment card of the cardholder. The method uses a computer device in communication with an issuing bank. The computer device includes a memory. The method includes receiving, by the computer device, transaction data associated with the payment card transaction. The transaction data separately identifies a payment amount and a savings amount. The savings amount is an amount the cardholder selects to save. The method also includes identifying, by the computer device, a savings account number associated with the cardholder. The method further includes transmitting the savings amount and the savings account number to the issuing bank for recording as a savings accrual for the cardholder. The issuing bank is the issuer of the payment card. | 07-02-2015 |
| 20150186909 | METHOD AND SYSTEM FOR CONSUMER TRACKING USING GEOLOCATION - A method for calculating consumer metrics includes: storing a plurality of transaction data entries, each entry including a transaction time and transaction geographic location associated with a transaction involving a consumer; receiving a plurality of location data entries, each entry including a consumer geographic location and a location time at which the consumer was at the location; identifying a first subset of location data entries, each entry in the first subset corresponding to a transaction data entry where the times and geographic locations correspond; identifying a second subset of location data entries, wherein the second subset includes each location data entry not in the first subset; calculating a consumer metric based on the location data entries and transaction data entries in the first subset and the location data entries in the second subset; and associating the calculated consumer metric with a consumer profile associated with the consumer. | 07-02-2015 |
| 20150186908 | METHOD AND SYSTEM FOR ACCELERATING PAYMENT CARD USAGE BEHAVIOR CHANGE - A method and a system for accelerating payment card usage behavior change of a payment card user are provided. The method includes identifying a number of merchant categories associated with payment card usage by a payment card user, and associating payment card usage by the payment card user with an increasing number of merchant categories. The method identifies the natural migration of a consumer across the stages, which is linked to the number of merchant categories they feel comfortable using the payment card. By understanding how a consumer migrates across the stages, the merchant categories that accelerate behavior change can be identified. This accelerate behavior change five stage framework and many of the insights about attitudinal differences between the stages can be applied to markets (e.g., mature, advanced and emerging), and particularly that the number of merchant categories in which a consumer feels comfortable using his/her payment card is an important driver of debit usage. | 07-02-2015 |
| 20150186831 | Systems and Methods for Managing Check-in Communications - Systems, methods and devices for use in managing check-in communications are disclosed. One exemplary method generally includes receiving a notification request associated with a trigger event, where the notification request is indicative of multiple participants associated with the trigger event, and identifying the multiple participants. The method also generally includes, for each of the identified participants, sending a check-in communication to the participant and generating a warning event when the check-in communication is acknowledged by the participant and the acknowledgment includes a negative condition. | 07-02-2015 |
| 20150186802 | Systems and Methods for Managing Travel - Systems, methods and devices for use in managing travel are disclosed. One exemplary method includes assigning a risk value to a request for travel to a destination during a travel period and compiling a travel plan based on the assigned risk value, the travel plan defining a first predetermined check-in time. The exemplary methods further includes sending a first check-in communication, via a network interface, to a traveler at the first predetermined check-in time, designating the first check-in communication completed, when the first check-in communication is acknowledged by the traveler within a time interval of the first predetermined check-in time, and generating a warning event, when the first check-in communication is not acknowledged by the traveler within the time interval after the first predetermined check-in time. | 07-02-2015 |
| 20150178739 | SYSTEMS AND METHODS FOR PASSIVELY DETERMINING A RATIO OF PURCHASERS AND PROSEPECTIVE PURCHASERS IN A MERCHANT LOCATION - A method and system for determining a status of a visitor to a physical location and associated with a handheld device using a computer device coupled to a database are provided. The method includes receiving, by the processor, a hello message from a radio associated with one or more handheld devices, capturing a unique identifier of the handheld device from the received hello message, determining visitor geographic information based on the captured unique identifier and a determined signal strength of the hello message, and outputting the visitor information. | 06-25-2015 |
| 20150178713 | METHOD AND SYSTEM OF PROVIDING FINANCIAL TRANSACTION CARD RELATED MOBILE APPS - An application providing method including: storing, at a memory of a cloud-based computing resource, at least two web-based applications; allowing a computing device of a user, after the user has gained access to a website of a financial institution of which the user has an account, to access the application offering page identifying the at least two web-based applications that are stored on the cloud-based computing resource; receiving, in the cloud-based computing resource, a selection of an application from the application offering page; transmitting, from the cloud-based computing resource to the computing device, data that allows the selected application to be displayed on the computing device, the selected application being stored on the cloud-based computing resource; and transmitting, from the cloud-based computing resource to the computing device, data that allows data pertaining to the user that was previously stored by the financial institution to be displayed on the computing device. | 06-25-2015 |
| 20150161743 | SYSTEM AND METHOD FOR AUTOMATICALLY CLASSIFYING TRANSACTION INFORMATION - According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. A code book may be accessed containing a plurality of payment codes and, for each payment code, logic defining when that payment code is applicable to a payment. The retrieved transaction information may then be analyzed to automatically determine which payment codes are associated with each payment. The automatically determined coded transaction information may then be output. | 06-11-2015 |
| 20150161742 | AUTOMATIC DETERMINATION OF VEHICLE INFORMATION BASED ON TRANSACTION INFORMATION - According to some embodiments, transaction information associated with payments made via a payment account (e.g., a credit card account) associated with an account owner may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine vehicle information associated with the account owner. For example, estimated driving information or predicted vehicle ownership information might be automatically determined. | 06-11-2015 |
| 20150161741 | AUTOMATIC DETERMINATION OF PERIODIC PAYMENTS BASED ON TRANSACTION INFORMATION - According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine periodic payment information (e.g., associated with a subscription or membership) associated with the payment account. The automatically determined periodic payment information may then be output. For example, a predicted next periodic payment due date might be calculated and output. | 06-11-2015 |
| 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 |
| 20150161645 | METHOD AND SYSTEM FOR IDENTIFYING OPTIMAL REWARDS PROGRAMS - A method and a system are provided for identifying optimal rewards programs. The method involves retrieving from one or more databases a first set of information comprising payment card holder transaction information including at least purchasing activities and optionally payment activities attributable to the payment card holder, and retrieving from one or more databases a second set of information comprising a plurality of rewards programs. One or more predictive behavioral spend profiles are generated based on the first set of information. The one or more predictive behavioral spend profiles and the second set of information are then analyzed to identify one or more correlations between the one or more predictive behavioral spend profiles and the plurality of rewards programs. Targeted information, based on the one or more correlations, is provided to one or more entities (e.g., payment card holder or merchant). | 06-11-2015 |
| 20150161642 | METHOD AND SYSTEM TO TRACK MERCHANT LOYALTY AND INCENTIVES VIA A CREDIT CARD - A system and method including receiving, by a computer, an authorization request including a payment account number (PAN) and an identifier of a merchant associated with a transaction, the authorization request being an authorization only type of authorization; determining whether the PAN is associated with a loyalty program of the merchant based on a record of a mapped association between the PAN and a unique account identifier of the merchant's loyalty program; and sending, by the computer, an authorization response in reply to the authorization request, the authorization response including a first indicator indicative of whether the transaction is authorized and a second indicator indicative of whether the PAN included in the authorization request is associated with the loyalty program of the merchant. | 06-11-2015 |
| 20150161638 | SYSTEMS AND METHODS FOR PROVIDING LOCATION-BASED GAMING REWARDS - A computer-implemented method for providing an offer associated with a merchant to a cardholder engaging in a game is implemented by a gaming rewards computer system in communication with a memory. The method includes storing merchant game data for the merchant within the memory wherein the merchant game data includes data associated with a merchant game a merchant offer and a location of the merchant, receiving a game request message from a cardholder computing device associated with the cardholder wherein the game request message includes a cardholder locator identifying a location of the cardholder, providing the merchant game to the cardholder computing device when the cardholder location is within a pre-defined distance of the merchant location, receiving a game result message for the merchant game, and providing the merchant offer to the cardholder computing device based, at least in part, on the game result message. | 06-11-2015 |
| 20150161612 | METHOD AND SYSTEM FOR NETWORK BASED DYNAMIC CVC AUTHENTICATION - Methods and systems for receiving an authorization request associated with a transaction, the authorization request including a payment account number and a card verification value; determining the authorization request is to be processed as having a dynamic card verification value; automatically bypassing, in response to the determination that the authorization request is to be processed as having a dynamic card verification value, at least one card verification process to be used in a processing of the authorization request; and sending the authorization request to a card verifier to verify the card verification value matches a dynamic card verification value of record. Some methods and systems include transmitting the authorization request to a payment network for authorization of the transaction; receiving an authorization response in reply to the transmitted authorization request; and providing an indication of the authorization response to a merchant associated with the transaction. | 06-11-2015 |
| 20150161610 | SYSTEMS AND METHODS FOR MONITORING PAYMENT TRANSACTIONS FOR FRAUD USING SOCIAL MEDIA - A computer-implemented method for detecting fraudulent payment transactions performed over a payment network is provided. The method includes receiving, by a fraud monitoring device, a request to determine whether a payment transaction initiated using a payment card of a cardholder is fraudulent, wherein the request includes at least one of a merchant identifier, a merchant location, a cardholder identifier, and a transaction timestamp, associating the cardholder with a social media account based on the cardholder identifier, and receiving the social media location data from a social media computing device. The social media location data indicates a location of the cardholder at a particular time. The method also includes calculating a distance between the merchant location and the location of the cardholder indicated by the social media location data, and a time between the transaction timestamp and the particular time associated with the social media location data. | 06-11-2015 |
| 20150161606 | METHOD AND SYSTEM FOR ASSESSING FINANCIAL CONDITION OF A MERCHANT - A method and a system are provided for assessing the financial condition of a merchant. The method involves retrieving from one or more databases, a first set of information including merchant aggregated payment card transaction data for a defined time period, and retrieving from one or more databases a second set of information including social media information indicative of consumer sentiment of the merchant for the defined time period. The method further involves analyzing the first set of information and the second set of information to identify one or more correlations between the merchant aggregated payment card transaction data and the social media information indicative of consumer sentiment of the merchant, and assessing the financial condition of a merchant, based on the one or more correlations. A merchant is informed in a timely manner of any changes in their financial condition, thereby allowing the merchant to take remedial action. | 06-11-2015 |
| 20150161602 | METHOD AND SYSTEM FOR SPLIT-HASHED PAYMENT ACCOUNT PROCESSING - Methods and systems for receiving an authorization request associated with a transaction, the authorization request including an account code; receiving a user code to associate with the account code; associating the account code and the user code together to form a payment account code; determining an account identifier corresponding to the payment account code; determining whether to map the payment account code to a primary account number (PAN); mapping, in response to the determination that the payment account code is to be mapped to the PAN, the payment account code to the PAN to ascertain a PAN corresponding to the payment account code; and sending the authorization request including the PAN to be authorized. | 06-11-2015 |
| 20150161375 | METHODS AND SYSTEMS FOR USING TRANSACTION DATA TO AUTHENTICATE A USER OF A COMPUTING DEVICE - An authenticating computing device for authenticating a user of a user computing device as a human being. The authenticating computing device comprises a processor configured to receive a request to authenticate a user as human and an identifier associated with at least one of the user and the user computing device. The processor is further configured to retrieve transaction data associated with a payment card account of the user based on the identifier, generate a challenge question based on the transaction data, and generate a plurality of images based on the transaction data. At least one of the plurality of images is a correct image and at least one of the plurality of images is an incorrect image. The processor is further configured to transmit the challenge question and the plurality of images for display on the user computing device. | 06-11-2015 |
| 20150161366 | METHODS AND SYSTEMS FOR LEVERAGING TRANSACTION DATA TO DYNAMICALLY AUTHENTICATE A USER - A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user. | 06-11-2015 |
| 20150156176 | METHOD AND SYSTEM FOR SECURE TRANSMISSION OF REMOTE NOTIFICATION SERVICE MESSAGES TO MOBILE DEVICES WITHOUT SECURE ELEMENTS - A method for receiving and processing a data message includes: storing at least an encryption key; receiving a data message, the data message including at an encrypted message and a message authentication code, the message authentication code generated using at least a portion of the encrypted message; generating a reference authentication code using at least a portion of the encrypted message included in the received data message; validating the received data message based on a check of the message authentication code included in the received data message against the generated reference authentication code; and decrypting the encrypted message included in the received data message using the stored encryption key to obtain a decrypted message. | 06-04-2015 |
| 20150154666 | FACILITATING CHARITABLE DONATIONS ON A BANKING SYSTEM - Methods, apparatus and systems for automatically calculating charitable donations for donors and for distributing the charitable donations in accordance with the donors' wishes to approved and/or registered recipients, such as approved charitable organizations. In some embodiments, the method includes receiving contributor information, recipient information and donation data during a predetermined period of time, and then aggregating the donations from a plurality of contributors into a plurality of recipient contribution amounts. The process also includes distributing, at the end of the predetermined period of time, the recipient contribution amounts to recipient financial institutions based on the contributor information, the recipient information and the donation data. | 06-04-2015 |
| 20150154627 | METHOD AND SYSTEM FOR IMPLEMENTING LIMITED USE OFFERS AT POINT OF SALE DEVICES - A method for validating limited use offers includes: storing a plurality of offer data entries, each including an offer identifier, limitations on redemption, and a use flag; receiving an offer validation request including a specific offer identifier; identifying a specific offer data entry including the specific offer identifier; generating a notification regarding the validity of the offer when a use flag indicates that the offer has not been redeemed more than a specified number of times and the limitations on redemption of the specific offer data entry are satisfied, and indicates the offer as being invalid when the use flag indicates that the offer has been redeemed more than a specified number of times or one of the limitations on redemption of the specific offer data entry are not satisfied; and transmitting the generated notification. | 06-04-2015 |
| 20150154596 | METHOD AND SYSTEM FOR GENERATING AN ADVANCED STORAGE KEY IN A MOBILE DEVICE WITHOUT SECURE ELEMENTS - A method for building an advanced storage key includes: storing, in a mobile device, at least (i) device information associated with the mobile device, (ii) program code associated with a first program including an instance identifier, and (iii) program code associated with a second program including a first key; generating a device fingerprint associated with the mobile device based on the device information via execution of the code associated with the first program; generating a random value via execution of the code associated with the first program; building a diversifier value based on the generated device fingerprint, the generated random value, and the instance identifier included in the code associated with the first program; and decrypting the built diversifier value using the first key stored in the code associated with the second program via execution of the code associated with the second program to obtain a storage key. | 06-04-2015 |
| 20150154590 | METHOD AND SYSTEM FOR LEVERAGING TRANSACTION DATA TO FACILITATE MERCHANT OPERATIONS - A method and system for facilitating merchant operations is provided. The method includes receiving payment transaction data associated with a plurality of payment transactions. The payment transaction data includes timestamp data indicative of a time of each payment transaction. The method also includes determining a transaction count for each of a plurality of time periods of interest based on the timestamp data. Each transaction count indicates the number of transactions performed with a merchant during the respective time period of interest. The method also includes generating a transaction matrix for the merchant. The transaction matrix includes a plurality of cells, and each cell is associated with a respective time period of interest. The method also includes populating each cell of the transaction matrix with the transaction count associated with the time period of interest of the cell, and transmitting at least a portion of the transaction matrix to the merchant. | 06-04-2015 |
| 20150149465 | METHOD AND SYSTEM FOR INTEGRATING VEHICLE DATA WITH TRANSACTION DATA - A method for linking vehicle data to transaction history includes: storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a vehicle profile, wherein the vehicle profile includes vehicle data associated with a specific consumer and a plurality of demographic characteristics associated with the specific consumer; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating, in the database, each of the identified at least one consumer profile with the vehicle data included in the received vehicle profile. | 05-28-2015 |
| 20150149356 | METHOD AND SYSTEM FOR AUTHENTICATING CROSS-BORDER FINANCIAL CARD TRANSACTIONS - A method for scoring a cross-border transaction includes: storing a consumer profile, the consumer profile including data related to a consumer including an account identifier corresponding to a payment account associated with the related consumer and a device identifier corresponding to a computing device associated with a first country; receiving a data file originating from the computing device, the data file including the device identifier and an indication of the computing device being located in a second country; receiving an authorization request for a cross-border payment transaction, the authorization request originating from the second country and including the account identifier; identifying a fraud score based on at least one fraud rule and based on at least the received indication of the computing device being located in the second country; and transmitting the authorization request and the identified fraud score for approval or denial of the cross-border payment transaction. | 05-28-2015 |
| 20150149332 | SYSTEMS AND METHODS FOR MONITORING CARDHOLDER RETURN ACTIVITY - A computer-implemented method for monitoring cardholder return activity associated with cardholder transactions is implemented by a monitoring computer system coupled to a memory. The method includes receiving a set of first transaction data associated with a first transaction initiated by a cardholder at a merchant, determining that the first transaction is a first return transaction including a set of first return transaction data, retrieving a return record associated with the cardholder, wherein the return record is stored within the memory, and updating the return record associated with the cardholder with the set of first return transaction data. | 05-28-2015 |
| 20150149264 | METHOD AND SYSTEM FOR GENERATING PARKING METER ALERT NOTIFICATIONS - A method for providing parking meter alert notifications includes: storing a plurality of parking rate data entries, each entry including data related to a parking meter including at least a point of sale identifier associated with the related parking meter and a timing rate; receiving transaction data for a payment transaction associated with a specific parking meter, wherein the transaction data includes at least a specific consumer identifier, a transaction amount, a specific point of sale identifier associated with the specific parking meter, and a transaction time; identifying a specific parking rate data entry where the included point of sale identifier corresponds to the specific point of sale identifier; identifying an expiration time based on the transaction time, the transaction amount, and the timing rate included in the identified specific parking rate data entry; and transmitting an alert notification to a consumer based on the specific consumer identifier. | 05-28-2015 |
| 20150149253 | METHOD AND SYSTEM FOR INTEGRATING DEVICE DATA WITH TRANSACTION DATA - A method for linking device data to transaction history includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a device profile, wherein the device profile includes device data corresponding to a consumer device and a plurality of demographic characteristics associated with a consumer associated with the corresponding consumer device; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating each of the identified at least one consumer profile with the device data included in the received device profile. | 05-28-2015 |
| 20150149251 | METHOD AND SYSTEM FOR INTEGRATING PHONE NUMBERS WITH TRANSACTION DATA - A method for linking phone data to transaction history includes: storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a phone profile, wherein the phone profile includes at least a phone number associated with a specific consumer and a plurality of demographic characteristics associated with the specific consumer; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating, in the database, each of the identified at least one consumer profile with the phone number included in the received phone profile. | 05-28-2015 |
| 20150149244 | METHOD AND SYSTEM FOR INTEGRATING BIOMETRIC DATA WITH TRANSACTION DATA - A method for linking biometric data to transaction history includes: storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a biometric profile, wherein the biometric profile includes biometric data associated with a specific consumer and a plurality of demographic characteristics associated with the specific consumer; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating, in the database, each of the identified at least one consumer profile with the biometric data included in the received biometric profile. | 05-28-2015 |
| 20150149243 | METHOD AND SYSTEM FOR DISTRIBUTING CONSUMER ANALYTICS TO A POINT OF SALE DEVICE - A method for distributing consumer analytics to a point-of-sale device includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier associated with the related consumer, a plurality of consumer characteristics, and a plurality of transaction data entries, each entry corresponding to a payment transaction involving the related consumer and including transaction data; receiving a consumer profile request, the request including a specific consumer identifier and one or more requested consumer metrics; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; calculating the requested consumer metrics for the consumer related to the specific consumer profile based on the transaction data included in the plurality of transaction data entries included in the specific consumer profile; and transmitting the consumer characteristics included in the specific consumer profile and the calculated consumer metrics in response to the request. | 05-28-2015 |
| 20150149204 | METHOD AND SYSTEM FOR INTEGRATING MEDICAL DATA WITH TRANSACTION DATA WHILE MAINTAINING CONSUMER PRIVACY - A method for linking medical data to transaction history includes: storing, in a database, a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a medical profile, wherein the medical profile includes medical data associated with a specific consumer and a plurality of demographic characteristics associated with the specific consumer; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating, in the database, each of the identified at least one consumer profile with the medical data included in the received medical profile. | 05-28-2015 |
| 20150142657 | LINKING PHYSICAL CARD TO VIRTUAL CARD ACCOUNT METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable a cardholder to perform a financial transaction with virtual payment card when presenting a linked physical payment card. | 05-21-2015 |
| 20150142656 | SYSTEMS AND METHODS FOR INTEGRATING AN ENVIRONMENTAL IMPACT OFFSET WITH A PAYMENT CARD USAGE PROGRAM - A computer-implemented method for generating environmental impact offsets for payment card transactions is described. The method implemented using a computing device in communication with a memory. The method includes storing, in the memory, a plurality of offset factors associated with a plurality of merchants, receiving a first authorization request message for a payment transaction originating from an originating merchant for a cardholder that includes a transaction amount, determining the offset factor associated with the originating merchant, calculating, by the computing device, an offset amount based on the transaction amount and the offset factor, outputting the offset amount. | 05-21-2015 |
| 20150142655 | METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR APPORTIONING A PAYMENT CARD AUTHORIZATION REQUEST AMONG A PLURALITY OF ISSUER ENTITIES - Methods, systems, and computer readable media for apportioning a payment card authorization request among a plurality of issuer entities are disclosed. In one example, the method includes the method includes receiving a payment card authorization request associated with a master access card account for a specified monetary amount and apportioning the specified monetary amount into a plurality of monetary amounts in accordance with predefined allocation data associated with the master access card account. The method also includes sending a plurality of authorization requests containing the plurality of monetary amounts to a respective plurality of issuer entities. | 05-21-2015 |
| 20150142651 | INTERNET SERVICE PROVIDER (ISP) AUTHENTICATION OF eCOMMERCE TRANSACTIONS - The present disclosure provides internet service provider (ISP) authentication of eCommerce transactions, more particularly, a method and system of associating an ISP recognition identification (ID) with a cashless payment account. A system, method, and software product are provided for fraud prevention in the field of cashless payment account transactions. A computing device receives details of completed eCommerce payment transactions. A number of ISP recognition IDs are also received indicating merchant URLs of personal computing devices. A computing device then flags all received ISP recognition IDs for a time period surrounding the completed eCommerce payment transactions, and defines sets of flagged ISP recognition IDs. The sets of flagged ISP recognition IDs are then compared in generating candidate ISP recognition IDs (i.e., ISP subscriber lines), which are associated with each cashless payment account. Further iterations allow for limiting of the number of ISP recognition IDs associated with each cashless payment account. | 05-21-2015 |
| 20150142593 | SYSTEM AND METHOD FOR POINT-OF-SALE ELECTRONIC RECEIPT STORAGE - There is provided a system and a method for the storage of point-of-sale (POS) electronic transaction (e.g., payment transaction or loyalty-based transaction) receipts. The system and method include an electronic storage device having one or more databases of point-of-sale (POS) generated transaction receipt data stored therein, an access path for allowing access to the POS generated transaction receipt data; and a processor for assembling the POS generated transaction receipt data in the one or more databases and for providing the assembled POS generated transaction receipt data to one or more entities that have been granted access to the one or more databases. The receipt storage system and method are based on transaction (e.g., payment transaction or loyalty-based transaction) receipt data across a plurality of merchants, providing customers with an efficient solution for storing and managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers. | 05-21-2015 |
| 20150142592 | SYSTEM AND METHOD FOR POINT-OF-SALE ELECTRONIC RECEIPT GENERATION AND MANAGEMENT - There is provided a system and a method for the generation and management of point-of-sale (POS) electronic payment transaction receipts. The system and method include a POS component that performs a transaction at a location at which a customer and the POS component are physically present together generates content relating to the transaction; and a payment card that identifies a contact address to which an electronic receipt is to be sent. The POS component generates the electronic receipt based on the content relating to the transaction and causes the electronic receipt to be sent to the contact address identified on the payment card. The electronic receipt management system and method are based on payment transaction receipt information across a plurality of merchants, providing customers with an efficient solution for managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers. | 05-21-2015 |
| 20150142575 | METHOD AND SYSTEM FOR TARGETED ADVERTISING ON CLOTHING - A method for displaying targeted content on an article of clothing includes: storing a plurality of consumer profiles, each consumer profile including a consumer identifier and consumer behavioral data; storing a plurality of content profiles, each content profile including data related to a visual content item including one or more selection criteria; reading payment card data corresponding to a payment card associated with a specific consumer, the payment card data including a specific consumer identifier associated with the specific consumer; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; identifying a specific content profile based on the one or more selection criteria and the consumer behavioral data included in the identified specific consumer profile; and transmitting the visual content item included in the identified specific content profile for display on an article of clothing directed toward the specific consumer. | 05-21-2015 |
| 20150142561 | METHOD AND SYSTEM FOR DELIVERY OF CONTENT BASED ON DATA CAPTURED THROUGH TRANSIT PAYMENTS - A method for distributing targeted content includes: storing content profiles, each including a content item and selection criteria; storing account profiles, each including data related to an account including an account identifier and transaction data entries including transaction data corresponding to a transaction involving the account; storing consumer profiles, each including an account number and transit identifier; receiving a transaction notification corresponding to a transportation transaction involving a consumer and including a specific transit identifier; identifying a specific consumer profile where the included transit identifier corresponds to the specific transit identifier; identifying a specific account profile where the account identifier corresponds to the account number of the specific consumer profile; identifying a specific content profile based on the included selection criteria and the transaction data of the transaction data entries of the specific account profile; and transmitting the content item of the specific content profile for distribution to the consumer. | 05-21-2015 |
| 20150142550 | SYSTEMS AND METHODS FOR AGGREGATING CONSUMER ACTIVITY IN A REWARDS PROGRAM - A computer-implemented method for aggregating consumer activity in a loyalty reward program is described. The method implemented using a computing device in communication with a memory. The method includes storing, in the memory, at least one reward offer containing a reward and an activity threshold, receiving registration data from a plurality of registered consumers for the at least one reward offer, storing, in the memory, the registration data for each of the plurality of registered consumers, monitoring financial transaction data for at least one qualifying activity completed by at least one of the plurality of registered consumers, compiling, by the computing device, a total number of qualifying activities completed by all of the registered consumers, and sending the reward to each of the registered consumers when the activity threshold is reached by the total number of qualifying activities. | 05-21-2015 |
| 20150142515 | METHODS, SYSTEMS AND COMPUTER READABLE MEDIA FOR DETERMINING A RELATIONAL STRENGTH INDEX ASSOCIATED WITH A PLURALITY OF MERCHANT ENTITIES - Methods, systems, and computer readable media for determining a relational strength index between merchant entities are disclosed. In one example, the method includes applying at least one data filter to stored customer transaction data to produce relevant customer transaction data associated with a first merchant entity. The method also includes processing the relevant customer transaction data to determine a set of customers that conducted purchase transactions at both the first merchant entity and a second merchant entity and utilizing the set of customers to determine a relational strength index that represents a strength of a transactional affinity between the first merchant entity and the second merchant entity. | 05-21-2015 |
| 20150142514 | SYSTEM AND METHOD FOR PAYMENT TRANSACTION RECEIPT MANAGEMENT - There is provided a system and a method for payment transaction receipt management. The system and method include an electronic storage device having one or more databases of payment transaction receipt data stored therein; an access path for allowing access to the payment transaction receipt data; and a processor for assembling the payment transaction receipt data in the one or more databases and providing the assembled payment transaction receipt data to one or more entities that have been granted access to the one or more databases. The receipt management system and method are based on payment transaction receipt data across a plurality of merchants. This cross merchant approach provides customers with an efficient solution for managing all of their receipts. This cross merchant approach allows merchants to offer better and more targeted recommendations for customers which in turn can boost sales and customer satisfaction. | 05-21-2015 |
| 20150134532 | METHOD AND SYSTEM FOR CREATING A CONTROL GROUP FOR CAMPAIGN MEASUREMENTS - A method for creating a control group for campaign measurements includes: storing a plurality of consumer profiles, each profile including data related to a consumer including an account identifier, spend behavior, and microsegment associated with the consumer; receiving a plurality of measurement profiles, each profile including data related to a consumer including a specific account identifier and indication of participation or non-participation in a campaign; associating each consumer profile with a measurement profile where the included account identifier corresponds to the specific account identifier of the measurement profile; identifying a campaign group, the campaign group including consumer profiles, each profile including a common microsegment and spend behavior and associated with a measurement profile indicating participation in the campaign; and identifying a control group, the control group including consumer profiles, each profile including the common microsegment and spend behavior and associated with a measurement profile indicating non-participation in the campaign. | 05-14-2015 |
| 20150134523 | TELEPHONE ORDER PAYMENTS AUTHENTICATION USING PHONE NUMBER RECOGNITION - Presented are a method, system, and software product for transaction authentication via identification of a received telephone call. A telephone call is received from a potential payor requesting payment instrument transaction authorization. A determination is made via the telephone company of whether the telephone number was engaged in a call mode when the telephone call was received. If so, the transaction is allowed to proceed. Also presented are a method, system, and software product for authorization of transactions made via telephone. A payment instrument organization receives a request for transaction authorization containing a unique customer identifier of a customer attempting to complete a transaction via telephone. The associated telephone company is then contacted to determine whether the customer telephone number was engaged in an outbound call at the time the request for authorization of the transaction was received. If so, the transaction is approved. | 05-14-2015 |
| 20150134522 | ENHANCED AUTHORIZATION MESSAGE METHOD AND APPARATUS - A system, apparatus, and computer-readable storage medium configured to indicate an elevated status of a customer via an enhanced authorization message. | 05-14-2015 |
