Abstract: A system and computer-implemented method for detecting and addressing billing fraud by an asserted provider of a good or service based on location data associated with card-based financial transactions by an asserted recipient and collected, stored, analyzed, and acted on by a payment card network to determine and respond to a likelihood of fraud. A computer stores locations of the recipient based on uses of a payment card over a time period, and determines a location of the provider based on location data associated with a card reader at a particular time at which the good or service was allegedly provided. The computer compares the two locations for the particular time and generates a fraud score based on a likelihood that the recipient was physically capable of being at the provider location at the particular time, and based on the score, may notify the recipient and decline the payment request.

Abstract: A system and method for sensing a seat occupancy by an individual and executing an ecommerce transaction via the individual's mobile device for the cost of a ticket based on the occupied seat. For example, an attendee enters a multiplex and chooses a theater and a seat from which to watch a movie, or a passenger enters a station and chooses a train and a seat in which to travel. In both cases, the occupancy of the seat is detected, an amount owed is determined based on the occupancy of the seat, and an ecommerce transaction is initiated via the mobile device to pay the amount. The determination of the amount may be delayed for a period after the individual has stopped moving to ensure they have made their final choice. The individual may be required to verify a relevant characteristic, such as age or membership in a discounted group.

Abstract: A system and computer-implemented method for detecting and addressing billing fraud by an asserted provider of a good or service based on location data associated with card-based financial transactions by an asserted recipient and collected, stored, analyzed, and acted on by a payment card network to determine and respond to a likelihood of fraud. A computer stores locations of the recipient based on uses of a payment card over a time period, and determines a location of the provider based on location data associated with a card reader at a particular time at which the good or service was allegedly provided. The computer compares the two locations for the particular time and generates a fraud score based on a likelihood that the recipient was physically capable of being at the provider location at the particular time, and based on the score, may notify the recipient and decline the payment request.

Abstract: A system and method for sensing a seat occupancy by an individual and executing an ecommerce transaction via the individual's mobile device for the cost of a ticket based on the occupied seat. For example, an attendee enters a multiplex and chooses a theater and a seat from which to watch a movie, or a passenger enters a station and chooses a train and a seat in which to travel. In both cases, the occupancy of the seat is detected, an amount owed is determined based on the occupancy of the seat, and an ecommerce transaction is initiated via the mobile device to pay the amount. The determination of the amount may be delayed for a period after the individual has stopped moving to ensure they have made their final choice. The individual may be required to verify a relevant characteristic, such as age or membership in a discounted group.

Abstract: A system and method for sensing a seat occupancy by an individual and executing an ecommerce transaction via the individual's mobile device for the cost of a ticket based on the occupied seat. For example, an attendee enters a multiplex and chooses a theater and a seat from which to watch a movie, or a passenger enters a station and chooses a train and a seat in which to travel. In both cases, the occupancy of the seat is detected, an amount owed is determined based on the occupancy of the seat, and an ecommerce transaction is initiated via the mobile device to pay the amount. The determination of the amount may be delayed for a period after the individual has stopped moving to ensure they have made their final choice. The individual may be required to verify a relevant characteristic, such as age or membership in a discounted group.

Abstract: A system, computer-readable media and computer-implemented method for geo-verification of consumer reviews. The method may be carried out by one or more processor(s) configured to execute instructions of a software application stored on the computer-readable media. The method may include receiving consumer location data and generating a first one-time code. The first one-time code and a seller location identifier may be stored in an entry of a review code database, the seller location identifier reflecting a location of a consumer corresponding to the consumer location data. A second one-time code and at least a portion of a review may be received, the at least a portion of the review including a seller location reference. The entry including the seller location identifier may be identified, the seller location identifier corresponding to the seller location reference. The first one-time code of the entry may be matched to the second one-time code.

Abstract: A scheduling and management system for managing reservations of rooms and devices includes a computer system and a sensor in communication with the computer system. The computer system implements a reservation scheduling program and other computer programs. The sensor is mounted in or near a room that may be reserved or near or on a device that may be reserved. The sensor monitors occupancy of the room or use of the device and transmits occupancy or use information to the computer system. The computer system evaluates the occupancy or use information and cancels the reservation if the occupancy or use information indicates the room or device is not being used pursuant to the reservation. The computer system also warns users of reservation violations, modifies future reservation rights of users pursuant to customizable rule settings, and triggers payments for rooms that are available to rent.

Abstract: A computer-implemented method for facilitating a payment between merchants and consumers at a convention or other private, temporary event is implemented with a computer server programmed with pay application software. Profile information for at least one merchant and consumer, including identifying information and payment information, is received and stored in merchant and consumer portals. A purchase request identifying a product the consumer wishes to purchase is generated by an electronic device operated by the consumer while the consumer is attending the event. The purchase request is communicated to the server, which then retrieves transaction information related to the purchase request from the merchant and consumer portals. The pay application server then transmits the transaction information to a payment interchange, which transfers funds from the consumer to the merchant and sends payment confirmation back to the pay application server.

Abstract: A system and method for sensing a seat occupancy by an individual and executing an ecommerce transaction via the individual's mobile device for the cost of a ticket based on the occupied seat. For example, an attendee enters a multiplex and chooses a theater and a seat from which to watch a movie, or a passenger enters a station and chooses a train and a seat in which to travel. In both cases, the occupancy of the seat is detected, an amount owed is determined based on the occupancy of the seat, and an ecommerce transaction is initiated via the mobile device to pay the amount. The determination of the amount may be delayed for a period after the individual has stopped moving to ensure they have made their final choice. The individual may be required to verify a relevant characteristic, such as age or membership in a discounted group.

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.