Abstract: Systems and methods are provided for implementing an interactive loyalty reward program for transactions conducted at transaction terminals, for instance, consumer purchase transactions conducted at a point-of-sale terminal. The system includes a server configured to monitor and identify qualifying transactions under the reward program. The server also coordinates operation of consumer-facing devices accessible to the consumer at the point-of-sale. The consumer-facing devices include an interactive value generator (IVG), which is configured to provide a game-like experience to consumers and interactively generates unspecified reward values for qualifying transactions. A loyalty reward application executing on the transaction terminal is also provided to guide consumer interaction with the IVG and communicate the generated reward values to the server.

Abstract: A system, method, and computer-readable storage medium configured to verify minimum age of accountholders, to enable age restrictions on purchases.

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 system and method is disclosed for the real-time active surveillance of disease. The system generates an outbreak detection model by analyzing the spending records of individuals who are known to be infected to identify purchases and purchase patterns that correlate to infection in the population with a disease. Based on the identified purchases, the system generates probabilistic identification criteria and merges the criteria to simulation models of infection spread by geography to generate a geospatial outbreak detection model. The system applies the generated model to spending records, in real time, to identify and monitor disease spread in the population. The system can also generate alerts if the likelihood that an individual is infected, or one or more individuals in a set or population is infected exceeds a threshold. Actions are taken at remote devices, such as mobile phones, computers and POS terminals in certain embodiments.

Abstract: Systems and methods are provided for implementing an interactive loyalty reward program for transactions conducted at transaction terminals, for instance, consumer purchase transactions conducted at a point-of-sale terminal. The system includes a server configured to monitor and identify qualifying transactions under the reward program. The server also coordinates operation of consumer-facing devices accessible to the consumer at the point-of-sale. The consumer-facing devices include an interactive value generator (IVG), which is configured to provide a game-like experience to consumers and interactively generates unspecified reward values for qualifying transactions. A loyalty reward application executing on the transaction terminal is also provided to guide consumer interaction with the IVG and communicate the generated reward values to the server.

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: Systems and methods for providing consumers with mood-based advertisements and coupons according to diagnostic measurements are described. A mood of a consumer is determined utilizing diagnostic measurement(s) received through a consumer's portable device. An advertisement or coupon for a product affiliated with a mood correlative with the consumer's mood is selected and transmitted to the consumer's portable consumer device. The mood affiliated with the product of an advertisement or coupon may be based upon historic consumer purchasing.

Abstract: A method for predictive modeling of consumer immigration includes: storing transaction messages, each including a common primary account number, a merchant country, an issuer country, a transaction date, and additional data elements; identifying a first subset of transaction messages where the merchant is different from the issuer country; identifying a second subset of transaction messages where the merchant country is the same as the issuer country; determining, by the processing device of the processing server, an immigration date based on a comparison of a transaction frequency of transaction messages in each of the first subset and the second subset; identifying purchase behaviors based on data stored in each transaction message where the transaction date is earlier than the immigration date; and generating a predictive model configured to be applicable to transaction data to determine a likelihood of immigration based on the purchase behaviors.

Abstract: A method includes receiving transaction data from a payment network. The transaction data may represent payment account transactions. A subset of the transaction data may be associated with a district in an urban area. A summary characteristic of the district may be generated on the basis of the subset of transaction data associated with the district. The district may be represented by a color or a shade on a map. The map may be transmitted to a user's mobile device.

Abstract: A method for assisted declaration of goods at customs includes: storing, in a mobile communication device, algorithms associated with the calculation of a duty amount based on rules or regulations; receiving, by the mobile communication device, a plurality of transaction data entries, each entry being related to a payment transaction involving a consumer and including transaction data; identifying, in the mobile communication device, at least one transaction data entry involving the purchase of one or more declarable goods based on the rules or regulations; calculating, by the mobile communication device, a duty amount based on application of the rules or algorithms to the transaction data included in the identified at least one transaction data entry; and transmitting, by the mobile communication device, the calculated duty amount.

Abstract: A system, method, and computer-readable storage medium configured to verify minimum age of accountholders, to enable age restrictions on purchases.

Abstract: A system and method is disclosed for determining an optimized sequence of visits by a consumer to a plurality of merchant locations irrespective of travel distance. The system is configured to receive, from the consumer, errand data including start time and start and finish location and a plurality of merchant locations to visit. The system also generates one or more models for predicting visit durations the merchant locations as a function of time using transaction data and location data associated with a plurality of consumers that previously visited the merchant locations. Based on the generated models, and current and historical travel/traffic information and the errand data, the system generates an optimized sequence of visits for the consumer.

Abstract: A system and method is disclosed for determining an optimized sequence of visits by a consumer to a plurality of merchant locations irrespective of travel distance. The system is configured to receive, from the consumer, errand data including start time and start and finish location and a plurality of merchant locations to visit. The system also generates one or more models for predicting visit durations the merchant locations as a function of time using transaction data and location data associated with a plurality of consumers that previously visited the merchant locations. Based on the generated models, and current and historical travel/traffic information and the errand data, the system generates an optimized sequence of visits for the consumer.

Abstract: A method for suppressing payment transactions based on industry classification includes: storing an account profile, the profile including data related to one or more transaction accounts including a plurality of industry thresholds, each industry threshold being associated with a merchant industry; receiving an authorization request for a payment transaction, the request including a transaction amount and a merchant identifier associated with a merchant involved in the payment transaction; identifying a specific merchant industry associated with the merchant involved in the payment transaction based on the merchant identifier; processing the payment transaction if the transaction amount does not exceed an industry threshold associated with the specific merchant industry; and transmitting an authorization response declining the payment transaction if the transaction amount exceeds the industry threshold associated with the specific merchant industry.

Abstract: A system and method is disclosed for the real-time active surveillance of disease. The system generates an outbreak detection model by analyzing the spending records of individuals who are known to be infected to identify purchases and purchase patterns that correlate to infection in the population with a disease. Based on the identified purchases, the system generates probabilistic identification criteria and merges the criteria to simulation models of infection spread by geography to generate a geospatial outbreak detection model. The system applies the generated model to spending records, in real time, to identify and monitor disease spread in the population. The system can also generate alerts if the likelihood that an individual is infected, or one or more individuals in a set or population is infected exceeds a threshold. Actions are taken at remote devices, such as mobile phones, computers and POS terminals in certain embodiments.

Abstract: A method for customizing product packaging based on consumer behavior includes: reading, by a reading device, payment card data corresponding to a payment card associated with a specific consumer, wherein the payment card data includes at least a specific consumer identifier associated with the specific consumer; transmitting, by a transmitting device, a content request, wherein the content request includes at least a package type associated with a product being purchased and the specific consumer identifier; receiving, by a receiving device, a printable content item, wherein the printable content item is based on at least the package type and consumer behavioral data associated with the specific consumer; and printing, by a printing device, packaging for the product being purchased, wherein the printed packaging is and/or includes the received printable content item and is configured to house the product being purchased.

Abstract: A method for displaying targeted content on an article of clothing includes: storing a plurality of consumer profiles, each consumer profile including a consumer identifier and consumer behavioral data; storing a plurality of content profiles, each content profile including data related to a visual content item including one or more selection criteria; reading payment card data corresponding to a payment card associated with a specific consumer, the payment card data including a specific consumer identifier associated with the specific consumer; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; identifying a specific content profile based on the one or more selection criteria and the consumer behavioral data included in the identified specific consumer profile; and transmitting the visual content item included in the identified specific content profile for display on an article of clothing directed toward the specific consumer.

Abstract: A method for distributing targeted content includes: storing content profiles, each including a content item and selection criteria; storing account profiles, each including data related to an account including an account identifier and transaction data entries including transaction data corresponding to a transaction involving the account; storing consumer profiles, each including an account number and transit identifier; receiving a transaction notification corresponding to a transportation transaction involving a consumer and including a specific transit identifier; identifying a specific consumer profile where the included transit identifier corresponds to the specific transit identifier; identifying a specific account profile where the account identifier corresponds to the account number of the specific consumer profile; identifying a specific content profile based on the included selection criteria and the transaction data of the transaction data entries of the specific account profile; and transmitting