Systems and methods to enhance search results using transaction data of merchants

• US 10,055,751 B2
• Filed: 02/25/2014
• Issued: 08/21/2018
• Est. Priority Date: 04/05/2013
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Winters, Michelle Eng, Bahety, Vipul, Akerman, Kevin
• Primary Examiner(s): Tinkler, Muriel S
• Application Number:
  US14/189,824
• Publication Number:
  US 20140304130A1
• Time in Patent Office: 1,638 Days
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0255 based on user history

Abstract

A computing apparatus includes: a transaction handler configured to process transactions in a payment processing network; a data warehouse configured to store transaction data recording the transactions processed at the transaction handler; a profile generator configured to generate, based on the transaction data, a profile including business activity data configured to identify a time period of active business, and a portal configured to communicate with a search engine to enhance search results using the business activity data.

Claims

1. A computer-implemented method, comprising:

providing a computing apparatus comprising;

a transaction handler configured in an electronic payment processing network connecting separate computers, including;

transaction terminals configured to;

obtain account identifiers from account identification devices, and

generate transactions of payments in the electronic payment processing network in accounts identified by the account identifiers;

first computers controlling the accounts identified by the account identifiers;

second computers controlling accounts in which the payments are received; and

the transaction handler connecting the first computers and the second computers in the electronic payment processing network;

a data warehouse coupled with the transaction handler; and

a portal coupled with the data warehouse and configured to communicate with a search engine outside the electronic payment processing network;

processing, by transaction handler, the transactions in the electronic payment processing network, resulting in transaction data;

storing, in the data warehouse coupled with the transaction handler, the transaction data recording the transactions of the payments;

receiving, in the portal over a computer network, a request from the search engine, wherein the search engine is configured to;

send the request to the portal in response to the search engine receiving a search term, and

identify search results based on the search term, wherein the search results identify a merchant;

identifying, by the computing apparatus from the transaction data stored in the data warehouse, a set of transactions of the merchant processed by the transaction handler in the electronic payment processing network;

determining, by the computing apparatus, transaction statistics of the set of transactions of the merchant;

deriving, by the computing apparatus from a statistical analysis of the set of transactions of the merchant, business activity data of the merchant, wherein the business activity data includes;

business hours of the merchant,

a peak portion of a business time period of the merchant, and

an indication of whether the merchant is currently active in business, and

transmitting, by the portal as a response to the request received from the search engine, the business activity data, including the business hours of the merchant, the peak portion of the business time period of the merchant, and the indication of whether the merchant is currently active in business, to cause the search engine to enhance the search results using the business activity data.

2. The method of claim 1, wherein the business activity data identifies business hours of the merchant in a business day.

3. A non-transitory computer storage medium storing instructions configured to instruct a computing apparatus to perform operations comprising:

receiving, in a portal, a request from a search engine, wherein the portal is configured in the computing apparatus comprising;

a transaction handler configured in an electronic payment processing network connecting separate computers, including;

transaction terminals configured to;

obtain account identifiers from account identification devices, and

generate transactions of payments in the electronic payment processing network in accounts identified by the account identifiers;

first computers controlling the accounts identified by the account identifiers;

second computers controlling accounts in which the payments are received; and

the transaction handler coupled between the first computers and the second computers in the electronic payment processing network and configured to process the transactions of the payments, resulting in transaction data;

a data warehouse coupled with the transaction handler to store the transaction data recording the transactions of the payments; and

the portal coupled with the data warehouse and configured to communicate with a search engine outside the electronic payment processing network;

wherein in response to the search engine receiving a search term, the search engine is configured to;

send the request to the portal, and

identify search results based on the search term, wherein the search results identify a merchant;

identifying, by the computing apparatus from the transaction data stored in the data warehouse coupled with the transaction handler, a set of transactions of the merchant processed by the transaction handler of the electronic payment processing network;

determining, by the computing apparatus, transaction statistics of the set of transactions of the merchant;

deriving, by the computing apparatus from a statistical analysis of the set of transactions of the merchant, business activity data of the merchant, wherein the business activity data includes;

business hours of the merchant,

a peak portion of a business time period of the merchant, and

an indication of whether the merchant is currently active in business, and

transmitting, by the portal as a response to the request received from the search engine, the business activity data, including the business hours of the merchant, the peak portion of the business time period of the merchant, and the indication of whether the merchant is currently active in business, to cause the search engine to enhance the search results using the business activity data.

4. A search engine having at least one microprocessor and a memory storing instructions configured to instruct the at least one microprocessor to at least:

receive, in the search engine, a search term;

perform, by the search engine, a search according to the search term to obtain search results, the search results identifying a merchant;

transmit, by the search engine in response to the search term, a request to a portal of a computing apparatus comprising;

a transaction handler configured in an electronic payment processing network connecting separate computers including;

transaction terminals configured to;

obtain account identifiers from account identification devices, and

generate transactions of payments in the electronic payment processing network in accounts identified by the account identifiers;

first computers controlling the accounts identified by the account identifiers;

second computers controlling accounts in which the payments are received; and

the transaction handler coupled between the first computers and the second computers in the electronic payment processing network and configured to process the transactions of the payments, resulting in transaction data;

a data warehouse coupled with the transaction handler to store the transaction data recording the transactions of the payments;

the portal coupled with the data warehouse and configured to communicate with the search engine outside the electronic payment processing network;

wherein in response to the request, the computing apparatus is configured to;

identify from the transaction data a set of transactions of the merchant processed by the transaction handler,

determine transaction statistics of the set of transactions of the merchant, and

derive, by the computing apparatus from a statistical analysis of the transaction statistics of the set of transactions of the merchant, business activity data of the merchant, wherein the business activity data includes;

business hours of the merchant,

a peak portion of a business time period of the merchant, and

an indication of whether the merchant is currently active in business;

receive, by the search engine from the portal as a response to the request, the business activity data of the merchant, including the business hours of the merchant, the peak portion of the business time period of the merchant, and the indication of whether the merchant is currently active in business; and

enhance, by the search engine, the search results using the business activity data.

5. The search engine of claim 4, wherein the instructions are further configured to use the business activity data of the merchant to enhance the search results in view of needs of users of the search engine and non-business time periods of the merchant.

6. The search engine of claim 4, wherein the instructions are further configured to use the business activity data of the merchant to select offers to be provided to users of the search engine.

7. The search engine of claim 4, wherein the instructions are further configured to use the business activity data of the merchant to target offers configured to invite users to visit the merchant at off-peak business time period of the merchant.

8. A computing apparatus including the search engine of claim 4, the computing apparatus further comprising:

the data warehouse configured to store the transaction data; and

the profile generator configured to generate transaction profiles based on the transaction data;

wherein a transaction profile of the merchant includes the business activity data, including an identification of a recurring time period that is statistically observed to have no payment transactions for the merchant.

9. The computing apparatus of claim 8, further comprising:

the transaction handler of the payment processing network configured to record the transaction data in the data warehouse; and

the portal coupled with the data warehouse and configured to provide the business activity data to the search engine.

10. The computing apparatus of claim 9, wherein the business activity data of the merchant includes an indicator of whether the merchant is active or inactive in business.

11. The computing apparatus of claim 9, wherein the business activity data of the merchant includes an indicator of whether the merchant has changed business hours.

12. The computing apparatus of claim 9, wherein the business activity data of the merchant includes an indicator of whether the merchant is going out of business.