Abstract: A method for authorizing a transaction request for a payment card is disclosed, the method comprising the steps of receiving at a transaction processing platform, data indicating that a first authorization request for the payment card has been declined; referencing at the transaction processing platform, a circuit of payment cards where the circuit of payment cards comprises the payment card, at least one other payment card and association data indicative of the association between the payment card and the at least one other payment card; selecting at the transaction processing platform, a second payment card from the at least one other payment card based on the association data; identifying at the transaction processing platform, an issuer server associated with the second payment card; and sending from the transaction processing platform to the issuer server, a second authorization request for the second payment card.

Abstract: Disclosed is a method for managing a loyalty rewards program. The method comprises maintaining a plurality of loyalty reward accounts, each linked to a payment vehicle enrolled in the loyalty rewards program and each recording at least one loyalty index derived from purchases made using the payment vehicle, the at least one loyalty index being redeemable for any one or more of discounts, goods or services. The method also comprises accruing interest on the at least one loyalty index recorded for each of the plurality of loyalty reward accounts, administering accrued interest for each of the plurality of loyalty reward accounts in accordance with rules of the loyalty rewards program and increasing the loyalty index associated with one of the plurality of loyalty reward accounts by a factor determined in response to the accrued interest on that loyalty index.

Abstract: A data processing device for generating a transaction authorization request is disclosed. The data processing device includes an input module operable to receive a user input from a user, a camera module operable to capture an image of the user, a computer processor, and a data storage device, the data storage device having an input processing component, a camera control component, and a transaction request generation component including non-transitory instructions operative by the processor to receive a user input from a user indicating initiation of a transaction, control the camera module to capture an image of the user, and generate a transaction authorization request, the transaction authorization request including an indication of the transaction and the image of the user.

Abstract: A method for authorizing a transaction request for a payment card is disclosed, the method comprising the steps of receiving at a transaction processing platform, data indicating that a first authorization request for the payment card has been declined; referencing at the transaction processing platform, a circuit of payment cards where the circuit of payment cards comprises the payment card, at least one other payment card and association data indicative of the association between the payment card and the at least one other payment card; selecting at the transaction processing platform, a second payment card from the at least one other payment card based on the association data; identifying at the transaction processing platform, an issuer server associated with the second payment card; and sending from the transaction processing platform to the issuer server, a second authorization request for the second payment card.