Abstract: A method and system for verifying cardholder compliance or non-compliance with a mandated services requirement by a third party using a payment card payment card network coupled to a database are provided. The method includes receiving sets of predetermined parameters that each define a transaction for one or more mandated services, receiving, by the computer device, transaction data for a plurality of transactions, determining, by the computer device, transactions for one or more mandated services from the plurality of received transactions using the received sets of parameters, summarizing the transaction data from the determined transactions, and transmitting the summarized transaction data to the third party, the summarized transaction data demonstrating cardholder compliance or noncompliance with the mandated services requirement.

Abstract: Methods and systems of performing multi-party transactions through a single authorization and multiple settlements is disclosed. The transaction involves a consumer entering into primary and secondary transactions as a single transaction for a merchant's and third party's products, wherein the third party products are not located at the merchant's establishment. Additionally, third party merchant offers may be filtered depending on information pertaining to the consumer.

Abstract: A system, method, and computer-readable storage medium configured to enable forecast resource demand based on accountholder or merchant-level behavior.

Abstract: A method for linking traffic data to transaction data includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including at least a geographic location associated with the related payment transaction, a transaction time and/or date, and transaction data; receiving traffic data, the traffic data being related to vehicle traffic and including at least a geographic traffic area, a period of time, and one or more traffic characteristics associated with the vehicle traffic; identifying a subset of transaction data entries where each entry in the subset includes a geographic location included in a geographic transaction area corresponding to the geographic traffic area and a transaction time and/or date included in the period of time; and identifying an economic impact of the vehicle traffic based on at least the transaction data included in each of the transaction data entries included in the identified subset.

Abstract: A method includes receiving a first data set and accessing a second data set. The first data set includes location and time profiles. The second data set includes transaction profiles. The first and second data sets are analyzed to propose matches of location and time profiles with transaction profiles. A respective score is assigned to each proposed match. In the analysis and assignment of scores, a first percentage is assigned to each location and time profile relative to each transaction profile. The first percentage equals a percentage of data elements in the location and time profile that is represented in the respective transaction profile. For some of the transaction profiles, a second percentage is assigned. The second percentage equals the percentage of transactions in the transaction profile that is represented in a proposed matching location and time profile.

Abstract: A method and/or system is provided that includes retrieving from one or more databases a first set of information with the first set of information having payment card transaction sales data associated with each of a plurality of merchants; and retrieving from one or more data bases a second set of information with the second set of information having securities market data associated with each of the plurality of merchants. The method further includes generating one or more groupings of merchants based on the first set of information and the second set of information; ranking each of the merchants, relative to the other merchants, in the one or more groupings into a hierarchy based on selection criteria; identifying a predetermined number of merchants ranked at different levels of the hierarchy in the one or more groupings; selecting the identified merchants from the one or more groupings; and combining the selected merchants into an index.

Abstract: A method for unblocking spam email messages includes: storing, in an email database, a plurality of email data entries, wherein each email data entry includes data related to an email message including at least message data, content data, and an indication of spam; receiving, by a receiving device, consumer data associated with one or more consumers, wherein the consumer data is based on transaction data for one or more payment transactions involving the associated one or more consumers; identifying, in the email database, one or more email data entries where the included content data corresponds to the received consumer data; and transmitting, by a transmitting device, at least the message data included in each of the identified one or more email data entries.

Abstract: A method for performing analytics processing in order to determine economic impact of an event on a particular market includes: receiving event information from an event storage unit, the event information including event data associated with an event and a venue in which the associated event occurred; receiving payment transaction information from a transaction storage unit, the payment transaction information including transaction data associated with each of a plurality of payment transactions; identifying a particular event and a particular venue associated with event data included in the received event information; identifying transaction data for payment transactions that occurred within a particular time frame of the particular event and within a specified area of a location of the selected event from the received payment transaction information; and determining an economic impact of the particular event on a particular market based on the identified transaction data.

Abstract: According to some embodiments, an acquiring party prediction platform may receive transaction information about a plurality of transactions associated with a merchant, and different transactions may be associated with different acquiring parties. The transaction information may be analyzed to generate a prediction that a particular acquiring party may be associated with a transaction volume below a threshold volume in the future. An indication associated with the prediction may then be transmitted.

Abstract: A system, method, and computer-readable storage medium configured to enable insurance-related risk behavior modeling of individuals based on their payment card purchases.

Abstract: A system, method, and computer-readable storage medium configured to enable investment-related risk behavior modeling of individuals based on their payment card purchases.

Abstract: A method and a system for real time targeted advertising using purchase transaction data and payment card holder activity and location information in a retail environment. The system comprises one or more databases configured to store a first set of information comprising payment card holder information including at least purchasing and payment activities attributable to the payment card holder, a second set of information comprising payment card holder activity and location in a retail environment, and a third set of information comprising merchant advertising information. The system further comprises a processor configured to generate predictive behavioral models based at least in part on the first set of information and the second set of information, associate the predictive behavioral models with the third set of information, and convey the associated information to a merchant to enable the merchant to make targeted offers to the payment card holder.

Abstract: A method for identifying news interest levels includes: storing a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving a consumer of a plurality of consumers including transaction data and a consumer identifier associated with the involved consumer; storing a plurality of interest scoring rules, each interest scoring rule associated with at least one news category; identifying a subset of transaction data entries where each entry in the subset includes a common consumer identifier associated with a specific consumer; identifying a plurality of news interest levels based on an application of the plurality of interest scoring rules to the transaction data included in the transaction data entries of the subset of transaction data entries; and transmitting the identified plurality of news interest levels for use in identifying news-related content for distribution to a consumer associated with the common consumer identifier.

Abstract: A targeted television advertising system includes a modeling processor and an identification processor. The modeling processor is configured to model purchasing behavior of a selected television service subscriber using a payment card transaction database. The identification processor is configured to identify television advertising messages that may appeal to the selected television service subscriber based upon the modeled purchasing behavior.

Abstract: A system, method, and computer-readable storage medium configured to enable vendor recommendations using payment card transaction information.

Abstract: A method for linking device data to transaction history includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a plurality of consumer characteristics and a plurality of transaction data entries, each transaction data entry corresponding to a payment transaction involving the related consumer; receiving, by a receiving device, a device profile, wherein the device profile includes device data corresponding to a consumer device and a plurality of demographic characteristics associated with a consumer associated with the corresponding consumer device; identifying, by a processing device, at least one consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating each of the identified at least one consumer profile with the device data included in the received device profile.

Abstract: A method for distributing targeted content includes: storing content profiles, each including a content item and selection criteria; storing account profiles, each including data related to an account including an account identifier and transaction data entries including transaction data corresponding to a transaction involving the account; storing consumer profiles, each including an account number and transit identifier; receiving a transaction notification corresponding to a transportation transaction involving a consumer and including a specific transit identifier; identifying a specific consumer profile where the included transit identifier corresponds to the specific transit identifier; identifying a specific account profile where the account identifier corresponds to the account number of the specific consumer profile; identifying a specific content profile based on the included selection criteria and the transaction data of the transaction data entries of the specific account profile; and transmitting

Abstract: A method for displaying targeted content on an article of clothing includes: storing a plurality of consumer profiles, each consumer profile including a consumer identifier and consumer behavioral data; storing a plurality of content profiles, each content profile including data related to a visual content item including one or more selection criteria; reading payment card data corresponding to a payment card associated with a specific consumer, the payment card data including a specific consumer identifier associated with the specific consumer; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; identifying a specific content profile based on the one or more selection criteria and the consumer behavioral data included in the identified specific consumer profile; and transmitting the visual content item included in the identified specific content profile for display on an article of clothing directed toward the specific consumer.

Abstract: A computer-implemented method and system for forecasting a demand for a credit-based payment card implemented using a demand forecasting computer device coupled to a memory device. The method includes retrieving financial transaction data for a plurality of payment card cardholders acquired by the demand forecasting computer device and stored in the memory device, determining variables in the financial transaction data that predict the demand for a credit-based payment card using an independent variables generation engine, integrating the retrieved financial transaction data, economic data received from sources external to the demand forecasting computer device, and data relating to new payment card cardholders based on the determined variables, generating a prediction of the demand for credit in a selectable geographic area using a cross-sectional model of the integrated data and the determined variables, and outputting the prediction.

Abstract: A card (e.g., a payment card such as a credit card, debit card, gift card, or any other electroncially readable card) of a user is electronically read at an automated teller machine (ATM), to determine card data identifying an account of the user. Based on the card data, a promotional message is automatically selected (e.g., by a computer processor) from a database comprising a plurality of promotional messages. The selected promotional message is targeted to the user. The selected promotional message is outputted to the user at the ATM.