Abstract: A computer-based method for predicting consumer behavior is provided. The method is performed using a computer system coupled to a database. The method includes recording consumer data in the database for each consumer of a global population of consumers including historical purchases made by each consumer using a transaction card, defining a life event by assigning spending variables to the life event, determining a sample group of consumers that are experiencing the life event based on the consumer data stored within the database with respect to the spending variables, generating a predictive model based on historical purchases made by consumers within the sample group, and applying the predictive model to predict each consumer within the global population that will experience the life event. The predictive model is applied using the computer system. A list of consumers predicted to experience the life event within a predetermined time period is output.

Abstract: A computer-based method for predicting consumer behavior is provided. The method is performed using a computer system coupled to a database. The method includes recording consumer data in the database for each consumer of a global population of consumers including historical purchases made by each consumer using a transaction card, defining a life event by assigning spending variables to the life event, determining a sample group of consumers that are experiencing the life event based on the consumer data stored within the database with respect to the spending variables, generating a predictive model based on historical purchases made by consumers within the sample group, and applying the predictive model to predict each consumer within the global population that will experience the life event. The predictive model is applied using the computer system. A list of consumers predicted to experience the life event within a predetermined time period is output.

Abstract: Methods and systems for dynamically determining interchange fees. In an embodiment, an acquirer computer transmits a payment card account authorization request to a payment processing network, and receives an authorization response authorizing the transaction and comprising a spending history indication reflecting a compilation of spending history data of a group of payment card accounts that qualify for dynamic interchange rate setting.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: A method for associating transaction card accounts with life stage segments is described. The method includes analyzing survey results to define the plurality of life stage segments based on at least one of demographics, transaction categories, and card usage. The method further includes creating at least one spending profile for a life stage target group that includes transaction card holders within at least one of the defined life stages for which a marketing campaign is targeted, developing a survey-based life stage model based on the target group and the profiles, creating a transaction data-based life stage model by applying the survey-based life stage model to a portion of the transaction data, applying the transaction-based life stage model to the transaction data to identifies cardholder accounts included within the life stage target group, and ranking the transaction card accounts stored within the database based on a likelihood the accounts are included within the target group.

Abstract: A system, method, apparatus, means and computer program products for establishing, monitoring and maintaining spending controls in a payment system are provided.

Abstract: A system, method, apparatus, means and computer program products for establishing, monitoring and maintaining spending controls in a payment system are provided.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: Exemplary embodiments are directed to account management including reporting financial transactions to an account holder in a transaction reporting statement and automatic payment of open account balances. Consolidating reporting criteria and/or balance management criteria can be specified to customize reporting and/or payment of purchase transactions. The consolidated reporting criteria can be applied to transactions to identify amalgamable transactions, which can be consolidated into a consolidated transaction. The balance management criteria can include scheduling criteria and payment criteria and can be applied to open account balances to facilitate payment of open account balances.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: Exemplary embodiments are directed to processing Automated Teller Machine (ATM) transactions. A transaction request can be received from an ATM. The transaction request can include account information read from a transaction card and a transaction request. The account information corresponds to a first account. The transaction request is incapable of being processed using the first account for which the transaction card was issued. A second account belonging to the account holder of the first account can be identified and can be a different type of account than the first account. The transaction request is capable of being processed using the second account. The transaction request can be processed using the second account to perform the ATM transaction requested.

Abstract: The present invention facilitates access to a restricted service related to secure transactions via a network. The present invention allows a user to select a minimum security level of authentication for its own login to a restricted service. The user's selected minimum security level of authentication may be registered in an authentication method system, so that the user must use the selected minimum security level for authentication in order to gain access to the restricted service. Alternatively, the user may specify that the selected minimum security level for authentication may be over-turned by the user, or optionally re-set to a new authentication method depending on the needs of the user. As such, the present invention allows the user the flexibility to select its own authentication method for accessing a restricted service.

Abstract: The present invention provides a system and method for facilitating a transaction using a secondary transaction number that is associated with a cardholder's primary account. The cardholder provides the secondary transaction number, often with limited-use conditions associated therewith, to a merchant to facilitate a more secure and confident transaction.

Abstract: A method for processing a financial transaction using an interchange network computer coupled to a database is described. The transaction is initiated with a transaction card associated with a linked account. The method includes receiving, at the interchange network computer, a linked account data file for the first transaction card. The data file includes data associating the first card with a first secondary account and data linking the first secondary account to a first primary account. The method also includes storing the data file within the database and receiving a first authorization request message for the first transaction. The method also includes determining, based on data included within the first authorization request message, that the first card is associated with the first secondary account and processing the first authorization request message by applying at least one processing code associated with the first primary account to the first transaction.

Abstract: A computer-based method for predicting consumer behavior is provided. The method is performed using a computer system coupled to a database. The method includes recording consumer data in the database for each consumer of a global population of consumers including historical purchases made by each consumer using a transaction card, defining a life event by assigning spending variables to the life event, determining a sample group of consumers that are experiencing the life event based on the consumer data stored within the database with respect to the spending variables, generating a predictive model based on historical purchases made by consumers within the sample group, and applying the predictive model to predict each consumer within the global population that will experience the life event. The predictive model is applied using the computer system. A list of consumers predicted to experience the life event within a predetermined time period is output.

Abstract: An offeror offers a first plurality of payment device holders a first offer including a negotiated deal on a first ware, which is available for a first predetermined period of time. Those certain holders among the first plurality of payment device holders who wish to accept the first offer (“first offer accepting holders”) are registered. Registration includes obtaining at least personal identifying information and corresponding registered payment device account numbers for the first offer accepting holders. A first plurality of transactions are processed in accordance with the negotiated deal on the first ware. The first plurality of transactions are purchases of the first ware, by the first offer accepting holders, during the first predetermined period of time.