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 method for monitoring for unwanted recurring transactions includes: storing account profiles, each including a primary account number, communication details, and transaction data entries having data related to a completed transaction including a paid amount, merchant identifier, and indication of being a recurring or non-recurring transaction; receiving a transaction message related to a payment transaction, the transaction message including a specific primary account number, transaction amount, specific merchant identifier, and indication of a recurring payment transaction; identifying a specific account profile that includes the specific primary account number; determining a likelihood of an unwanted recurring payment based on a lack of transaction data entries in the specific account profile that include the specific merchant identifier and an indication of being a recurring transaction; and transmitting a notification to a computing device based on the communication details included in the identified sp

Abstract: The present invention relates to a composite material obtained by in situ polymerization of a thermoplastic resin with a fibrous material. More particularly the present invention relates to a polymeric composite material obtained by in-situ polymerization of a thermoplastic (meth) acrylic resin and a fibrous material containing long fibers and its use, a process for making such a composite material and manufactured mechanical or structured part or article comprising this polymeric composite material.

Abstract: A system, method, and computer-readable storage medium configured to forecast and model demand.

Abstract: Exemplary systems and methods are provided for directing offer content to consumers at communication devices, while the consumers are at merchants. An exemplary method includes detecting an application identifier associated with a communication device at or near a merchant, and receiving signal strength records from the communication device indicative of signal strengths for wireless networking devices at a given time and associated with the application identifier. The method also includes accessing a zone map for the merchant that includes different zones each defining a position of at least one product, and plotting a path of the communication device, per given time, relative to the zone map. The method further includes displaying an offer for a product to the communication device, based on the path of the consumer through the merchant, along with other factors such as historical behavior patterns of the consumer, similar patterns from other consumers, etc.

Abstract: Exemplary embodiments of systems and methods are provided for locating products within a shopping region. In an exemplary embodiment, a method includes receiving, at a computing device, a request for a product from a consumer, and accessing, by the computing device, a product position data structure that is specific to the shopping region, where the product position data structure includes multiple product entries with each of the multiple product entries being specific to a merchant within the shopping region. The method also includes identifying at least one product entry, from the product position data structure, based on the request for the product received from the consumer, and then causing, by the computing device, via an internet-based application, a position of the identified at least one product entry to be displayed at a communication device associated with the consumer, relative to a position of the consumer in the shopping region.

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: 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 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 predictive modeling of consumer immigration includes: storing transaction messages, each including a common primary account number, a merchant country, an issuer country, a transaction date, and additional data elements; identifying a first subset of transaction messages where the merchant is different from the issuer country; identifying a second subset of transaction messages where the merchant country is the same as the issuer country; determining, by the processing device of the processing server, an immigration date based on a comparison of a transaction frequency of transaction messages in each of the first subset and the second subset; identifying purchase behaviors based on data stored in each transaction message where the transaction date is earlier than the immigration date; and generating a predictive model configured to be applicable to transaction data to determine a likelihood of immigration based on the purchase behaviors.

Abstract: Systems and methods are provided for processing a charge for a disputed transaction to a payment account associated with a consumer. In connection therewith, a refund request is initially received, from the consumer, relating to a transaction at a merchant charged to the consumer's payment account. The refund request includes an amount of the disputed transaction charged to the consumer's payment account. Next, a dispute score is generated for the refund request, and compared to a defined threshold. At least one of the dispute score and the defined threshold is based on a variable other than (i.e., potentially in addition to) the amount of the transaction. When the dispute score is less than, or more generally satisfies, the threshold, a dispute settlement indicator is generated for the transaction without causing a chargeback transaction to an acquirer associated with the merchant.

Abstract: According to some embodiments, an acquiring party prediction platform may receive transaction information about a plurality of transactions associated with a merchant, and different transactions may be associated with different acquiring parties. The transaction information may be analyzed to generate a prediction that a particular acquiring party may be associated with a transaction volume below a threshold volume in the future. An indication associated with the prediction may then be transmitted.

Abstract: The present invention relates to an impregnation process for a fibrous substrate, a liquid composition for implementing this process and the obtained impregnated fibrous substrate. The impregnated fibrous substrate is suitable for manufacturing mechanical or structured parts or articles. In particular the present invention deals with an industrial process for impregnating a fibrous substrate or long fibers with a viscous liquid composition containing mainly methacrylic, vinylic or acrylic components either in form of monomers or polymers. This viscous composition is called hereafter liquid monomer syrup. The invention concerns also a fibrous substrate pre-impregnated with said syrup which is useful for manufacturing mechanical or structured parts or articles. More particular the impregnation of fibrous substrate with the monomer syrup is achieved in a mould.

Abstract: The present invention relates to an impregnation process for a functional fibrous substrate, a liquid composition for implementing this process and the obtained impregnated fibrous substrate. The impregnated functional fibrous substrate is suitable for manufacturing mechanical or structured parts or articles. In particular the present invention deals with an industrial process for impregnating a functional fibrous substrate or long functional fibers with a viscous liquid composition containing mainly monomer components. This viscous composition is called hereafter liquid monomer syrup. The invention concerns also a functional fibrous substrate pre-impregnated with said syrup which is useful for manufacturing mechanical or structured parts or articles. More particular the impregnation of functional fibrous substrate with the monomer syrup is achieved in a mould.

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 computer-implemented method for recommending items for future purchase by a consumer based on the consumer's historical actions is provided. The method is implemented using an adaptive recommendation (“AR”) computer device in communication with a memory. The method includes receiving from a recommender server computing device at least one preference vector, storing the at least one preference vector, receiving at least one consumer action including a time aspect, from a candidate consumer, and determining at least one personalized vector based on the at least one preference vector, the at least one consumer action, and the time aspect associated with each of the at least one consumer action. The at least one personalized vector represents at least one future purchase that the candidate consumer will likely conduct. The method also includes displaying at least one recommendation to the candidate consumer based on the at least one personalized vector.

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 method for identifying consumer purchase probability includes: storing transaction data entries, each entry including a transaction time, a consumer identifier, and a first product identifier or second product identifier; receiving transaction data for a specific consumer's transaction including a purchase time and the first product identifier; identifying a present time; calculating a ratio of consumers that have purchased the first and second products to consumers that have only purchased the first product; calculating, for consumer that have purchased both products, an average time interval based on a difference in the transaction time for purchase of the first product and transaction time for purchase of the second product; calculating a recency time based on time between the present time and the purchase time; and calculating a probability that the specific consumer will purchase the second product based on the calculated ratio of consumers, average time interval, and recency time.

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.