Abstract: In an enterprise where a database maintains multiple accounts for one or more business customers, a method, system, and computer program product correctly links accounts which are associated with a single location of a common business. Further hierarchical linkages are established between accounts associated with multiple locations of the common business. The linkages are established via matching rules, the matching rules including provisions for optimizing the quality of the account data, integrating account-related data from external sources, and assigning quality-of-matching factors to different kinds of account data. Both internal and external account data are utilized to create an integrated view, or “business demographics”, of the business structure of the single common business shared by the linked, hierarchically-related accounts. Separate accounts of separate businesses which are nonetheless related accounts may be associated with each other.

Abstract: The present invention provides a system and method for mitigating identity theft risk by restricting shipment of merchandise purchased with instant credit to a verified address. Customer authentication information associated with instant credit is identified. The customer authentication information is verified. Shipment of merchandise purchased with the instant credit is restricted to a verified address to mitigate identity theft risk.

Abstract: A system, method, and computer program for providing a merchant with a fraud score for a card not present transaction. A card not present transaction is detected. A fraud score is appended to a message that provides information about the card not present transaction. The message is transmitted to the merchant. In one example, the message is an authorization message. In another example the message is an address verification message.

Abstract: A computer implemented method and apparatus for ensuring secured dialog between a card holder and a card provider via a network is provided. The system facilitates real-time communicate between a card provider virtual agent and a card holder using a card holder interface operating via a network. In a typical arrangement, the card holder requests completion of a transaction from a merchant system via a network. The upon receiving notification that the transaction request has been denied by the card provider system, the card holder is provided real-time access to the card provider virtual agent. The virtual agent may then send a transaction approval code to the card provider system overriding any transaction denial and permitting the card holder to resubmit the transaction request to the merchant system for subsequent approval.

Abstract: A computer implemented method and apparatus for ensuring secured dialog between a card holder and a card provider via a network is provided. The system facilitates real-time communicate between a card provider virtual agent and a card holder using a card holder interface operating via a network. In a typical arrangement, the card holder requests completion of a transaction from a merchant system via a network. The upon receiving notification that the transaction request has been denied by the card provider system, the card holder is provided real-time access to the card provider virtual agent. The virtual agent may then send a transaction approval code to the card provider system overriding any transaction denial and permitting the card holder to resubmit the transaction request to the merchant system for subsequent approval.

Abstract: The present invention provides systems and methods for global address verification of a transaction, such as a transaction card purchase. In accordance with an exemplary embodiment of the present invention, the system verifies a billing address and/or an alternate address (e.g., shipping address) in a single transaction. The billing address and/or the alternate address are associated with a transaction card purchaser. If the billing and/or alternate addresses are verified, then the transaction card issuer may offer a payment guarantee to the merchant. The merchant may choose to ship the purchased item to either a billing address or an alternate address. If the address is not verified, then the transaction card issuer may choose not to offer a payment guarantee to the merchant, and the merchant may choose not to ship the item to the alternate address.