TRANSACTION AGGREGATOR FOR CLOSED PROCESSING

• US 20110106840A1
• Filed: 07/08/2010
• Published: 05/05/2011
• Est. Priority Date: 11/05/2009
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Winters, Michelle, Barrett, Melyssa, Amaro, Leigh
• Granted Patent: US 8,626,705 B2
• Time in Patent Office: Days
• US Class Current: 707/769
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

Systems and methods for determining aggregated transaction level data for specific group characteristics are provided. Aggregated transaction level data can be used for target marketing campaigns by looking at past and potential spending habits of populations with group characteristics specified in the transaction data aggregates. The aggregates can also be used to measure the effectiveness of a particular marketing campaign by correlating the spending patters of a particular group with sales resulting from the campaign.

Claims

1. A method for deriving aggregated transaction data comprising:

sending a transaction data inquiry file from an aggregator server to a transaction database;

receiving a transaction data response file from the transaction database at the aggregator server;

parsing the transaction data response file according to the transaction data inquiry file using the aggregator server; and

determining a first transaction aggregate from the parsed transaction data response file using the aggregator server,

wherein the first transaction aggregate is based on a first group characteristic.

2. The method of claim 1 wherein the first group characteristic is a demographic characteristic.

3. The method of claim 1 further comprising sending the first transaction aggregate to a first information requester.

4. The method of claim 1 wherein the first group characteristic comprises a zip code.

5. The method of claim 1 further comprising receiving a transaction level aggregate request file from an information requester and wherein the transaction data inquiry file is based on the transaction level aggregate request file.

6. The method of claim 1 wherein the group characteristic comprises an IP address range.

7. The method of claim 6 wherein the IP address is correlated to one or more zip codes.

8. The method of claim 7 wherein the zip codes are based on the location of one or information requesters.

9. The method of claim 1 wherein the first transaction aggregate is further based on a second group characteristic.

10. The method of claim 1 wherein the first transaction aggregate is associated with one or more user identifiers.

11. The method of claim 1 further comprising determining a second transaction aggregate from the parsed transaction data response file using the aggregator server, wherein the second transaction aggregate is based on a second group characteristic.

12. A transaction aggregator for deriving aggregated transaction level data comprising a server computer comprising (a) a processor;

(b) a computer readable medium coupled to the processor, the computer readable medium comprising code for causing the processor to implement a method comprising sending a transaction data inquiry file from an aggregator server to a transaction database, receiving a transaction data response file from the transaction database at the aggregator server, parsing the transaction data response file according to the transaction data inquiry file using the aggregator server and determining a first transaction aggregate from the parsed transaction data response file using the aggregator server,

wherein the first transaction aggregate is based on a first group characteristic.

13. The transaction aggregator of claim 12 wherein the first group characteristic is a demographic characteristic.

14. The transaction aggregator of claim 12 wherein the method further comprises sending the first transaction aggregate to a first information requester.

15. The transaction aggregator of claim 12 wherein the first group characteristic comprises a zip code.

16. The transaction aggregator of claim 12 wherein the method further comprises receiving a transaction level aggregate request file from a first information requester and wherein the transaction data inquiry file is based on the transaction level aggregate request file.

17. The transaction aggregator of claim 12 wherein the first group characteristic comprises an IP address range.

18. The transaction aggregator of claim 17 wherein the IP address is correlated to one or more zip codes.

19. The transaction aggregator of claim 20 wherein the zip codes are based on the location of one or information requesters.

20. The transaction aggregator of claim 12 wherein the first transaction aggregate is further based on a second group characteristic.

21. The transaction aggregator of claim 12 wherein the method further comprises determining a second transaction aggregate from the parsed transaction data response file using the aggregator server, wherein the second transaction aggregate is based on a second group characteristic.