Abstract: According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine periodic payment information (e.g., associated with a subscription or membership) associated with the payment account. The automatically determined periodic payment information may then be output. For example, a predicted next periodic payment due date might be calculated and output.

Abstract: At an intermediate node in a payment card processing network, clearing records are obtained for payment card transactions with a merchant which sells eligible wares and ineligible wares. Said clearing records specify, for each of said transactions, a total transaction amount and information representative of an amount associated with said eligible wares. At least a portion of said clearing records are stored in a first database accessible to said intermediate node in said payment card processing network, by transaction. Said first database is queried on payment card account number and, for said payment card account number, at least said information representative of an amount associated with said eligible wares is collected. Said collected information representative of an amount associated with said eligible wares is made available to at least one interested party.

Abstract: A method and a system are provided for identifying optimal rewards programs. The method involves retrieving from one or more databases a first set of information comprising payment card holder transaction information including at least purchasing activities and optionally payment activities attributable to the payment card holder, and retrieving from one or more databases a second set of information comprising a plurality of rewards programs. One or more predictive behavioral spend profiles are generated based on the first set of information. The one or more predictive behavioral spend profiles and the second set of information are then analyzed to identify one or more correlations between the one or more predictive behavioral spend profiles and the plurality of rewards programs. Targeted information, based on the one or more correlations, is provided to one or more entities (e.g., payment card holder or merchant).

Abstract: A method for linking forensic data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to a consumer including a consumer identifier associated with the related consumer and a plurality of transaction data entries, each entry including data related to a payment transaction involving the consumer including transaction data; receiving a forensic profile, the profile including forensic data obtained from a computing device; identifying a correspondence between the received forensic data and transaction data included in the stored transaction data entries to obtain a specific consumer identifier; identifying a specific consumer profile where the included consumer identifier corresponds to the specific consumer identifier; and transmitting at least the transaction data included in one or more transaction data entries included in the identified specific consumer profile.

Abstract: A computer implemented method for creating merchant profiles based on check transactions is provided. The method uses a computing device having a processor communicatively coupled to a memory. The method includes receiving a plurality of payment transactions including payment by a check where each payment transaction includes plurality of fields from the associated check that include at least a payee field, an address field, and a memo field, generating a list of unique merchants based in part on the payee fields of the plurality of payment transactions, generating two or more merchant profiles, and determining one or more connections between two or more merchant profiles in the plurality of merchant profiles. Each connection represents a relationship or association between two or more merchant profiles. The method also includes storing the one or more connections and the two or more merchant profiles.

Abstract: A method and a system are provided for identifying payment card holder hobbies or interests. The method includes retrieving from one or more databases a first set of information comprising payment card transaction information, payment card holder information and merchant information. The method further includes analyzing the first set of information to construct one or more groupings of merchants based on merchant line of business or merchant association with a hobby or interest; analyzing the first set of information to identify one or more payment card holder purchase behaviors; and associating the one or more payment card holder purchase behaviors with the one or more groupings of merchants to identify one or more payment card holder hobbies or interests. The method and system provide advantages in fraud prevention, and can also be used by merchants or businesses to better target customers or enhance existing customer relationships.

Abstract: A communication channel is provided between a transaction acquirer and a payment network, for the purpose of transmitting payment card account transaction authorization requests. Via the communication channel the payment network may receive a message containing additional information. The additional information may originate at the point of sale and may be in addition to a PAN (primary account number) or the like. The payment network may send a message including the additional information to an entity that is neither a payment account issuer nor the transaction acquirer.

Abstract: A computer-implemented method for identifying cardholder spree shopping behavior is implemented by a spree shopping identification (SSI) computing device in communication with a memory. The method includes receiving historical transaction data from a payment processor and generating at least one shopping profile using at least a portion of the historical transaction data. The shopping profiles include at least one leading indicator used to identify transaction characteristics consistent with spree shopping behavior. The method further includes receiving current transaction data, applying the shopping profiles to the current transaction data, and determining that a candidate cardholder is engaged in spree shopping behaviors.

Abstract: At an intermediate node in a payment card processing network, clearing records are obtained for payment card transactions with a merchant which sells eligible wares and ineligible wares. Said clearing records specify, for each of said transactions, a total transaction amount and information representative of an amount associated with said eligible wares. At least a portion of said clearing records are stored in a first database accessible to said intermediate node in said payment card processing network, by transaction. Said first database is queried on payment card account number and, for said payment card account number, at least said information representative of an amount associated with said eligible wares is collected. Said collected information representative of an amount associated with said eligible wares is made available to at least one interested party.

Abstract: Systems and methods systems are provided for determining the impact of public relations (PR) events on consumer spending. Past PR event information can be identified, and codes characterizing the past PR event information can be applied to standardize and categorize the PR events. The codified past PR event information may then be correlated with transaction data associated with a business or other entity to which the past PR event information is applicable, and one or more factors can be calculated based on the codified past PR event information and transaction data to quantify the impact or influence of the past PR events on past spending behavior. These one or more factors can in turn be applied to new or subsequent PR event information to predict the impact of such new or subsequent PR events on future spending.

Abstract: A method includes analyzing payment account transaction data relevant to a motor vehicle. Based on at least one result of the analysis, an estimate is made concerning a number of miles traveled by the motor vehicle in a period since there was a vehicle maintenance transaction involving the motor vehicle. Based on at least one result of the estimation process, a notification is provided to a user of the motor vehicle concerning a need to obtain maintenance for the motor vehicle.

Abstract: Systems and methods are provided for predicting consumer relationship status and/or milestones. Payment transaction data can be leveraged to predict such consumer relationship statuses or milestones, whereby payment transaction data gleaned from a payment network can be aggregated in accordance with certain characteristics present in the payment transaction data, the aggregations being indicative of a particular relationship status or milestone. A weighting factor may then be applied to each of the various aggregations to determine a likelihood that a particular aggregation is actually indicative of some predicted relationship status or milestone. Based on the combination of the factoring results, a relationship status or milestone can be predicted and output as a deliverable to, e.g., a marketing firm, business entity, etc. Additionally, data from third-party or external information sources can be accessed/obtained and included in the relationship status or milestone prediction process.

Abstract: A method and system include receiving, by a leverage/module, data associated with a purchase transaction; determining that an account identifier associated with the received data identifies a composite account, wherein the composite account includes a collection of two or more card products; analyzing, by the leverage module, composite account data to determine at least one card product of the collection of card products to process the purchase transaction; selecting, by the leverage module, an account associated with at least one card product to process the purchase transaction based on the analysis; transmitting, by the leverage module, the selected at least one account to an issuer of the selected at least one card product for authorization of the purchase transaction. Numerous other aspects are provided.

Abstract: A system, method, and computer-readable storage medium configured to determine the line of business for a corporate payment account.

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: A system, method, and computer-readable storage medium configured to reduce the computational burden of commercial enterprises supplying bulk payment fees.

Abstract: A system, method, and computer-readable storage medium configured to reduce the computational burden of commercial enterprises supplying sliding scale fees.

Abstract: A method for identifying a payment card holder preference for a certain sales technique. The method involves retrieving, from one or more databases, a first set of information including purchasing and payment activity information attributable to one or more payment card holders; retrieving, from one or more databases, a second set of information including merchant information associated with the purchasing and payment activity; retrieving, from one or more databases, a third set of information including sales technique information; analyzing the first set of information and the second set of information to generate one or more predictive payment card holder profiles; and correlating the one or more predictive payment card holder profiles with the sales technique information to identify payment card holder preference for the certain sales technique. A system for identifying payment card holder preference for a certain sales technique is also provided.

Abstract: A system for correlating customer payment card purchases and contemporaneous weather conditions. The system comprises a first data storage device containing payment card transaction data and a second data storage device comprising historic weather data. A processor is provided and configured to identify correlations between payment card transactions and weather conditions contemporaneous to the transactions or otherwise associated therewith.

Abstract: A computer-implemented method for determining an actual geographic location of a payment transaction is provided. The method uses an actual geographic location analyzer computer device in communication with a memory. The method includes storing, in the memory, merchant data including a merchant physical address, receiving transaction data for a payment card transaction wherein the transaction data includes a merchant identifier, determining a merchant physical address associated with the merchant identifier, determining, by the actual geographic location analyzer computer device, an actual transaction location. The actual transaction location identifies where the payment card transaction was initiated. The method also includes determining, by the actual geographic location analyzer computer device, a locational difference between the merchant physical address and the actual transaction location.