REPUTATION MANAGEMENT IN A TRANSACTION PROCESSING SYSTEM

• US 20120310831A1
• Filed: 05/31/2012
• Published: 12/06/2012
• Est. Priority Date: 06/02/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Faith, Patrick, Harris, Theodore
• Granted Patent: US 10,395,256 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

A method includes: receiving information regarding a plurality of completed transactions from a plurality of users; receiving a query from a first user regarding a proposed transaction; determining at least one affinity between the first user and the plurality of users based on the information; determining a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity; selecting a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and sending, in response to the query, the plurality of selected entities to the first user.

Claims

1. A method, comprising:

receiving information regarding a plurality of completed transactions from a plurality of users;

receiving, by a computing apparatus, a query from a first user regarding a proposed transaction;

determining, by the computing apparatus, at least one affinity between the first user and the plurality of users based on the information;

determining a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity;

selecting a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and

sending, in response to the query, the plurality of selected entities to the first user.

2. The method of claim 1, further comprising sending, to the first user, an indication of the ranking or expectation of success for each of the plurality of selected entities.

3. The method of claim 1, wherein the plurality of users comprises a second user, the method further comprising associating the first user with a first cluster, and associating the second user with a second cluster, wherein the at least one affinity comprises an affinity between the first cluster and second cluster.

4. The method of claim 3, wherein the first cluster is a first network and the second cluster is a second network, the method further comprising defining the first network and the second network by a transactional token processing system.

5. The method of claim 1, wherein the receiving the information comprises receiving data associated with transactions to which a transactional token is applied by one of the plurality of users.

6. The method of claim 5, further comprising storing a token data record for the transactional token in a memory or database of a token processing system, wherein the determining the ranking or expectation of success comprises using information from the token data record.

7. The method of claim 1, further comprising after the proposed transaction becomes a completed transaction, receiving feedback information regarding the completed transaction from the first user.

8. The method of claim 7, further comprising updating the at least one affinity based on the feedback information.

9. The method of claim 7, wherein the feedback information is at least one of a text comment and a numerical ranking.

10. The method of claim 1, wherein the plurality of users comprises the plurality of potential entities.

11. The method of claim 1, wherein the receiving the information comprises receiving transaction data for the plurality of transactions by a transaction handler configured to receive from acquirer processors authorization requests for payments to be made by issuer processors according to account identifiers of users, the issuer processors to make the payments on behalf of users, and the acquirer processors to receive the payments on behalf of merchants.

12. A system, comprising:

at least one processor; and

memory storing instructions configured to instruct the at least one processor to;

receive information regarding a plurality of completed transactions from a plurality of users;

receive a query from a first user regarding a proposed transaction;

determine at least one affinity between the first user and the plurality of users based on the information;

determine a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity;

select a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and

send, in response to the query, the plurality of selected entities to the first user.

13. The system of claim 12, wherein the instructions are further configured to instruct the at least one processor to send, to the first user, an indication of the ranking or expectation of success for each of the plurality of selected entities.

14. The system of claim 12, wherein the plurality of users comprises a second user, wherein the instructions are further configured to instruct the at least one processor to associate the first user with a first cluster, and associate the second user with a second cluster, and wherein the at least one affinity comprises an affinity between the first cluster and second cluster.

15. The system of claim 14, wherein the first cluster is a first network and the second cluster is a second network, and wherein the instructions are further configured to instruct the at least one processor to define the first network and the second network by a transactional token processing system.

16. The system of claim 12, wherein the receiving the information comprises receiving data associated with transactions to which a transactional token is applied by one of the plurality of users, wherein the instructions are further configured to instruct the at least one processor to store a token data record for the transactional token in a memory or database of a token processing system, and wherein the determining the ranking or expectation of success comprises using information from the token data record.

17. The system of claim 12, wherein the instructions are further configured to instruct the at least one processor to, after the proposed transaction becomes a completed transaction, receive feedback information regarding the completed transaction from the first user.

18. The system of claim 12, wherein the plurality of users comprises the plurality of potential entities.

19. The system of claim 12, wherein the receiving the information comprises receiving transaction data for the plurality of transactions by a transaction handler configured to receive from acquirer processors authorization requests for payments to be made by issuer processors according to account identifiers of users, the issuer processors to make the payments on behalf of users, and the acquirer processors to receive the payments on behalf of merchants.

20. A non-transitory computer-readable storage medium storing computer-readable instructions, which when executed, cause a computer system to:

receive information regarding a plurality of completed transactions from a plurality of users;

receive, by a computing apparatus, a query from a first user regarding a proposed transaction;

determine, by the computing apparatus, at least one affinity between the first user and the plurality of users based on the information;

determine a ranking or expectation of success for each of a plurality of potential entities for the proposed transaction based on the at least one affinity;

select a plurality of selected entities based on the ranking or expectation of success for each of the potential entities; and

send, in response to the query, the plurality of selected entities to the first user.