SYSTEMS AND METHODS FOR RECOMMENDING MERCHANTS
First Claim
1. A recommender computer system for use with a payment card interchange network, said system comprising a memory device and a processor in communication with the memory device, the recommender computer system is programmed to:
- receive payment card transaction information for a payment cardholder from the interchange network, the interchange network configured to process payment card transactions between a merchant through a merchant bank and a cardholder through an issuer bank, the payment card transaction information including data relating to a plurality of purchases made by the cardholder at a plurality of different merchants;
receive merchant rating information;
receive merchant descriptive information;
determine location information of each of the plurality of different merchants relative to at least one of a predetermined selectable location and a current location of the cardholder;
determine a relative ranking of the plurality of different merchants using the received payment card transaction information, the received merchant rating information, the received merchant descriptive information, and the determined location information; and
display the determined recommendations to a cardholder.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and a recommender computer system are provided. The recommender computer system is programmed to receive payment card transaction information for a payment cardholder from the interchange network. The payment card transaction information includes data relating to a plurality of purchases made by the cardholder at a plurality of different merchants. The recommender computer system is further programmed to receive merchant rating information, receive merchant descriptive information, and determine location information of each of the plurality of different merchants relative to at least one of a predetermined selectable location and a current location of the cardholder. The recommender computer system then determines a relative ranking of the plurality of different merchants using the received payment card transaction information, the received merchant rating information, the received merchant descriptive information, and the determined location information and displays the determined recommendations to a cardholder.
106 Citations
20 Claims
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1. A recommender computer system for use with a payment card interchange network, said system comprising a memory device and a processor in communication with the memory device, the recommender computer system is programmed to:
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receive payment card transaction information for a payment cardholder from the interchange network, the interchange network configured to process payment card transactions between a merchant through a merchant bank and a cardholder through an issuer bank, the payment card transaction information including data relating to a plurality of purchases made by the cardholder at a plurality of different merchants; receive merchant rating information; receive merchant descriptive information; determine location information of each of the plurality of different merchants relative to at least one of a predetermined selectable location and a current location of the cardholder; determine a relative ranking of the plurality of different merchants using the received payment card transaction information, the received merchant rating information, the received merchant descriptive information, and the determined location information; and display the determined recommendations to a cardholder. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A computer-based method for recommending merchants to a cardholder using a computer device coupled to a database, the method comprising:
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receiving payment card transaction information for a payment cardholder from the interchange network, the interchange network configured to process payment card transactions between a merchant through a merchant bank and a cardholder through an issuer bank, the payment card transaction information including data relating to a plurality of purchases made by the cardholder at a plurality of different merchants; receiving merchant rating information; receiving merchant descriptive information; determining location information of each of the plurality of different merchants relative to at least one of a predetermined selectable location and a current location of the cardholder; determining a relative ranking of the plurality of different merchants using the received payment card transaction information, the received merchant rating information, the received merchant descriptive information, and the determined location information; and displaying the determined recommendations to a cardholder - View Dependent Claims (13, 14, 15, 16, 17, 18)
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19. One or more non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:
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receive payment card transaction information for a payment cardholder from the interchange network, the interchange network configured to process payment card transactions between a merchant through a merchant bank and a cardholder through an issuer bank, the payment card transaction information including data relating to a plurality of purchases made by the cardholder at a plurality of different merchants; receive merchant rating information; receive merchant descriptive information; determine location information of each of the plurality of different merchants relative to at least one of a predetermined selectable location and a current location of the cardholder; determine a relative ranking of the plurality of different merchants using the received payment card transaction information, the received merchant rating information, the received merchant descriptive information, and the determined location information; and display the determined recommendations to a cardholder. - View Dependent Claims (20)
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Specification