Abstract: A method for routing computer messages between parties is provided. The method is implemented using a message gateway computing system including a processor and a memory. The method includes receiving a message routing offer from a seller and representing an offer to process payment card transactions. The method also includes receiving a message routing request from a buyer. The method further includes first message route between the buyer party and a first seller party of the plurality of seller parties on a message processing network. The method also includes receiving a payment card transaction from the buyer party. The method further includes identifying the first message route associated with the payment card transaction. The method also includes transmitting the payment card transaction to the first seller party based at least in part on the first message route.

Abstract: A computerized method manages entity identifiers (EIDs) of data records in a database, including restricting and releasing EIDs associated with deactivated data record entities. An EID uniquely identifies the deactivated data record entity among a group of data record entities. The obtained EID is restricted from being assigned to another data record entity, and interaction data associated with the EID and deactivated data record entity is obtained. The interaction data is associated with interactions of the deactivated data record entity prior to deactivation. A release time of the EID is determined using the obtained interaction data. The EID is later released for assignment based on the determined release time and then assigned to a new data record entity. The dynamic calculation of the release time reduces the time intervals during which EIDs are restricted, and increases the rate at which EIDs can be reused with new data record entities.

Abstract: A system and method are provided for predicting small business behavior by analysis of consumer payment card transaction data. Transaction and amount velocity analysis of industry categories and/or real-time transaction-based profiling is employed to identify those consumer payment card accounts that are being inappropriately used to make small business purchases. A small business behavior predictor model is used to score transaction data and update cardholder profiles according to the likelihood that the transaction data represents small business activity.

Abstract: A system for conducting financial transactions is provided wherein payment cards have stored account information including a first portion readable by a first machine-readable technology and a second portion readable by a second different machine-readable technology. Terminals employing both of said first and second technologies are used to capture said card account information for conducting each such transaction.

Abstract: In a commercial transaction system, a system user uses a card device to interact with sales or transaction terminals to conduct cashless transactions. Each terminal processes data including a balance stored on the card device and updates the stored data at the end of the transaction. The system is specially designed for purchases of items or transactions of relatively small monetary value, where purchases are generally unattended by salespersons. In this manner, the amount of the transaction is deducted from the balance on the card device.In accordance with the invention, when the existing balance associated with the card does not cover the price of the transaction, the system provides an automatic renewal feature which automatically increases the balance of the card device by a predetermined amount. Such a feature allows the purchase to be made without inconveniencing the card user to increase the balance by other means.