Abstract: A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time.

Abstract: A system may store a first merchant identifier in response to a registration of a first merchant and a user identifier in response to a registration of a user. The system may also store an access permission to control access by the first merchant to a first context. The access permission may be configured for retrieval by a query including at least one of the user identifier or the first merchant identifier. A user may access the system using a voice personal assistant. The system may authenticate the user based on spoken input to the voice personal assistant. The system may return the first context in response to a first application programming interface (API) call and in response to the access permission authorizing access to the first context. The system may facilitate transactions using a voice personal assistant.

Abstract: The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.

Abstract: An eligibility module may receive batch credit bureau data and real time transaction data. The eligibility module may rank and score consumer based on the credit bureau data and the transaction data. A marketing campaign may he created to target consumers with a new product. The eligibility module may provide a list of consumers eligible for the new product. A real time eligibility check may be performed prior to transmitting an offer for the new product to a consumer. The real time eligibility check may be performed without requesting current credit bureau data. The consumer may access the offer, and an additional real time eligibility check may be performed prior to presenting the offer to the consumer.

Abstract: The system provides location based coupon-less offers based upon a location of a card member (CM). A location of a CM may be determined based upon one or more of a travel itinerary, a GPS signal, a proximity of a mobile communication device to a cellular base station, and/or a zip code. An offer from a merchant registered to provide coupon-less offers may be transmitted to a mobile communication device based upon the location. An offer, once accepted by a CM, may be matched to a record of charge associated with a transaction account held by the CM. A credit may be applied to the CM's transaction account and a debit may be applied to a transaction account of the registered merchant. One or more offer categories and/or one or more offer category classes may be transmitted to the mobile communication device based upon the CM's location.

Abstract: The system integrates transaction account issuers, merchants, and consumers. A transaction account issuer may provide one or more APIs to merchants. The transaction account issuer may provide a sandbox environment for merchants to test applications with the APIs. The transaction account issuer may provide documentation to assist the merchants in integrating with the transaction account issuer. The transaction account issuer may notify the merchants of any changes to the documentation.

Abstract: A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time.

Abstract: A method comprises transmitting, by a merchant web-client, a signal using a low energy consuming device, wherein the signal may be received by a transaction account holder web-client, wherein the signal may carry content associated with a merchant, and wherein the merchant is associated with the merchant web-client, and/or receiving, by the merchant web-client, a response from the transaction account holder web-client, wherein the response may be transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device. The content may comprise an advertisement associated with an item offered for sale by the merchant.

Abstract: The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.

Abstract: The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.

Abstract: The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.

Abstract: Systems and methods that identify and manage partner relationships are disclosed. A third-party trustee collects and processes confidential customer information from more than one interested parties. The third-party trustee acts as a neutral intermediary between the parties. The third-party trustee processes and analyzes the information received from the various parties to identify mutual and/or prospective customers between the interested parties. The processing results may then be used for further analysis to help at least one of the interested parties to improve their marketing efforts, risk management, and servicing of their customers.

Abstract: Systems and methods that identify and manage partner relationships are disclosed. A third-party trustee collects and processes confidential customer information from more than one interested parties. The third-party trustee acts as a neutral intermediary between the parties. The third-party trustee processes and analyzes the information received from the various parties to identify mutual and/or prospective customers between the interested parties. The processing results may then be used for further analysis to help at least one of the interested parties to improve their marketing efforts, risk management, and servicing of their customers.

Abstract: A system that enables development and execution of predictive models comprises a centralized data management system, a data extraction tool a model validation tool and a model execution tool. In embodiments, a data management system includes a data management server that can be accessed via a web browser that stores data. An extraction tool includes a data filter adapted to filter data based on, for example, a population criteria, a sample size, and a date range criteria. A model validation tool validates the model. A model execution tool allows a user to score the model.

Abstract: The present disclosure includes a system, method, and article of manufacture for targeting ad impressions. A list of customer records may be transmitted to a service provider system that identifies a matched customer and installs a cookie on a web client associated with the matched customer. The system may further receive a campaign request from a merchant and transmit the campaign request to the service provider system which may add a flag to the cookie based on the campaign request as well as instruct a media buyer system to bid on an ad impression for the matched customer based on the flag. The system may further receive an expenditure associated with the matched customer who received the ad impression and compare the expenditure to an expenditure associated with a customer who did not receive targeted ad impression but fits parameters associated with the campaign request.

Abstract: The present disclosure includes a system, method, and computer program product for serving real time email content to a client computer. The system may associate a consumer with a targeted market segment of consumers based upon a browsing history of the consumer and/or a purchasing history of the consumer. The system may further serve an email to the consumer based upon the association between the consumer and the targeted market segment of consumers—i.e., the system may serve an email to a consumer in the targeted market segment of consumers. The system may, in addition, serve the real time email content to the consumer in response to the consumer opening the email.

Abstract: A system that enables development and execution of predictive models comprises a centralized data management system, a data extraction tool a model validation tool and a model execution tool. In embodiments, a data management system includes a data management server that can be accessed via a web browser that stores data. An extraction tool includes a data filter adapted to filter data based on, for example, a population criteria, a sample size, and a date range criteria. A model validation tool validates the model. A model execution tool allows a user to score the model.

Abstract: Methods, systems and computer readable medium are provided for providing targeted marketing services. Historical transaction data is analyzed by a computer based system to provide an aggregate data profile of transaction account holders which participated in transactions with a first entity. A targeted marketing campaign is selected by the computer based system from a selection of available targeted marketing campaigns to propose to the first entity based on the aggregate data profile of transaction account holders. The selected targeted marketing campaign is then proposed by the computer based system to the first entity.

Abstract: The initial systems analysis of a new data source fully defines each data element and also designs, tests and encodes complete data integration instructions for each data element. A metadata cache stores the data element definition and data element integration instructions. The metadata cache enables a comprehensive view of data elements in an enterprise data architecture. When data is requested that includes data elements defined in a metadata cache, the metadata cache and associated software modules automatically generate database elements to fully integrate the requested data elements into existing databases.

Abstract: The system provides location based coupon-less offers based upon a location of a card member (CM). A location of a CM may be determined based upon one or more of a travel itinerary, a GPS signal, a proximity of a mobile communication device to a cellular base station, and/or a zip code. An offer from a merchant registered to provide coupon-less offers may be transmitted to a mobile communication device based upon the location. An offer, once accepted by a CM, may be matched to a record of charge associated with a transaction account held by the CM. A credit may be applied to the CM's transaction account and a debit may be applied to a transaction account of the registered merchant. One or more offer categories and/or one or more offer category classes may be transmitted to the mobile communication device based upon the CM's location.