Abstract: An electronic method for managing transportation from an origin location, the method including the steps of: receiving an activity indicator including an activity location and an activity start time; identifying at least a first airport (or other origin location), the first airport being within a first threshold measurement of the activity location; and identifying at least a first departing flight (or other mode of transportation) associated with the at least the first airport, the identified at least a first departing flight associated with a flight arrival time and being at least between the origin location and the at least the first airport; wherein the flight arrival time of the at least the first identified departing flight is prior to the activity start time.

Abstract: An electronic method for managing transportation from an origin location, the method including the steps of: receiving an activity indicator including an activity location and an activity start time; identifying at least a first airport (or other origin location), the first airport being within a first threshold measurement of the activity location; and identifying at least a first departing flight (or other mode of transportation) associated with the at least the first airport, the identified at least a first departing flight associated with a flight arrival time and being at least between the origin location and the at least the first airport; wherein the flight arrival time of the at least the first identified departing flight is prior to the activity start time.

Abstract: The invention provides systems and methods within existing business and technology infrastructures and processes for facilitating an electronic transaction including payment by an account issuer to a merchant for online purchases by a consumer. The invention uses a web services model including request and response messages to provide simplified authentication and authorization through entry of the consumer's PIN, without the release of the consumer's account or billing information to the merchant. The invention reduces authorization processing, and reduces the transaction fees for online transactions, increasing the viability of lower value transactions.

Abstract: Transaction cards are provided, wherein said foldable transaction cards have internal hinge material disposed within the foldable transaction card and fold lines for folding the transaction cards. In addition, foldable transaction card systems are provided, whereby transaction cards, having the internal hinge material, are provided within housings, cases or carriers. Moreover, methods of making foldable transaction cards are provided.

Abstract: The present invention relates to a process for producing an transparent or translucent transaction device having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the device is visible through the device body. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or device manufacturing assembly line.

Abstract: The disclosed system allows a credit or charge card issuer to provide its card members with a list of merchants, products, services, vacation destinations or other offerings that might be of interest based on the purchases of similar card members. In one instance, this process looks at all card members that made purchases at a merchant and then it identifies all other merchants in the same category where those card members also made purchases. The associated merchants are ranked based on largest number of shared card members and the top results may be shared with card members or merchants in order to enhance promotions, card use and marketing.

Abstract: The present invention provides a computer program utility that may be employed in a COBOL programming environment to calculate the number of parameters passed from one program to another. The parameter counting utility may be called from a second program upon receiving a call with parameters from a first program. The parameter counting utility derives the number of parameters by examining the save area of a first program in relation to the save area of the second program which placed the call to the parameter counting utility. The parameter counting utility may then return the number of parameters to the calling program in the form of a variable.

Abstract: The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a transponder-reader system. The biometric security system also includes a smellprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a smellprint sensor. In another embodiment, the system includes a reader configured with a smellprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing smellprint samples to facilitate authorization of transactions.

Abstract: An embodiment of the present invention is a consolidated package for diverse platforms to interoperate and transfer data. It allows otherwise incompatible systems to communicate with each other, exchange information, and otherwise interact. An embodiment of the present invention translates requests for information into a predetermined format that can be transmitted from a first platform to a second platform. One embodiment may transfer the information in an XML format over the Internet using HTTP or HTTPS. The receiving computer translates the XML stream into a properly formatted request and finds the requested information. The requested information is translated into an XML stream and transmitted over the Internet using HTTPS. The information is then translated into a format that the requesting computer can use. The system and method described herein can be used to exchange data between two computing systems.

Abstract: Systems and methods utilizing a portal on a single computer platform for improving risk assessment and business reporting are disclosed. The portal integrates at least two financial information resources such as, for example, an electronic credit report (eCR) database, an electronic know your customer (eKYC) database, a client business management information system, and a customer profitability system large area network. The eCR database includes a link to an exposure database, a credit rating database, and/or an intelligence database. The eKYC database includes an anti-money laundering scoring module, and/or a standard KYC form or an enhanced KYC form.

Abstract: A system for updating a merchant customer account database is provided, wherein the system may be used to update a merchant's customer database in response to changes made to a customer transaction account. The system provides a remote database location which stores a merchant's customer transaction account information for customers using the transaction account for recurring billing purposes. A server is used to manage the remote database information to update the remote database in response to changes in transaction account information. The updated transaction account information is then periodically provided to the merchant for use in updating the merchant's customer account database.

Abstract: The present invention facilitates transactions by providing a limited use PIN that is associated with a primary account and/or PIN number, wherein the limited use PIN is presented to the merchant to initiate a transaction. More particularly, the system involves the process of registering a user (if not already pre-registered) to participate in a transaction system; generating a limited use PIN and issuing this number to the user, where the user presents this number to a merchant to complete a sales transaction; the merchant processing this limited use PIN, where the number is typically presented to the credit issuer to facilitate authorization. Additionally, the limited use PIN may also carry with it certain limitations-on-use conditions, where the transaction is not authorized unless these conditions are met. In generating a limited use PIN, the issuer generates a random number and associates this number with the user's primary charge account.

Abstract: A process for providing an RF module configured to convert a nontraditional transaction device for traditional transaction completion is disclosed. The RF module is placed in physical and logical communication with a microprocessor of a nontraditional transaction device for providing user account information to the microprocessor and for receiving data from a RFID reader, kiosk or personal computer. The microprocessor is configured to activate operation of the RF module prior to transaction processing. The RF module may also receive secondary identification information, such as, a PIN, voice recognition data or biometric data for secondary end user authentication. The RF module may also transmit user account data for transaction processing using a USB interface of the nontraditional transaction device.