><i>Many companies are mapping the so-called payments genome to make more accurate predictive marketing decisions and improve fraud detection. Some vendors say their systems can be used to determine the products and services consumers will buy next.</i><p>It's fascinating stuff, but I can't help feeling that they need to solve the problem of someone calling their bank, saying that they're going to $COUNTRY on $DAY, and please don't freeze the card; and then when a payment is attempted the card gets frozen.<p>Because that's really annoying.