Reputation management in a transaction processing system

• US 10,395,256 B2
• Filed: 05/31/2012
• Issued: 08/27/2019
• Est. Priority Date: 06/02/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Harris, Theodore, Faith, Patrick
• Primary Examiner(s): Chang, Edward
• Application Number:
  US13/485,637
• Publication Number:
  US 20120310831A1
• Time in Patent Office: 2,644 Days
• Field of Search: 705 10, 705 35
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

A method includes: receiving information regarding a plurality of completed transactions from a plurality of users; receiving a query from a first user regarding a proposed transaction; determining at least one affinity between the first user and the plurality of users based on the information; determining a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity; selecting a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and sending, in response to the query, the plurality of selected entities to the first user.

Claims

1. A method of generating a targeted communication comprising a list of a plurality of potential entities for a proposed transaction and causing the targeted communication to be displayed on a device of a first user, comprising:

generating, by a token processing system, a plurality of tokens for a plurality of users, the plurality of tokens including a first token;

storing, by the token processing system in a plurality of token data records of a database, token data for the plurality of users;

receiving from a transaction handler, information regarding a plurality of completed transactions for the plurality of users, the information comprising data associated with a first transaction to which the first token is applied by one of the plurality of users, the transaction handler configured to receive from acquirer processors authorization requests for payments to be made by issuer processors according to account identifiers of users;

in response to receiving information regarding the first transaction from the transaction handler, updating, by the token processing system in the database, a first token data record for the first token;

receiving, by at least one processor, a query from the first user regarding a proposed transaction;

receiving, by the at least one processor, from a social server, social data of the plurality of users;

associating, by the at least one processor, the first user with a first cluster;

selecting, by the at least one processor, a second cluster associated with the plurality of potential entities for the proposed transaction based on an affinity between the first cluster and the second cluster, the affinity being determined based on the information regarding the completed transactions received from the transaction handler, the social data from the social server, and the data stored by the token processing system regarding the network of users associated with the first token;

determining, by the at least one processor, at least one affinity between the first user and each of the plurality of potential entities associated with the second cluster based on the information regarding the completed transactions received from the transaction handler, the social data from the social server, and data stored by the token processing system regarding a network of users associated with the first token;

determining a ranking for each of the plurality of potential entities associated with the second cluster for the proposed transaction based on the at least one affinity, wherein determining the ranking comprises accessing the database to obtain information in the first token data record of the token processing system;

selecting a plurality of selected entities based on the ranking for each of the potential entities;

sending, in response to the query, the plurality of selected entities to the first user for display on the user device of the first user;

causing display on the user device of the ranking for each of the plurality of selected entities;

after the proposed transaction becomes a completed transaction via the transaction handler, receiving, based on input into a user interface of the user device, feedback information regarding the completed transaction; and

updating, by the at least one processor, the at least one affinity based on the feedback information for use when causing displays on user devices in response to other queries regarding proposed transactions.

2. The method of claim 1, wherein the first cluster is a first network and the second cluster is a second network, the method further comprising defining the first network and the second network by the token processing system.

3. The method of claim 1, wherein the feedback information is a numerical ranking.

4. The method of claim 1, wherein the plurality of users comprises the plurality of potential entities.

10. The method of claim 1, wherein the social data comprises a social graph.

5. A system for generating a targeted communication comprising a list of a plurality of potential entities for a proposed transaction and causing the targeted communication to be displayed on a device of a first user, comprising:

at least one processor; and

memory storing instructions configured to instruct the at least one processor to;

generate, by a token processing system, a plurality of tokens for a plurality of users, the plurality of tokens including a first token;

store, by the token processing system, token data for the plurality of users in a plurality of token data records of a database;

receive from a transaction handler, information regarding a plurality of completed transactions for the plurality of users, the information comprising data associated with a first transaction to which the first token is applied by one of the plurality of users, the transaction handler configured to receive from acquirer processors authorization requests for payments to be made by issuer processors according to account identifiers of users;

in response to receiving information regarding the first transaction, update, in the database, a first token data record for the first token;

receive a query from the first user regarding a proposed transaction;

receive from a social server, social data of the plurality of users;

associate the first user with a first cluster;

selecting a second cluster associated with the plurality of potential entities for the proposed transaction based on an affinity between the first cluster and the second cluster, the affinity being determined based on the information regarding the completed transactions received from the transaction handler, the social data from the social server, and the data stored by the token processing system regarding the network of users associated with the first token;

determine at least one affinity between the first user and each of the plurality of potential entities associated with the second cluster based on the information regarding the completed transactions received from the transaction handler, the social data from the social server, and data stored by the token processing system regarding a network of users associated with the first token;

determine a ranking for each of the plurality of potential entities associated with the second cluster for the proposed transaction based on the at least one affinity, wherein the determining the ranking comprises accessing the database to obtain information in the first token data record of the token processing system;

select a plurality of selected entities based on the ranking for each of the potential entities;

send, in response to the query, the plurality of selected entities to the first user for display on the user device of the first user;

cause display on the user device of the ranking for each of the plurality of selected entities;

after the proposed transaction becomes a completed transaction via the transaction handler, receive, based on input into a user interface of the user device, feedback information regarding the completed transaction; and

update the at least one affinity based on the feedback information for use when causing displays on user devices in response to other queries regarding proposed transactions.

6. The system of claim 5, wherein the first cluster is a first network and the second cluster is a second network, and wherein the instructions are further configured to instruct the at least one processor to define the first network and the second network by the token processing system.

7. The system of claim 5, wherein the plurality of users comprises the plurality of potential entities.

8. The system of claim 5, wherein the receiving the information comprises receiving transaction data for the plurality of transactions by a transaction handler configured to receive from acquirer processors authorization requests for payments to be made by issuer processors according to account identifiers of users.

9. A non-transitory computer-readable storage medium for generating a targeted communication comprising a list of a plurality of potential entities for a proposed transaction and causing the targeted communication to be displayed on a device of a first user, the non-transitory computer-readable storage medium storing computer-readable instructions, which when executed, cause a computer system to:

generate, by a token processing system, a plurality of tokens for a plurality of users, the plurality of tokens including a first token;

store, by the token processing system, token data for the plurality of users in a plurality of token data records of a database;

receive from a transaction handler, information regarding a plurality of completed transactions for the plurality of users, the information comprising data associated with a first transaction to which the first token is applied by one of the plurality of users, the transaction handler configured to receive from acquirer processors authorization requests for payments to be made by issuer processors according to account identifiers of users;

in response to receiving information regarding the first transaction, update, in the database, a first token data record for the first token;

receive, by a computing apparatus, a query from the first user regarding a proposed transaction;

receive, by the at least one processor, from a social server, social data of the plurality of users;

associate the first user with a first cluster;

select a second cluster associated with the plurality of potential entities for the proposed transaction based on an affinity between the first cluster and the second cluster, the affinity being determined based on the information regarding the completed transactions received from the transaction handler, the social data from the social server, and the data stored by the token processing system regarding the network of users associated with the first token;

determine, by the computing apparatus, at least one affinity between the first user and each of the plurality of potential entities associated with the second cluster based on the information regarding the completed transactions received from the transaction handler, the social data from the social server, and data stored by the token processing system regarding a network of users associated with the first token;

determine a ranking for each of the plurality of potential entities associated with the second cluster for the proposed transaction based on the at least one affinity, wherein the determining the ranking comprises accessing the database to obtain information in the first token data record of the token processing system;

select a plurality of selected entities based on the ranking for each of the potential entities;

send, in response to the query, the plurality of selected entities to the first user for display on the user device of the first user;

cause display on the user device of the ranking for each of the plurality of selected entities;

after the proposed transaction becomes a completed transaction via the transaction handler, receive, based on input into a user interface of the user device, feedback information regarding the completed transaction; and

update the at least one affinity based on the feedback information for use when causing displays on user devices in response to other queries regarding proposed transactions.