Abstract: A shopping cart interchange system and a method for its use in which the shopping cart interchange stores information about the user of a global shopping cart, establishes at least one category for a project to be completed, assists in shopping for at least one item to place in the category for possible purchase, assists in paying for an item that the user purchases, and determines how a purchased item will be shipped. Data can be accessed to facilitate international purchases. The shopping cart interchange can be used to access a web site established by the global shopping cart. Social media may be linked to the site so that the owner or an invitee can use the shopping cart interchange to upload general comments, comments on items selected for purchase for the project, links to web pages, images, audio files and video files.

Abstract: A data management system for use in a global shopping cart and a method for its use are provided. The global shopping cart includes a storage medium having thereon computer instructions for implementing one or more functions of the global shopping cart, and a processor for executing the computer instructions to provide functions including management of data relationships between the global shopping cart and data management access components. The global shopping cart has a flexible application programming interface (API) framework sufficient to support the management of data relationships between the global shopping cart and data access components.

Abstract: A payment device, method, and apparatus configured to parse customer exclusive data from a payment device or financial transaction data.

Abstract: A method for distributing a controlled payment number includes: storing a financial account, the account including a payment card number and a beneficiary; offering a controlled payment number, wherein the number can be controlled based on at least one of a plurality of payment card use conditions; receiving, from the beneficiary, a request for a controlled payment number, the request including an indication of at least one payment card use condition; transmitting the payment card number and the at least one payment card use condition; receiving a controlled payment number associated with the at least one payment card use condition; associating the controlled payment number with the financial account; and distributing the controlled payment number, wherein the controlled payment number is subject to the at least one payment card use condition and the payment card number is not subject to the at least one payment card use condition.

Abstract: A method for processing a reservation includes: receiving reservation information, the information including a consumer identifier, merchant identifier, payment information, and a date and/or time; storing the information; transmitting the consumer identifier and the date and/or time to a merchant associated with the merchant identifier; identifying fulfillment of the reservation; and transmitting the information for payment of a transaction.

Abstract: A method for processing a reservation includes: receiving reservation information, the information including a preauthorization amount, payment information, merchant identifier, and predetermined period of time; storing the information; identifying a unique identifier associated with the information; transmitting the unique identifier and predetermined period of time to a merchant associated with the merchant identifier; receiving data identifying, within the predetermined period of time, fulfillment of the reservation; and transmitting the information for payment of a transaction using the payment information.

Abstract: A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.

Abstract: A data mining device, method, and apparatus configured to associate customer exclusive data from a payment card or device after a financial transaction. A financial transaction processing system comprises a report distribution management system, a data relationship manager, and a customer exclusive data association database. The report distribution management system receives financial transaction data. The data relationship manager determines an issuer associated with the financial transaction data, queries a subscription database for subscription data associated with the issuer and a core database for the issuer processing parameters. The processing parameters are applied to the financial transaction data and the subscription data. A customer exclusive data association database is updated with the financial transaction data once the processing parameters are applied.

Abstract: A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.

Abstract: A data mining device, method, and apparatus configured to associate customer exclusive data from a payment card or device after a financial transaction. A financial transaction processing system comprises a report distribution management system, a data relationship manager, and a customer exclusive data association database. The report distribution management system receives financial transaction data. The data relationship manager determines an issuer associated with the financial transaction data, queries a subscription database for subscription data associated with the issuer and a core database for the issuer processing parameters. The processing parameters are applied to the financial transaction data and the subscription data. A customer exclusive data association database is updated with the financial transaction data once the processing parameters are applied.

Abstract: A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.

Abstract: A data mining device, method, and apparatus configured to associate customer exclusive data from a payment card or device after a financial transaction. A financial transaction processing system comprises a report distribution management system, a data relationship manager, and a customer exclusive data association database. The report distribution management system receives financial transaction data. The data relationship manager determines an issuer associated with the financial transaction data, queries a subscription database for subscription data associated with the issuer and a core database for the issuer processing parameters. The processing parameters are applied to the financial transaction data and the subscription data. A customer exclusive data association database is updated with the financial transaction data once the processing parameters are applied.

Abstract: A data mining device, method, and apparatus configured to associate customer exclusive data from a payment card or device after a financial transaction. A financial transaction processing system comprises a report distribution management system, a data relationship manager, and a customer exclusive data association database. The report distribution management system receives financial transaction data. The data relationship manager determines an issuer associated with the financial transaction data, queries a subscription database for subscription data associated with the issuer and a core database for the issuer processing parameters. The processing parameters are applied to the financial transaction data and the subscription data. A customer exclusive data association database is updated with the financial transaction data once the processing parameters are applied.

Abstract: A method of testing a payment device reader includes receiving data from the payment device reader, combining the received data with data for a first testing scenario, transmitting the combined data to a payment processor, receiving an authorization decision from the payment processor, and displaying the results of the authorization decision on a display. The first testing scenario is selected from a plurality of testing scenarios stored in the computer readable storage medium. Each of the plurality of testing scenarios includes data for emulating a device for performing a financial transaction located at one of a merchant, an acquirer, or an issuer.

Abstract: A payment device, method, and apparatus configured to parse customer exclusive data from a payment device or financial transaction data.

Abstract: A payment device, method, and apparatus configured to store customer exclusive data on to a payment card or payment device.

Abstract: A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each payment device form factor.

Abstract: A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing.