Methods and systems for providing transaction data
First Claim
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1. A method for analyzing sales transaction data corresponding to sales transactions carried out between a plurality of payors and a plurality of merchants, the method comprising:
- collecting sales transaction data, the sales transaction data relating to a transaction between a payor and at least one of the plurality of merchants;
normalizing the collected sales transaction data from the plurality of payors to create normalized data;
scaling the normalized data to create financial information corresponding to a predetermined metric; and
providing the financial information to a user.
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Abstract
A method for analyzing transactional payment data is shown. Transaction data, relating to a transaction between a payor and at least one of a plurality of payees is collected. The collected transaction data from a plurality of payors is normalized to create normalized data. The normalized data is scaled to create financial information. The financial information is provided to a user.
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Citations
97 Claims
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1. A method for analyzing sales transaction data corresponding to sales transactions carried out between a plurality of payors and a plurality of merchants, the method comprising:
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collecting sales transaction data, the sales transaction data relating to a transaction between a payor and at least one of the plurality of merchants;
normalizing the collected sales transaction data from the plurality of payors to create normalized data;
scaling the normalized data to create financial information corresponding to a predetermined metric; and
providing the financial information to a user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54)
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18. A method for providing financial information to a user based on transactions between a plurality of payors and a plurality of merchants, the method comprising:
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registering the user as a licensed user;
collecting data when each payor uses a payment system to transact with at least one of the plurality of merchants;
analyzing the collected data to generate financial information; and
providing the financial information to the licensed user.
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38. A computer-readable medium containing instructions for causing a computer to perform a method for analyzing sales transaction data corresponding to sales transactions carried out between a plurality of payors and a plurality of merchants, the method comprising:
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collecting sales transaction data, the sales transaction data relating to a transaction between a payor and at least one of the plurality of merchants;
normalizing the collected sales transaction data from the plurality of payors to create normalized data;
scaling the normalized data to create financial information corresponding to a predetermined metric; and
providing the financial information to a user.
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55. A computer-readable medium containing instructions for causing a computer to perform a method for providing financial information to a user based on transactions between a plurality of payors and a plurality of merchants, the method comprising:
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registering the user as a licensed user;
collecting data when each payor uses a payment system to transact with at least one of the plurality of merchants;
analyzing the collected data to generate financial information; and
providing the financial information to the licensed user. - View Dependent Claims (56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74)
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75. A system for analyzing sales transaction data corresponding to sales transactions carried out between a plurality of payors and a plurality of merchants, the apparatus comprising:
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a processing unit;
an input/output device coupled to the processing unit;
a storage device in communication with the processing unit, the storage device including, program code for collecting sales transaction data, the sales transaction data relating to a transaction between a payor and at least one of the plurality of merchants;
program code for normalizing the collected sales transaction data from the plurality of payors to create normalized data;
program code for scaling the normalized data to create financial information corresponding to a predetermined metric; and
program code for providing the financial information to a user. - View Dependent Claims (76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91)
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92. A method comprising:
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collecting credit card transaction records corresponding to transactions between a plurality of cardholders and a plurality of merchants;
normalizing the collected credit card records to create normalized sales data;
scaling the normalized sales data to create scaled sales data;
applying an econometric model to the scaled sales data to generate financial information corresponding to the econometric model; and
providing the financial information to a user. - View Dependent Claims (93, 94)
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95. A computer system adapted to provide financial information to a user, the computer system having a processing unit capable of executing program code, and the computer system comprising:
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an input/output device coupled to the processing unit;
a storage device in communication with the processing unit, the storage device including, program code for collecting credit card transaction records corresponding to transactions between a plurality of cardholders and a plurality of merchants;
program code for normalizing the collected credit card records to create normalized sales data;
program code for scaling the normalized sales data to create scaled sales data;
program code for applying an econometric model to the scaled sales data to generate financial information corresponding to the econometric model; and
program code for providing the financial information to a user. - View Dependent Claims (96, 97)
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Specification