Abstract: An on-demand ecosystem (ODE) computing device for integrating on-demand delivery services with purchase transactions is provided. The ODE computing device receives item data from a registered merchant, and receives availability data from at least one registered carrier. The ODE computing device further provides a searchable interface that enables a user to search for item data from the registered merchant, and receives a selected item from the user via the searchable interface. The selected item is offered for sale by the registered merchant and includes a selected pick-up location. The selected item is to be delivered to the user from the selected pick-up location. The ODE computing device also allows either the registered merchant or the user to select one of the at least one registered carriers, and processes a payment transaction for the selected item including an item price and a delivery fee.

Abstract: A computer system for recommending a merchant to a candidate consumer is provided. The computer system includes a memory device for storing data and a processor.

Abstract: An on-demand ecosystem (ODE) computing device for integrating on-demand delivery services with purchase transactions is provided. The ODE computing device receives item data from a registered merchant, and receives availability data from at least one registered carrier. The ODE computing device further provides a searchable interface that enables a user to search for item data from the registered merchant, and receives a selected item from the user via the searchable interface. The selected item is offered for sale by the registered merchant and includes a selected pick-up location. The selected item is to be delivered to the user from the selected pick-up location. The ODE computing device also allows either the registered merchant or the user to select one of the at least one registered carriers, and processes a payment transaction for the selected item including an item price and a delivery fee.

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.

Abstract: Methods and systems are provided for identifying demand at, for example, merchants and ATMs located within selected geographic boundaries, and over a selected time frame. Transaction data for transactions conducted over the selected time frame is received at a computing device, and location data is associated with each of the transactions. The location data generally corresponds to a location at which each of the transactions occurred. The transactions are then grouped into geographic boundaries based on the location data. For each of the geographic boundaries, the transaction data is compared to a predefined benchmark. And, for each of the geographic boundaries satisfying the benchmark, demand indices are generated indicative of financial demand in the geographic boundary.

Abstract: A computer-implemented method for generating travel paths based on cardholder transactions is provided. The method uses a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions from a plurality of cardholders, calculating by the computing device a plurality of modeled paths based on the plurality of payment transactions where each modeled path of the plurality of modeled paths identifies a series of two or more locations where a payment transaction was initiated by a specific cardholder during a specific period of time, and displaying by the computing device a selected subset of the plurality of modeled paths.

Abstract: A social media location posting system a payment card transaction authorization processor and a location posting service processor. The payment card transaction authorization processor is configured to receive over a network a payment card transaction authorization request for a cardholder and store in a computer storage file associated with the cardholder payment card transaction data included in the authorization request. The location service processor is configured to post over the network at least a portion the payment card transaction data stored in the file associated with the cardholder to a social media site associated with the cardholder.

Abstract: A computer system for recommending merchants to a candidate consumer is provided. The computer system includes a memory device in communication with a processor. The processor is programmed to collect transaction information for transactions between a plurality of payment cardholders and a plurality of merchants over a predetermined time period. The transaction information includes a merchant identifier associated with each transaction. The processor generates a list of cardholders based on the transaction information. The cardholder list includes a residential zip code associated with each cardholder. The processor then determine a total number of transactions and a number of local and unique cardholders for each merchant identifier based, at least in part, on the transaction information and/or the cardholder residential zip codes. Based on the total number of transactions and the number of local and unique cardholders, the processor then generates a list of recommended merchants.

Abstract: A computer system for recommending a merchant to a candidate consumer is provided. The computer system includes a memory device for storing data and a processor.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.

Abstract: An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a user card is associated in a data store with instructions for displaying a customer interface uniquely associated with the particular bank where the user holds the account. The customer interface includes user-selectable financial transaction options. The arrangement enables the customer interface of the user's home bank, with which the user is familiar, to also be automatically displayed when the user operates automated banking machines of other banks.