Abstract: Examples provide estimated sector-specific transaction data with enhanced reliability using sector-specific data set(s) where validation data for the specific sector is unavailable. A regression analysis is used to generate one or more regression coefficient(s) using the validation data and data set(s) for one or more other sectors within a geographic area during a selected time-period. The regression coefficient(s) are applied to biased data sets for which validation data is unavailable to generate de-biased transaction data for the selected sector. The system produces sector-specific data with enhanced reliability and greater accuracy while reducing system resource usage where validation data for the selected sector is not available.

Abstract: A system, method, and computer-readable storage medium configured to verify minimum age of accountholders, to enable age restrictions on purchases.

Abstract: A fraud prevention system, method and medium analyzes a fraud prevention image, or a sequence of fraud prevention images, including a facial region of the user and a card associated with the user. The systems, methods and mediums may enable an image parser, a facial recognizer, a communication manager and an authenticator. The image parser may be adapted to parse the fraud prevention image into a facial image and a device image. The facial recognizer may be adapted to analyze the facial image to generate a current facial signature of the user. The authenticator may be adapted to authenticate the user based at least on comparison to the current facial signature and an enrolled facial signature. The communication manager may request a device verification based on a device signature and the authentication of the user. A liveness detector may verify liveness of the user within the fraud prevention image.

Abstract: A system and method is disclosed for the real-time active surveillance of disease. The system generates an outbreak detection model by analyzing the spending records of individuals who are known to be infected to identify purchases and purchase patterns that correlate to infection in the population with a disease. Based on the identified purchases, the system generates probabilistic identification criteria and merges the criteria to simulation models of infection spread by geography to generate a geospatial outbreak detection model. The system applies the generated model to spending records, in real time, to identify and monitor disease spread in the population. The system can also generate alerts if the likelihood that an individual is infected, or one or more individuals in a set or population is infected exceeds a threshold. Actions are taken at remote devices, such as mobile phones, computers and POS terminals in certain embodiments.

Abstract: Systems and methods for providing consumers with mood-based advertisements and coupons according to diagnostic measurements are described. A mood of a consumer is determined utilizing diagnostic measurement(s) received through a consumer's portable device. An advertisement or coupon for a product affiliated with a mood correlative with the consumer's mood is selected and transmitted to the consumer's portable consumer device. The mood affiliated with the product of an advertisement or coupon may be based upon historic consumer purchasing.

Abstract: A system, method, and computer-readable storage medium configured to verify minimum age of accountholders, to enable age restrictions on purchases.

Abstract: A system and method is disclosed for determining an optimized sequence of visits by a consumer to a plurality of merchant locations irrespective of travel distance. The system is configured to receive, from the consumer, errand data including start time and start and finish location and a plurality of merchant locations to visit. The system also generates one or more models for predicting visit durations the merchant locations as a function of time using transaction data and location data associated with a plurality of consumers that previously visited the merchant locations. Based on the generated models, and current and historical travel/traffic information and the errand data, the system generates an optimized sequence of visits for the consumer.

Abstract: A system and method is disclosed for determining an optimized sequence of visits by a consumer to a plurality of merchant locations irrespective of travel distance. The system is configured to receive, from the consumer, errand data including start time and start and finish location and a plurality of merchant locations to visit. The system also generates one or more models for predicting visit durations the merchant locations as a function of time using transaction data and location data associated with a plurality of consumers that previously visited the merchant locations. Based on the generated models, and current and historical travel/traffic information and the errand data, the system generates an optimized sequence of visits for the consumer.

Abstract: A method for suppressing payment transactions based on industry classification includes: storing an account profile, the profile including data related to one or more transaction accounts including a plurality of industry thresholds, each industry threshold being associated with a merchant industry; receiving an authorization request for a payment transaction, the request including a transaction amount and a merchant identifier associated with a merchant involved in the payment transaction; identifying a specific merchant industry associated with the merchant involved in the payment transaction based on the merchant identifier; processing the payment transaction if the transaction amount does not exceed an industry threshold associated with the specific merchant industry; and transmitting an authorization response declining the payment transaction if the transaction amount exceeds the industry threshold associated with the specific merchant industry.

Abstract: A system and method is disclosed for the real-time active surveillance of disease. The system generates an outbreak detection model by analyzing the spending records of individuals who are known to be infected to identify purchases and purchase patterns that correlate to infection in the population with a disease. Based on the identified purchases, the system generates probabilistic identification criteria and merges the criteria to simulation models of infection spread by geography to generate a geospatial outbreak detection model. The system applies the generated model to spending records, in real time, to identify and monitor disease spread in the population. The system can also generate alerts if the likelihood that an individual is infected, or one or more individuals in a set or population is infected exceeds a threshold. Actions are taken at remote devices, such as mobile phones, computers and POS terminals in certain embodiments.

Abstract: A computer-implemented method and system for recording a consumer's historical expenditures includes accessing incoming email associated with a consumer, identifying a receipt in the incoming email that was emailed from a merchant to the consumer in response to completing a cashless transaction associated with a payment network, linking the receipt to a transaction record generated by an acquirer within the payment network based on an indicator that the receipt and the transaction record were generated in response to the cashless transaction, and embedding the receipt with data from the transaction record associated with the payment network.

Abstract: A method and system that involve retrieving, from one or more databases, a first set of information including merchant aggregated payment card transaction data for a defined time period, and retrieving, from one or more databases, a second set of information including merchant reported sales data for the defined time period. The method and system further involve analyzing the first set of information and the second set of information to generate a correlation coefficient for the defined time period, and assessing the merchant aggregated payment card transaction data based on the correlation coefficient. The method and system enable validation or verification of merchant aggregation, e.g., determining if merchant aggregation is optimal or above a predetermined threshold value. The method and system leverage consumer payment transaction data and merchant sales information in a way so as to enable validation or verification of merchant aggregation.

Abstract: A method and a system that involve retrieving, from one or more databases, a first set of information including merchant aggregated payment card transaction data, and retrieving, from one or more databases, a second set of information including merchant hierarchical organizational structure. The method and the system further involve analyzing the first set of information and the second set of information to identify one or more associations between the merchant aggregated payment card transaction data and the merchant hierarchical organizational structure, and updating the merchant aggregated payment card transaction data based on the one or more associations. The method and the system provide up-to-date merchant identification information to enable accurate merchant aggregation. The method and the system leverage consumer payment transaction data and up-to-date merchant organizational structure information in a way that enables accurate merchant aggregation.

Abstract: A system and method including receiving, by a computer, an authorization request including a payment account number (PAN) and an identifier of a merchant associated with a transaction, the authorization request being an authorization only type of authorization; determining whether the PAN is associated with a loyalty program of the merchant based on a record of a mapped association between the PAN and a unique account identifier of the merchant's loyalty program; and sending, by the computer, an authorization response in reply to the authorization request, the authorization response including a first indicator indicative of whether the transaction is authorized and a second indicator indicative of whether the PAN included in the authorization request is associated with the loyalty program of the merchant.