Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants
First Claim
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1. A computer-implemented method, comprising:
- storing, in a computing apparatus, transaction data related to a plurality of transactions processed at a transaction handler, each of the transactions being processed via the transaction handler communicating with an issuer processor and an acquirer processor to make a payment from an issuer to an acquirer in response to an account identifier of a customer, as issued by the issuer, being submitted by a merchant to the acquirer processor, the issuer processor controlled by the issuer to make the payment on behalf of the customer, the acquirer processor controlled by the acquirer to receive the payment on behalf of the merchant;
receiving, in the computing apparatus, one or more parameters;
analyzing, by the computing apparatus, spending activities of a user based on the transaction data and the one or more parameters received in the computing apparatus;
generating, by the computing apparatus, spending activity information regarding transactions in a plurality of accounts of the user based on the analyzing of the spending activities of the user; and
transmitting, from the computing apparatus, the spending activity information for presentation.
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Abstract
In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.
257 Citations
20 Claims
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1. A computer-implemented method, comprising:
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storing, in a computing apparatus, transaction data related to a plurality of transactions processed at a transaction handler, each of the transactions being processed via the transaction handler communicating with an issuer processor and an acquirer processor to make a payment from an issuer to an acquirer in response to an account identifier of a customer, as issued by the issuer, being submitted by a merchant to the acquirer processor, the issuer processor controlled by the issuer to make the payment on behalf of the customer, the acquirer processor controlled by the acquirer to receive the payment on behalf of the merchant; receiving, in the computing apparatus, one or more parameters; analyzing, by the computing apparatus, spending activities of a user based on the transaction data and the one or more parameters received in the computing apparatus; generating, by the computing apparatus, spending activity information regarding transactions in a plurality of accounts of the user based on the analyzing of the spending activities of the user; and transmitting, from the computing apparatus, the spending activity information for presentation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A computer storage medium storing instructions which, when executed on a computer, cause the computer to perform a method, the method comprising:
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storing transaction data related to a plurality of transactions processed at a transaction handler, each of the transactions being processed via the transaction handler communicating with an issuer processor and an acquirer processor to make a payment from an issuer to an acquirer in response to an account identifier of a customer, as issued by the issuer, being submitted by a merchant to the acquirer processor, the issuer processor controlled by the issuer to make the payment on behalf of the customer, the acquirer processor controlled by the acquirer to receive the payment on behalf of the merchant; receiving one or more parameters; analyzing spending activities of a user based on the transaction data and the one or more parameters; generating spending activity information regarding transactions in a plurality of accounts of the user based on the analyzing of the spending activities of the user; and transmitting the spending activity information for presentation.
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19. A system, comprising:
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a transaction handler to process transactions, each of the transactions being processed via the transaction handler communicating with an issuer processor and an acquirer processor to make a payment from an issuer to an acquirer in response to an account identifier of a customer, as issued by the issuer, being submitted by a merchant to the acquirer processor, the issuer processor controlled by the issuer to make the payment on behalf of the customer, the acquirer processor controlled by the acquirer to receive the payment on behalf of the merchant; a data warehouse to store transaction data recording the transactions processed by the transaction handler; a portal coupled with the data warehouse, the portal to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input; and an analytics engine coupled with the portal and the data warehouse, the analytics engine to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user. - View Dependent Claims (20)
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Specification