American Express Travel Related Services Company, Inc.

Xatra Fund Mx, LLC

Iii Holdings 1, LLC

Other

Chartoleaux Kg Limited Liability Company

David S Bonalle

Peter D Saunders

Lisa E Skilling-Belmond

William Jody Gray

Blayn W Beenau

Carl Larkin

Leigh Reynolds Malnati

Joshua L Montgomery

Lisa A Webb

Danielle R Nulle

Seth W Fields

Gail A Francolini

Glen Salow

Zarita Norcross

Sue Mueller

Steven A Rank

Lee A Allard

John R Williamson

Jennifer Anne Elwood

Ellen Lasch

Susan E Isenberg

Michal Bliman

Samantha S Ing

Danielle L Kunian

Peter Kirwan Bates

Rajendra R Rane

Kevin Robert Young

Michael J Berardi

Patrick R Lowery

Tracey R Thomas

Kathryn D Scheding

Sejal Ajit Shah

Alexandra Mayers

Matthew C Hood

Mehmet E Dedeoglu

Medina J Senghore

Tamara F Odinec

Brian Charles Bender

Sherrie G Jackson

Scott Glen Paylor

Michael D Donovan

Judy Vigiletti

Douglas N Laube

Stephen R Myers

Pam Kornfeld

Steve Rank

Ronald Guillard

Jeff Kohnle

Vc Kumar

Chris Allen

I-Hsin Chuang

Emily A Chong

Lauren E Dardick

Jennifer A Elwood

David J Wong

Brian T Barnes

Trevor J Perry

Kristin L VonWald

Becky Vander Eyk

Ray Sharp

Jeff S Fehlhaber

Michael S Lemberger

Fred Alan Bishop

Lee J Peart

Aliza Freud

Michael Bliman

Mike Donovan

Jason E Nanton

Mary Ann Fitzmaurice Reilly

Jeff Fehlhaber

Jason Nanton

A method is provided comprising aggregating, at a first node, transactional data and a transaction identification code associated with a consumer and a transaction, and historical transactional data associated with the consumer to form a transactional profile. The method further comprises calculating, at the first node, a characteristic of the consumer based upon the transactional profile, and determining, at the first node, a business strategy for dealing with the consumer based upon the characteristic.

Systems and methods for analytics in a cooperative data exchange

The present disclosure includes a system, method, and article of manufacture for measuring the effectiveness of an advertisement. In various embodiments, the system may compare exposed data indicating that a first customer was exposed to a targeted advertisement to a first spending activity associated with the first customer. The system may further compare unexposed data indicating that a second customer was exposed to a neutral advertisement to a second spending activity associated with the second customer. Further still, the system may, in various embodiments, generate a spend report based on the comparing the exposed data to the first spending activity and the comparing the unexposed data to the second spending activity.

Targeted and neutral advertising

The present disclosure includes a system, method, and article of manufacture for spend based targeting. In various embodiments, the system may transmit, to a third party system, a spend data file associating a first party cookie ID with spend data, as well as a first party cookie ID and/or a third party cookie ID to a web client. The web client may transmit the first party cookie ID and/or the third party cookie ID to the third party system, and the third party system may generate a look alike model for targeting advertisements to the web client based on the spend data file and clickstream data associated with the web client. In various embodiments, the third party system may match the third party cookie ID with the first party cookie ID in the spend data file, which may associate a customer with a segment.

Systems and methods for digital spend based targeting and measurement

Various systems and methods for measuring ad impression effectiveness are provided. A method is provided comprising selecting, by an ad impression processor, a target consumer for an ad impression, delivering the ad impression to the target consumer, determining, by the processor, a behavior of the target consumer after a time period elapses, wherein the determining comprises analyzing internal data relating to the target consumer.

Systems and methods for determining ad impression utility

A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.

System and method of a smartcard transaction with biometric scan recognition

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a personalization system for populating onto the fob and RFID reader identifying information and security and authentication keys which may be used during mutual authentication of the fob and the reader and for completing a transaction. In exemplary operation, the fob and RFID reader may be personalized, the fob may be presented to the RFID reader for interrogation, the fob and reader may engage in mutual authentication, and fob identifying information may be provided to the reader for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob may be responsive to multiple interrogation signals.

Securing a transaction between a transponder and a reader

A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account.

System, method, and computer program product for issuing and using debit cards

Various systems and methods for financial analysis are provided. A system is provided comprising a first node comprising a public facing data store in communication with a private facing data store, wherein the first node further comprises a cooperative lookup module configured to locate a second node, a secure data connection between the first node and the second node, and wherein the first node is configured to request processed internal data from the second node.

Systems and methods for cooperative data exchange

A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information.

Wireless transaction medium having combined magnetic stripe and radio frequency communications

A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. In exemplary operation, the fob identifying information may be presented to the RFID reader for completion of a transaction request. The transaction request may be provided to a fob issuer system which retrieves a value for satisfying the transaction request from a fob associated transaction data file. The issuer system may deplete the transaction data file in accordance with the transaction request and replenish the data file in accordance with fob user or fob issuer defined reload protocol.

Reload protocol at a transaction processing entity

The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.

Hand geometry biometrics on a payment device

Growing community of inventors

New Rochelle, NY, United States of America

David S Bonalle