Abstract: A method and a system for real time targeted advertising using purchase transaction data and payment card holder activity and location information in a retail environment. The system includes a radio frequency identification (RFID) reader situated in a retail environment. The RFID reader communicates with an RFID tag that is situated on a payment card of a payment card holder to track the payment card holder as the payment card holder walks around in the retail environment. The system also includes a processor configured to select a predictive behavioral model based on payment activities attributable to the payment card holder and payment card holder activity and location in a retail environment, associate the predictive behavioral model with merchant advertising information, and convey the associated information to a merchant to enable the merchant to make a targeted offer to the payment card holder.

Abstract: A computer-implemented method for enhancing fraud detection based on transactions at potentially compromised locations is provided. The method includes determining a list of potentially compromised transaction locations, storing the list of potentially compromised transaction locations, and receiving from a first transaction location a first authorization request message for a first transaction. The first authorization request message is associated with a first payment account.

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 computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel.

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.

Abstract: A method for identifying relationships between consumer and merchant service characteristics includes: storing consumer profiles that include consumer characteristics associated with a consumer and transaction data for transactions involving the associated consumer and a specified merchant; storing merchant profiles that include service characteristics associated with a merchant; identifying a group for each consumer characteristic that includes consumer profiles having that consumer characteristic; identifying a group for each service characteristic that includes merchant profiles having that service characteristic; and identifying characteristic relationships that include a consumer characteristic and service characteristic based on transaction data included in consumer profiles in the consumer group of the consumer characteristic that involve merchants associated with merchant profiles in the merchant group of the service characteristic.

Abstract: A method for identifying purchase behavior using handwriting characteristics includes: storing, in a handwriting database, a plurality of handwriting profiles, wherein each handwriting profile includes at least a handwriting characteristic and one or more associated purchase behaviors; receiving, by a receiving device, a handwriting sample; analyzing, by a processing device, the received handwriting sample to identify one or more handwriting characteristics; identifying, in the handwriting database, a specific handwriting profile for each of the identified one or more handwriting characteristics, wherein the specific handwriting profile includes the respective handwriting characteristic; and transmitting, by a transmitting device, the one or more associated purchase behaviors included in each of the identified specific handwriting profiles.

Abstract: The present invention relates to a liquid (meth)acrylic syrup, its method of polymerization and article obtained thereof. In particular the present invention deals with a liquid (meth)acrylic syrup comprising an initiation system for polymerization at low temperature. More particularly the present invention relates to a liquid (meth)acrylic syrup comprising an initiator system for polymerization at low temperature, said initiating system comprises at least one accelerator, at least one organic aldehyde, at least one peracid and at least one liquid peroxy compound; an impregnation process for a fibrous substrate, the liquid (meth)acrylic syrup for implementing this process, and the obtained impregnated fibrous substrate. The impregnated fibrous substrate is suitable for manufacturing mechanical or structured parts or articles.

Abstract: A method and a system are provided for determining political affiliation and/or attitude trends of a plurality of payment card holders. The method includes retrieving from one or more databases a first set of information comprising payment card transaction information of a plurality of payment card holders, and retrieving from the one or more databases a second set of information comprising external information. The external information comprises political affiliation and/or attitude information of a plurality of merchants, and political affiliation and/or attitude information of the plurality of payment card holders. The method also includes analyzing the first set of information and the second set of information to identify one or more associations between the payment card transaction information and the external information, and determining political affiliation and/or attitude trends of the plurality of payment card holders based on the one or more associations.

Abstract: A method for linking travel visa data to transaction history includes: storing a plurality of consumer profiles, each profile including data related to one or more consumers including a plurality of consumer characteristics associated with each of the related one or more consumers and a plurality of transaction data entries each corresponding to a payment transaction involving one of the related one or more consumers; receiving a travel visa profile, the profile including travel visa data associated with one or more specific consumers and a plurality of demographic characteristics associated with each of the one or more specific consumers; identifying a consumer profile of the plurality of consumer profiles where at least a predefined number of the included plurality of consumer characteristics correspond to the plurality of demographic characteristics; and associating each identified consumer profiles with the travel visa data included in the received travel visa 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: The present invention relates to a liquid (meth)acrylic syrup for impregnating a fibrous substrate. The present invention relates in particular to a viscous liquid syrup mainly containing methacrylic or acrylic components. The invention also relates to a process for manufacturing such a syrup. The invention also relates to a process for impregnating a fibrous substrate or long fibers with said viscous liquid syrup. The invention also relates to a fibrous substrate preimpregnated with said syrup, which is useful for manufacturing mechanical or structured parts or products. The present invention also relates to a manufacturing process for manufacturing mechanical or structured parts or articles and to three-dimensional mechanical or structured parts obtained by this process. The invention applies to the preparation of mechanical parts or structural elements made of fire-resistant thermoplastic composite material.

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 computer-implemented method for identifying cardholder stock-piling behavior is implemented by a purchase analysis computer system in communication with a memory. The method includes retrieving at least one stock-piling profile used to identify transaction characteristics consistent with a stock-piling event wherein the stock-piling profile includes a plurality of ranges of expected cardholder transaction volumes associated with a plurality of categories of transactions, receiving a plurality of transaction data associated with the plurality of categories of transactions, determining an actual cardholder transaction volume for each of the plurality of categories of transactions, and identifying cardholder stock-piling behavior by comparing the actual cardholder transaction volume to the range of expected cardholder transaction volume for each of a plurality of categories of transactions.

Abstract: A copolymer having amphiphilic blocks includes at least one first hydrophilic block, obtainable from n-butyl acrylate and hydroxyethyl methacrylate monomers, and a second hydrophobic block likely to be obtained from a methyl methacrylate monomer. The copolymer is found to be particularly advantageous for use as an additive for manufacturing a polymer filtration membrane, particularly a PVDF membrane, particularly via a phase inversion method.

Abstract: Liquid (meth)acrylic syrup for impregnating a fibrous substrate, method of impregnating a fibrous substrate, composite material obtained following polymerisation of the pre-impregnated substrate The present invention relates to a liquid (meth)acrylic syrup for impregnating a fibrous substrate. The present invention relates in particular to a viscous liquid syrup mainly containing methacrylic or acrylic components. The invention also relates to a process for manufacturing such a syrup. The invention also relates to a process for impregnating a fibrous substrate comprising long glass fibers with said viscous liquid syrup. The invention also relates to a fibrous substrate preimpregnated with said syrup, which is useful for manufacturing transparent parts especially for the building sector. The present invention also relates to a manufacturing process for manufacturing transparent parts obtained via this process.

Abstract: The invention relates to a liquid (meth)acrylic syrup for impregnating a fibrous substrate. The invention especially relates to a viscous liquid syrup mainly containing methacrylic or acrylic components. The invention also relates to a method for producing such a syrup. The invention relates further to a process for impregnating a fibrous substrate or long fibers with said viscous liquid syrup. The invention also relates to a fibrous substrate preimpregnated with said syrup, which is useful for the production of mechanical or structured parts or products. The invention also relates to a production method for producing mechanical or structured parts or items and to three-dimensional mechanical or structured parts produced by said method. The invention applies to the production of mechanical parts or structural elements made of impact-resistant thermoplastic composite material.

Abstract: A method for determining payment card holder preference of a merchant from a grouping of proximal merchant competitors is provided. The method includes retrieving a first set of information including purchasing and payment activity information attributable to payment card holder(s); retrieving a second set of information including merchant information; optionally retrieving a third set of information including external information; analyzing the second set of information and optionally the third set of information to generate grouping(s) of proximal merchant competitors; associating the purchasing and payment activity information attributable to the payment card holders and the groupings of proximal merchant competitors to generate predictive payment card holder profile(s); and determining payment card holder preference of a merchant from a grouping of proximal merchant competitors based on the predictive payment card holder profile(s).

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 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.