Abstract: The systems and methods provide an offer to a user that may be accepted by the user through an action by the user. The action may be, for example, a broadcast through a social media channel. The parameters of the offer may defined that the broadcast comprise an offer identifier and may require that a user take subsequent action to fulfill the offer. The systems and methods may also be configured to monitor one or more broadcast channels, identify the source of a broadcast, identify transaction accounts associated with the source, evaluate transaction data associated with the transaction account, and provide benefits to the source and/or the transaction account.

Abstract: The systems, methods and computer program products (collectively “system”) described herein relate to customized real time data delivery. The system may be configured to receive, by a performance marketing cluster, first data from a first data source. The system may also receive, by the performance marketing cluster, second data from a second data source. The system may determine, by the marketing cluster, an analysis scheme for the first data and the second data based on the first data source. The system may also determine, by the marketing cluster, at least one of a propensity to act or a recommendation selected from a predefined number of available options for a population based on the analysis scheme and the first data source.

Abstract: A secure mobile financial transaction is provided by receiving, over a communication network, a list of protection mechanisms available for implementation by an external terminal. Security-related data is received from one or more sensors and an attack signature is computed based on the security-related data. An appropriate security policy is selected from multiple security policies stored in a database based on the list of protection mechanisms and the attack signature. A secure communication session is established between the external terminal and an internal network component according to the selected security policy. A data message associated with a mobile financial transaction is communicated over the communication network during the communication session.

Abstract: The disclosed system may comprise a mainframe computing resource, a data library, a data processing appliance, and a distributed system. The data library may be securely connected to the mainframe computing resource. The data library may be configured to receive data from the mainframe computing resource via a first interface. The data processing appliance may be configured to read and write data to the data library via a second user interface. The distributed system may be configured to receive data from the data processing appliance. The distributed system may be further configured to process the data based on a workflow from the mainframe computing system.

Abstract: The disclosed system may comprise a mainframe computing resource, a data library, a data processing appliance, and a distributed system. The data library may be securely connected to the mainframe computing resource. The data library may be configured to receive data from the mainframe computing resource via a first interface. The data processing appliance may be configured to read and write data to the data library via a second user interface. The distributed system may be configured to receive data from the data processing appliance. The distributed system may be further configured to process the data based on a workflow from the mainframe computing system.

Abstract: A system is disclosed for allowing a merchant to create offers for distribution via multiple distribution channels. The distribution channels may include social media networks and location based services. The method may include receiving offer parameters for generating the offer, generating offer data based on the offer parameters and merchant transaction data, and determining data subsets of the offer data for distribution through multiple electronic distribution channels. The systems and methods may include associating a transaction account of the account holder with the offer, monitoring a transaction of the transaction account, comparing with a criterion governing the offer, and generating a report for the merchant. The report may include various metrics of the offer, such as return on investment, tracking information on the number of repeat customers and new customers during an offer period, and may occur approximately real-time with the transaction.

Abstract: A test script may be written in a test script configuration spreadsheet. A plurality of test scripts may be listed in a test suite spreadsheet. A user may hit a run key to execute all or any subset of the test scripts listed in the test suite spreadsheet. A test engine may read the test suite spreadsheet and the test script configuration spreadsheets to execute the test scripts on any platform or browser specified by the test suite spreadsheet.

Abstract: A system and method provide rewards or loyalty incentives to transaction account customers. The system includes a computing platform comprising application programming interfaces that enable users to define marketing programs. The system thus enables an efficient, automated and extensible platform for creating, managing and executing rewards and other marketing related programs.

Abstract: Customer online data is collected via script on customer computers and is communicated to a server hosted by an organization, such as a card issuer. The customer online data communicated to the server is non-personally identifiable information (non-PII). In turn, the server aggregates the non-PII customer online data from the set of participating merchants. The server associates the received non-PII customer online data with non-PII demographic data. Other non-PII transaction data, such as previous transactions processed at a card issuer, also can be associated with the non-PII customer online data and non-PII demographic data. These associations are, in turn, used to create reports and to provide services to help merchants or other requesting organizations develop online strategies to drive click thru and conversion rates.

Abstract: This disclosure relates to improving the efficiency and quality of real-time extracting, transforming, and/or loading data using customer information control system (CICS) interval control element (ICE) chain processing.

Abstract: A system and method provide rewards or loyalty incentives to card member customers. The system includes an enrolled card member customer database, an enrolled merchant database, a participating merchant offer database and a registered card processor. The enrolled card member customer database includes transaction accounts of card member customers enrolled in a loyalty incentive program. The enrolled merchant database includes a list of merchants participating in the loyalty incentive program. The participating merchant offer database includes loyalty incentive offers from participating merchants. The registered card processor receives a record for charge for a purchase made with an enrolled merchant by an enrolled card member customer and uses the record of charge to determine whether the purchase qualifies for a rebate credit in accordance with a discount offer from the enrolled merchant.

Abstract: A dynamic banner may be displayed in a merchant check out page sourced from a merchant server that may be customized to a particular user and/or merchant. The dynamic banner may be provided by a transaction account provider server and may invite the user to select an offer. In response to the user's interaction with the offer, the characteristics of the merchant check out page may be changed, for example, a product may be discounted, and/or a new transaction account may be issued to the user by the transaction account provider server and used to complete the checkout process via cross document messaging and cross domain scripting. In this manner, the merchant server and the transaction account provider server may interact with a user within a single web page.

Abstract: A method for generating a customized travel itinerary is disclosed. The method may comprise associating an individual with a travel sign based upon the results of a travel quiz; associating the individual with a travel location based upon the travel sign and a travel date; and associating the individual with an activity item based upon the travel sign. The method may additionally comprise receiving, by a mobile communication device, a travel itinerary comprising a plurality of travel locations; displaying, by the mobile communication device, a first travel location from the plurality of travel locations prior to a scheduled departure time for the first travel location; and displaying, by the mobile communication device, a second travel location from the plurality of travel locations prior to a scheduled departure time for the second travel location.

Abstract: The process includes receiving a data set comprising a plurality of rows and a plurality of columns, and applying a first rule based decisioning to the data set to generate a first layer of metadata that comprises at least one of a key, a type indicator, a categorical indicator, and/or a continuous indicator. The first layer of metadata may be descriptive of the data set. The processor may further apply a second rule based decisioning to the first layer to generate a second layer that includes at least one of the key, the type indicator, the categorical indicator, or the continuous indicator. The second layer may be descriptive of the first layer. The process may also include generating an output file from at least one of the first layer or the second layer.

Abstract: The present disclosure improves upon existing systems and methods by providing a tool for managing processing resources. For instance, the presently described tool may be used to time replacement, plan for uplifts, budget for uplifts/decommissioning of hardware, and/or maintain a plurality of servers. This tool may lead to increased satisfaction, uptime, and a reduction of unexpected costs. The system may include initiating collection of variables to compile a prioritized list of servers, executing, a calculation application for determining a prioritized list of servers' end of life targets based on both technical and business parameters based on the entered variables, and prioritizing uplifts of the servers based on the technical and the business parameters.

Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

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: A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.

Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.

Abstract: Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.