Abstract: A voice biometric analysis system for authenticating a customer as am authorized payment card user to a merchant over a communications network includes a passive voice biometric analysis device configured to: store a plurality of respective voice samples of enrolled authorized payment card users; sample a verbal conversation between the customer and the recipient over the communications network; analyze the customer's voice characteristics from the monitored verbal conversation; compare, during the conversation, the analyzed customer's voice characteristics in the monitored verbal conversation to characteristics of at least one of the stored voice sample to authenticate the customer as one of the enrolled authorized payment card users; and advise the merchant whether the customer has been authenticated as an enrolled authorized payment card user.

Abstract: A voice biometric analysis system for authenticating a customer as am authorized payment card user to a merchant over a communications network includes a passive voice biometric analysis device configured to: store a plurality of respective voice samples of enrolled authorized payment card users; sample a verbal conversation between the customer and the recipient over the communications network; analyze the customer's voice characteristics from the monitored verbal conversation; compare, during the conversation, the analyzed customer's voice characteristics in the monitored verbal conversation to characteristics of at least one of the stored voice sample to authenticate the customer as one of the enrolled authorized payment card users; and advise the merchant whether the customer has been authenticated as an enrolled authorized payment card user.

Abstract: Systems and methods are provided for use in complying with purchase eligibility criteria defined by an authority. One exemplary method generally includes obtaining, by a computing device, a product identifier where the product identifier is indicative of at least the product and/or a product category associated with the product, and transmitting, by the computing device, at least the product identifier to the authority. The method also generally includes receiving, by the computing device, a purchase eligibility criteria associated with the product identifier and displaying, at the computing device, a valid indicator, when the product satisfies the purchase eligibility criteria, thereby permitting the consumer to purchase the product with confidence that said purchase complies with the eligibility criteria defined by the authority.

Abstract: Systems and methods are provided for facilitating purchase of products using rewards for a payment account associated with a consumer. In one example, a method generally includes receiving a product indicia associated with a target product offered for sale by a merchant, as scanned by a portable communication device, and sending, in response to the indicia, data corresponding to an identified product associated with the product indicia, from a reward library. The corresponding data further includes a reward cost associated with the identified product and a reward balance for a payment account associated with the consumer. The method further includes receiving, from the portable communication device, a request for a purchase of the identified product using rewards for the payment account, and communicating a transaction request for the product to the merchant, when the product is offered for sale by the merchant, and/or to an issuer of the payment account.