Abstract: A method for identifying influencers in nomadic subcultures includes: storing a plurality of transaction data entries, each including data related to a payment transaction including a plurality of merchant data values, a consumer identifier, and a plurality of transaction data values; storing a plurality of consumer profiles, each including data related to a consumer including a consumer identifier and consumer data; identifying merchant data values and transaction data values associated with a nomadic subculture; identifying a subset of transaction data entries where the merchant data values and transaction data values includes at least one of the merchant data values and transaction data values associated with the nomadic subculture; identifying one or more consumer identifiers included in at least two transaction data entries in the subset; and identifying a consumer profile including a consumer identifier of the identified one or more consumer identifiers.

Abstract: A system for correlating customer payment card purchases and contemporaneous weather conditions. The system comprises a first data storage device containing payment card transaction data and a second data storage device comprising historic weather data. A processor is provided and configured to identify correlations between payment card transactions and weather conditions contemporaneous to the transactions or otherwise associated therewith.

Abstract: A system for analyzing data comprising: an input module for receiving a transaction record corresponding to a product purchase; a database for storing the transaction received by the input module; a computerized predictive model for determining an indicator for the transaction record based on at least one of a customer identifier, a class of merchant, an amount of the transaction, and a terminal identifier, wherein the indicator is indicative of a likelihood of a correct product determination; and one or more processors for: executing the predictive models; and processing the transaction record based upon the indicator determined by the computerized predictive model.

Abstract: A system for determining market information of unregulated utility services comprises: a data storage device containing payment card transaction data of customers including customer information and information identifying a category of unregulated utility services; a filter configured to identify those transactions associated with the category of unregulated utility services from the payment card transaction data within a predetermined geographic region; a data storage device containing market or industry data related to the category of unregulated utility services; a processor; a memory storing program instructions, the processor being operative with the program instructions to: analyze the identified payment card transactions and the market or industry data related to the category of unregulated utility services; determine a score indicator representative of a given customer's probability of switching utility providers; compare the score indicator with a threshold value; and identifying those customers whos

Abstract: A system for determining service intervals of a serviceable property based on payment card transaction data. A data storage device contains payment card transaction data of a plurality customers and merchants. A processor is configured to identify purchasers of a serviceable property based on processing payment card transaction data including statistical analysis of the payment card transaction data to identify relationships between different payment card transactions representing a correlation of a given property of a purchaser with a particular service linked to the property. Characteristic traits and service frequencies are determined for purchasers of the serviceable property. A particular serviceable property is selected from the payment card transaction data, and the determined profile data is applied, along with selected data characteristics of a given service, to obtain data representative of an updated service interval for a given service associated with the serviceable property.

Abstract: A system for identifying a holder of re-sellable commodities is provided. The system includes one or more data storage devices containing payment card transaction data of a plurality of customers and a filter configured to identify payment card transactions associated with a predetermined re-sellable commodity from the payment card transaction data. The system further comprises one or more additional data storage devices containing at least one of market or industry data related to the predetermined re-sellable commodity. A processor is provided and configured to analyze the card payment transaction data and the market or industry data related to the predetermined re-sellable commodity for identifying a customer likely to be in possession of the predetermined re-sellable commodity.

Abstract: A method and a system are provided for identifying associated geolocations. The method involves retrieving from one or more databases a first set of information including payment card transaction information, and retrieving from one or more databases a second set of information including external information. The method further includes analyzing the first set of information and the second set of information to construct (i) one or more definitions of geography, (ii) one or more definitions of time, and (iii) one or more payment card holder lists by geography and by time period to identify payment card holder overlap, and creating one or more groupings of geographies and time periods based on the payment card holder overlap. The method and system provide advantages in fraud prevention, and can also be used by merchants or businesses to better target customers or enhance existing customer relationships.

Abstract: A method and a system are provided for determining political affiliations and/or attitudes of payment card holders. The method involves retrieving from one or more databases a first set of information including payment card transaction information, and retrieving from one or more databases a second set of information comprising external information. The external information includes merchant political affiliation and/or attitude information and payment card holder political affiliation and/or attitude information. The method further includes analyzing the first set of information and the second set of information to identify one or more associations between the payment card transaction information and the external information, and determining political affiliation and/or attitude of one or more payment card holders based on the one or more associations. The method and system can be used by merchants or businesses to better target customers or enhance existing customer relationships.

Abstract: A system and a method for predicting the location of a person using prior point of sale transaction data are disclosed. Historical purchase data is used to develop logic for predicting a present or future location at any given time of the cardholder. The logic can be tested against transaction data to qualify its accuracy. Statistical techniques are used to develop the logic with a sample of payment cardholders during an analytical phase. The logic can be applied to a broader universe of cardholders to ascertain a higher level of confidence that can be assigned to the prediction.

Abstract: A system and a method for predicting the transient population of a geographic location or region using point of sale transaction data are disclosed. Historical purchase data is used to develop logic for predicting a transient population at any given time, or predicting or determining the present transient population. The logic can be tested against transaction data to qualify its accuracy. Statistical techniques are used to develop the logic with a sample of payment cardholders during an analytical phase. The logic can be applied to a broader universe of cardholders to ascertain a higher level of confidence that can be assigned to the prediction.

Abstract: A system includes multiple master devices and at least one memory refresh scheduler. When a master device needs higher priority for memory access, the master device sends a dynamic priority signal to the memory refresh scheduler and in response, the memory refresh scheduler changes its policy for issuing refresh commands.

Abstract: A method for maintaining consumer privacy in behavioral scoring includes a first computing system and a second computing system. The first computing system disguises consumer characteristics and maps disguised consumer characteristics to unencrypted account identifiers, and then transmits the data to the second computing system. The second computing system encrypts the account identifiers upon receipt, and maps the encrypted account identifiers to anonymous transaction data. The second computing system uses the transaction data to calculate consumer behavioral scores, and then generates a scoring algorithm that uses disguised consumer characteristics to calculate consumer behavior scores based on the calculated consumer behavioral scores and corresponding disguised consumer characteristics.

Abstract: A method for predicting the occurrence of a future political event includes: storing a plurality of event data entries, each entry including data related to a past political event including at least an event category associated with the related political event and one or more past transaction behaviors; storing a plurality of transaction data entries, each entry including data related to a payment transaction conducted in a predetermined geographic area including at least transaction data; identifying one or more current transaction behaviors based on the transaction data included in each transaction data entry; identifying a specific event data entry based on a correspondence between the identified one or more current transaction behaviors and the one or more past transaction behaviors included in the specific event data entry; and predicting an event associated with the event category included in the specific event data entry in the predetermined geographic area.

Abstract: A method for performing analytics processing in order to determine economic impact of an event on a particular market includes: receiving event information from an event storage unit, the event information including event data associated with an event and a venue in which the associated event occurred; receiving payment transaction information from a transaction storage unit, the payment transaction information including transaction data associated with each of a plurality of payment transactions; identifying a particular event and a particular venue associated with event data included in the received event information; identifying transaction data for payment transactions that occurred within a particular time frame of the particular event and within a specified area of a location of the selected event from the received payment transaction information; and determining an economic impact of the particular event on a particular market based on the identified transaction data.

Abstract: A system, method, and computer-readable storage medium configured to enable investment-related risk behavior modeling of individuals based on their payment card purchases.

Abstract: A system, method, and computer-readable storage medium configured to enable insurance-related risk behavior modeling of individuals based on their payment card purchases.

Abstract: A method for calculating consumer metrics includes: storing a plurality of transaction data entries, each entry including a transaction time and transaction geographic location associated with a transaction involving a consumer; receiving a plurality of location data entries, each entry including a consumer geographic location and a location time at which the consumer was at the location; identifying a first subset of location data entries, each entry in the first subset corresponding to a transaction data entry where the times and geographic locations correspond; identifying a second subset of location data entries, wherein the second subset includes each location data entry not in the first subset; calculating a consumer metric based on the location data entries and transaction data entries in the first subset and the location data entries in the second subset; and associating the calculated consumer metric with a consumer profile associated with the consumer.

Abstract: Transaction data from a set of transactions is examined to identify a portion of spending in the set of transactions which is eligible for coverage by a special spending account. The set of transactions was not made with the special spending account. A funding recommendation for the special spending account is provided, based on the identified portion of the spending in the set of transactions which is eligible for the coverage by the special spending account.

Abstract: A system and a computer-implemented method for determining market saturation of industries in selectable geographic regions are provided. The method is implemented using a market saturation computer subsystem in communication with a payment processor, the market saturation computer subsystem coupled to a memory device and the including receiving financial transaction data associated with financial transactions performed in a selectable geographic area, receiving a selection of a subarea of the selectable geographic area, and receiving a selection of one or more comparison subareas.

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.