Abstract: Disclosed are exemplary embodiments of systems and methods for identifying a merchant location based on transaction records for the merchant. In an exemplary embodiment, a method generally includes accessing multiple router records. Each router record is assigned to one of multiple cells of a grid structure indicative of geographic location. Each router record is associated with a target merchant. The method further includes, for each of the multiple router records, searching for a match between the router record and at least one of multiple transactions at the target merchant, based on time, and reporting one or more of the multiple cells as a location associated with the target merchant, when a number of matching router records assigned to said one or more of the multiple cells exceeds a predetermined threshold.

Abstract: Disclosed are exemplary embodiments of systems and methods for identifying a merchant location based on transaction records for the merchant. In an exemplary embodiment, a method generally includes accessing multiple router records. Each router record is assigned to one of multiple cells of a grid structure indicative of geographic location. Each router record is associated with a target merchant. The method further includes, for each of the multiple router records, searching for a match between the router record and at least one of multiple transactions at the target merchant, based on time, and reporting one or more of the multiple cells as a location associated with the target merchant, when a number of matching router records assigned to said one or more of the multiple cells exceeds a predetermined threshold.

Abstract: A method of identifying retirement communities, comprising: executing a query on the transaction database and the geo-demo database to identify a plurality of community clusters; electronically storing, a plurality of retirement community data, wherein each retirement community data includes a plurality of data elements including at least a first data element configured to store the plurality of community clusters; receiving, a data signal superimposed with profile information associated with a consumer, wherein the profile information includes a plurality of retirement community attributes identified by the consumer; and identifying one or more retirement communities based on attributes identified by the consumer, by querying the community clusters stored in the retirement community database for retirement community attributes identified by the consumer.

Abstract: Disclosed are exemplary embodiments of systems and methods for identifying a merchant location based on transaction records for the merchant. In an exemplary embodiment, a method generally includes accessing multiple router records. Each router record is assigned to one of multiple cells of a grid structure indicative of geographic location. Each router record is associated with a target merchant. The method further includes, for each of the multiple router records, searching for a match between the router record and at least one of multiple transactions at the target merchant, based on time, and reporting one or more of the multiple cells as a location associated with the target merchant, when a number of matching router records assigned to said one or more of the multiple cells exceeds a predetermined threshold.

Abstract: Exemplary embodiments of systems and methods are provided for determining detailed locations of entities. One exemplary method includes receiving at least one signal record for a communication device associated with a user. The at least one signal record includes multiple signal strengths, a temporal indicator, and an identifier unique to the communication device. The exemplary method further includes accessing multiple discrete event records associated with the entity, correlating one of the multiple discrete event records to the at least one signal record based on the temporal indicator included in the at least one signal record, and generating a location range associated with the entity, based on the signal strengths included in the at least one signal record, whereby a location of the entity, distinct from one or more other entities, is indicated by the location range.

Abstract: A method of identifying retirement communities, comprising: executing a query on the transaction database and the geo-demo database to identify a plurality of community clusters; electronically storing, a plurality of retirement community data, wherein each retirement community data includes a plurality of data elements including at least a first data element configured to store the plurality of community clusters; receiving, a data signal superimposed with profile information associated with a consumer, wherein the profile information includes a plurality of retirement community attributes identified by the consumer; and identifying one or more retirement communities based on attributes identified by the consumer, by querying the community clusters stored in the retirement community database for retirement community attributes identified by the consumer.

Abstract: A method for identifying a high growth business from combined data sets comprising: storing, a plurality of data elements configured to store at least a merchant identifier, acceptance flag, transaction date, and transaction amount; receiving, a merchant growth request command including at least a specific merchant identifier associated with a specific merchant; executing, a query on the transaction database to identify a subset of transaction messages; determining, a transaction volume over time for the specific merchant based on at least the transaction amount and transaction date; identifying, social media data associated with the specific merchant, and a growth index for the specific merchant based on at least the transaction volume over time determined for the specific merchant and the measure of social media presence over time based on the associated dates.

Abstract: Exemplary embodiments of systems and methods are provided for determining detailed locations of entities. One exemplary method includes receiving at least one signal record for a communication device associated with a user. The at least one signal record includes multiple signal strengths, a temporal indicator, and an identifier unique to the communication device. The exemplary method further includes accessing multiple discrete event records associated with the entity, correlating one of the multiple discrete event records to the at least one signal record based on the temporal indicator included in the at least one signal record, and generating a location range associated with the entity, based on the signal strengths included in the at least one signal record, whereby a location of the entity, distinct from one or more other entities, is indicated by the location range.

Abstract: Exemplary systems and methods are provided for directing offer content to consumers at communication devices, while the consumers are at merchants. An exemplary method includes detecting an application identifier associated with a communication device at or near a merchant, and receiving signal strength records from the communication device indicative of signal strengths for wireless networking devices at a given time and associated with the application identifier. The method also includes accessing a zone map for the merchant that includes different zones each defining a position of at least one product, and plotting a path of the communication device, per given time, relative to the zone map. The method further includes displaying an offer for a product to the communication device, based on the path of the consumer through the merchant, along with other factors such as historical behavior patterns of the consumer, similar patterns from other consumers, etc.

Abstract: A method for generating a model for indexing neighborhood growth includes: storing transaction messages, each including a geographic location and transaction data, where the geographic location is in one of a plurality of geographic areas; receiving demographic characteristic data including property value data associated with each geographic area; identifying transaction groups for each geographic area including transaction messages where the geographic location is included in the respective associated geographic area; identifying purchase behaviors for each of the plurality of geographic areas based on the transaction data stored in the transaction messages included in associated transaction group; and generating an indexing model configured to calculate an index value for a geographic area indicative of growth or decline of the geographic area based on the purchase behaviors and property value data associated with the respective geographic area for each of the plurality of geographic areas.

Abstract: A system, method, and computer readable storage medium configured to the process, analyze, and model of large amounts of data resulting in improved functionality over a generic computer.

Abstract: A system, method, and computer readable storage medium configured to process, analyze, and model of large amounts of data from a sample of accountholders that is representative of the overall consumer population across key geographic, demographic, and behavior dimensions in an in-memory modeling environment.

Abstract: Methods and systems for determining consumer spend analytics are provided. The method includes identifying a plurality of microsegments of a population, retrieving transaction data associated with a first cardholder from a payment processing network, and matching the first cardholder to a first microsegment of the plurality of microsegments. The method also includes calculating, based at least in part on the typical income and the typical spend of the consumers in the first microsegment, a cardable spend for the first cardholder. The method further includes calculating, based at least in part on the cardable spend and the transaction data, a carded spend share that the first cardholder spent using a first payment device over the payment processing network; determining at least one consumer spend analytic based on the carded spend share; and reporting the carded spend share and the at least one consumer spend analytic.

Abstract: A method and a system are provided for wireless payment of parking fees or other charges for a vehicle. The method includes determining the location of the vehicle with a wireless communication device having a parking software application (App). The location is determined using a global positioning system. The method further includes transmitting the street parking location, a vehicle identification or user identification, and a payment to a parking authority server for initiating a street parking session with the wireless communication device, and allowing a user to change the street parking location with the wireless communication device. The method of this disclosure allows a user to change the street parking location, in particular, the user can select one or more street parking locations and initiate one or more street parking sessions with the wireless communication device.

Abstract: Disclosed are exemplary embodiments of systems and methods for identifying a merchant location based on transaction records for the merchant. In an exemplary embodiment, a method generally includes accessing multiple router records. Each router record is assigned to one of multiple cells of a grid structure indicative of geographic location. Each router record is associated with a target merchant. The method further includes, for each of the multiple router records, searching for a match between the router record and at least one of multiple transactions at the target merchant, based on time, and reporting one or more of the multiple cells as a location associated with the target merchant, when a number of matching router records assigned to said one or more of the multiple cells exceeds a predetermined threshold.

Abstract: A system, a method, and a computer program product provide competitive data to a subscribing merchant regarding customers of the subscribing merchant and competing peer merchants. A computing device loads at least one microsegment hold table. The microsegment hold table is previously generated from demographic attributes regarding a plurality of individuals. The computing device identifies hashed recognition IDs associated with payment transactions completed at the subscribing merchant and competing peer merchants. The microsegment hold table and identified hashed recognition IDs are merged to generate a microsegment summary file. The microsegment summary file is transferred. The microsegment summary file and a microsegment definition file are merged to create a summary file indicating a number of identified recognition IDs associated with various statistics.

Abstract: A system and method for identifying and communicating the availability of additional products to at least one customer of a financial institution is disclosed. A processor analyses data about the customer and identifies characteristics indicative of financial products compatible with the customer's financial needs. The customer's files are appropriately electronically tagged and representatives of the financial institution are alerted of the marketing opportunity and, in turn, communicate the availability of the product to said customer. The representative may be a teller, branch manager, telemarketer or direct mail supervisor. Reporting of tagging is also provided.