Abstract: In one embodiment, a system and method is provided to intercept an approval routing at a check-out and before the submission over the legacy routing system and before the starting of associated timers. Data identifying a customer account is routed over a different system for additional functions. Upon completion of the routing over the different system, the customer account data is submitted to the merchant POS to start the legacy approval routing.

Abstract: A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to obtain content relevant to the receipt for the transaction approved by the authorization response. The content may identify the benefit of an offer applied to the transaction, which is not reflected in the authorization response. The content may direct the user to select an option regarding the delivery of the receipt. Options presented for selection include suppression of the printing of the paper receipt in favor of an electronic receipt transmitted to a communication reference of the user, printing a mini paper receipt in addition to transmitting an electronic receipt, and/or printing the full paper receipt at the transaction terminal.

Abstract: In one aspect, a computing apparatus is configured to represent offer rules based on requirements for the detection of predefined types of events and actions scheduled to be performed in response to the detection of each occurrence of the events. The events are independent from each other in processing and are linked via prerequisite conditions to formulate the requirements of an offer campaign. The computing apparatus is configured to store data indicating the completion statuses of the events and process the events, including the scheduled actions, if any, in an atomic way. Thus, the offer rules can be changed on-the-fly during run time execution by the computing apparatus.

Abstract: Provided is a method for presenting images with embedded links for multi-channel redemption in a user interface. The method includes displaying an image including a first selectable portion and a second selectable portion, wherein a first link is embedded in the first selectable portion and points to a portal under control of a transaction handler, the first link identifying an offer for a merchant including at least one condition, and wherein a second link is embedded in the second selectable portion and points to the merchant. The method further includes, in response to a user selecting the first selectable portion of the image and following the first link, identifying, by the transaction handler and/or the portal, the user and an account of the user, and associating, by the transaction handler and/or the portal under control of the transaction handler, the offer with the account of the user.

Abstract: Provided is a method for presenting images with embedded links for multi-channel redemption in a user interface. The method includes displaying an image including a first selectable portion and a second selectable portion, wherein a first link is embedded in the first selectable portion and points to a portal under control of a transaction handler, the first link identifying an offer for a merchant including at least one condition, and wherein a second link is embedded in the second selectable portion and points to the merchant. The method further includes, in response to a user selecting the first selectable portion of the image and following the first link, identifying, by the transaction handler and/or the portal, the user and an account of the user, and associating, by the transaction handler and/or the portal under control of the transaction handler, the offer with the account of the user.

Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.

Abstract: Predicting the future location of a user based on predicting the route that the user might take is disclosed. The routes used by the user in the past are indexed to generate a dictionary of routes which can be further augmented with contextual data. The prior routes are encoded within the dictionary such that each term representing a respective one of the prior routes comprises a collection of unique identifiers wherein each of the unique identifiers represents a segment of the respective one of the prior routes. Techniques of text prediction, term frequency for dictionary scores and other language processing techniques are used to predict the further route of the user.

Abstract: Predicting the future location of a user based on predicting the route that the user might take is disclosed. The routes used by the user in the past are indexed to generate a dictionary of routes which can be further augmented with contextual data. The prior routes are encoded within the dictionary such that each term representing a respective one of the prior routes comprises a collection of unique identifiers wherein each of the unique identifiers represents a segment of the respective one of the prior routes. Techniques of text prediction, term frequency for dictionary scores and other language processing techniques are used to predict the further route of the user.

Abstract: To automate the redemption of offer benefits, data associating offers and payment accounts is stored in the data warehouse of a first transaction handler. If a payment account to which an offer is associated is in the payment processing network of a second transaction handler separate from the first transaction handler, the system uses a payment processor that is in both the payment processing network of the first transaction handler and the payment processing network of the second transaction handler to communicate with the first transaction handler to detect the authorization request in the payment account that satisfies the benefit redemption requirements of the respective offer and apply the offer benefit to the transaction when the authorization request is detected.

Abstract: In some embodiments, a universal filtering and verification hub server is accessible over the Internet from a sponsor computer. A filtering module automatically determines a level of identity verification depending on the sponsor and the type of arrangement desired to be sponsored. An identity module and/or compliance module is activated depending on the sponsor and an automated workflow is executed. Upon completion, an arrangement program ID is generated, and is correlated with a sponsor ID. The communications are encrypted, and a high level of encryption is used for storing an arrangement program ID.

Abstract: A user is involved in security on each access of a website, application or other computer element, and leveraging the user to enhance security. In one embodiment, a Post widget is placed on a website login page on the user's browser. The Post widget will record access activity and report the activity to a remote Access Alert server. Upon each subsequent access, a pop-up display will indicate to the user access history, such as recent successful or unsuccessful access activity.

Abstract: Selection of offers, locations or merchants based on their distances from a portion of a user's route and their affinity for the user is disclosed. A route employed by a user for travelling to a destination is obtained and segmented at identified vertices. Locations that are proximate to the route segments are determined. The proximate locations are further analyzed to obtain their specific distances from a selected portion such as the user's origin or destination or any route segment. Location based services are associated with those proximate locations that are closest to the selected portion on the user's route or those with the better utility.

Abstract: An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.

Abstract: Processing of a transaction involving one or more third-parties and offers is described. Certain embodiments allow for suspending a received authorization request message which includes a transaction amount and a token mapped to a primary account number. One or more third-parties may be queried for an offer or discount eligible towards the transaction. The authorization request message may be adjusted to reflect one or more eligible offers from the one or more third-parties. The authorization request message may also be adjusted to replace the token with the mapped PAN. The authorization request message may then be sent to an issuer for further processing.

Abstract: Selection of offers, locations or merchants based on their distances from a portion of a user's route and their affinity for the user is disclosed. A route employed by a user for travelling to a destination is obtained and segmented at identified vertices. Locations that are proximate to the route segments are determined. The proximate locations are further analyzed to obtain their specific distances from a selected portion such as the user's origin or destination or any route segment. Location based services are associated with those proximate locations that are closest to the selected portion on the user's route or those with the better utility.

Abstract: Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction, and transmitting messages containing product specific data. Systems may be implemented to product identifiers during payment processing. The messages may be sent including product identifiers, and further information regarding the products associated with the product identifiers.

Abstract: An advertised incentive system receives advertised incentive configuration information provided by a merchant. The advertised incentive configuration information defines the content of advertised incentive banners. The advertised incentive banners are provided as needed to merchants to display on the merchant's website. Advertised incentive registration information is received from an account holder after the account holder interacts with the advertised incentive banner. Transaction information is received that contains a qualified purchase made by the account holder. The advertised incentive registration and the qualified purchase are matched. A statement credit is issued against the account holder's account and a debit is issued against the merchant's account in the amount of the statement credit.

Abstract: A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account.

Abstract: A system includes a digital camera coupled with or integrated within a transaction terminal to capture an image during authorization of a transaction initiated at the transaction terminal. The system further includes a portal configured to receive the image and transmit the image to a communication reference associated with the account information of an account in which the transaction is made, based on a security preference associated with the account information. The image may be optionally analyzed to detect fraudulent use of the account.

Abstract: A system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of a user, and a portal to receive a user selection of a first portion of an announcement of a reward. The portal tracks user interactions associated with the announcement to determine whether the user is qualified for the reward. Upon a determination that the user has completed the user interactions for the reward, the transaction handler provides the reward to the account of the user via statement credit.