Abstract: An incentive program manager is provided for administering an incentive program encouraging public transport usage. The incentive program manager includes a processor, a memory including computer program code, and an input port. The input port is configured to receive an indication of usage of a public transport facility by a participant registered with the incentive program and an indication of usage of a private transport facility registered with the incentive program and owned by the participant. The memory and the computer program code are configured to, with the processor, cause the incentive program manager to: determine a reward to the participant for the usage of the public transport facility and a penalty for the usage of the private transport facility; provide data indicative of the determined reward and the determined penalty; and update a balance in a member account with the determined reward and the determined penalty.

Abstract: A system and method for identifying items purchased at a merchant is provided. The method includes receiving transaction data associated with a transaction of the consumer, the transaction data including a transaction amount and a merchant identifier associated with the merchant. Price information and tax information associated with the merchant are retrieved. A most likely item combination is selected based on a pre-tax total for the transaction and the price information.

Abstract: A computer-implemented method of detecting associated payment devices comprises: receiving, by a processor from a payment network, transaction data representing a plurality of transaction records, a transaction amount, a transaction time, a terminal identifier, and a result code indicating success or failure of a transaction; identifying from said transaction records a declined transaction associated with a first payment device identifier, and determining a terminal identifier and transaction amount associated with the declined transaction; identifying from said transaction records a subsequent transaction occurring within a predetermined window of the declined transaction, the subsequent transaction being associated with the same terminal identifier and the same transaction amount as the declined transaction, the subsequent transaction being associated with a second payment device identifier that is different from the first payment device identifier; and storing, in a database, an association between the sec

Abstract: A system for facilitating purchases from a plurality of merchants in a transport terminal comprises a database which is configured to store inventory data relating to items offered by merchants in the transport terminal, the inventory data for each item comprising a price in a first currency accepted by the corresponding merchant, and an available quantity of the item; and a booking module which is in communication with the database.

Abstract: The invention provides systems, methods and computer program products for automated electronic payments in connection with goods or services received from one or more merchants. In an embodiment, the invention enables generation of a payment authorization decision in connection with an automated bill payment, wherein said payment authorization decision is based on a determined variance between (i) an estimate of charges derived from update related data notifications received by a user and (ii) charges identified in a bill received from the merchant. In another embodiment, the invention enables updating an enrollment state of a merchant that has been previously enrolled for automated bill payments by a user, wherein said update is implemented responsive to detecting a change in state of a contract between a user and a merchant, and wherein said change in state is detected based on update related data notifications received by a user.

Abstract: A system and method for identifying items purchased at a merchant is provided. The method includes receiving transaction data associated with a transaction of the consumer, the transaction data including a transaction amount and a merchant identifier associated with the merchant. Price information and tax information associated with the merchant are retrieved. A most likely item combination is selected based on a pre-tax total for the transaction and the price information.

Abstract: According to a first aspect, there is provided a cross-border payment server comprising: at least one processor; at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the cross-border payment server at least to: that receive, from an account, an indication of a fund amount to finance cross-border transactions; calculate assets purchased by the fund amount; supply the account with the purchased assets; update the assets held in the account resulting from assets traded during each cross-border transaction involving the account; and effect a return of funds in response to sale of the assets held in the account.

Abstract: A system and method of tracking food consumption data for a payment cardholder is provided. The food consumption data is associated with restaurant food purchases made with a payment card, where each restaurant food purchase includes a transaction amount. The method includes comparing the transaction amount to a set of possible food order combinations totaling the transaction amount. A food order combination is selected that has a total price that matches the transaction amount. Nutritional information associated with each food item in the selected food order combination is retrieved and stored into a database.

Abstract: An incentive program manager is provided for administering an incentive program encouraging public transport usage. The incentive program manager includes a processor, a memory including computer program code, and an input port. The input port is configured to receive an indication of usage of a public transport facility by a participant registered with the incentive program and an indication of usage of a private transport facility registered with the incentive program and owned by the participant. The memory and the computer program code are configured to, with the processor, cause the incentive program manager to: determine a reward to the participant for the usage of the public transport facility and a penalty for the usage of the private transport facility; provide data indicative of the determined reward and the determined penalty; and update a balance in a member account with the determined reward and the determined penalty.

Abstract: An electronic system for splitting a transaction cost between multiple parties. The system comprises a processor configured to: receive transaction data from a payment card server, the transaction data relating to transactions performed using a payment card associated with a first user; on instruction by the first user, associate one or more other users with a group transaction identified from the transaction data along with an indication of a respective portion of the group transaction to be paid by each other user; transmit a payment authorization request to each other user for payment of the other user's respective portion of the group transaction; and upon authorization, receive confirmation of a transfer of funds equal to the other user's respective portion from a payment vehicle associated with the other user to a payment account associated with the first user.

Abstract: A routing system for use at a retail premise of a merchant is provided. The retail premise has a plurality of products located at a plurality of sub-regions of the retail premise and the routing system comprises: a routing engine component operable to receive, from a communication device of a consumer, an initial location corresponding to a current location of the consumer within the retail premise, and an offer engine component operable to generate a product offer associated with a said product; wherein the routing engine component is operable to: obtain a target location corresponding to a location of the said product within the retail premise, calculate a route of recommendation between the initial location and the target location based on a popularity score associated with a said sub-region of the retail premise, said popularity score being indicative of an amount of consumer traffic in the sub-region, and transmit the product offer and the route of recommendation to the communication device.

Abstract: A system and method for managing a wardrobe that enables a user to manage various aspects of his/her wardrobe. For example, a user may enter new articles in his/her wardrobe that, once entered, comprise an article of the user's actual and virtual wardrobe. The user may also ask for recommendations for an article or outfit to wear to a particular event or on a particular day. The user may browse his/her wardrobe remotely, which can be a big help when shopping to avoid duplicate articles or to buy new articles that are complementary to articles already in the wardrobe. The user may also manage his/her wardrobe by keeping track of which articles of clothing have been removed and/or replaced.

Abstract: A computer-implemented method for determining if a current wallet-based transaction initiated by a digital wallet user is fraudulent is provided. The method includes receiving current wallet-based transaction data relating to the current wallet-based transaction, and identifying one or more profile characteristics relating to a digital wallet owner based on the current wallet-based transaction data. The method further includes retrieving historical payment card transaction data based on the identified one or more profile characteristics. The method also includes comparing the current wallet-based transaction data and the historical payment transaction data to determine if the current wallet-based transaction is fraudulent.

Abstract: A system and method of tracking food consumption data for a payment cardholder is provided. The food consumption data is associated with restaurant food purchases made with a payment card, where each restaurant food purchase includes a transaction amount. The method includes comparing the transaction amount to a set of possible food order combinations totaling the transaction amount. A food order combination is selected that has a total price that matches the transaction amount. Nutritional information associated with each food item in the selected food order combination is retrieved and stored into a database.

Abstract: Systems and methods are provided for determining early-adopter payment accounts. One exemplary method generally includes accessing, by a computing device, product data for at least one target product including a product launch date for the at least one target product; accessing transaction data representative of multiple transactions to payment accounts; identifying, by a computing device, at least one of the multiple transactions as involving a purchase of the at least one target product; determining, by the computing device, an interval between the purchase of the at least one target product and the product launch date for the at least one target product; and appending, by the computing device, the payment account associated with the purchase of the at least one target product to an early-adopter segment based on the determined interval satisfying an early-adopter threshold.

Abstract: An automatic method and computerized network is provided to provide physical currency to an individual who desires it. The individual submits a request for physical currency, and is automatically provided with sufficient information to meet a currency-provider (an individual or a company) who is willing to provide the physical currency to the individual in exchange for a payment being made to a payment account associated with the currency-provider. In this way, the individual is able to obtain physical currency even in the absence of an ATM. Accordingly, the need for financial institutions to provide ATMs is reduced, and the costs associated with providing ATMs can be saved.

Abstract: A computer-implemented method is proposed for performing commercial transactions relating to or purchased from a vehicle. The method comprises: a merchant server identifying a vehicle in relation to which the transaction is to be performed and a digital wallet associated with the vehicle and sending a payment request to a wallet service associated with the digital wallet; the merchant server receiving authentication of the payment request from the wallet service and details of a user-specified payment mechanism stored in the digital wallet; and the merchant server transmitting the details of the payment mechanism along with details of the transaction to a payment network to complete the transaction.

Abstract: A computer-implemented method for predicting purchasing behaviour of digital wallet users for wallet-based transactions made by the digital wallet users is provided. The method includes identifying payment card users having a profile characteristic that matches the profile characteristic of the digital wallet users. The method also includes retrieving historical transaction data by querying a transaction database, wherein the historical transaction data relates to a plurality of historical transactions settled for the identified payment card users. The method further includes identifying, from the retrieved historical transaction data, transaction information of the identified payment card users to derive purchasing behaviour of the identified payment card users. The method also includes predicting the purchasing behaviour of the digital wallet users for wallet-based transactions made by the digital wallet users, based on the derived purchasing behaviour of the identified payment card users.

Abstract: A computer system and method for determining a cardholder location during Card Not Present (CNP) transaction. The system comprises first, second and third databases, and a location engine comprising a processor operable by instructions stored in memory that, when executed by the processor, cause the processor, during use of the payment card during a CNP transaction with a first one of the plurality of merchants determine the location of the cardholder during the CNP transaction.

Abstract: A vehicle telematics system for policing general road users and vehicles comprising a detector coupled to a telematics server and a central policing system is disclosed. Telematics information relating to a vehicle will be used to determine if the vehicle is outside predefined safe driving parameter ranges. When the vehicle is determined to be operating outside predefined safe driving parameter ranges, this vehicle operation, together with the identifying information and location information of the vehicle, will be sent to the central policing system, which in turn, will be broadcasted to police vehicles located near the vehicle concerned.