Abstract: The method includes receiving historical data from a first data source; analyzing the historical data for a desired characteristic; determining a representative value for the desired characteristic of the historical data; determining a first data expectation for the historical data based on the representative value; transmitting the first data expectation to a first data recipient; receiving first incoming data from the first data source; analyzing the desired characteristic of the first incoming data; determining a first incoming data value for the desired characteristic for the first incoming data; comparing the first incoming data value and the representative value; determining a first difference between the first incoming data value and the representative value; and/or comparing the first difference to a difference threshold which indicates whether a difference between an incoming data value and the representative value is significant.

Abstract: The method includes receiving historical data from a first data source; analyzing the historical data for a desired characteristic; determining a representative value for the desired characteristic of the historical data; determining a first data expectation for the historical data based on the representative value; transmitting the first data expectation to a first data recipient; receiving first incoming data from the first data source; analyzing the desired characteristic of the first incoming data; determining a first incoming data value for the desired characteristic for the first incoming data; comparing the first incoming data value and the representative value; determining a first difference between the first incoming data value and the representative value; and/or comparing the first difference to a difference threshold which indicates whether a difference between an incoming data value and the representative value is significant.

Abstract: A system and method for spending loyalty points over a computerized network to facilitate a loyalty point transaction is disclosed. The system enables a participant of a loyalty program to accept an advance of loyalty point when a loyalty account balance is insufficient to make a desired purchase. An amount of loyalty points available as an advance to a participant is determined based on a number of criteria related to the participant, financial account activity, and loyalty account activity. The participant is allotted a predetermined length of time to earn or purchase enough loyalty points to repay the balance of advanced loyalty points. If, at the conclusion of such predetermined length of time, sufficient points have not been earned to offset the loyalty point advance, the participant is charged the currency value of each outstanding loyalty point.

Abstract: A system and method for spending loyalty points over a computerized network to facilitate a loyalty point transaction is disclosed. The system enables a participant of a loyalty program to accept an advance of loyalty point when a loyalty account balance is insufficient to make a desired purchase. An amount of loyalty points available as an advance to a participant is determined based on a number of criteria related to the participant, financial account activity, and loyalty account activity. The participant is allotted a predetermined length of time to earn or purchase enough loyalty points to repay the balance of advanced loyalty points. If, at the conclusion of such predetermined length of time, sufficient points have not been earned to offset the loyalty point advance, the participant is charged the currency value of each outstanding loyalty point.