Abstract: The present invention relates to a computer-implemented method of monitoring the performance of a computing device. The method comprises determining an actual device usage for processing a plurality of requests; obtaining a predicted device usage for processing the plurality of requests by inputting a request volume of the plurality of requests into a model of the operation of the computing device; comparing the actual device usage and the predicted device usage; selecting a margin of error for the predicted device usage; and raising an alert if the actual device usage is greater than the predicted device usage and the actual device usage is not within the margin of error.

Abstract: A method for evaluating adherence to funding rules includes: storing transaction data entries, each including a controlled payment number (CPN), a merchant category code, transaction date, and transaction data, where the CPN is subject to a first spend control setting a maximum spend amount during a predetermined time interval; identifying a group of transaction data entries that includes a transaction date within a predetermined period of time; identifying a subset of the group of transaction data entries where the merchant category code is one of a set indicated in a funding adherence rule; determining an adherence score for the CPN based on a ratio of a number of transaction data entries in the subset to a number of transaction data entries in the group; and modifying the first spend control to adjust the maximum spend amount based on the adherence score and funding adherence rule.

Abstract: Records of payment account transactions are stored. All the transactions pertain to a certain category of merchants and are performed by the same account holder. A request for a contactless payment account transaction is received from the account holder for a transaction with a merchant in that certain category. Outlier detection analysis is performed regarding the request based on the stored records of transactions. Based on a result of the analysis, it is determined whether to require PIN entry for the requested transaction.

Abstract: A method for providing an automatic threshold for payment card controls includes: storing historical data for financial transactions involving a payment card; receiving an automatic threshold request, the request including a threshold model and a card use control; identifying a use threshold associated with the card use control based on an application of the threshold model to the historical data; receiving an authorization request for a financial transaction involving the payment card, the request including transaction data related to the financial transaction; and identifying if the use threshold is exceeded based on the transaction data and the card use control, wherein if the use threshold is exceeded, transmitting an authorization response indicating the threshold has been or will be exceeded by the financial transaction, and, if the use threshold is not exceeded, transmitting, an authorization response indicating approval with respect to not exceeding the threshold of the financial transaction.