Abstract: A method for authenticating a financial transaction includes: storing a plurality of transaction data entries, each transaction data entry including data related to a financial transaction and including transaction data and a consumer identifier; receiving cookie data, the cookie data including a computing device identifier and historical browsing data; receiving an authorization request for a financial transaction, the authorization request including a consumer identification; identifying, in the transaction database, a subset of transaction data entries, wherein each transaction data entry in the subset includes a consumer identifier corresponding to the consumer identification; identifying an authentication score for the financial transaction based on a correlation of transaction data included in each transaction data entry of the subset and the historical browsing data; and transmitting the identified authentication score and consumer identification for use in approval of the financial transaction by an i

Abstract: A method for identifying a merchant debit routing table includes: storing a plurality of transaction data entries, each entry including a first and second debit network, a utilized network, a merchant identifier, and a transaction date, the utilized network being the first or second debit network; receiving a routing identification request, the request including a merchant identification; identifying a merchant transaction group, the group including entries where the merchant identifier corresponds to the merchant identification; identifying a plurality of network subgroups in the group, each subgroup including entries including a common first and second debit network; identifying, for each subgroup, a preferred network based on the utilized network for each entry in the subgroup where the transaction date is a specific date; and identifying a routing table for a merchant associated with the merchant identifier based on the preferred network and the first and second debit network for each subgroup.

Abstract: A method and system for providing a credit coaching service for providing real-time recommendations to improve a credit score for a user retrieves credit report data issued from a credit reporting agency for analysis by a processor and initializes datafeeds for accessing in real-time financial transactions by the user from at least one financial source. Corrective actions are determined and alerts transmitted in real-time to the user in response to detection of a real-time financial transaction that adversely affects the user's credit score.

Abstract: Records of geotemporal data for a plurality of users from a database associated with on-line and/or mobile cellular activities are used to generate a geotemporal fingerprint of a user. The geolocation history associated with the user's on-line and/or mobile cellular activities from one such database can be correlated with a user's geolocation data from a separate on-line database associated with a different activity. For example, the geolocation history or geotemporal fingerprints associated with on-line and/or mobile cellular activities from one particular database can be correlated with those associated with payment card usage. Such information can be used to authenticate a user, for example, as a security measure for payment card users and issuers, for registrationless credit security applications, and for gathering relevant data for advertising campaigns.

Abstract: A method for scoring a user's propensity for credit fraud includes forming a social graph from Call Detail Records (“CDR”), the users being nodes and weighted edges connecting node pairs representing a relationship between those users. Initial scores are assigned to users. A first user/credit applicant final score is calculated as a sum of all weighted initial scores of users having a degree of separation of n with the first user, along a path of connecting edges on the social graph, each weighted initial score being a product of the weight of the edges connecting the corresponding node pair, the user initial score, and the inverse square of the degree of separation with the first user. The summation of the degree weighted initial scores of users with degree of separation of n or less is the first user's credit-fraud score.

Abstract: With the subject invention, a method is provided in which real-time information beyond point-of-sale is evaluated to determine a propensity score of a person realizing a reservation, in particular, whether the person shall be a no show or cancellation with respect to a reservation. The subject invention utilizes information obtained through a payment card network, which in the prior art has not been considered in evaluating no show or cancellation rates.

Abstract: A method for identifying a merchant debit routing table includes: storing a plurality of transaction data entries, each entry including a first and second debit network, a utilized network, a merchant identifier, and a transaction date, the utilized network being the first or second debit network; receiving a routing identification request, the request including a merchant identification; identifying a merchant transaction group, the group including entries where the merchant identifier corresponds to the merchant identification; identifying a plurality of network subgroups in the group, each subgroup including entries including a common first and second debit network; identifying, for each subgroup, a preferred network based on the utilized network for each entry in the subgroup where the transaction date is a specific date; and identifying a routing table for a merchant associated with the merchant identifier based on the preferred network and the first and second debit network for each subgroup.

Abstract: In one aspect, a method is provided herein of identifying transactions being processed over a payment card network which may be subjected to a conditional consumption tax. The method includes receiving, via the payment card network, a payment authorization message corresponding to a transaction between a user and a merchant. Further, the method includes determining, using a computer, from the payment authorization message, a user geographical code for the user. Similarly, the method includes determining, using a computer, from the payment authorization message, a merchant geographical code for the merchant. Using a computer, the method calls for comparing the geographical code of the user and the geographical code of the merchant with a demesne of a first tax authority. If the geographical code of the user and the geographical code of the merchant are within the demesne of the first tax authority, then, determining the transaction has no conditional consumption tax burden under the first tax authority.