Abstract: A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user-defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by

Abstract: A method for consumer verification of a payment transaction that exceeds previously established account limitations includes: storing account profiles, each including data related to a transaction account including a primary account number and transaction controls; receiving a transaction message related to a payment transaction including a specific primary account number, a point of sale identifier, and one or more additional data elements configured to store transaction details; identifying a specific account profile that includes the specific primary account number; determining that the payment transaction exceeds the account controls in the specific account profile based on the transaction details; transmitting question data for a plurality of questions to a point of sale associated with the point of sale identifier; receiving answer data from the point of sale; and transmitting the transaction message to a financial institution based on the answer data.

Abstract: A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user-defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by

Abstract: A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user-defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by

Abstract: A computer-implemented method comprising: intercepting, from an output of fraudulent activity determination software, an electronic transaction message; reading by a processing device, the intercepted message; detecting, that the received electronic transaction message includes a data field comprising a fraud-related decline code; updating, by the processing device, the received electronic message by replacing the fraud-related decline code with a hold code; generating, based upon the detection of the fraud-related decline code, at least one authentication request message configured to prompt at least one of a point of sale device and a user mobile device that authentication data is to be input by a user; transmitting, by a transmitting device and to the point of sale device, the updated electronic transaction message; and transmitting, by the transmitting device and to at least one of the point of sale device and a user mobile device, the at least one authentication request message.

Abstract: A fraud prevention system, method and medium analyzes a fraud prevention image, or a sequence of fraud prevention images, including a facial region of the user and a card associated with the user. The systems, methods and mediums may enable an image parser, a facial recognizer, a communication manager and an authenticator. The image parser may be adapted to parse the fraud prevention image into a facial image and a device image. The facial recognizer may be adapted to analyze the facial image to generate a current facial signature of the user. The authenticator may be adapted to authenticate the user based at least on comparison to the current facial signature and an enrolled facial signature. The communication manager may request a device verification based on a device signature and the authentication of the user. A liveness detector may verify liveness of the user within the fraud prevention image.

Abstract: Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. The method also utilizing the product selection information and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and providing, to the user selection device, merchant comparison data that includes the identified merchant entities and the sales transaction prices of the designated product.

Abstract: A system and method to provide a reward during a cashless transaction, i.e., in real-time, that is immediately applied to the cashless transaction to reduce the amount due from a customer. The system and method link the reward to a group comprised of the customer and his/her friends, family, colleagues, and adds a gaming aspect to a rewards program in that there is a possibility that a cardholder wins a reward each time he/she uses the credit card. The system and method calculates a probability value for the customer and/or for the group, generates a random number for the cashless transaction, and provides a reward if the random number and probability value are the same.

Abstract: A computer-implemented method for real-time fraudulent activity verification, comprising: displaying, on a user device, a first notification which prompts entry of a user-selected geographic area, the user-selected geographic area defining a valid region for processing of transactions associated with a user; receiving, by the user device, user-defined geographic data, the user-defined geographic data specifying at least one user-selected geographic area and defining the valid region for processing of transactions; transmitting, by the user device, the user-defined geographic data along with user data, the user data identifying the user device or the user; receiving, the user device, a second notification, the second notification being an authentication request message received in response to a proposed transaction associated with a user identifier related to the user; displaying, by the user device, the second notification; receiving, by the user device, user-provided authentication data; and transmitting, by

Abstract: A computer-implemented method comprising: intercepting, from an output of fraudulent activity determination software, an electronic transaction message; reading by a processing device, the intercepted message; detecting, that the received electronic transaction message includes a data field comprising a fraud-related decline code; updating, by the processing device, the received electronic message by replacing the fraud-related decline code with a hold code; generating, based upon the detection of the fraud-related decline code, at least one authentication request message configured to prompt at least one of a point of sale device and a user mobile device that authentication data is to be input by a user; transmitting, by a transmitting device and to the point of sale device, the updated electronic transaction message; and transmitting, by the transmitting device and to at least one of the point of sale device and a user mobile device, the at least one authentication request message.

Abstract: A method for consumer verification of a payment transaction that exceeds previously established account limitations includes: storing account profiles, each including data related to a transaction account including a primary account number and transaction controls; receiving a transaction message related to a payment transaction including a specific primary account number, a point of sale identifier, and one or more additional data elements configured to store transaction details; identifying a specific account profile that includes the specific primary account number; determining that the payment transaction exceeds the account controls in the specific account profile based on the transaction details; transmitting question data for a plurality of questions to a point of sale associated with the point of sale identifier; receiving answer data from the point of sale; and transmitting the transaction message to a financial institution based on the answer data.

Abstract: Methods, systems, and computer readable media for utilizing payment card transaction data to provide alert messages relating to unpurchased items to cardholder users are disclosed. In some aspects, the methods can include receiving a message including payment card transaction data designating one or more products or services purchased during a most recent payment card transaction conducted by a cardholder user, identifying the one or more products or services that were not purchased, but that should have been purchased, during the most recent payment card transaction, using aggregate payment card transaction data designating the one or more products or services purchased during any previous payment card transactions conducted by the cardholder user, generating an alert message identifying the one or more products or services that were not purchased, but that should have been purchased, during the most recent payment card transaction, and providing, to a cardholder user device, the alert message.

Abstract: A method and system are provided herein of improving the integrity of location data in records resulting from ATM-based single message transactions processed over a payment network including: electronically storing records on a specialized computing device, the records resulting from ATM-based single message transactions processed over a payment network; geocoding location data in the records to generate geocoded records which are electronically stored on the specialized computing device; extracting at least two details from a first of the geocoded records; and, comparing, using a special purpose database management system, the at least two details with data structures maintained in a special purpose database of ATM-related information generated independently of the records resulting from the ATM-based single message transactions.

Abstract: Methods, systems, and computer readable media for utilizing payment card transaction data to conduct product price comparisons are disclosed. In one example, the method includes receiving product selection information associated with a designated product from a user selection device and receiving geographic location information associated with the user selection device. The method also utilizing the product selection information and the geographic location information to identify merchant entities that have conducted sales transactions of the designated product within an area specified by the geographic location information and providing, to the user selection device, merchant comparison data that includes the identified merchant entities and the sales transaction prices of the designated product.

Abstract: Methods and systems are provided for identifying demand at, for example, merchants and ATMs located within selected geographic boundaries, and over a selected time frame. Transaction data for transactions conducted over the selected time frame is received at a computing device, and location data is associated with each of the transactions. The location data generally corresponds to a location at which each of the transactions occurred. The transactions are then grouped into geographic boundaries based on the location data. For each of the geographic boundaries, the transaction data is compared to a predefined benchmark. And, for each of the geographic boundaries satisfying the benchmark, demand indices are generated indicative of financial demand in the geographic boundary.