MOBILE DATA MAPPING SYSTEM AND METHOD

• US 20130198046A1
• Filed: 07/30/2012
• Published: 08/01/2013
• Est. Priority Date: 07/28/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman, Hariramani, Prakash Prem
• Granted Patent: US 8,732,042 B2
• Time in Patent Office: Days
• US Class Current: 705/30
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/10 Tax strategies

Abstract

Embodiments of the invention are related to systems and methods for analyzing transaction data for mobile merchant transactions, and generating a message based on the analysis. Transaction data for one or more transactions conducted at one or more mobile merchants is electronically received, the transaction data including a location for each of the one or more transactions. The transaction data is analyzed by a server computer which generates a message based on the analysis, the message being transmitted to a client device.

Claims

1. A method comprising:

electronically receiving transaction data for one or more transactions conducted at one or more mobile merchants, the transaction data including a location for each of the one or more transactions;

analyzing, by a server computer, the transaction data;

generating, by the server computer, a message based on the analysis; and

electronically transmitting the message to a client device.

2. The method of claim 1, wherein the client device is associated with a mobile merchant.

3. The method of claim 1, wherein the message includes a report or an alert.

4. The method of claim 1, wherein analyzing the transaction data includes determining a transaction volume for a location, and wherein the generated message includes the transaction volume.

5. The method of claim 4, wherein the transaction data further includes a time for each of the one or more transactions, and wherein the determined transaction volume for the location is associated with a time interval.

6. The method of claim 1, wherein at least one of the one or more transactions is a fraudulent transaction.

7. The method of claim 6, wherein analyzing the stored transaction data includes determining a fraud rate for a location, and wherein the generated message includes the fraud rate.

8. The method of claim 1, wherein the transaction data is included in one or more of an authorization request message, an authorization response message, and a clearing message, and settlement message, and a chargeback message.

9. The method of claim 1, wherein the server computer is located in a payment processing network configured to process electronic payment transactions and to provide clearing and settlement services.

10. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, wherein the computer readable medium comprises code executable by the processor for implementing a method comprising;

electronically receiving transaction data for one or more transactions conducted at one or more mobile merchants, the transaction data including a location for each of the one or more transactions;

analyzing, by a server computer, the transaction data;

generating, by the server computer, a message based on the analysis; and

electronically transmitting the message to a client device.

11. The server computer of claim 10, wherein the client device is associated with a mobile merchant.

12. The server computer of claim 10, wherein the message includes a report or an alert.

13. The server computer of claim 10, wherein analyzing the transaction data includes determining a transaction volume for a location, and wherein the generated message includes the transaction volume.

14. The server computer of claim 13, wherein the transaction data further includes a time for each of the one or more transactions, and wherein the determined transaction volume for the location is associated with a time interval.

15. The server computer of claim 10, wherein at least one of the one or more transactions is a fraudulent transaction.

16. The server computer of claim 15, wherein analyzing the stored transaction data includes determining a fraud rate for a location, and wherein the generated message includes the fraud rate.

17. The server computer of claim 10, wherein the transaction data is included in one or more of an authorization request message, an authorization response message, and a clearing message, and settlement message, and a chargeback message.

18. The server of computer of claim 10, wherein the server computer is located in a payment processing network configured to process electronic payment transactions and to provide clearing and settlement services.

19. A method comprising:

electronically transmitting transaction data for one or more transactions conducted at one or more mobile merchants to a server computer associated with a payment processing network, wherein the transaction data identifies a location for each of the one or more transactions, wherein the server computer analyzes the transaction data, and wherein the server computer generates a message based on the analysis; and

electronically receiving the message from the server computer at a client device.

20. The method of claim 19, wherein the client device is associated with a mobile merchant.

21. The method of claim 19, wherein the message includes a report or an alert.

22. The method of claim 19, wherein analyzing the transaction data includes determining a transaction volume for a location, and wherein the generated message includes the transaction volume.

23. The method of claim 22, wherein the transaction data further includes a time for each of the one or more transactions, and wherein the determined transaction volume for the location is associated with a time interval.

24. The method of claim 19, wherein at least one of the one or more transactions is a fraudulent transaction.

25. The method of claim 24, wherein analyzing the stored transaction data includes determining a fraud rate for a location, and wherein the generated message includes the fraud rate.

26. The method of claim 19, wherein the transaction data is included in one or more of an authorization request message, an authorization response message, and a clearing message, and settlement message, and a chargeback message.

27. The method of claim 19, wherein the payment processing network is configured to process electronic payment transactions and to provide clearing and settlement services.