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SYSTEMS AND METHODS FOR RECOMMENDING MERCHANTS

  • US 20120296724A1
  • Filed: 05/20/2011
  • Published: 11/22/2012
  • Est. Priority Date: 05/20/2011
  • Status: Active Grant
First Claim
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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:

  • 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.

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