Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system process data from multiple data sources including information generated by the business and analyze the data to provide actionable suggestions, analytics and advice as to how to determine how to improve the performance of the business. The actionable suggestions, analytics and advice may be automatically compiled into a report and generated without user action. The use of natural language queries and responses allows for a merchant without a business intelligence background obtain these insights easily.

Abstract: A method for providing data values to an automated program includes: storing, in an account database, a plurality of account profiles, wherein each account profile includes at least an account identifier and a digital token value related to a user account; executing, by a querying module, a query on the account database to identify a specific account profile; transmitting, by a transmitting device, the digital token value included in the specific account profile to a first computing system; receiving, by a receiving device, a plurality of data values associated with a user corresponding to the user account related to the specific account profile based on the digital token value from the first computing system; and transmitting, by the transmitting device, one or more data values of the plurality of data values to an automated application program executed by a second computing system.

Abstract: A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system processes data from multiple data sources including information generated by the business and analyzes the data to provide actionable suggestions as to how to determine how to improve the performance of the business. The use of natural language queries allows for a merchant without a business intelligence background obtain these insights easily.

Abstract: A method for verifying a transacting entity includes: receiving a verification request including an entity identifier; transmitting a transaction amount; receiving a transaction message for a payment transaction including a controlled payment number, the transaction amount, and the entity identifier; transmitting at least two refund messages including the controlled payment number and a refund amount, where a total of the refund amount included in each refund message equals the transaction amount; receiving a verification message including the entity identifier and two or more return amounts; and verifying that the two or more return amounts correspond to the refund amounts included in the two or more refund messages.

Abstract: A method for supplying payment credentials in a secondary payment opportunity includes: receiving a first data signal from a first computing device superimposed with at least payment credentials associated with a transaction account; electronically transmitting a second data signal to a second computing device superimposed with a payment opportunity request; receiving a third data signal from the second computing device superimposed with at least one payment opportunity; electronically transmitting a fourth data signal superimposed with the at least one payment opportunity; receiving a fifth data signal superimposed with an indication of one of the at least one payment opportunity; and electronically transmitting a sixth data signal to the second computing device superimposed with at least the indicated payment opportunity and the payment credentials.

Abstract: A method for providing insights based on merchant bidding includes: storing a plurality of transaction data entries, each including a merchant identifier and transaction data; receiving merchant bids, each being received from a different merchant and including a bid amount and corresponding merchant identifier; identifying a transaction metric based on the transaction data included in each transaction data entry; identifying a propensity to transact for each corresponding merchant identifier based on the transaction data included in each transaction data entry that includes the respective corresponding merchant identifier; determining a winning bid of the plurality of merchant bids based on a combination of the propensity to transact for the included corresponding merchant identifier and the included bid amount; and transmitting the account identifier included in the account profile to the merchant from which the winning bid was received.

Abstract: A method for transmitting line item data from an electronic receipt comprising storing a plurality of receipt data entries affiliated with a consumer account based on a consumer identifier. The method comprises storing a plurality of merchant identifiers affiliated with one or more product data files for products sold by a merchant. The method further receives a transaction message for a payment transaction using the consumer identifier via a payment network and executes a query on the electronic receipt database from a first consumer device to identify one or more products purchased in the payment transaction. The method generates an electronic receipt displaying purchase information for the one or more products and links the purchase information on the electronic receipt to the product data file for the one or more products for transmittal.

Abstract: A method and system are described that provide responses to natural language queries regarding the performance of a business. The method and system processes data from multiple data sources including information generated by the business and analyzes the data to provide actionable suggestions as to how to determine how to improve the performance of the business. The use of natural language queries allows for a merchant without a business intelligence background obtain these insights easily.

Abstract: Systems and methods are provided for use in creating, distributing, and displaying messages. One exemplary method includes receiving, by a computing device, a message request associated with an event and extracting, by the computing device, payment information and message information from the request. The method also includes causing the payment information to be processed. The method further includes creating, by the computing device, a message feed related to the event, when such a message feed does not exist, and adding the message information to the message feed when the message feed exists. Finally, the method includes causing, by the computing device, in response to a message feed request, the message feed to be delivered, whereby the message feed is displayed at an event merchant associated with the event.

Abstract: An exemplary method for distributing an offer to a mobile device includes identifying a location of a first mobile device, identifying offer preferences for a user of the first mobile device, and distributing the offer to the first mobile device. The offer is an offer for the purchase of goods or services, the offer meets the offer preferences of the user of the first mobile device, and the offer is encoded with a first offer identifier corresponding to the user of the first mobile device.

Abstract: Embodiments of the disclosure enable a card issuer to deliver and deliver payment cards in an organized and secure manner. In one aspect, a computer-implemented method and system for delivering a payment card is provided. The method and system include identifying a location of a client device associated with a request for the payment card. A first zone about the client device is scanned for one or more objects in the first zone. A determination is made as to whether at least one predetermined object of the one or more objects is associated with the payment card. On condition that the at least one predetermined object is associated with the payment card, the payment card is delivered. Aspects of the disclosure enable a card issuer to activate and deliver payment cards in an organized and secure manner.

Abstract: A method includes receiving, in a computer, a request for a funds transfer from a sender to a recipient. The method also includes sending, from the computer, a message to the recipient. The message indicates to the recipient that the funds transfer has been made and that the recipient has a number of options for receiving the funds transfer. The method further includes receiving, in the computer, from the recipient, an indication for indicating selection of one of the options for receiving the funds transfer.

Abstract: A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data.

Abstract: A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data.

Abstract: A method includes generating a token at a server device and transmitting the token from the server device to a payer device, the token corresponding to a payment account; receiving the token at the payer device and transmitting the token from the payer device to a payee device via a short-range wireless communication protocol; receiving the token at the payee device and transmitting the token with transaction data from the payee device to the server device, the transaction data corresponding to the payment transaction; and receiving the token with the transaction data at the server device and conducting the payment transaction at the server device using the transaction data and the payment account corresponding to the token.

Abstract: A method and system for an open application programming interface (API) dashboard system for monitoring and managing one or more developer programmed applications configured to use one or more services provided by a service owner are provided. The system includes an application area associated with a corresponding programmed application, each application area including a call metrics group configured to display summarized metrics, a services used group configured to display a listing of each service called by the programmed application and metrics associated with each service, and a key management group configured to prompt a developer of the programmed application to request or revoke a key, wherein the key includes a developer identification, a programmed application identification, and signed certificates relating to services used by the programmed application.

Abstract: A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data.

Abstract: A database containing transaction data from at least one entity which makes payments with a payment network is maintained. Social network activity data from a social network is obtained for the at least one entity which makes payments with the payment network. The social network activity data and given records of the transaction data are integrated, to obtain integrated social media transaction visualization data. Techniques for providing purchase recommendations are also disclosed.

Abstract: A system and method for processing an economic benefit between friends on a social network using a consumer identifier, payment card, and plurality of friend identifiers, each friend identifier including a consumer identifier corresponding to another consumer data entry, at least one challenge including a challenge identifier, task identification, threshold number of consumers and a reward; a task identifier and a required action. Upon an indication of completion of a task by the consumer and friends or indication based on performance of the corresponding required action, the consumer and friends can share in a reward.