Abstract: There is provided a system and a method for the generation and management of point-of-sale (POS) electronic payment transaction receipts. The system and method include a POS component that performs a transaction at a location at which a customer and the POS component are physically present together generates content relating to the transaction; and a payment card that identifies a contact address to which an electronic receipt is to be sent. The POS component generates the electronic receipt based on the content relating to the transaction and causes the electronic receipt to be sent to the contact address identified on the payment card. The electronic receipt management system and method are based on payment transaction receipt information across a plurality of merchants, providing customers with an efficient solution for managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers.

Abstract: A method for fraud modeling based on shared computing device usage includes: storing transaction data entries, each including a transaction date and/or time, account identifier, and device identifier associated with a computing device; receiving a transaction message for a payment transaction, the transaction message including a specific device identifier, primary account number, and additional transaction data; identifying transaction data entries where the included device identifier corresponds to the specific device identifier; determining a fraud risk rating based on a number of unique account identifiers included in the identified transaction data entries over a predetermined period of time; and transmitting the transaction message and the determined fraud risk rating to a financial institution associated with the primary account number.

Abstract: A method for real-time measurement of campaign effectiveness includes: storing device profiles, each including a hashed device identifier, geographic location, and transaction entries including a transaction date and transaction data; receiving a data request including a start date, end date, merchant identifier, a plurality of device identifiers, and, for each device identifier, a category identifier of a set of category identifiers; generating a hashed identifier for each of the device identifiers; identifying, a device profile for each hashed device identifier; calculating purchase behaviors for each category based on transaction data in transaction data entries that include a transaction date between the start date and end date that are included in each identified device profile that is associated with the respective category and includes a geographic location corresponding to the merchant identifier; and transmitting at least one of: the calculated purchase behaviors and one or more metrics based thereon

Abstract: A method for double anonymization of data includes: receiving, by a first computing system, a plurality of first data sets, each including a set identifier and personally identifiable information; anonymizing, by the first computing system, each of the first data sets, by hashing the set identifier included in each first data set to obtain a hashed identifier and deidentifying the personally identifiable information; transmitting, by the first computing system, the plurality of anonymized first data sets to a second computing system, wherein the second computing system is distinct and separate from the first computing system; anonymizing, by the second computing system, each of the anonymized first data sets, by hashing the hashed identifier to obtain a double-hashed identifier; and storing, in the second computing system or a third separate and distinct computing system, the plurality of double anonymized first data.

Abstract: A method for generation and distribution of protected user-specific information includes encrypting, by a processing device of a computer system, using a first encryption key of an encryption key pair, predetermined digits of a payment account number, the encryption yielding an encrypted identifier. The processing device of the computer system then generates a machine-readable code that is encoded with the encrypted identifier and additional data. A transmitting device of the computer system transmits, via an electronic communication, the generated machine-readable code to an electronic device of a user and transmits a second encryption key, of the encryption key pair, to a specialized computer system, wherein the second encryption key is associated with the first encryption key used to yield the encrypted identifier.

Abstract: A method for automatic email generation and delivery based on transaction account linkage includes: storing a plurality of account profiles, each related to a transaction account and including a primary account number and an email address automatically generated for the transaction account upon issuance; receiving a transaction message for a payment transaction including a specific primary account number and transaction data; identifying a specific account profile that includes the specific primary account number; generating an email message, wherein a body of the email message includes content generated from the transaction data and a header of the email message includes the email address included in the identified specific account profile as a destination address; and transmitting the generated email message to a mail server for delivery to the destination address included in the header.

Abstract: There is provided a system and a method for the generation and management of point-of-sale (POS) electronic payment transaction receipts. The system and method include a POS component that performs a transaction at a location at which a customer and the POS component are physically present together generates content relating to the transaction; and a payment card that identifies a contact address to which an electronic receipt is to be sent. The POS component generates the electronic receipt based on the content relating to the transaction and causes the electronic receipt to be sent to the contact address identified on the payment card. The electronic receipt management system and method are based on payment transaction receipt information across a plurality of merchants, providing customers with an efficient solution for managing their receipts, and allowing merchants to offer better and more targeted recommendations for customers.

Abstract: A method for discounting a payment transaction include: storing, in a memory, transaction data for a payment transaction, wherein the transaction data includes at least a transaction amount; receiving, by a receiving device, payment data associated with a payment account, wherein the payment data includes at least a payment account number; receiving, by the receiving device, offer data, wherein the offer data includes an offer identifier associated with the payment account and a transaction modifier; encrypting, using a predetermined encryption key, at least a portion of the payment account number to obtain an encrypted account number; and updating, in the memory, the transaction amount included in the transaction data based on the transaction modifier if the encrypted account number corresponds to the offer identifier.

Abstract: Systems and methods are provided for use in predicting purchases in regions based on payment account transaction data from in and around the regions. One exemplary method includes generating a purchase propensity model based on historic transaction data and determining a recent sales value of the region based on a set of transactions that occurred in the region during a recent time interval. A set of consumer accounts that include transactions in the region during the recent time interval is determined. The computing device calculates consumer propensity scores for the consumer accounts based on the purchase propensity model. The propensity scores are combined into an overall purchase propensity for the region. The overall purchase propensity and recent sales value of the region are used to determine a predicted sales value of the region, whereby businesses in the region make business decisions confident that the predicted sales value is accurate.

Abstract: Systems and methods are provided for rerouting funds, associated with transactions between consumers and merchants, to direct-pay accounts associated with creditors that provide loan and/or credit arrangements to the merchants. One exemplary method generally includes identifying, by a computing device, funds directed to a primary payment account associated with a merchant during settlement of at least one transaction for which funds are directed to the merchant. The computing device then routes a first portion of the funds to a direct-pay account associated with a creditor of the merchant, whereby the first portion of the funds is delivered to the direct-pay account in service of a debt between the creditor and the merchant, without the first portion of the funds being appended to the primary account associated with the merchant. The computing device then also routes a second portion of the funds to the primary account associated with the merchant.

Abstract: As part of an online shopping process, a user's selection of offers, services, etc. is facilitated. A merchant's e-commerce server may form a composite display page that includes a display page section transmitted to the e-commerce server from a payment gateway in connection with an online purchase transaction. The display page section may include offer options selected or gathered by the payment gateway. The e-commerce server may serve the composite display page, including the offer options, to the customer in the online purchase transaction. The customer may easily select among the offer options, and may effect sign-up therefor without entering personal information to implement the offer, because that information has already been collected or become available during a checkout phase of the online purchase transaction.

Abstract: A method is provided for recommending relevant merchants for a consumer at a given geographical location. The method generally includes identifying, using a computing processing unit, transactions processed over at least one payment device network as being associated with a payment network account of a consumer. The identified transactions are then parsed to extract ISO 8583 formatted data. By evaluating the extracted ISO 8583 formatted data and determining a location of the consumer, a list containing merchant that are available for more purchases and within a predetermined distance to a geographical location of the consumer are determined. Furthermore, the list may be refined by evaluating the strength of the intersect between a plurality of consumer vectors and a plurality of merchant vectors.

Abstract: Systems and methods are provided for use in processing loyalty rewards. One exemplary method includes receiving a message associated with a transaction to a payment account where the message includes a primary account number (PAN) for the payment account, a merchant identifier for a merchant involved in the transaction, and at least one purchase parameter. The method also includes identifying, in a data structure, a loyalty account associated with both the merchant identifier and the payment account, and causing a loyalty account value associated with the loyalty account to be updated based on the at least one purchase parameter, whereby the loyalty account is updated by use of the payment account without a consumer associated with the payment account and/or the transaction separately presenting an indicator of the loyalty account to the merchant.

Abstract: According to some embodiments, a point of sale device may read a user's biometric information. The point of sale device may then execute an encryption algorithm on the biometric information read to create a token key value. The point of sale device may also receive a personal identification number value from the user and transmit the token key value and the personal identification number value to an authentication server. The authentication server may determine that the received token key value and the personal identification number value match a verified token key value and a verified personal identification number value in a registered user database. The authentication server may then transmit a signal to the point of sale device indicating that the received token key value and the personal identification number value match the verified token key value and the verified personal identification number value in the registered user database.

Abstract: Exemplary systems and methods for generating competitive merchant sets for target merchants are disclosed.

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: A method and a system are provided for authenticating secure payment card transactions and verifying and validating payment card user identities.

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 system, method, and computer-readable storage medium configured to enable vendor recommendations using payment card transaction information.

Abstract: Systems and methods are directed toward providing lending products to consumers, whose credit records are limited or nonexistent (e.g., unbanked consumers, underbanked consumers, etc.), based on purchasing behaviors of the consumers (with or without separate credit evaluation). In connection with providing the lending products, purchase data is initially received from a merchant for products purchased from the merchant by the consumers. Profiles are then compiled for the consumers, based on the purchase data, and correlated to a metric profile to determine whether or not to qualify the consumers to one or more appropriate lending products.