Abstract: A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.

Abstract: A method for communicating an index of service performance based on gratuity value includes: storing transaction messages, each including a merchant identifier associated with a merchant involved in the related payment transaction, a transaction amount, and addendum data; receiving a data request including a specific merchant identifier; identifying a subset of transaction messages that includes the specific merchant identifier; identifying a tip amount for each transaction message in the by (i) extracting the tip amount from the addendum date, or (ii) calculating the tip amount based on the transaction amount stored respective transaction message and a transaction amount stored in a matching clearing record; calculating an average gratuity index for a merchant associated with the specific merchant identifier as an average of the identified tip amounts; and transmitting the calculated average gratuity index in response to the data request.

Abstract: A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.

Abstract: A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.

Abstract: Methods, apparatus and systems, the method including receiving, by a processor of a consumer mobile device, a request from a user for a purchase pre-authorization; receiving, by a biometric input component of the consumer mobile device, biometric data that uniquely identifies the user; sending a representation of the biometric data to a pre-purchase authentication server; receiving, by the mobile device processor from the pre-purchase server, a message including a unique code, the unique code being associated with a payment card account of the user and valid to use to authorize future purchase transactions using the payment card account for a finite period of time and a specific amount of funds of the payment card account; and displaying, on a display screen component of the consumer mobile device in response to the request, the unique code.

Abstract: A system for identifying an ideal airport security arrangement based on cost-effectiveness. The system storing a plurality of passenger wait times and receiving a personnel cost for each n for a transportation center. The system further receiving a plurality of transaction data entries and determining an average number of passengers of the transportation center based on at least the transaction data included in each received transaction data entry. The system identifying an average time-based value for passengers of the transportation center based on passenger income and calculating an operation cost for each n based on at least a combination of the respective personnel cost and passenger value as a product of the respective passenger wait time, average number of passengers, and average time-based value. The system determining an ideal number of security personnel based on the calculated operation cost for each n number of security personnel.

Abstract: A method and system for estimating individual propensity to use airport support services, comprising: receiving at least a first data element configured to store a specific primary account number and an addendum configured to store travel data; executing a query on a transaction database to identify a subset of transaction messages; identifying a projected level of needed airport support services propensity to use long-term parking based on at least the travel data; identifying an entity associated with needed airport support services associated with the travel transaction based on at least the travel data stored in the addendum included in the received transaction message; and transmitting the identified projected level of needed support services.

Abstract: A method for monitoring for unwanted recurring transactions includes: storing account profiles, each including a primary account number, communication details, and transaction data entries having data related to a completed transaction including a paid amount, merchant identifier, and indication of being a recurring or non-recurring transaction; receiving a transaction message related to a payment transaction, the transaction message including a specific primary account number, transaction amount, specific merchant identifier, and indication of a recurring payment transaction; identifying a specific account profile that includes the specific primary account number; determining a likelihood of an unwanted recurring payment based on a lack of transaction data entries in the specific account profile that include the specific merchant identifier and an indication of being a recurring transaction; and transmitting a notification to a computing device based on the communication details included in the identified sp

Abstract: Systems and methods for identifying information providers based on user queries are provided. The method includes receiving a user query including a request for information regarding intended travel from a query capture application, processing the user query to identify query travel characteristics associated with the request for information, receiving a plurality of transaction data, and identifying a plurality of past travel transactions from the transaction data based on a set of travel indicators associated with each past travel transaction. The method further includes applying a matching algorithm to the past travel transactions and the user query to identify a list of traveler cardholders capable of responding to the user query, identifying a first traveler cardholder user device, causing the request for information to be displayed on the first traveler cardholder user device, and causing a travel response to the request for information to be displayed on a querying user device.

Abstract: A method for communicating an index of service performance based on gratuity value includes: storing transaction messages, each including a merchant identifier associated with a merchant involved in the related payment transaction, a transaction amount, and addendum data; receiving a data request including a specific merchant identifier; identifying a subset of transaction messages that includes the specific merchant identifier; identifying a tip amount for each transaction message in the by (i) extracting the tip amount from the addendum date, or (ii) calculating the tip amount based on the transaction amount stored respective transaction message and a transaction amount stored in a matching clearing record; calculating an average gratuity index for a merchant associated with the specific merchant identifier as an average of the identified tip amounts; and transmitting the calculated average gratuity index in response to the data request.

Abstract: A method for analyzing geographical pricing for products using transaction data includes: storing product data entries, each including data related to a product including a product identifier and a plurality of price values, each associated with a geographic area; receiving a transaction message for a payment transaction including a geographic location and addendum data, the addendum data being configured to store a specific product identifier and associated an associated price; extracting the specific product identifier and associated price stored in the addendum data; executing a query on the product database to identify a specific product data entry that includes the extracted specific product identifier; and updating a specific price value of the plurality of price values included in the identified specific product data entry in the product database associated with a geographic area including the geographic location based on the extracted associated price.

Abstract: A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.