In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifiers, a profile generator to generate a profile of a user based on the transaction data, and a portal coupled to the transaction handler to receive a query identifying a second user identifier used by the first tracker to track online activities of a user. The system is to identify a second account identifier of the user from the second user identifier based on the mapping data between the first user identifiers and the first account identifiers to facilitate targeted advertising using the profile of the user and/or to provide information about certain transactions of the user related to a previously presented advertisement.

Systems and methods to match identifiers

Systems and methods are provided to generate tools to evaluate the probability of an account being actually used by a business rather than an individual. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include business accounts and non-business accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a classification model to distinguish, using the values and logistic regression, the business accounts from the non-business accounts.

Systems and methods to identify payment accounts having business spending activities

A system, method and non-transitory computer-readable storage medium are disclosed for advertising. A system configured to practice the method receives user situation information. Based on the situation information, the system transmits an advertisement to the user's mobile device, wherein the advertisement is associated with an identification card and a coupon and transmitted independent of any user solicitation for a communication and independent of a request for a product or a service. The system receives input from the user via the advertisement for purposes other than redeeming the coupon; and, and receives an indication of a purchase associated with the advertisement and completed at a point of sale device using the identification card, wherein the mobile device differs from the point of sale device and wherein the purchase is at full price and a rebate associated with the coupon and the identification card is provided to the user.

System and method for offering and fulfilling situation-based, location specific rewards and offers to mobile-oriented consumers

In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler, a profile generator to generate a profile of a user based on the transaction data, an advertisement selector to identify an advertisement based on the profile of the user in response to the transaction handler processing a transaction of the user, and a portal coupled to the transaction handler to provide the advertisement for presentation to the user in connection with information about the transaction of the user. In one example, the profile includes a plurality of values representing aggregated spending of the user in various areas to summarize the transactions of the user.

Systems and methods to deliver targeted advertisements to audience

A system and method configured to provide enhanced services based on check-in information obtained in a social network system and transaction location information observed in a payment processing system. In one aspect, the transaction location may be used to validate, verify or authenticate the check-in location declared in the social network system. In another aspect, the transaction location can be used as a basis to automate a check-in in the social network system in accordance with a preference of a user. In a further aspect, the transaction location and the check-in location can be correlated to detect inaccurate data, correct the inaccurate data, and/or augment the data in a data warehouse about the locations of transaction terminals.

Systems and methods to combine transaction terminal location data and social networking check-in

In one aspect, a system includes a transaction handler, a data warehouse to store transaction data recording transactions processed at the transaction handler and to store account data identifying an account of the user, and a portal to receive a user selection of a first portion of an advertisement and, in response, to present a user interface. The advertisement provides an offer and includes a second portion which when selected directs the user to a website of an advertiser. The data warehouse is to store data associating the offer with the account data of the user in response to a request made in the user interface. The system is to monitor transactions processed at the transaction handler to identify a purchase paid via the account and eligible for the redemption of the offer. The transaction handler is to provide statement credits to the user, if the payment transaction is identified.

Kirsten E. Garen

Papers

Systems and methods for multi-channel offer redemption