Abstract: Disclosed herein are systems and methods allowing provider server and an analytics server to communicate confidential information but not compromise the anonymity of the customers if the data transmitted in either direction were to be intercepted or otherwise viewed by an unauthorized party, each server is configured to transmit the data records of the customers without any personally identifying information (PII) associated with the customers. The databases may “link” the data records by separately generating customer key identifiers for each unique customer having data in the one or both of the databases, according to predefined parameters and a predetermined one-way hashing algorithm. The unique customer key identifier may then be concatenated to, appended to, or otherwise associated with each data record for a particular customer that is being communicated between the servers.

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: Disclosed herein are systems and methods allowing provider server and an analytics server to communicate confidential information but not compromise the anonymity of the customers if the data transmitted in either direction were to be intercepted or otherwise viewed by an unauthorized party, each server is configured to transmit the data records of the customers without any personally identifying information (PII) associated with the customers. The databases may “link” the data records by separately generating customer key identifiers for each unique customer having data in the one or both of the databases, according to predefined parameters and a predetermined one-way hashing algorithm. The unique customer key identifier may then be concatenated to, appended to, or otherwise associated with each data record for a particular customer that is being communicated between the servers.

Abstract: Methods, systems, and computer readable media for suppressing cookie based advertisement retargeting are disclosed. One method includes receiving a digital identifier and a merchant identifier associated with a purchase transaction. The method further includes determining, using the digital identifier and the merchant identifier, whether a cookie exists for advertisement retargeting related to the digital identifier and the merchant identifier. The method also includes in response to determining that the cookie exists for advertisement retargeting related to the digital identifier and the merchant identifier, sending suppression information for suppressing advertisement retargeting associated with the cookie.

Abstract: Disclosed herein are systems and methods allowing provider server and an analytics server to communicate confidential information but not compromise the anonymity of the customers if the data transmitted in either direction were to be intercepted or otherwise viewed by an unauthorized party, each server is configured to transmit the data records of the customers without any personally identifying information (PII) associated with the customers. The databases may “link” the data records by separately generating customer key identifiers for each unique customer having data in the one or both of the databases, according to predefined parameters and a predetermined one-way hashing algorithm. The unique customer key identifier may then be concatenated to, appended to, or otherwise associated with each data record for a particular customer that is being communicated between the servers.

Abstract: A system and method for optimizing at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion. Acceptances of the promotion are received following each user's selection of the promotion. Information representing users is received from publisher computing devices. Thereafter, respective match keys are generated that are usable to access information representing transaction accounts of each of the users. The match keys are transmitted computing device(s) having access to information representing transaction accounts. Information representing a selected one account is received. For users who redeemed the promotion, the promotion is associated with the selected one transaction account.

Abstract: A method for creating a control group for campaign measurements includes: storing a plurality of consumer profiles, each profile including data related to a consumer including an account identifier, spend behavior, and microsegment associated with the consumer; receiving a plurality of measurement profiles, each profile including data related to a consumer including a specific account identifier and indication of participation or non-participation in a campaign; associating each consumer profile with a measurement profile where the included account identifier corresponds to the specific account identifier of the measurement profile; identifying a campaign group, the campaign group including consumer profiles, each profile including a common microsegment and spend behavior and associated with a measurement profile indicating participation in the campaign; and identifying a control group, the control group including consumer profiles, each profile including the common microsegment and spend behavior and associa

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: According to some embodiments, transaction information associated with payments made via a payment account may be retrieved from a transaction database. The retrieved transaction information may then be analyzed to automatically determine periodic payment information (e.g., associated with a subscription or membership) associated with the payment account. The automatically determined periodic payment information may then be output. For example, a predicted next periodic payment due date might be calculated and output.

Abstract: A method of identifying retirement communities, comprising: executing a query on the transaction database and the geo-demo database to identify a plurality of community clusters; electronically storing, a plurality of retirement community data, wherein each retirement community data includes a plurality of data elements including at least a first data element configured to store the plurality of community clusters; receiving, a data signal superimposed with profile information associated with a consumer, wherein the profile information includes a plurality of retirement community attributes identified by the consumer; and identifying one or more retirement communities based on attributes identified by the consumer, by querying the community clusters stored in the retirement community database for retirement community attributes identified by the consumer.

Abstract: Described herein is a system and method for classifying detected anomalies. Detected anomaly data comprising a plurality of anomaly data points is received. The detected anomaly data is labeled with a plurality of attributes using label logic for each of the plurality of attributes. The detected anomaly data is classified into one of a plurality of classifications based upon the attributes using a rule-based classification algorithm. The rule-based algorithm further determines a result for at least some of the anomaly data points. The classified detected anomaly data and the corresponding determined results are provided, for example, to a user.

Abstract: A method for automated payment of tax for payment transactions includes: receiving transaction messages related to payment transactions involving a merchant including a transaction amount and a merchant identifier; identifying a tax authority having jurisdiction over each payment transaction; identifying a tax amount for each of the plurality of transaction messages based on the transaction amount stored in the respective transaction message; identifying a tax identification number for the merchant based on the transaction messages; and initiating settlement of a settlement amount to a transaction account associated with the merchant, wherein the settlement amount is based on a combination of the transaction amounts included in each of the plurality of transaction messages less a combination of the identified tax amounts for the at least one tax authorities for each of the plurality of transaction messages.

Abstract: A method and a system are provided for identifying optimal rewards programs. The method involves retrieving from one or more databases a first set of information comprising payment card holder transaction information including at least purchasing activities and optionally payment activities attributable to the payment card holder, and retrieving from one or more databases a second set of information comprising a plurality of rewards programs. One or more predictive behavioral spend profiles are generated based on the first set of information. The one or more predictive behavioral spend profiles and the second set of information are then analyzed to identify one or more correlations between the one or more predictive behavioral spend profiles and the plurality of rewards programs. Targeted information, based on the one or more correlations, is provided to one or more entities (e.g., payment card holder or merchant).

Abstract: Disclosed herein are systems and methods allowing provider server and an analytics server to communicate confidential information but not compromise the anonymity of the customers if the data transmitted in either direction were to be intercepted or otherwise viewed by an unauthorized party, each server is configured to transmit the data records of the customers without any personally identifying information (PII) associated with the customers. The databases may “link” the data records by separately generating customer key identifiers for each unique customer having data in the one or both of the databases, according to predefined parameters and a predetermined one-way hashing algorithm. The unique customer key identifier may then be concatenated to, appended to, or otherwise associated with each data record for a particular customer that is being communicated between the servers.

Abstract: Methods, systems, and computer readable media for suppressing cookie based advertisement retargeting are disclosed. One method includes receiving a digital identifier and a merchant identifier associated with a purchase transaction. The method further includes determining, using the digital identifier and the merchant identifier, whether a cookie exists for advertisement retargeting related to the digital identifier and the merchant identifier. The method also includes in response to determining that the cookie exists for advertisement retargeting related to the digital identifier and the merchant identifier, sending suppression information for suppressing advertisement retargeting associated with the cookie.

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 creating a control group for campaign measurements includes: storing a plurality of consumer profiles, each profile including data related to a consumer including an account identifier, spend behavior, and microsegment associated with the consumer; receiving a plurality of measurement profiles, each profile including data related to a consumer including a specific account identifier and indication of participation or non-participation in a campaign; associating each consumer profile with a measurement profile where the included account identifier corresponds to the specific account identifier of the measurement profile; identifying a campaign group, the campaign group including consumer profiles, each profile including a common microsegment and spend behavior and associated with a measurement profile indicating participation in the campaign; and identifying a control group, the control group including consumer profiles, each profile including the common microsegment and spend behavior and associa

Abstract: A method of identifying retirement communities, comprising: executing a query on the transaction database and the geo-demo database to identify a plurality of community clusters; electronically storing, a plurality of retirement community data, wherein each retirement community data includes a plurality of data elements including at least a first data element configured to store the plurality of community clusters; receiving, a data signal superimposed with profile information associated with a consumer, wherein the profile information includes a plurality of retirement community attributes identified by the consumer; and identifying one or more retirement communities based on attributes identified by the consumer, by querying the community clusters stored in the retirement community database for retirement community attributes identified by the consumer.

Abstract: A system and method for optimizing at least one of a promotion, a targeting of the promotion, and a campaign associated with the promotion. Acceptances of the promotion are received following each user's selection of the promotion. Information representing users is received from publisher computing devices. Thereafter, respective match keys are generated that are usable to access information representing transaction accounts of each of the users. The match keys are transmitted computing device(s) having access to information representing transaction accounts. Information representing a selected one account is received. For users who redeemed the promotion, the promotion is associated with the selected one transaction account.

Abstract: A method for creating a control group for campaign measurements includes: storing a plurality of consumer profiles, each profile including data related to a consumer including an account identifier, spend behavior, and microsegment associated with the consumer; receiving a plurality of measurement profiles, each profile including data related to a consumer including a specific account identifier and indication of participation or non-participation in a campaign; associating each consumer profile with a measurement profile where the included account identifier corresponds to the specific account identifier of the measurement profile; identifying a campaign group, the campaign group including consumer profiles, each profile including a common microsegment and spend behavior and associated with a measurement profile indicating participation in the campaign; and identifying a control group, the control group including consumer profiles, each profile including the common microsegment and spend behavior and associa