Systems and Methods to Provide Market Analyses and Alerts
First Claim
1. A computer-implemented method, comprising:
- generating transaction data for payment transactions processed by a transaction handler, each of the payment transactions being processed to make a payment from an issuer processor of an issuer to an acquirer processor via the transaction handler in response to an account identifier, as issued by the issuer to an account holder, being submitted from a merchant to the acquirer processor, the issuer processor to make payments on behalf of account holders, the acquirer processor to receive payments on behalf of merchants;
correlating the transaction data and the environmental data to establish at least one predictive model using a computing device;
predicting a financial activity based on the predictive model using the computing device; and
providing information about a prediction of the financial activity to a user.
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Accused Products
Abstract
In one aspect, a computing apparatus includes: a transaction handler configured to process payment transactions between issuer processors on behalf of account holders and acquirer processors on behalf of merchants; a data warehouse configured to store transaction data recording the payment transactions and environmental data identifying market activities and events occurring shortly before, concurrently with, or shortly after the respective payment transactions; an analytic tool coupled with the data warehouse and configured to correlate the transaction data and the environmental data to establish at least one predictive model and configured to predict a market activity based on the predictive model; and a gateway to provide information about a prediction of the market activity to a user via a report or a mobile alert.
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Citations
20 Claims
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1. A computer-implemented method, comprising:
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generating transaction data for payment transactions processed by a transaction handler, each of the payment transactions being processed to make a payment from an issuer processor of an issuer to an acquirer processor via the transaction handler in response to an account identifier, as issued by the issuer to an account holder, being submitted from a merchant to the acquirer processor, the issuer processor to make payments on behalf of account holders, the acquirer processor to receive payments on behalf of merchants; correlating the transaction data and the environmental data to establish at least one predictive model using a computing device; predicting a financial activity based on the predictive model using the computing device; and providing information about a prediction of the financial activity to a user. - 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-storage medium storing instructions which, when executed on a computing device, cause the computing device to perform a method comprising:
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generating transaction data for payment transactions processed by a transaction handler, each of the payment transactions being processed to make a payment from an issuer processor of an issuer to an acquirer processor via the transaction handler in response to an account identifier, as issued by the issuer to an account holder, being submitted from a merchant to the acquirer processor, the issuer processor to make payments on behalf of account holders, the acquirer processor to receive payments on behalf of merchants; correlating the transaction data and the environmental data to establish at least one predictive model using the computing device; predicting a financial activity based on the predictive model using the computing device; and providing information about a prediction of the financial activity to a user.
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18. A computing apparatus, comprising:
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a transaction handler configured to process payment transactions, each of the payment transactions being processed to make a payment from an issuer processor of an issuer to an acquirer processor via the transaction handler in response to an account identifier, as issued by the issuer to an account holder, being submitted from a merchant to the acquirer processor, the issuer processor to make payments on behalf of account holders, the acquirer processor to receive payments on behalf of merchants; a data warehouse configured to store transaction data recording the payment transactions and environmental data identifying market activities and events occurring near the payment transactions; an analytic tool coupled with the data warehouse and configured to correlate the transaction data and the environmental data to establish at least one predictive model and to predict a market activity based on the predictive model; and a gateway to provide information about a prediction of the market activity to a user. - View Dependent Claims (19, 20)
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Specification