Patent application number | Description | Published |
20130173320 | METHOD AND SYSTEM UTILIZING MERCHANT SALES ACTIVITY TO PROVIDE INDICATIVE MEASUREMENTS OF MERCHANT AND BUSINESS PERFORMANCE - A system for measurements of merchant performance using a payment card processing system, the system includes a managing computer system of a payment card service provider, the managing computer system having a memory device capable of storing data for generating measurements of merchant performance based on payment card transactions, and a computer processor. The computer processor is configured to: receive payment card transactions from at least one merchant; store the payment card transactions for the at least one merchant; generate at least one business performance indicator for the payment card transactions of the at least one merchant; compare the at least one business performance indicator for the at least one merchant to a comparable business performance indicator; and generate a measurement of merchant performance for the at least one merchant based on the comparison of the at least one business performance indicator to the comparable business performance indicator. | 07-04-2013 |
20140379470 | METHOD AND SYSTEM FOR LINKING MOBILE DATA AND TRANSACTION DATA FOR IMPROVED LOCATION BASED TARGETING - A method for assigning a spend profile to a mobile device based on location and transaction data includes: storing a spend profile including a plurality of transaction data entries, each entry related to a transaction involving a common consumer and including a location identifier, transaction data, and timing information; receiving a plurality of location data entries, each entry including a geographic location of a related mobile device and a time and/or date at which the location was identified; matching the mobile device to the spend profile based on a number of received location data entries that correspond to transaction data entries included in the spend profile based on the geographic location and time and/or date and the location identifier and timing information, and a predetermined tolerance level; and associating the mobile device with the spend profile. | 12-25-2014 |
20150066651 | Method and System for Secure Mobile Payment Processing and Data Analytics - A method for processing payment transactions includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a combined identifier and at least two payment account identifiers; receiving an authorization request for a payment transaction originating from a point of sale device, wherein the authorization request includes at least a combined identification; identifying a specific consumer profile where the included combined identifier corresponds to the combined identification; transmitting at least the at least two payment account identifiers included in the specific consumer profile to the point of sale device; receiving an indication of one of the at least two payment account identifiers from the point of salve device; updating the authorization request to include at least the indicated one of the at least two payment account identifiers; and transmitting the updated authorization request. | 03-05-2015 |
20150073906 | METHOD AND SYSTEM FOR OPTIMIZING LOCATION-BASED TARGETED ADS SERVED ON A MOBLE DEVICE - A method for distributing an optimized offer to a mobile communication device includes: storing a plurality of offer data entries, each offer data entry including offer data and an offer location; storing a consumer profile, the consumer profile including historical geographic location data of a mobile communication device associated with the related consumer; receiving a geographic location of the associated mobile communication device; identifying at least one inferred future geographic location for the associated mobile communication device based on the received geographic location and the historical geographic location data; identifying at least one offer data entry where the included offer location corresponds to one of the identified at least one inferred future geographic location; and transmitting the offer data included in the identified at least one offer data entry to the associated mobile communication device. | 03-12-2015 |
20150081546 | SYSTEMS AND METHODS FOR AUTHENTICATION OF AN ENTITY - A method and system for remote authentication of a first entity by a second entity is provided. The method involves the second entity conveying at least a registration web link to the e-mail address of a first entity; processing a transaction amount on a payment card of the first entity using the payment card number of the first entity; and processing at least two (2) payment card refund transaction amounts on a payment card acceptance account of the first entity. The method also involves receiving information on the registration web link from the first entity, the information including the amounts of the at least two (2) payment card refund transactions obtained by the first entity from an acquiring bank of the first entity; and verifying that the amounts of the at least two (2) payment card refund transactions processed by the second entity match with the amounts of the at least two (2) payment card refund transactions obtained by the first entity from the acquiring bank of the first entity. | 03-19-2015 |
20150100383 | METHOD AND SYSTEM TO MEASURE CUSTOMER TRAFFIC AT A MERCHANT LOCATION - A method for measuring consumer traffic at a merchant location includes: storing, in a database, a consumer profile, wherein the consumer profile includes data related to a consumer including at least a device identifier corresponding to a mobile communication device associated with the related consumer; receiving, by a receiving device, a plurality of location data entries, wherein each location data entry includes at least a time and/or date at which the associated mobile communication device is identified as being located at a specific geographic location associated with a merchant; calculating, by a processing device, at least one traffic metric for the consumer and the specific geographic location based on the time and/or date included in each of the received plurality of location data entries; and associating, in the database, the consumer profile with the received plurality of location data entries and the calculated at least one traffic metric. | 04-09-2015 |
20150106176 | METHOD AND SYSTEM TO ASSESS FINDER'S FEE FOR CUSTOMER TRAFFIC AT A MERCHANT LOCATION - A method for assessing a finder's fee for directing merchant traffic includes: transmitting, by a transmitting device, offer data related to an offer for the purchase of goods or services to a mobile communication device, wherein the related offer is associated with a merchant; receiving, by a receiving device, an indication that a user of the mobile communication device viewed the transmitted offer data; receiving, by the receiving device, an indication that the mobile communication device was located at a geographic location associated with the merchant within a predetermined period of time of the viewing of the transmitted offer data by the user of the mobile communication device; generating, by a processing device, an authorization request for a payment transaction for a finder's fee to be paid by the merchant; and transmitting, by the transmitting device, the authorization request. | 04-16-2015 |
20150120384 | SYSTEMS AND METHODS FOR CREDIT CARD DEMAND FORECASTING USING REGIONAL PURCHASE BEHAVIOR - A computer-implemented method and system for forecasting a demand for a credit-based payment card implemented using a demand forecasting computer device coupled to a memory device. The method includes retrieving financial transaction data for a plurality of payment card cardholders acquired by the demand forecasting computer device and stored in the memory device, determining variables in the financial transaction data that predict the demand for a credit-based payment card using an independent variables generation engine, integrating the retrieved financial transaction data, economic data received from sources external to the demand forecasting computer device, and data relating to new payment card cardholders based on the determined variables, generating a prediction of the demand for credit in a selectable geographic area using a cross-sectional model of the integrated data and the determined variables, and outputting the prediction. | 04-30-2015 |