Abstract: A method includes receiving, at a computing system, information regarding a transaction associated with a financial account of a customer. The method also includes determining, based at least in part on the information regarding the transaction, whether to provide a redemption alert to the customer. The method also includes providing the redemption alert to a mobile device of the customer if it is determined that the redemption alert is to be provided. The method further includes receiving a response to the redemption alert from the mobile device of the customer, where the response indicates whether at least a portion of accumulated loyalty rewards of the customer are to be used to pay for at least a portion of the transaction.

Abstract: The invention comprises a system and method for converting initial financial transactions into final financial transactions entailing lower transaction fees or which are otherwise more advantageous. According to one embodiment of the invention, a card not present (CNP) transaction is conducted for a remote consumer buying goods/services. When the consumer later arrives at a point of authentication (POA), the consumer is presented with an opportunity to have the CNP transaction effectively converted to a card present (CP) transaction using the same card instrument or a different card instrument. The merchant benefits because the transaction fees are much reduced for the CP transaction compared to the CNP transaction. The consumer may benefit from rewards/rebates or other inducements to authorizing the subsequent transaction.

Abstract: The invention comprises a system and method for converting initial financial transactions into final financial transactions entailing lower transaction fees or which are otherwise more advantageous. According to one embodiment of the invention, a card not present (CNP) transaction is conducted for a remote consumer buying goods/services. When the consumer later arrives at a point of authentication (POA), the consumer is presented with an opportunity to have the CNP transaction effectively converted to a card present (CP) transaction using the same card instrument or a different card instrument. The merchant benefits because the transaction fees are much reduced for the CP transaction compared to the CNP transaction. The consumer may benefit from rewards/rebates or other inducements to authorizing the subsequent transaction.

Abstract: A network computer system for providing security that includes a monitoring function for the network computer system utilizing compartments that can be logical or separate physical hardware, at least one outside server for an untrusted computer network, e.g., global computer system, at least one proxy server, at least one inside server, wherein the at least one outside server is able to read and write software code to the at least one proxy server and the at least one proxy server is able to read and write software code to the at least one inside server, wherein the monitoring function can read and execute software code from the at least one outside server, the at least one proxy server and the at least one inside server. There is a top/down security function to prevent access to higher compartments.

Abstract: An integrated rewards card includes a credit card number associated with a credit account of a person, persons, entity or a business. The integrated rewards card also includes a debit card number. The debit card number is different then the credit card number. Purchases using the credit card number cause a reward balance on a reward account associated with the debit card number to be increased. Products or services can be purchased with the reward account using a point of sale device for the credit card number.

Abstract: An exemplary method for reducing fraudulent transactions includes receiving fraud data from a first data source, wherein the fraud data is related to a fraudulent transaction of an entity. A first data element corresponding to the entity is also received from the first data source. The first data element is correlated with the fraudulent transaction of the entity to form an entity profile. The first data element and a second data element corresponding to the entity are received from a second data source. The second data element is correlated with the entity profile based on the first data element. A transaction risk assessment request based on a request for payment to a payee is received, wherein the transaction risk assessment request includes a payee identifier. A transaction risk assessment is generated based at least in part on the entity profile and at least in part on the payee identifier.

Abstract: A method of authenticating a user through a validated mutual authentication system is provided. In an exemplary embodiment, the method includes establishing a validating fractal image during an enrollment or other process. A plurality of fractal images are provided to a client during an authentication attempt by the user, and the plurality of fractal images includes the validating fractal image. Fractal image selection data is received from the client, and the system uses the received fractal image selection data to determine a fractal image selected by the user from the plurality of fractal images. The user is authenticated only if the fractal image selected by the user is the validating fractal image.