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Systems and Methods to Identify Payment Accounts Having Business Spending Activities

  • US 20120022945A1
  • Filed: 07/21/2011
  • Published: 01/26/2012
  • Est. Priority Date: 07/22/2010
  • Status: Active Grant
First Claim
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1. A computer-implemented method, comprising:

  • storing, in a computing apparatus, transaction data of accounts issued by a plurality of issuers;

    calculating, by the computing apparatus, values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers, the accounts including first accounts that are issued as accounts for individual consumers and second accounts that are issued as accounts for businesses; and

    identifying, by the computing apparatus, a second plurality of variables from the first plurality of variables for a predictive model to distinguish, using the values, the first accounts from the second accounts.

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