American Express Travel Related Services Company, Inc.

Lead Core Fund, L.l.c.

Iii Holdings 1, LLC

Robert E Morgan

Hitesh K Seth

Fred Alan Bishop

G Mack Lowe

Larry V Ross

Shreyas J Kamat

James D Bean

The present disclosure includes a system, method, and article of manufacture for aggregating a consumer profile, identifying tailored content (e.g., in response to a trigger event and/or based upon a consumer profile), and/or tailoring a digital destination. For example, the systems may receive direct data indicating an interest in receiving specific content, aggregate that data into a consumer profile, compare the consumer profile to content, and/or identify tailored content based upon the comparison. Further, the systems may communicate the tailored content to a web client associated with a consumer, receive a transaction request from a web client, and/or receive bids associated with tailored content. In addition, these systems may prioritize tailored content comprising a plurality of tailored offers and/or forecast a budget for an upcoming experience.

Systems and methods for delivering tailored content based upon a consumer profile

Systems, methods and computer program products for processing payments for a proxy card are provided. Embodiments of the system include a processor, and a memory in communication with the processor. The memory may be configured to store processing instructions for directing the processor to receive a request for authorization of a payment. In various embodiments, the request is triggered at a merchant server, by the use of a proxy card of the customer. The processor attempts to identify at least one desired payment mode for making the payment, from among payment mode(s) associated with the proxy card. The processor first selects the payment modes based at least in part on one or more selection criteria, such as predefined customer goals, and then the processor performs an authorization check to identify the desired payment modes. Subsequently, the processor authorizes the payment if at least one desired payment mode is identified.

Systems, methods, and computer products for processing payments using a proxy card

Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway. A smartcard may function as a payment directory and/or a payment system.

Systems and methods for transaction processing using a smartcard

A system for transmitting information between a seller and a supplier uses a web services application to interface between a seller application and the supplier's server. The web services application uses a proxy to transmit information from the web services application to the supplier's server in a secure and reliable manner. The information is transmitted via HTTP using SOAP messages that conform to WSDL. In such a manner, the web services application can transmit selected information to the supplier's server, without any need to re-key redundant information. The proxy provides various services, such as encryption/decryption, digital signing, non-repudiation services, reporting capabilities, and software updating capabilities.

Method and system for providing point of sale services

Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, and transmit a payment authorization request from a remote location to at least one payment system, either directly, or via a payment system directory and/or a SSL Gateway.

Systems and methods for point of interaction based policy routing of transactions

Systems and methods for transaction processing based upon an overdraft scenario

Systems and methods for maximizing a rewards accumulation strategy during transaction processing

Systems and methods for processing transactions using multiple budgets

Systems, methods and computer program products for assisting a user who is designing a project in selecting a technical architecture suitable for the project. A catalog of architectures and architecture components and various criteria to be met by project architectures, including such as technical standards, organization policies and guidelines, and legal or regulatory ones, are stored. The catalog may be web-based. Questions are posed to the user about the nature of the project, and a rules engine guides the user through relevant portions of the catalog based on the user's answers to the questions, and a set of one or more architectures that would be suitable for the project is proposed to the user. Once the user selects an architecture, the rules engine leads the user through a review of the stored criteria applicable to the project, to identify any that are not met by the selected architecture.

System and method for selecting a suitable technical architecture to implement a proposed solution

A system and method for publishing a web service to a web service registry retrieving a web service description. A schema associated with the web service description is acquired, and publication metadata relating to the web service is extracted from the schema. A web service registry publication request is generated based on the publication metadata extracted from the schema. The web service registry publication request is submitted to the web service registry for publication.

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Glendale, AZ, United States of America

Robert E Morgan