Abstract: A computer-implemented method for generating a geographical information database associating users with one or more geolocations. The method includes the steps of receiving user identification data, geolocation data, and date and time data associated with the geolocation data from the personal computing devices of a plurality of users. The data is normalized into a predetermined format, and stored in the database. The method further includes periodically requesting updated geolocation data, and date and time data associated with the updated geolocation data from the personal computing devices of the plurality of users.

Abstract: Disclosed are exemplary embodiments of systems and methods for identifying a merchant location based on transaction records for the merchant. In an exemplary embodiment, a method generally includes accessing multiple router records. Each router record is assigned to one of multiple cells of a grid structure indicative of geographic location. Each router record is associated with a target merchant. The method further includes, for each of the multiple router records, searching for a match between the router record and at least one of multiple transactions at the target merchant, based on time, and reporting one or more of the multiple cells as a location associated with the target merchant, when a number of matching router records assigned to said one or more of the multiple cells exceeds a predetermined threshold.

Abstract: A computer implemented system and method for estimating and verifying a characteristic of a billing address of a payment card including receiving mobile phone and payment card number data from a cardholder. Geolocation data associated with the mobile phone is collected at a predetermined time after cardholder permission to access such data has been granted. Once received, a characteristic of an address associated with the geolocation data is estimated and submitted along with the payment card number to an address verification system for verifying the validity of the characteristic of the address.

Abstract: A computer system is configured to generate travel itineraries from databases of travel data, the itineraries including ordered location and date data, and provide itineraries to user devices for generation of displays of weather forecast data for locations on the itinerary. A user device is configured to access itinerary data, generated from databases of travel data, and weather forecast data, and generate a display of weather forecast data for locations on the itinerary.

Abstract: Methods and systems are provided for verifying images associated with properties offered for sale, lease, or rent. One exemplary method includes receiving, at a computing device, at least one image associated with a real property and searching, in a listing database, for the at least one image. The at least one image depicts at least a portion of the real property, and the listing database includes a plurality of known images, each associated with real property. The method also includes flagging, at the computing device, the at least one image as a preexisting image when the at least one image matches one of the plurality of known images in the listing database.

Abstract: A method for filtering news content includes: storing a consumer profile, the profile including data related to a consumer; storing, in the consumer profile, a plurality of transaction data entries, each entry including data related to a payment transaction involving the related consumer including a merchant identifier and transaction data; receiving a list of news content items, the list of news content items including data related to a plurality of news content items including publication data; identifying one or more news content items in the list of news content items where the included publication data corresponds to at least one of the merchant identifier and transaction data in one or more transaction data entries stored in the consumer profile; filtering the identified one or more news content items out of the list of news content items; and transmitting the filtered list of news content items.

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 method for imposing fees on a merchant includes: storing, in a merchant database, a plurality of merchant profiles, wherein each merchant profile includes data related to a merchant in violation of a rule or regulation including at least a merchant identifier; receiving, by a receiving device, an authorization request for a payment transaction, wherein the authorization request includes at least a specific merchant identifier associated with a merchant involved in the payment transaction and a transaction amount; identifying, in the merchant database, a specific merchant profile where the included merchant identifier corresponds to the specific merchant identifier; processing, by a processing device, the payment transaction for the transaction amount; processing, by the processing device, a second payment transaction for the imposition of fees on the merchant involved in the payment transaction; and processing, by the processing device, a third payment transaction for revocation of the transaction amount.

Abstract: A method for processing a chargeback of counterfeit goods includes: storing a plurality of transaction data entries, each entry including data related to a processed payment transaction including transaction data and a merchant identifier; receiving a chargeback request, the request including identification data associated with a plurality of payment transactions and an indication of each of the plurality of payment transactions involving the sale of counterfeit goods; identifying a subset of transaction data entries based on the transaction data in each entry in the subset and the identification data in the chargeback request; initiating a chargeback for the processed payment transaction related to each transaction data entry in the subset; and initiating a payment transaction for an amount based on a number of transaction data entries in the subset, wherein the initiated payment transaction involves an entity associated with the chargeback request.

Abstract: A method for assessing merchant likelihood of noncompliance includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including transaction data, an account identifier, and a merchant identifier; identifying a first set of transaction data entries that include a specific merchant identifier associated with a merchant noncompliant with a rule or regulation; identifying a set of account identifiers from the transaction data entries in the first set; identifying a second set of transaction data entries that include account identifiers from the set of account identifiers; identifying a set of merchant identifiers from the transaction data entries in the second set; and calculating, for each merchant identifier in the set, a score indicative of a likelihood that an associated merchant is noncompliant with the rule or regulation based on the transaction data included in each of their transaction data entries in the second set.

Abstract: A method for inferring a merchant geolocation includes: storing a plurality of transaction data entries, each including an account identifier, merchant identifier, and transaction time; storing a plurality of merchant profiles, each including a merchant identifier and geolocation; identifying a first set of transaction data entries, each entry including a common merchant identifier; identifying a second set of transaction data entries, each entry including a different merchant identifier corresponding to a merchant within a predetermined distance of a merchant corresponding to the common merchant identifier; transmitting an identification value associated with each transaction data entry in the first and second sets; receiving geolocation data entries for each identification value, each entry including a location time and geolocation; and identifying an updated merchant geolocation for the merchant corresponding to the common merchant identifier based on the geolocation included in geolocation entries that ma

Abstract: A method for processing an account corresponding to a reported absent payment card includes: storing, in an account database, an account profile, wherein the account profile includes data related to a payment account and includes at least an account identifier; receiving, by a receiving device, a reporting of an absent payment card, wherein the reporting includes at least the account identifier associated with the absent payment card; identifying, by a processing device, a limited-use controlled payment number; mapping, in the account profile, the identified limited-use controlled payment number to the account identifier; storing, in the account profile, an indication of the included account identifier as being reported as being absent; and transmitting, by a transmitting device, the identified limited-use controlled payment number as a response to the received reporting.

Abstract: Processor-executable methods, computing systems, and related processing for the creation, transaction, administration, management and communication of data relating to weather-related guarantees or insurance policies on travel related expenditures made over a payment card system for protecting against loss of value, or otherwise agreed upon conditions, relating to unpredictable weather or other natural phenomenon.

Abstract: A method for calculating a click conversion rate includes: storing a plurality of click data entries, each entry including data related to an electronic advertisement including a number of clicks and a consumer identifier associated with a plurality of consumers that have clicked on the related advertisement; receiving a plurality of transaction data entries, each entry including data related to a payment transaction including common merchant data and a common consumer identifier; identifying a specific click data entry where the consumer identifier corresponds to the common consumer identifier and the related advertisement corresponds to the common merchant data; and calculating a conversion rate for the advertisement related to the specific click data entry based on the included number of clicks and a number of the plurality of transaction data entries.

Abstract: A method for identifying fraudulent clicks includes: storing a plurality of click data entries, each entry including data related to a consumer click of an electronic advertisement including a device identifier of a plurality of device identifiers; receiving a plurality of clearing indications, wherein each clearing indication is associated with a device identifier of the plurality of device identifiers and indicates non-existence of a clearing record for a payment transaction associated with a computing device associated with the respective device identifier; identifying a subset of the plurality of click data entries wherein each click data entry of the subset includes a device identifier associated with a clearing indication of the received plurality of clearing indications; and indicating, in the click database, each click data entry of the identified subset of the plurality of click data entries as being a fraudulent consumer click of the related electronic advertisement.

Abstract: A method for force posting clearing transactions includes: storing, in a memory, a chargeback ratio associated with a merchant and a chargeback threshold; receiving, by a receiving device, a plurality of declined authorization requests, wherein each declined authorization request is associated with a payment transaction involving the merchant; identify, for each of the received declined authorization requests, a fraud or chargeback score, wherein the fraud or chargeback score represents a likelihood of the associated payment transaction being fraudulent or charged back; identifying, by a processing device, a subset of declined authorization requests where each declined authorization request included in the subset is based on the respective identified fraud or chargeback score, wherein a number of declined authorization requests in the subset is based on a correspondence between the chargeback ratio and the chargeback threshold; and submitting a clearing record for each declined authorization request in the id

Abstract: A device profiling computer system for determining and analyzing characteristics of devices used in payment transactions includes a processor, a device profiling database in communication with the processor, and a memory coupled to the processor. The device profiling computer system is configured to receive a set of first transaction data associated with a first transaction initiated by a cardholder at an online merchant wherein the cardholder initiates the first transaction using a cardholder computing device and wherein the set of first transaction data includes a set of first device characteristic data related to the cardholder computing device, analyze the set of first transaction data to determine a set of device characteristics, and update a device record stored in a device profiling database with the set of first transaction data wherein the device record is associated with the set of device characteristics.

Abstract: The present disclosure provides internet service provider (ISP) authentication of eCommerce transactions, more particularly, a method and system of associating an ISP recognition identification (ID) with a cashless payment account. A system, method, and software product are provided for fraud prevention in the field of cashless payment account transactions. A computing device receives details of completed eCommerce payment transactions. A number of ISP recognition IDs are also received indicating merchant URLs of personal computing devices. A computing device then flags all received ISP recognition IDs for a time period surrounding the completed eCommerce payment transactions, and defines sets of flagged ISP recognition IDs. The sets of flagged ISP recognition IDs are then compared in generating candidate ISP recognition IDs (i.e., ISP subscriber lines), which are associated with each cashless payment account.

Abstract: The present disclosure relates to a method and a system for generating social graphs using payment card transaction data. The method involves retrieving, by a financial transaction processing entity, information from one or more databases. The information includes purchasing and payment activities attributable to payment cardholders. The information is analyzed to determine coincident purchasing and payment transaction information of the payment cardholders. The coincident purchasing and payment transaction information is then analyzed to determine social relationships of the payment cardholders. One or more social graphs are generated based on the social relationships of the payment cardholders. The social graphs comprise multi-node graphs having edges or connectors linking the nodes. The payment cardholders are represented by the nodes. A social relationship between the payment cardholders is represented by the edges or connectors linking the nodes.

Abstract: The present disclosure provides a method and a system for generating social graphs using coincident geolocation data. In particular, a method is provided in which an entity retrieves information from one or more databases. The information includes geolocation data for a plurality of entities generated over a predetermined period of time. The information is analyzed to determine coincident geolocation information of the entities. The coincident geolocation information is then analyzed to determine social relationships of the entities. One or more social graphs are then generated based on the social relationships of the entities. The social graphs comprise multi-node graphs having edges or connectors linking the nodes. The entities are represented by the nodes. A social relationship between the entities is represented by the edges or connectors linking the nodes. The attributes of the edges or connectors are based upon information describing a characteristic of the relationship.