Abstract: A method is provided comprising aggregating, at a first node, transactional data and a transaction identification code associated with a consumer and a transaction, and historical transactional data associated with the consumer to form a transactional profile. The method further comprises calculating, at the first node, a characteristic of the consumer based upon the transactional profile, and determining, at the first node, a business strategy for dealing with the consumer based upon the characteristic.

Abstract: The present disclosure includes a system, method, and article of manufacture for spend based targeting. In various embodiments, the system may transmit, to a third party system, a spend data file associating a first party cookie ID with spend data, as well as a first party cookie ID and/or a third party cookie ID to a web client. The web client may transmit the first party cookie ID and/or the third party cookie ID to the third party system, and the third party system may generate a look alike model for targeting advertisements to the web client based on the spend data file and clickstream data associated with the web client. In various embodiments, the third party system may match the third party cookie ID with the first party cookie ID in the spend data file, which may associate a customer with a segment.

Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.

Abstract: A method is provided comprising aggregating, at a first node, transactional data and a transaction identification code associated with a consumer and a transaction, and historical transactional data associated with the consumer to form a transactional profile. The method further comprises calculating, at the first node, a characteristic of the consumer based upon the transactional profile, and determining, at the first node, a business strategy for dealing with the consumer based upon the characteristic.

Abstract: The present disclosure includes a system, method, and article of manufacture for spend based targeting. In various embodiments, the system may transmit, to a third party system, a spend data file associating a first party cookie ID with spend data, as well as a first party cookie ID and/or a third party cookie ID to a web client. The web client may transmit the first party cookie ID and/or the third party cookie ID to the third party system, and the third party system may generate a look alike model for targeting advertisements to the web client based on the spend data file and clickstream data associated with the web client. In various embodiments, the third party system may match the third party cookie ID with the first party cookie ID in the spend data file, which may associate a customer with a segment.

Abstract: Systems and methods are configured to manage data sets associated with a financial transaction instrument. For example, a method is provided for facilitating the management of data sets on a financial transaction instrument that is issued by an issuer. The method includes the steps of: adding, by a first owner, a first data set to the financial transaction instrument, wherein the first data set is owned by a first owner; adding, by a second owner, a second data set to the financial transaction instrument, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction instrument. The first and second data sets may each be stored as a Block of Binary. Furthermore, the first data set may be updated and/or deleted from the financial transaction instrument.

Abstract: A system for generating business insights is disclosed. The method may comprise analyzing internal data based upon a merchant request, generating a business insight based upon the analysis of the internal data and the merchant request, wherein the business insight is in a category of at least one of: customer intelligence, competitive intelligence, and market intelligence, and transmitting the business insight to a merchant associated with the merchant request. Customer intelligence may comprise information about a customer's spending behavior, demographics, and lifestyle characteristics. Likewise, competitive intelligence may comprise information about the competitive performance of the merchant, customer loyalty trends associated with the merchant, and market share of the merchant, and market intelligence may comprise market demographics, growth drivers, and industry-wide trends. Internal data may comprise data a credit issuer possesses pertaining to a particular consumer.

Abstract: The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a smartcard-reader system. The biometric security system also includes a smellprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured with a smellprint sensor. In another embodiment, the system includes a reader configured with a smellprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing smellprint samples to facilitate authorization of transactions.

Abstract: The present invention discloses a method for facilitating biometric security in a smartcard-reader transaction system by proffering a biometric. The biometric may be proffered to a biometric sensor communicating with the smartcard-reader system. Proffering the biometric initiates verification of the biometric sample and facilitates authorization of a transaction.

Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Abstract: The present invention discloses system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Abstract: The present invention discloses a method for registering biometric information for use in a smartcard-reader system. The method comprises the steps of contacting an authorized sample receiver and submitting a biometric to a sensor to facilitates the sensor in obtaining a biometric sample. The method also includes providing user information and smartcard information to the smartcard-reader system to facilitate associating the biometric sample with the user and smartcard information.

Abstract: The present invention discloses a system and methods for biometric security using smellprint recognition biometrics in a smartcard-reader system. The biometric security system also includes a smellprint sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured with a smellprint sensor. In another embodiment, the system includes a reader configured with a smellprint sensor. In yet another embodiment, the present invention discloses methods for proffering and processing smellprint samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using biometrics in a smartcard-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Abstract: A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Abstract: A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

Abstract: The present invention discloses a method for registering biometric information for use in a smartcard-reader system. The method comprises the steps of contacting an authorized sample receiver and submitting a biometric to a sensor to facilitates the sensor in obtaining a biometric sample. The method also includes providing user information and smartcard information to the smartcard-reader system to facilitate associating the biometric sample with the user and smartcard information.

Abstract: The present invention discloses a system and methods for biometric security using keystroke scan biometrics in a smartcard-reader system. The biometric security system also includes a keystroke scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a smartcard configured with a keystroke scan sensor. In another embodiment, the system includes a reader configured with a keystroke scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing keystroke scan samples to facilitate authorization of transactions.