Abstract: A gratuity analyzing computing device and method are provided. The computing device may include a receiver to receive transaction data of a plurality of merchants, wherein the transaction data includes authorization transactions and clearing transactions, a calculator to match a plurality of authorization transactions with a plurality of clearing transactions, respectively, and calculate gratuity amounts for the plurality of matched transactions, an analyzer to select at least two merchants, generate tip data for each selected merchant, the tip data for a respective merchant being generated based on gratuity amounts of matched transactions that correspond to the respective merchant, and rank the at least two merchants based on a comparison of the generated tip data of the at least two merchants with respect to each other, and a transmitter configured to output the rank and the tip data of the at least two merchants to a user.

Abstract: Systems and methods for validating and adjusting local transaction times are provided. A host computing system includes a processor and a memory in communication with the processor. The host computing system receives a computer message comprising authorization data associated with a transaction, the authorization data including a location identifier and a local transaction time set by a remote computing device used in processing the transaction. The host computing system also appends a header including a header processor time to the computer message, determines a time zone associated with the local transaction time based on the location identifier, converts the header processor time to a local header processor time based on the time zone, and determines that the local transaction time is validated based on the local header processor time.

Abstract: A chargeback processing computing device is provided.