Abstract: Systems and methods for optimizing user task schedules in a customer relationship management (CRM) platform is disclosed. The system may optimally input tasks into time slots in a user schedule to generate the optimized user task schedule. The system may generate a plurality of user task schedules and calculate a total task win probability for each of the user task schedules. The system may comprise the total task win probabilities and select the user task schedule having the greatest total task win probability. The system may also perform a genetic processing analysis of the user task schedules to further optimize task placement in the user task schedule.

Abstract: A system for automated supplier invoice reconciliation is disclosed. The system may receive an order confirmation associated with a purchase order (PO) from a supplier system. The system may receive the PO associated with the order confirmation from a buyer system. The system may receive a first invoice associated with the PO and the order confirmation from the supplier system. The system may reconcile between the PO, the first invoice, and the order confirmation to generate a second invoice. The system may pass the second invoice to the buyer system.

Abstract: Time series consumer spending data, point-in-time balance information, internal customer financial data and consumer panel information provides input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability may be reliably identified and utilized to promote additional consumer spending.

Abstract: Systems and methods are configured to facilitate the distribution of transaction accounts through distributors. An exemplary method includes the steps of: issuing a transaction account to a distributor, receiving information from the distributor via the MICR protocol used by the banking and financial services industries, wherein the information reports the distribution of the transaction account, and processing the information via a Travelers Cheque infrastructure. The transaction account may be a pre-paid card and the distributor may be a seller of pre-paid cards. Distribution of the transaction account may be facilitated by use of a sequential number, such as a Travelers Cheque number. Thus, the system may be configured to be compatible with existing Travelers Cheque communication systems already in place. Furthermore, a financial transaction device may include a card that bears a serialized number, such as a Travelers Cheque number, in a manner that can be read by MICR technology.

Abstract: A system and method for authorizing third party participants to redeem and transact loyalty points earned by cardmembers.

Abstract: The present invention provides a system and method for providing a flexible limit subsidiary account that may be issued by a Foreign Financial Institution. In particular, the present provides a system and method for allowing a parent to provide funds to a subsidiary and to control the spending of subsidiary or spending capacity. The card account may be issued at the request of the parent who may retain the ability to define, modify, and/or terminate the spending and/or debt accumulation limits for the subsidiary card account as well as other features as described in the attached disclosure. The system may be configured to provide the ability for parent to eliminate risks associated with fluctuations in currency exchange rates by committing to fixed automatic long-term charges at a fixed foreign exchange rate for a fixed term.

Abstract: An automated method and system for facilitating timely use and/or redemption of the unused portion of an electronic ticket are provided. In accordance with the method, ticket data (e.g., from an electronic ticket) is collected from a financial transaction account, then a search engine uses said ticket data to find open tickets. Finding open tickets includes setting an aging period and adding it to the scheduled departure date of the issued ticket, and a reminder period is set and subtracted from the scheduled date of a ticket. If the scheduled departure date plus the aging date is earlier than the current date, a determination is made as to whether the ticket has been used. If the scheduled date minus the reminder period is earlier than the current date, then a message is communicated to the traveler reminding him to use or redeem the ticket.

Abstract: The present invention provides a system and method for providing a flexible limit subsidiary card account. In particular, the present provides a system and method for allowing a parent to provide funds to a subsidiary and to control the spending of subsidiary or spending capacity. The card account may be issued at the request of the parent who may retain the ability to define, modify, and/or terminate the spending and/or debt accumulation limits for the subsidiary card account as well as other features as described in the attached disclosure.

Abstract: An automated method and system for consolidating a plurality of individual company charges for a customer with different periodic company billing and payment due dates is provided. Under the system, companies and businesses such as utility companies report their periodic billing information to a central processing office or facility. The processing office holds the billing information data in time suspense until all of the billing information for the customer during a pre-selected time period is received. Then, the central processing facility generates a single customer statement which identifies all individual company charges as well as a statement due date. The statement is sent to the customer and payment for the identified charges is due by the statement due date. After receiving payment from the customer, the centralized billing center processes the payment and then remits payment to all of the companies.