Abstract: A method and a system are provided for offering travel support services. In particular, the method includes retrieving from one or more databases a first set of information comprising payment card transaction information of one or more entities including addenda information; retrieving from one or more databases a second set of information including vendor information; and retrieving from one or more databases a third set of information comprising external information.

Abstract: A method for updating expiry information of an account is provided. Additionally, a prediction computing device for updating expiry information of an account is provided. Further, a computer-readable storage medium having computer-executable instructions embodied thereon for updating expiry information of an account is provided.

Abstract: A computer-implemented method for determining merchant sales data using overhead imagery is provided. The method uses a valuation computer device in communication with a memory. The method includes receiving a first overhead image of an area surrounding a merchant location. The first overhead image is associated with a first image date and time. The method also includes identifying at least one parking area associated with the merchant location based on the first overhead image, determining a first number of vehicles in the at least one parking area, receiving a plurality of transaction data associated with the merchant location for a first predefined period of time associated with the first image date and time, and determining a first set of sales data for the merchant based on the plurality of transaction data and the first number of vehicles.

Abstract: Systems and methods for tracking media content consumption and developing a media content consumption database are disclosed. Media purchase data is received and analyzed to determine media content items purchased in individual media content transactions. The media content transactions are compared to payment account data to determine a corresponding account number. The media content items purchased and corresponding account number are then stored in a media content consumption database.

Abstract: A computer-implemented method for determining merchant revenue using transaction data and geotemporal data is provided. The method includes receiving a revenue report request message generated by a requesting party, the revenue report request message including a merchant identifier and a report period. The method also includes receiving transaction data for the merchant associated with the merchant location from a payment processing network and receiving geotemporal data for a geographic region including the merchant location. The method further includes analyzing the geotemporal data to determine a number of visitors located at the merchant location during the report period. The method still further includes calculating a revenue share using the transaction data and the number of visitors, and providing a revenue report to the requesting party, the revenue report including the revenue share.

Abstract: A method and a system are provided for detecting pricing driven by browser settings. A method and a system are also provided for identifying merchants that are using browser-driven or cookie-driven price setting mechanisms, and for helping shoppers obtain the lowest available price for a product or service. A computer system-implemented method includes utilizing a webcrawler program or other searching program to access one or more merchant web sites and recover pricing and/or other product or service information, identifying one or more browser settings that minimize price of a product or a service, accessing the one or more merchant websites with a computer device having the one or more browser settings that minimize price of the product or service, and purchasing the product or service at the minimized price. The computer system-implemented method can also utilize a central hub that connects multiple computer devices together.

Abstract: Systems and methods of determining a dynamic price of a media content item and delivering the dynamic price of the media content item to a user are disclosed. Cardholder data may be provided by the user and may be associated with payment account data. Data associated with media content item(s) may be acquired. Dynamic price(s) for individual media content item(s) may be determined based on the payment account data, the data associated with the media content and a number of viewers. The dynamic price(s) may be displayed and a media content item selected. After receiving an authorization for a dynamic price for the selected media content item, streaming of the selected media content item may be enabled.

Abstract: A method for moderating an e-mail distribution list includes: storing a plurality of e-mail profiles, each profile including data related to an e-mail address including the related e-mail address and one or more permissions, each permission associated with at least one entity and a restriction on sharing; receiving an e-mail distribution list from a mailing entity, the list including plurality of e-mail addresses and source data associated with each e-mail address, the source data indicating how the address was obtained; identifying a specific e-mail profile for each of the plurality of e-mail addresses that includes the respective address; and identifying one or more unauthorized e-mail addresses where the permissions included in the corresponding e-mail profile (i) are not associated with the mailing entity or an entity associated with the source data, or (ii) are associated with a restriction on sharing indicated as being violated by the associated source data.

Abstract: A method for identifying violative e-mails using aliasing includes: storing an e-mail profile, the profile including data related to an e-mail address; receiving e-mail registration information, the information including an alias e-mail address associated with the related e-mail address and an authorized entity; storing, in the e-mail profile, the alias e-mail address and the authorized entity; receiving an e-mail message, the message including data indicating the alias e-mail address as a recipient and a delivering entity as an author or sender; and processing the e-mail message, wherein the processing includes transmitting the e-mail message to the related e-mail address if the delivering entity is associated with the authorized entity, or identifying a merchant associated with the delivering entity as being in violation of one or more rules or regulations regarding the usage and collection of e-mail addresses.

Abstract: A method for identifying a merchant associated with ransomware includes: storing, in a profile database, a plurality of merchant profiles, wherein each merchant profile is related to a merchant and includes at least a merchant identifier; receiving, by a receiving device, an authorization request for a payment transaction, wherein the authorization request includes a specific merchant identifier associated with a merchant involved in the payment transaction, and the payment transaction is initiated by a computing device infected with one or more ransomware application programs; identifying, by a processing device, a specific merchant profile in the profile database where the included merchant identifier corresponds to the specific merchant identifier included in the received authorization request; and updating, by the processing device, the specific merchant profile in the profile database to include an indication that the related merchant is associated with the distribution of the one or more ransomware appl

Abstract: A method for updating expiry information of an account is provided. Additionally, a prediction computing device for updating expiry information of an account is provided. Further, a computer-readable storage medium having computer-executable instructions embodied thereon for updating expiry information of an account is provided.

Abstract: A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving, by the computing device, a first satellite image of the first real property location. Additionally, the method includes retrieving, by the computing device, a second satellite image of the first real property location. The method additionally includes generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image. Additionally, the method includes providing the compound image to a user interface, wherein the compound image provides an indication of one or more vacant portions of the first real property location.

Abstract: Systems and methods are described that anonymized consumer transaction data in such manner to prevent de-anonymization to reveal personally identifiable information (PII) of the consumers. The process includes selecting particular consumer transaction data, generating a dictionary of items, generating consumer groups, matching consumer transaction data for each consumer to a group, forming modifiable consumer transaction histories, and quantifying a similarity between consumer groups. In some embodiments, the process includes discarding consumer groups that contain less than a threshold number of consumers, selecting at least one consumer group that contains at least a threshold number of consumers as the anonymized consumer transaction dataset, and providing the anonymized consumer transaction dataset to a third party for analysis.

Abstract: 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.

Abstract: A method for transmitting tokenized data includes: storing a plurality of token profiles, each profile including data related to a tokenized data element including a token, data value, and associated data element; receiving a transaction message via a payment network, the message being formatted pursuant to one or more standards governing the interchange of transaction messages and including data in one or more data elements reserved for private use in the one or more standards; identifying, for each data elements, a corresponding token profile where the included associated data element is the respective data element and where the included token corresponds to the data included in the respective data element; updating the transaction message by replacing the data included in each of the one or more data elements with the data value included in the identified corresponding token profile; and transmitting the updated transaction message via the payment network.

Abstract: A computer implemented method for performing payment account billing address verification. The method comprises the steps of receiving an authorization request, including payment account information and billing address information, from a merchant. The authorization request is transmitted to an issuer associated with the payment account. At the same time, an address verification request is transmitted, including the payment account information and billing address information, to an outside service provider. The authorization response from the issuer and the results of the address verification address are received. An indication is made on the authorization response regarding the results of the address verification request, and the authorization response is transmitted to the merchant.

Abstract: 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 desc

Abstract: A method for automated parking validation includes: storing, in a memory of a computing device, a parking fee amount; receiving, by a receiving device, payment details associated with a transaction account; identifying, by a processing device, transaction data for an eligible payment transaction, wherein the transaction data includes at least a transaction time and/or date and a merchant identifier; discounting, by the processing device, the parking fee amount by a discount amount if the transaction time and/or date is within a predetermined period of time and the merchant identifier is one of a plurality of predefined merchant identifiers; and transmitting, by a transmitting device, an authorization request for a payment transaction, wherein the authorization request includes at least the received payment details and the discounted parking fee.

Abstract: Systems and methods are provided for use in identifying potential shipments of prohibited goods from merchants in connection with processing transactions relating to the goods. In one exemplary embodiment, a request is initially received, at a computing device, to process a transaction relating to goods provided by a target merchant where the request includes an address or other data associated with the target merchant. A database of merchants that have previously been identified as, or associated with, selling and/or shipping prohibited goods to consumers is then searched for the address or other data associated with the target merchant. When the address or other data associated with the target merchant is in the database, the target merchant is flagged at the computing device and the transaction is declined.

Abstract: 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.