Abstract: A system and computer-implemented method for protecting against fraud by authenticating communications and communicative devices in real time and prior to accepting instructions or otherwise substantively engaging via the devices. A software app on the mobile phone of a cardholder creates a token, which is also provided to a card issuer. Historical authentication information is collected about the mobile phone and an associated cardholder. An authentication request, including the token, is received from the card issuer when communication is initiated by the mobile device. Current authentication information is also collected. The historical and current authentication information is analyzed, an authentication result is generated reflecting a likelihood that the mobile phone is being legitimately used by the cardholder associated with it, and the authentication result is communicated to the card issuer.

Abstract: Systems and methods are provided for promoting consumer interactions with merchants. One exemplary method includes associating a reference biometric to a merchant where the reference biometric is representative of a merchant affiliate associated with the merchant, and storing the reference biometric in a data structure as part of a merchant profile for the merchant. The method also includes receiving, at a computing device, a request from a communication device associated with a consumer where the request involves the merchant and includes a biometric captured by the communication device, and searching in the data structure, by the computing device, for the biometric included in the request. The method further includes, when the biometric included in the request matches the reference biometric representative of the merchant affiliate, responding to the request, by the computing device, with an incentive for purchase of at least one product at the merchant.

Abstract: Systems and methods are provided for use in facilitating payment account transactions. One exemplary method includes receiving, at a computing device, a biometric from a consumer and matching, by the computing device, the biometric to a merchant included in a data structure, where the merchant is associated with a product catalog including products offered for sale by the merchant. The method also includes returning, by the computing device, in response to the biometric, the product catalog to the consumer, and receiving a selection of a product therein from the consumer. The method then further includes facilitating a purchase transaction for the selected product and transmitting, by the computing device, a transaction confirmation for the purchase transaction to the consumer and/or the merchant, whereby the merchant is able to confirm the purchase transaction via the transaction confirmation and deliver the selected product to the consumer.

Abstract: A method for parking validation based on merchant rule compliance includes: receiving a parking notification, wherein the parking notification includes at least a geographic area identifier and is received from a computing device; executing a first query to identify one or more merchant rules related to a geographic area associated with the geographic area identifier; electronically transmitting the one or more merchant rules to the computing device; receiving an action notification related to an action performed by a user of the computing device; executing a second query to identify a specific merchant rule of the one or more merchant rules related to the received action notification; and electronically transmitting a validation notification to the computing device based on the specific merchant rule.