Abstract: In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.

Abstract: The disclosed embodiments include systems and methods for representing consumer behavior. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive consumer transaction data associated with financial transactions occurring with a first merchant and financial transactions occurring with a second merchant. The one or more processors may also be configured to calculate a relative influence score between the first and second merchants based at least on the consumer transaction data, and generate a graphical representation of the first and second merchants and the relative influence score.

Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for enabling beta testing of new features within a native application. In one embodiment, a native application executed by a client device may include executable instructions that are activated and executed only upon indication of a user belonging to a beta test group. The client device may receive a signal from a service or content provider that includes test group information indicating whether a user is a member of a test group. The client device may process the received signal to determine whether the user is a member of a test group and, if so, activates and executes certain instructions received as part of the native application that define a user interface enabling access to additional functionality unavailable to a user determined not to be a member of a test group.

Abstract: Systems and methods are disclosed that provide credit card account switching processes. In certain embodiments, a card switch system is disclosed to automate or near-automate one or more processes for effectuating the switch of a credit card account from one card carrier to another. The system is configured to receive an indication to switch credit card accounts for a customer. Further, the system receives user cardholder data associated with at least one of the customer, the previous credit card account, or the new credit card account. The system is configured to identify, based on the received cardholder data, account information associated with the previous credit card account to associate with the new credit card account. Finally, the system is configured to transfer the identified account information to a system associated with the new credit card account.

Abstract: A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results.

Abstract: The disclosed embodiments include systems and methods for generating merchant recommendations for a user. In one embodiment, the disclosed embodiments may include one or more memory devices storing software instructions and one or more processors configured to execute the software instructions to perform operations consistent with the disclosed embodiments. In one aspect, the one or more processors may be configured to receive consumer transaction data associated with a plurality of consumer purchases from at least one data source and store the received consumer transaction data in the one or more memory devices. In another embodiment, the one or more processors may be configured to identify a plurality of merchant recommendations based on the stored consumer transaction data and one or more attributes associated with each of a plurality of merchants.

Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing business ratings. The disclosed embodiments include, for example, a system that may be configured to access spending transaction data including at least a unique payor identifier, a payee description, a payee category code, and a postal code. The system may determine a payee identification for the spending transaction data by comparing the spending transaction data to a plurality of known payees having the same payee category code as the spending transaction data. Further, the system may access one or more historical spending transactions matching the payee category code, and generate a business rating score for a payee associated with the determined payee identification based on at least the determined one or more historical spending transactions.

Abstract: The disclosed embodiments include methods and systems for providing predictive quality analysis. Consistent with disclosed embodiments, a system may receive input data associated with a software program and compare the input data with one or more predetermined analysis parameters. The system may further determine at least one risk rating based on the comparison, wherein each risk rating corresponds to a distinct software category. The system may perform additional operations, including determining at least one adjustment to the software program based on the determined at least one risk rating, and prioritizing the at least one adjustment based on a predetermined adjustment priority standard. Furthermore, the system may provide a report including at least an indication of the at least one prioritized adjustment, a timeline for implementing the at least one prioritized adjustment, and plan implementing the at least one prioritized adjustment.

Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts. The disclosed embodiments include, for example, a system for providing offers for accounts associated with a merchant. The system may be configured to receive a product identifier from a consumer, the product identifier identifying a product available from a merchant. The system may also determine whether the consumer has a current financial service account associated with the merchant. Further, the system may determine one or more incentives to offer the consumer, the one or more incentives being based at least in part on the product identifier.

Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.

Abstract: Systems and methods are provided for managing sales tax information. The information may be generated, for example, in connection with transactions involving financial accounts, such as a credit card account. The sales tax information may be received electronically from, for example, a merchant or a point of sale device. A determination may be made whether there is any missing sales tax information. If there is missing information a request may be generated and sent to a source having the information. The source may receive the request, retrieve the desired information, and transmit it to the requesting entity. The sales tax information may be stored and later retrieved for presentation to a user, such as the account holder. The account holder may use the information in completing a tax return.

Abstract: A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.

Abstract: A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

Abstract: A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader.

Abstract: A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line.

Abstract: A system and method in accordance with example embodiments may calculate a velocity of money associated with a particular account and a particular customer. Additionally, a system and method in accordance with example embodiments may calculate an overdraft risk score based on the velocity of money, where the overdraft risk score may be used to determine an overdraft protection limit for an account.

Abstract: Providing a financial investment fund includes receiving a plurality of individual funds corresponding to a plurality of investors respectively and aggregating the plurality of individual funds into an aggregated fund. Next, providing a financial investment fund includes purchasing a plurality of financial instruments from at least one financial institution with a first portion of the aggregated fund and placing a second portion of the aggregated fund in a transaction account. The financial investment fund may include at least the financial instruments and the transaction account. In addition, one of the at least one financial institution may use at least a portion of the first portion of the aggregated fund received in exchange for the plurality of financial instruments to perform a function of the financial institution.

Abstract: Product offering systems are provided. Product offering systems may include sending an offer to a customer that possesses a mobile computing device and has agreed to receive offers for products via the mobile computing device. Agreeing to receive offers would result in the unique data about the customer being available to offer provider. Unique customer data may include data related to the customers wireless service provider or from a financial account in a financial institution, and collecting customer data about the customer, wherein the customer data comprises financial data and personal data. Product offering systems may further include registering a wireless computing device of the customer to able the device to receive the offer, and determining opportunities to send the offer to the customer by monitoring the customer and the customer data. Product offering systems may also include sending the offer to the customer's registered device based on the determination of opportunities.

Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.

Abstract: A system and method in accordance with example embodiments for comprehensive sales and service data reporting. Sales and service events that take place at a front end branch of an enterprise may be input into a front end system and transmitted to a backend system where various modules then use the front end system data to generate various data and reports to display various data, such as, for example, sales incentive metrics and key performance indicators.