Abstract: The system protects an account through the use of tokens, thereby eliminating the need to expose the primary account identifier during a transaction. If a primary account identifier is compromised, any use of the primary account identifier to facilitate a fraudulent purchase or settlement transaction may be blocked by the system. The system is configured to receive a payment authorization request including a payment account first identifier. The payment account first identifier serves as a search condition for a query, which is executed against a database to retrieve payment account information, if the payment account information exists. The system sends a decline response in response to the payment account first identifier and a primary account identifier from the payment account information being the same, indicating that a primary account is being used.

Abstract: A system that enables development and execution of predictive models comprises a centralized data management system, a data extraction tool a model validation tool and a model execution tool. In embodiments, a data management system includes a data management server that can be accessed via a web browser that stores data. An extraction tool includes a data filter adapted to filter data based on, for example, a population criteria, a sample size, and a date range criteria. A model validation tool validates the model. A model execution tool allows a user to score the model.

Abstract: The systems and methods of the disclosure allow user from various countries to take advantage of offers when they are traveling internationally. Once the purchase associated with the offer is made, the transaction information may be processed by the system, such that, the credit and debit associated with the purchase are transmitted to the transaction account and the merchant. The transaction information may be further processed to determine whether the particular transaction is eligible for a reward. Where the transaction is eligible for a reward, the credit and debit associated with reward are transmitted to the transaction account and the sponsoring entity. The reward may be provided in any suitable currency or in various currencies based on the parameters governing the reward offer.

Abstract: The present invention relates to a process for producing an irregularly shaped Radio Frequency operable transaction device using conventional International Standards Organization dimensions for conventional transaction cards. The invention provides for normal manufacture of a plurality of transaction cards joined together in a single sheet. The outline of a RFID transaction device is impressed in a center portion of one of the transaction cards. A RFID transaction device may then be removed, or punched out of the transaction card in accordance with the transaction device outline.