Abstract: A system, method, and computer-readable storage medium configured to model and predict payment intentions of a payment cardholder based on cardholder behavior, and to make payments on the cardholder's behalf.

Abstract: Campaign-production management is performed for a plurality of campaigns on at least a primary server or a secondary server. The plurality of campaigns is processed on the primary server. The contents of the plurality of campaigns are synchronized between the primary server and the secondary server. On failure of the primary server, processing of the plurality of campaigns is transferred to the secondary server. Further, the failback of the processing of the campaigns is performed on the primary server.

Abstract: Campaign-production management is performed for a plurality of campaigns on at least a primary server or a secondary server. The plurality of campaigns is processed on the primary server. The contents of the plurality of campaigns are synchronized between the primary server and the secondary server. On failure of the primary server, processing of the plurality of campaigns is transferred to the secondary server. Further, the failback of the processing of the campaigns is performed on the primary server.

Abstract: Embodiments of the present invention provide a system, method, apparatus, means, and computer program code for distributing security information used to access a resource and for facilitating secure access to a resource. A method for facilitating security for access to a resource may include providing a first code to an individual at an address of record associated with the user, wherein the user is associated with an account; providing a second code to the first individual via a first statement for the account; and requiring the first individual to provide the first code and the second code when the first individual attempts to access a resource associated with the account.