Mastercard International Incorporated

American Express Travel Related Services Company, Inc.

Luckner Polycarpe

Kent Olof Niklas Berntsson

Edward M Lee

Joya A Mukherjee

Caroline M Azimi-Pour

Karen L Wong

Keye G Jin

Fred Jubitz

Leena H Parikh

Luigi E Merli

Jean-Paul D Ndong

Priyo B Chatterjee

Subhash C Khatri

Serge Bernard

Steven Bruce Oshry

A computer-implemented system is configured to, responsive to failure of anonymity threshold criteria of a payment card transaction based dataset including a geographical region definition including solely a first geographical region, query a geographical information service for data indicative of geographical regions neighboring a first geographical region; iteratively query the payment card transaction based dataset using queries modifying the geographical region definition to include the first geographical region and one or more neighboring geographical regions; test returned results against the anonymity threshold criteria; and responsive to a positive test result, generating an approval indication for a data set.

Geographic region modification tool for database query enhancement

A method for identifying ambient media (audio and visual content) selections based on transaction history includes: storing transaction data entries, each including data related to a payment transaction including a merchant identifier associated with a merchant involved in the transaction, a primary account number associated with a transaction account used in the transaction, and transaction data; receiving a request, the request including a specific merchant identifier; identifying a subset of transaction data entries that include a merchant identifier corresponding to the specific merchant identifier; identifying sets of demographic characteristics based on the primary account number and/or the transaction data included in transaction data entries in the subset; identifying an ambient media selection corresponding to the sets of the demographic characteristics; and transmitting the identified ambient media selection corresponding to each of the sets of demographic characteristics.

Method and system for ambient media selection based on transaction history and demographics

Payment card account transaction data sets and mobile device travel profiles are compared with each other to detect matches in terms of times and locations of use and/or presence. Such an analysis may link two or more payment card accounts to the same mobile device. Consequently, common ownership of the two or more payment card accounts may be reasonably inferred. Based on the inference of common ownership, marketing related analysis may be performed on a combined transaction data set that reflects transactions in both commonly owned payment card accounts.

Inferred matching of payment card accounts by matching to common mobile device via time and location data analysis

A method for identifying business service recommendations includes: storing merchant profiles, each profile including data related to a merchant including a merchant identifier and transaction for a plurality of payment transactions; receiving, a data file including a plurality of merchant entries, each entry including data related to a merchant including a merchant identifier and firmographics; identifying a specific merchant entry where the merchant identifier corresponds to a merchant identifier in a specific merchant profile; calculating transaction scores for the specific merchant entry based on the transaction data in the specific merchant profile; identifying a related merchant entry where the firmographics correspond to the firmographics in the specific merchant entry and where the merchant identifier is not included in a merchant profile; and identifying one or more business service recommendations for the merchant related to the related merchant entry based on transaction scores and firmographics in the related merchant entry.

Method and system for targeting small businesses

A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card, including an overlimit spend feature and an associated communicated line of credit. The transaction card may carry a balance like a credit card and may require that a card user pay down the balance carried forward to the line of credit subsequent to the end of each billing cycle. When the user has reached or exceeded the communicated line of credit, each subsequent transaction request for a new transaction by the user is evaluated on a case-by-case basis by a process that includes execution an overlimit spend authorization logic or process.

Method and apparatus for a no pre-set spending limit transaction card

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Brooklyn, NY, United States of America

Luckner Polycarpe