Systems and Methods to Identify Customers Based on Spending Patterns
First Claim
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1. A computer-implemented method, comprising:
- receiving, in a computing device, a request specifying a spending pattern distribution across more than one merchant; and
determining, by the computing device, whether or not transactions of a user satisfy the spending pattern distribution, based on transaction data recording transactions processed by a transaction handler.
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Abstract
In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, a portal configured to receive a request specifying a spending pattern distribution across more than one merchant, and at least one processor coupled with the data warehouse and the portal and configured to determine, based on the transaction data, whether or not transactions of a user satisfy the spending pattern distribution.
206 Citations
20 Claims
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1. A computer-implemented method, comprising:
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receiving, in a computing device, a request specifying a spending pattern distribution across more than one merchant; and determining, by the computing device, whether or not transactions of a user satisfy the spending pattern distribution, based on transaction data recording transactions processed by a transaction handler. - 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 tangible computer-readable storage medium storing instructions which, when executed on a computer, cause the computer to perform a method comprising:
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receiving, in the computer, a request specifying a spending pattern distribution across more than one merchant; and determining, by the computer, whether or not transactions of a user satisfy the spending pattern distribution, based on transaction data recording transactions processed by a transaction handler.
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19. A computing apparatus, comprising:
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a transaction handler to process transactions, each of the transactions being processed to make a payment from an issuer to an acquirer via the transaction handler in response to an account identifier of a customer, as issued by the issuer, being submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the customer, the acquirer to receive the payment on behalf of the merchant; a data warehouse to store transaction data recording the transactions; a portal configured to receive a request specifying a spending pattern distribution across more than one merchant; and at least one processor coupled with the data warehouse and the portal and configured to determine whether or not transactions of a user satisfy the spending pattern distribution, based on the transaction data. - View Dependent Claims (20)
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Specification