Abstract: A method and system include receiving a request to initiate a purchase transaction with a payment card product; generating a message to verify an authenticity of a cardholder of the payment card product, wherein the message includes a request for data about a previous transaction executed with the payment card product; receiving, in response to the generated message, input from the cardholder; comparing the input from the cardholder to stored data associated with the previous transaction; and one of confirming the cardholder as a true owner of the payment card product or denying the cardholder as the true owner of the payment card product based on the comparison. Numerous other aspects are provided.

Abstract: A method and system include receiving a request to initiate a purchase transaction with a payment card product; generating a message to verify an authenticity of a cardholder of the payment card product, wherein the message includes a request for data about a previous transaction executed with the payment card product; receiving, in response to the generated message, input from the cardholder; comparing the input from the cardholder to stored data associated with the previous transaction; and one of confirming the cardholder as a true owner of the payment card product or denying the cardholder as the true owner of the payment card product based on the comparison. Numerous other aspects are provided.

Abstract: Methods and systems may receive transaction information associated with a cardholder's multi-account payment identifier, the multi-account payment identifier being linked to: (i) a credit card account, (ii) a debit card account, (iii) a bank account, (iv) a pre-paid account, (v) a virtual wallet, and/or (vi) a retailer-branded account. A segmentation category of the cardholder may be determined based on prior transactions made with the multi-account payment identifier. The transaction information may be analyzed in substantially real time in accordance with at least one potential transaction rule associated with the cardholder. Based on the segmentation category and the analysis of the transaction information, a recommended account linked to the multi-account payment identifier may be determined, and it may be arranged for a recommendation message, including an indication of the recommended account, to be transmitted to the cardholder in substantially real time.