Abstract: A method for identifying merchant trade areas for search result filtering includes: storing a plurality of merchant profiles, each profile including data related to a merchant including a merchant identifier and merchant geographic location; storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific merchant identifier and merchant geographic location associated with a merchant involved in the transaction, a consumer primary geographic location associated with a consumer involved in the transaction, and a travel distance based on a distance between the merchant and consumer primary geographic locations; identifying, for each merchant profile, merchant trade area data, the data including trade distances based on the travel distance included in transaction data entries where the included specific merchant identifier corresponds to the merchant identifier included in the respective merchant profile; and updating merchant profiles to include th

Abstract: A method for identifying merchant trade areas for search result filtering includes: storing a plurality of merchant profiles, each profile including data related to a merchant including a merchant identifier and merchant geographic location; storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific merchant identifier and merchant geographic location associated with a merchant involved in the transaction, a consumer primary geographic location associated with a consumer involved in the transaction, and a travel distance based on a distance between the merchant and consumer primary geographic locations; identifying, for each merchant profile, merchant trade area data, the data including trade distances based on the travel distance included in transaction data entries where the included specific merchant identifier corresponds to the merchant identifier included in the respective merchant profile; and updating merchant profiles to include th

Abstract: A method for identifying merchant trade areas for search result filtering includes: storing a plurality of merchant profiles, each profile including data related to a merchant including a merchant identifier and merchant geographic location; storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific merchant identifier and merchant geographic location associated with a merchant involved in the transaction, a consumer primary geographic location associated with a consumer involved in the transaction, and a travel distance based on a distance between the merchant and consumer primary geographic locations; identifying, for each merchant profile, merchant trade area data, the data including trade distances based on the travel distance included in transaction data entries where the included specific merchant identifier corresponds to the merchant identifier included in the respective merchant profile; and updating merchant profiles to include th

Abstract: A method for identifying mutually beneficial merchant opportunities based on commonality in transaction data includes: storing transaction messages, each related to a payment transaction and including an account number, merchant identifier, merchant category, and location; receiving a mutually beneficial merchant request, the request including a specific merchant identifier and location; identifying a first subset of transaction messages where each includes the specific merchant identifier and location; identifying a second subset of transaction messages where each includes an account number included in at least one transaction message in the first subset and (i) a merchant category not included in the first subset and a location within a predetermined distance of the specific location, or (ii) a merchant category included in the first subset and a location outside of the predetermined distance of the specific location; and identifying a mutually beneficial merchant identifier based on a frequency in the seco

Abstract: A method for analysis of metrics based on stored data sets includes: storing transaction data entries, each including data related to a transaction including an account identifier and a category code associated with a recipient of the transaction and transaction data; receiving a metric request, the request being related to a service provider including one or more requested metrics and business data, the business data including data related to one or more customers of the related service provider; identifying a specific category code or account identifiers using the business data; identifying transaction data entries where that includes one of the account identifiers or the specific category code; identifying one or more metrics based on the transaction data included the identified transaction data entries; and transmitting the identified one or more metrics in response to the metric request.

Abstract: A method for generating data estimates of parking metrics based on transaction behaviors includes: storing parking data correlations, each including parking metrics and correlated transaction behaviors; storing transaction data entries, each including a geographic location and a time; receiving a parking metric request, the request including a specific geographic area and time range; identifying a subset of transaction data entries where the included geographic location is within the specific geographic area and the included time within the time range; identifying transaction behaviors based on a number of transaction data entries in the subset s and data stored therein; identifying a parking data correlation where the included correlated transaction behaviors corresponds to the identified transaction behaviors; and transmitting the parking metrics included in the identified parking data correlation in response to the received parking metric request.

Abstract: Systems and methods are provided for identifying traits of abnormal data. One exemplary method includes accessing transaction data as associated with at least one merchant, where the transaction data includes multiple transactions. The exemplary method further including detecting abnormal transactions from the multiple transactions based on at least one parameter of the transactions, identifying, at a computing device, at least one trait associated with at least a portion of the abnormal transactions, but not associated with a typical consumer associated with the at least one merchant, and reporting the at least one trait to the at least one merchant.

Abstract: Systems and methods are provided for compiling total amounts spent through payment accounts. One exemplary method includes accessing transaction data associated with a payment account for transactions known to a first payment service provider, and identifying, at a computing device, a first amount spent through the payment account based on the accessed transaction data. The method also includes determining, at the computing device, a second amount spent through the payment account for transactions not known to the first payment service provider, based on at least one predefined factor relating to the transactions known to the first payment service provider. The method then includes aggregating the first amount spent through the payment account and the second amount spent through the payment account.

Abstract: Systems and methods are provided for processing transactions to payment accounts to add funds to the payment accounts. One exemplary method generally includes receiving, at a computing device, a transaction request for a transaction to a payment account where the transaction request includes a deposit identifier associated with the payment account but does not include a primary account number (PAN) for the payment account. The method also generally includes processing the transaction request to add funds to the payment account when the transaction includes a direction to add such funds to the payment account, and declining the transaction request when the transaction request includes a request to debit funds from the payment account.

Abstract: A method for tracking existence and spread of infectious diseases using transaction data includes: storing transaction data entries, each entry including data related to a payment transaction including a transaction time, geographic location, and transaction data; receiving disease data indicating an infectious disease in a geographic area, the data including an infection period of time; identifying a first subset of transaction data entries including the geographic location in the received disease data and where the transaction time is within the infection period of time; identifying a second subset of transaction data entries that include a geographic location in a shared geographic area where the included transaction data corresponds to the transaction data included in the transaction data entries in the first subset; and transmitting an infection notification, the notification including at least the shared geographic area.

Abstract: A method for identifying relationships between consumer and merchant service characteristics includes: storing consumer profiles that include consumer characteristics associated with a consumer and transaction data for transactions involving the associated consumer and a specified merchant; storing merchant profiles that include service characteristics associated with a merchant; identifying a group for each consumer characteristic that includes consumer profiles having that consumer characteristic; identifying a group for each service characteristic that includes merchant profiles having that service characteristic; and identifying characteristic relationships that include a consumer characteristic and service characteristic based on transaction data included in consumer profiles in the consumer group of the consumer characteristic that involve merchants associated with merchant profiles in the merchant group of the service characteristic.

Abstract: A method for identifying purchase behavior using handwriting characteristics includes: storing, in a handwriting database, a plurality of handwriting profiles, wherein each handwriting profile includes at least a handwriting characteristic and one or more associated purchase behaviors; receiving, by a receiving device, a handwriting sample; analyzing, by a processing device, the received handwriting sample to identify one or more handwriting characteristics; identifying, in the handwriting database, a specific handwriting profile for each of the identified one or more handwriting characteristics, wherein the specific handwriting profile includes the respective handwriting characteristic; and transmitting, by a transmitting device, the one or more associated purchase behaviors included in each of the identified specific handwriting profiles.

Abstract: A method for linking travel visa data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to one or more consumers including a plurality of consumer characteristics associated with each of the related one or more consumers and a plurality of transaction data entries each corresponding to a payment transaction involving one of the related one or more consumers; receiving a travel visa profile, the profile including travel visa data associated with one or more specific consumers and a plurality of demographic characteristics associated with each of the one or more specific consumers; identifying a 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 identified consumer profiles with the travel visa data included in the received travel visa profile.

Abstract: A method for providing transparency for gathered purchase data includes: storing a plurality of account profiles, each profile including data related to a transaction account associated with a consumer including an account identifier and a plurality of consumer data entries, each entry including data associated with the associated consumer including a data value; receiving a data request, the request including a specific account identifier and one or more requested consumer data entries; identifying a specific account profile where the account identifier corresponds to the specific account identifier; identifying, in the specific account profile, one or more consumer data entries corresponding to the one or more requested consumer data entries; and transmitting the data value included in each of the identified consumer data entries, wherein the data values are based on one or more payment transactions or use of a payment card associated with the related transaction account.

Abstract: A method for identifying merchant trade areas for search result filtering includes: storing a plurality of merchant profiles, each profile including data related to a merchant including a merchant identifier and merchant geographic location; storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific merchant identifier and merchant geographic location associated with a merchant involved in the transaction, a consumer primary geographic location associated with a consumer involved in the transaction, and a travel distance based on a distance between the merchant and consumer primary geographic locations; identifying, for each merchant profile, merchant trade area data, the data including trade distances based on the travel distance included in transaction data entries where the included specific merchant identifier corresponds to the merchant identifier included in the respective merchant profile; and updating merchant profiles to include th

Abstract: A method for improving fraud scoring based on criminal activity includes: storing transaction data entries, each including transaction data related to a payment transaction and a transacting consumer identifier; storing consumer profiles, each including data related to consumers including consumer characteristics and a consumer identifier; storing fraud scoring rules, each being configured to score a payment transaction for a likelihood of fraud based on transaction data; receiving a criminal activity notification, the notification including criminal characteristics associated with criminals or victims associated with untrustworthiness or fraud; identifying a specific consumer profile where a predefined number of the consumer characteristics correspond to the criminal characteristics; identifying a subset of transaction data entries where the transacting consumer identifier corresponds to the consumer identifier in the specific consumer profile; and updating the fraud scoring rules based on the transaction da

Abstract: A method for identifying influencers in nomadic subcultures includes: storing a plurality of transaction data entries, each including data related to a payment transaction including a plurality of merchant data values, a consumer identifier, and a plurality of transaction data values; storing a plurality of consumer profiles, each including data related to a consumer including a consumer identifier and consumer data; identifying merchant data values and transaction data values associated with a nomadic subculture; identifying a subset of transaction data entries where the merchant data values and transaction data values includes at least one of the merchant data values and transaction data values associated with the nomadic subculture; identifying one or more consumer identifiers included in at least two transaction data entries in the subset; and identifying a consumer profile including a consumer identifier of the identified one or more consumer identifiers.

Abstract: A method for predicting the occurrence of a future political event includes: storing a plurality of event data entries, each entry including data related to a past political event including at least an event category associated with the related political event and one or more past transaction behaviors; storing a plurality of transaction data entries, each entry including data related to a payment transaction conducted in a predetermined geographic area including at least transaction data; identifying one or more current transaction behaviors based on the transaction data included in each transaction data entry; identifying a specific event data entry based on a correspondence between the identified one or more current transaction behaviors and the one or more past transaction behaviors included in the specific event data entry; and predicting an event associated with the event category included in the specific event data entry in the predetermined geographic area.

Abstract: A method for identifying a merchant trade area, includes: receiving a trade area request, the request identifying a merchant; storing a plurality of consumer location data entries, each entry including data related to a consumer involved in one or more payment transactions with the merchant, including a geographic location associated with the related consumer; identifying a geographic location associated with the merchant; identifying at least one geographic deviation metric based on the geographic location associated with the related consumer included in each entry of the plurality of consumer location data entries; identifying a merchant trade area based on the geographic location associated with the merchant and the identified at least one geographic deviation metric; and transmitting the identified merchant trade area in response to the received trade area request.