Abstract: A system and method including a mobile application installed on a mobile device and configured to authenticate a merchant represented by a unique identifier, determine a position of the mobile device while the mobile device is co-located with a transaction terminal of the merchant, communicate the position to a portal to associate the position with the unique identifier and to receive an account number, and provide the account number to generate an authorization request on the transaction terminal. The authorization request includes a terminal identifier of the transaction terminal. When the authorization request generated using the account number is detected, the association between the account number provided to the mobile application and the location received from the mobile application is replaced with the association between the terminal identifier extracted from the authorization request and the location.

Abstract: A system and method including a mobile application installed on a mobile device and configured to authenticate a merchant represented by a unique identifier, determine a position of the mobile device while the mobile device is co-located with a transaction terminal of the merchant, communicate the position to a portal to associate the position with the unique identifier and to receive an account number, and provide the account number to generate an authorization request on the transaction terminal. The authorization request includes a terminal identifier of the transaction terminal. When the authorization request generated using the account number is detected, the association between the account number provided to the mobile application and the location received from the mobile application is replaced with the association between the terminal identifier extracted from the authorization request and the location.

Abstract: A system and method including a mobile application installed on a mobile device and configured to authenticate a merchant represented by a unique identifier, determine a position of the mobile device while the mobile device is co-located with a transaction terminal of the merchant, communicate the position to a portal to associate the position with the unique identifier and to receive an account number, and provide the account number to generate an authorization request on the transaction terminal. The authorization request includes a terminal identifier of the transaction terminal. When the authorization request generated using the account number is detected, the association between the account number provided to the mobile application and the location received from the mobile application is replaced with the association between the terminal identifier extracted from the authorization request and the location.

Abstract: A system and method to determine influence power of users based on transaction data and social networking data. An influence score represents the effectiveness of users in influencing the purchase decisions of others. For example, after comparing the transactions of a user and the transactions of the followers or friends of the users, as identified by the social networking data and/or a registration process, the transactions of the followers or friends influenced by the user can be identified and used to determine the influence score of the user. The influenced transactions may be identified based on correlating items purchased via the influenced transactions, and/or based on correlating merchants with whom the influenced transactions are performed. The influence score can be computed based on a size of the influenced transactions and be used to rank users for the targeting, customization, and/or prioritization of future offers.

Abstract: A system and method to link online and offline user data via transaction data. Online and/or offline user data can be tracked via various anonymous tracking methods that do not require the users to explicitly identify themselves. Through linking online payment transactions with online user data and linking offline payment transactions with offline user data, the system and method links the online user data and the offline user data that are linked respectively to online and offline payment transactions made in the same payment account. Combining the online user data and offline user data in connection with online and offline payment transactions provides comprehensive information about the user, which can be used to provide improved services to the user.

Abstract: A system and method including a mobile application installed on a mobile device and configured to authenticate a merchant represented by a unique identifier, determine a position of the mobile device while the mobile device is co-located with a transaction terminal of the merchant, communicate the position to a portal to associate the position with the unique identifier and to receive an account number, and provide the account number to generate an authorization request on the transaction terminal. The authorization request includes a terminal identifier of the transaction terminal. When the authorization request generated using the account number is detected, the association between the account number provided to the mobile application and the location received from the mobile application is replaced with the association between the terminal identifier extracted from the authorization request and the location.

Abstract: A system and method including a mobile application installed on a mobile device and configured to authenticate a merchant represented by a unique identifier, determine a position of the mobile device while the mobile device is co-located with a transaction terminal of the merchant, communicate the position to a portal to associate the position with the unique identifier and to receive an account number, and provide the account number to generate an authorization request on the transaction terminal. The authorization request includes a terminal identifier of the transaction terminal. When the authorization request generated using the account number is detected, the association between the account number provided to the mobile application and the location received from the mobile application is replaced with the association between the terminal identifier extracted from the authorization request and the location.