Systems and Methods to Identify Spending Patterns
First Claim
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1. A computer-implemented method, comprising:
- combining, by a computing device, transaction data with online activity tracking data to identify transactions carried out with respective merchants and generated from advertisements outside websites of the respective merchants, the online activity tracking data indicating identities of users visiting the websites; and
determining, by the computing device using the transaction data, a spending pattern distribution across the merchants in the transactions generated from advertisements outside the websites of the respective merchants.
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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 determine online activity tracking data, and at least one processor coupled with the data warehouse and the portal and configured to identify, using the transaction data and the online activity tracking data, first users who have not been to a website of a first merchant within a predetermined period of time, identify a set of transactions of the first users, and determine a spending pattern in the set of transactions of the first users.
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20 Claims
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1. A computer-implemented method, comprising:
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combining, by a computing device, transaction data with online activity tracking data to identify transactions carried out with respective merchants and generated from advertisements outside websites of the respective merchants, the online activity tracking data indicating identities of users visiting the websites; and determining, by the computing device using the transaction data, a spending pattern distribution across the merchants in the transactions generated from advertisements outside the websites of the respective merchants. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. 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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identifying, by the computer, first users who have not been to a website of a first merchant within a predetermined period of time using transaction data and online activity tracking data; identifying, by the computer, a set of transactions of the first users; and determining, by the computer, a spending pattern from the set of transactions of the first users. - View Dependent Claims (18)
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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 determine online activity tracking data; and at least one processor coupled with the data warehouse and the portal and configured to identify, using the transaction data and the online activity tracking data, first users who have not been to a website of a first merchant within a predetermined period of time, identify a set of transactions of the first users, and determine a spending pattern in the set of transactions of the first users. - View Dependent Claims (20)
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Specification