Abstract: A computer-implemented method for processing test financial transactions that includes accessing, via a remote-control server, transaction data corresponding to a test run. The transaction data is transmitted via the remote-control server and received at a mobile application API of an electronic device. The transaction data is passed to a payment application of the electronic device. A cryptogram corresponding to the transaction data is generated via the payment application and transmitted for submission to a payment network. A transaction response corresponding to the test run is received at the remote-control server.

Abstract: An economic performance forecasting system includes computer storage configured to store payment card transaction records. A computer processor is configured to access the computer storage and determine from the stored payment card transaction records a total (TToDate) of transaction amounts for transaction records having a transaction date and a process date during a current period as of a current date. The processor determines from the stored payment card transaction records a total (PToDate) of transaction amounts for transaction records having a transaction date in prior period and having a process date equal to or earlier than a prior date. The computer processor determines a relationship between TToDate and PToDate.

Abstract: Reference equipment including a reference card and a reference reader is provided for testing electronic payment devices such as cards and card readers. The reference equipment includes reference cards and reference readers that respectively can be used to verify compliance of product cards and product readers with product specifications The product specifications may, for example, be the ISO 14443 Standard specifications which are commonly accepted in the electronic payment industry The reference equipment is designed to enhance interoperability of product payment devices whose functional behaviors may vary because of vendor customization of device specifications or due to manufacturing tolerances In some embodiments, the reference equipment includes a reference card for testing card readers The exemplary reference card can comprise a current mirror to permit an electronically adjustable variable load using an external controller The reference card electronic circuit can exhibit variable load conditions.

Abstract: A social media location posting system a payment card transaction authorization processor and a location posting service processor. The payment card transaction authorization processor is configured to receive over a network a payment card transaction authorization request for a cardholder and store in a computer storage file associated with the cardholder payment card transaction data included in the authorization request. The location service processor is configured to post over the network at least a portion the payment card transaction data stored in the file associated with the cardholder to a social media site associated with the cardholder.

Abstract: A targeted television advertising system includes a modeling processor and an identification processor. The modeling processor is configured to model purchasing behavior of a selected television service subscriber using a payment card transaction database. The identification processor is configured to identify television advertising messages that may appeal to the selected television service subscriber based upon the modeled purchasing behavior.

Abstract: A payment card transaction clearing system includes a payment card network. A file distribution system coupled to the payment card network includes a split processor configured to receive a batch of payment card transaction records from the payment card network, and split the batch of payment card transactions into one or more split files according to one or more processing agreements. A split monitor processor is configured to send the one or more split files to the payment card network.