Systems and methods for identifying merchant locations based on transaction records

• US 10,382,882 B2
• Filed: 07/01/2015
• Issued: 08/13/2019
• Est. Priority Date: 09/02/2014
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Mac Nair, Bruce W., Howe, Justin X., Weinberger, Henry, Hu, Po
• Primary Examiner(s): Knox, Tyler W
• Application Number:
  US14/789,305
• Publication Number:
  US 20160066136A1
• Time in Patent Office: 1,504 Days
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: H04L 67/52 specially adapted for the location of the user terminal
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 64/00 Locating users or terminals or network equipment for network management purposes, e.g. mobility management

Abstract

Disclosed are exemplary embodiments of systems and methods for identifying a merchant location based on transaction records for the merchant. In an exemplary embodiment, a method generally includes accessing multiple router records. Each router record is assigned to one of multiple cells of a grid structure indicative of geographic location. Each router record is associated with a target merchant. The method further includes, for each of the multiple router records, searching for a match between the router record and at least one of multiple transactions at the target merchant, based on time, and reporting one or more of the multiple cells as a location associated with the target merchant, when a number of matching router records assigned to said one or more of the multiple cells exceeds a predetermined threshold.

Claims

1. A computer-implemented method for identifying a merchant location for a target merchant based on one or more transactions, the method comprising:

accessing multiple router records, each router record generated by a portable communication device and assigned to one of multiple cells of a grid structure indicative of geographic location, each of the multiple cells associated with signal strengths of routers, and each router record including at least;

(a) a temporal indicator specific to one or more signal strengths recognized by the portable communication device at a time and date indicated by the temporal indicator, each signal strength defining a strength, at the portable communication device, of a signal of a corresponding router; and

(b) a grid structure cell designation specific to one of the multiple cells of the grid structure to which the router record is assigned, based on the signal strengths recognized by the portable communication device being within the associated signal strengths of the one of the multiple cells of the grid structure;

for each of the multiple router records, searching, by a computing device, for a match between the router record and at least one of multiple transaction records associated with the target merchant, each of the multiple transaction records including at least a temporal indicator indicative of a time and date at which a transaction represented by the transaction record was initiated, the match based on a consistency between the temporal indicator of the router record and the temporal indicator of the at least one of the multiple transaction records;

based on the searching, for each one of the multiple cells of the grid structure, counting a number of matches between one or more router records assigned to the one of the multiple cells of the grid structure and ones of the multiple transaction records associated with the target merchant; and

reporting one or more of the multiple cells as a location associated with the target merchant, based on the counted number of matching router records assigned to said one or more of the multiple cells exceeding a predetermined threshold, thereby further permitting portable communication devices to be located at the target merchant apart from use of a global positioning system (GPS) and without revealing information identifiable to consumers associated with said portable communication devices.

2. The method of claim 1, wherein searching for the match between the router record and the at least one of multiple transaction records includes searching for the match between the router record and the at least one of the multiple transaction records, where the consistency is based on the time and date of the router record being within a predetermined interval of the transaction time and date of said one of the multiple transaction records.

3. The method of claim 2, further comprising filtering out one or more of the router records, transaction records, or matches of router records and transaction records, when the time of a router record and/or the transaction time of a transaction record is within a high intensity interval;

and wherein the high intensity interval includes an interval in which an authorization intensity of the merchant is above a predetermined threshold.

4. The method of claim 1, further comprising generating the grid structure including the multiple cells, such that each of the multiple cells is indicative of the geographic location and each of the multiple cells is associated with signal strengths of routers located in or around the geographic location;

and assigning each of the multiple router records to one of the multiple cells of the grid structure based on signal strengths recognized by the portable communication device that generated the router record being within the signal strengths associated with the one of the multiple cells of the grid structure, the signal strengths associated with the one of the multiple cells of the grid structure including a range of signal strengths.

5. The method of claim 4, wherein generating the grid structure includes clustering router records within at least one standard deviation of a center of the cluster, whereby each cluster defines one of the multiple cells of the grid structure;

and wherein no more than one merchant is included in each of the multiple cells.

6. The method of claim 1, wherein each router record includes a merchant ID, a merchant name, and/or a merchant address.

7. The method of claim 6, further comprising, for each of the multiple router records, appending the merchant ID, the merchant name, and/or the merchant address to the router record based on at least one router name included in the router record.

8. The method of claim 1, further comprising:

accessing, by a location provider, the multiple router records;

purging data identifying a consumer and/or a portable communication device from each of the multiple router records; and

transmitting the purged router records to a payment network;

wherein for each of the multiple router records, searching, by the computing device, for the match between the router record and the at least one of multiple transaction records includes, for each of the purged router records, searching for the match between the purged router record and the at least one of multiple transaction records.

9. The method of claim 1, further comprising accessing, by a location provider, the multiple router records;

and

creating a router graph based on the multiple accessed router records.

10. The method of claim 1, further comprising, by a location provider, creating at least one rule, based on at least one signal strength range for at least one router, for determining location of a portable communication device, based on the reported one or more of the multiple cells.

11. The method of claim 1, further comprising accessing the multiple transaction records based on a merchant ID;

and

wherein searching for the match between the router record and the at least one of multiple transition records includes searching for the match between the router record and the at least one of the multiple accessed transaction records, based on the merchant ID.

12. The method of claim 1, further comprising recognizing, by the portable communication device, one or more of the signal strengths of the routers, each signal strength defining a strength, at the communication device, of a signal of a corresponding router;

generating, by the portable communication device, a router record including at least the one or more of the signal strengths recognized by the portable communication device and a temporal indicator specific to the one or more of the signal strengths recognized by the portable communication device at a time and date indicated by the temporal indicator;

providing, by the portable communication device, the router record generated by the portable communication device to a location provider;

purging, by the location provider, the one or more of the signal strengths from the router record generated by the portable communication device; and

providing, by the location provider, the router record generated by the portable communication device to a payment network, whereby the payment network may access the router record generated by the portable communication device without the one or more of the signal strengths.

13. A system for identifying a merchant location based on one or more transactions, the system comprising:

a memory including a data structure, the data structure including;

multiple transaction records associated with a target merchant, each transaction record including a time and date at which a transaction represented by the transaction record occurred; and

a processor coupled to the memory and configured to;

access multiple router records, each router record generated by a portable communication device and associated with the target merchant, each router record including a time and date at which signal strengths of routers were recognized by the portable communication device;

for each of the multiple router records, search for a match between the router record and at least one of the multiple transaction records associated with the target merchant, the match based on a consistency between the time and date of the router record and the time and date of the at least one of the multiple transaction records;

for each matching router record;

designate the router record with a transaction indicator, whereby the transaction indicator indicates a match between the time and date of the router record and the time and date of the transaction record; and

assign to the router record an authorization intensity indicative of a number of transactions at the target merchant for a particular interval; and

report each matching router record to a location provider based on the authorization intensity exceeding a predefined intensity.

14. The system of claim 13, wherein the processor is configured to:

generate a grid structure indicative of geographic location, the grid structure including multiple, mutually exclusive cells, such that no more than one merchant is included in each of the multiple grid cells; and

assign each of the router records to one of the multiple grid cells.

15. The system of claim 13, wherein each of the router records is assigned to a grid structure having multiple cells;

and

wherein the processor is configured to report the at least one of the matched router records when the at least one of the matched router record is assigned to one of the multiple grid cells and a number of matched router records assigned to said one of the multiple cells exceeds a predetermined threshold.

16. The system of claim 13, wherein each router record includes a merchant ID, a merchant name, and/or a merchant address;

and

wherein the processor is configured to search, based on the merchant ID, the merchant name, and/or the merchant address for the match between the router record and the at least one of the multiple transactions records.

17. The system of claim 13, wherein the processor is configured to search for the match between the router record and the at least one of multiple transaction records based on the time of the router record being within a predetermined interval of the time of the at least one of the multiple transaction records.

18. The system of claim 13, wherein the processor is configured to identify the location of the merchant based on router specific data in at least some of the matched router records.