Abstract: A system and method for converting an inbound Internet protocol (IP) connection to a X.25 protocol connection such that unmodified legacy X.25 applications can process IP communications.

Abstract: The balance of funds remaining for a stored-value card (“SVC”) may easily be determined without going through an actual purchase transaction with the SVC. The balance is obtained wirelessly from a server storing information pertaining to SVCs, and may be provided in a discreet manner. A card reader adds a card security code to a card number read from the SVC, and encrypts the card number and the CSC. The encrypted information is wirelessly sent to a cellular telephone. The cellular telephone decrypts the encrypted information and wirelessly transmits a balance-information request, which includes the card number and the CSC, to the server. The server receives the request and wirelessly sends the requested balance information to the cellular telephone and, in turn, the cellular telephone wirelessly sends the requested balance information to the card reader, which provides the information to the requester.

Abstract: Migration of a first type of financial transaction instrument to a second type of financial transaction instrument is beneficial when the first instrument no longer is suitable for an account holder due to a change in the account holder's situation. A list of consumers for which an event has occurred during a pre-defined time period is compared with a list of account holders of the first instrument to determine an account holder for which the event has occurred during the pre-defined time period. If it is determined that the account holder has provided prior instructions authorizing automatic migration, then the first instrument is migrated to the second instrument by issuing the second instrument, notifying the account holder that migration has taken place or will take place, and updating account information to indicate migration to the second instrument.

Abstract: A system, method and computer program product for interfacing disparate partner systems to a transaction account issuer system is disclosed. A Web server receives a request from a disparate partner system, such as a Web service, a portal and/or a partner microsite and an application server extracts a partner identifier from the request. In turn, a delegate engine delegates actions corresponding to the request to one or more handlers using predetermined rules associated with the partner identifier. A worker manager manages worker code blocks which perform the actions based on a subset of the predetermined rules associated with the partner identifier. The Web server then communicates an outcome to the partner system based on the actions performed by the worker code blocks.

Abstract: A system, method, and computer program product for managing meetings and allocating and reconciling expenditures. Scheduling information for a plurality of meetings is stored in a database. A plurality of budgets is stored in the database, each of the budgets being associated with and defining budget items for one of the plurality of meetings. Transaction data are received describing a plurality of expenditures made using at least one transaction account, wherein the transaction data comprise an amount expended for each of the plurality of expenditures. A selection of an expenditure, from the plurality of expenditures, and a selection of a meeting related to the selected expenditure from the plurality of meetings are accepted from a user. An allocation of at least a portion of the amount of the selected expenditure to a budget item for the selected meeting is accepted.

Abstract: A system, method and computer program product for approval and allocation of costs in electronic procurement is described, wherein approval and allocation of costs are made in response to an electronic invoice, which includes information used to allocate procurement costs to one or more cost centers.

Abstract: A method, system and computer program product for communicating to a consumer one or more offers at a merchant communication device. Predefined offers are stored in a database. A portal selects one or more of the predefined offers, which are then communicated to the consumer through the merchant communication device. The consumer's response to the at least one offer is accepted and the transaction is completed accordingly.

Abstract: Air miles insurance allows customers to protect the value of their reward miles when a covered airline ceases operation and those reward miles are not honored by another carrier, or if a covered airline continues to operate, but discontinues its reward program and the miles are not honored by another carrier. This air miles insurance can be associated with a particular transaction account company. The number of miles lost by an enrolled customer may be deposited into a mileage bank for the customer, which is then credited to the customer's transaction account when an airline ticket is purchased. The number of miles may alternatively be exchanged for points in the transaction account company's rewards program. The number of points awarded may be equal to the number of airline miles that the customer lost. The customer may then redeem the rewards points according to the rules of the rewards program.

Abstract: A system, method, and computer program product for authenticating a requestor using a previously-stored biometric print. Records are stored in a database, where each record contains a previously-stored biometric print corresponding to an individual and is disassociated from an identity of the individual. An identifier and a biometric sample are requested from the requester. The identifier is then used to locate one of the plurality of records corresponding to the requestor. The requestor is authenticated if the biometric sample matches the previously-stored biometric print.

Abstract: Process for reverse engineering a program application written in a legacy programming language (e.g., COBOL), where the program application was specifically designed using a markup language template so as to process documents in the markup language. The process involves extracting from the program application, line by line, content fragments of the original markup language template and reassembling them to obtain the original template.

Abstract: Error-testing of merchant messages to be used with point-of-sale (POS) devices is performed by an automated system that receives a formatted message to be tested from a merchant or an agent of the merchant, performs a computer-implemented evaluation of the message according to predefined message-validation rules to detect one or more errors, and notifies the merchant or the agent of evaluation results. The evaluation results include a listing of each detected error, if any.

Abstract: Systems, methods, and computer program products for presenting, on a statement associated with a financial transaction instrument, an amount of interest avoided during a statement period. A first interest amount is computed for the statement period according to a first interest calculation method, the first interest amount being an interest amount actually billed to the transaction instrument account holder. A second interest amount is computed for the statement period according to a second interest calculation method. An amount of interest avoided for the statement period is computed by taking a difference of the first interest amount and the second interest amount. The amount of interest avoided for the statement period is displayed on the statement, whereby the holder of the transaction instrument is informed as to the amount of interest avoided by use of the first interest calculation method, rather than the second interest calculation method.

Abstract: A system and method for calculating savings using a savings calculator for calculating savings realized over a period of time for several travel-related categories of expenses using respective pre-defined formulas and for producing a savings summary report and worksheets.

Abstract: The invention provides consumers with the services of multiple cards or accounts while allowing consumers to carry a single card, transponder, code and/or other access device. Because the card may access combined services such as financial transaction services and transportation services, the system may facilitate charging the financial account for the transportation services. The system may allow the consumer to use loyalty points or geographic based loyalty points to pay for the transportation services. The system may also limit the use of certain loyalty points based upon the geographic area for certain transportation services in certain geographic areas.

Abstract: Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. The identification number stored on the financial transaction instrument is associated with a transit system fee registered for each use of the transit system. A plurality of transit system fees associated with the same identification number from use of the financial transaction instrument is aggregated, and payment for the aggregated transit system fees is requested from a transaction account associated with the financial transaction instrument.

Abstract: A system, computer product and method are provided for providing business travel and expense benchmarking analysis. A first data storage receives and stores travel data for peer entities. A second data storage receives and stores expense transaction data for the plurality of peer entities. A data storage server aggregates the metrics of the travel data and the expense transaction data of the plurality of peer entities, generating aggregated travel and expense data. A processor compares a travel and/or expense transaction metric of an individual entity to a corresponding metric of the aggregated travel data and expense transaction data and a communications interface electronically communicates the result of the comparison to a client host computer.

Abstract: An automated method and system for facilitating interaction between a consumer and a merchant are provided. In accordance with the method, an offer is presented via display describing a predetermined means for acceptance. Once the offer has been presented, if the consumer accepts, the system facilitates receipt of the acceptance, combined the fact of acceptance with identification and payment information, and transmits the relevant information to the merchant. Optionally, the system may customize the content or the presentation of the offer based on information about the targeted consumer.

Abstract: A system for facilitating electronic transfer of funds includes a transfer administrator in communication with a transferor institution, one or more intermediary institution, and a transferee institution, the transferor institution having an account at the one or more intermediary institution. The transfer administrator may be configured to receive an incoming payment request designating said transferor institution, a quantity of funds to be transferred, and the transferee institution. The transfer administrator generates and issues a translated payment order based at least in part on the incoming payment request and configured to accomplish a transfer among the transferor institution, the one or more intermediary institution, and the transferee institution. Finally, the transfer administrator may facilitate processing of a balancing payment among the transferor institution, the one or more intermediary institution, and the transferee institution.

Abstract: A system generally for personalizing and synchronizing smartcard data in the context of a distributed transaction system is disclosed. A dynamic smartcard synchronization system comprises access points configured to initiate a transaction in conjunction with a smartcard, an enterprise data collection unit, and a card object database update system. An exemplary dynamic synchronization system (DSS) preferably comprises various smartcard access points, a secure support client server, a card object database update system (CODUS), one or more enterprise data synchronization interfaces (EDSI), an update logic system, one or more enterprise data collection units (EDCUs), and one or more smartcard access points configured to interoperably accept and interface with smartcards. In an exemplary embodiment, DSS comprises a personalization system and an account maintenance system configured to communicate with CODUS.