SYSTEM AND METHOD FOR PRIVACY COMPLIANT GIS FILE FORMAT DELIVERY SYSTEM FOR PAYMENT DATA

• US 20150019293A1
• Filed: 07/10/2013
• Published: 01/15/2015
• Est. Priority Date: 07/10/2013
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: HOWE, Justin X.
• Application Number:
  US13/938,703
• Publication Number:
  US 20150019293A1
• Time in Patent Office: Days
• US Class Current: 705/7.34
• CPC Class Codes: G06Q 30/0205 Location or geographical consideration

Abstract

A method for providing characteristic payments data includes: storing a plurality of transaction data entries, each data entry including transaction data, consumer information, merchant information, and a geographic location; receiving a request for characteristics, the request including a characteristic metric and specified geographic area; identifying a subset of data entries, where the geographic location is included in the specified geographic area; identifying the characteristic metric based on at least one of: the transaction data, consumer information, and merchant information of each data entry in the subset; generating a data file illustrating the identified characteristic metric as applied to the specified geographic area, wherein the data file is of a geographic information system (GIS) file format; and transmitting the generated data file in response to the received request for characteristics.

Claims

1. A method for providing characteristic payments data, comprising:

storing, in a transaction database, a plurality of transaction data entries, wherein each transaction data entry includes data related to a financial transaction including at least transaction data, consumer information, merchant information, and a geographic location;

receiving, by a receiving device, a request for characteristics, wherein the request for characteristics includes at least one characteristic metric and a specified geographic area;

identifying, by a processing device, a subset of the plurality of transaction data entries, wherein the geographic location included in each transaction data entry in the subset is included in the specified geographic area;

identifying, by the processing device, the at least one characteristic metric based on at least one of;

the transaction data, consumer information, and merchant information of each transaction data entry of the identified subset of the plurality of transaction data entries;

generating, by the processing device, a data file illustrating the identified at least one characteristic metric as applied to the specified geographic area, wherein the data file is of a geographic information system (GIS) file format; and

transmitting, by a transmitting device, the generated data file in response to the received request for characteristics.

2. The method of claim 1, wherein

the merchant information identifies a merchant involved in the related financial transaction, and

a number of unique merchants identified in the merchant information included in each of the transaction data entries in the identified subset of the plurality of transaction data entries exceeds a predetermined location threshold.

3. The method of claim 1, wherein

the consumer information identifies a consumer involved in the related financial transaction, and

a number of unique consumers identified in the consumer information included in each of the transaction data entries in the identified subset of the plurality of transaction data entries exceeds a predetermined consumer threshold.

4. The method of claim 2, wherein the predetermined consumer threshold is a minimum value of the number of unique consumers such that none of the unique consumers are personally identifiable.

5. The method of claim 1, wherein

the merchant information identifies a merchant involved in the related financial transaction, and

a unique number of merchants identified in the merchant information included in each of the transaction data entries in the identified subset of the plurality of transaction data entries exceeds a predetermined merchant threshold.

6. The method of claim 5, wherein the predetermined merchant threshold is included in the request for characteristics.

7. The method of claim 1, wherein the at least one characteristic metric is one of:

demographic information, spend behavior, and payments data.

8. The method of claim 7, wherein the demographic information includes at least one of:

age, gender, familial status, relationship status, income, type of residence, residential location, employment industry, employment location, and education.

9. The method of claim 7, wherein the spend behavior includes at least one of:

spend frequency, transaction frequency, spend amount, propensity to spend, and propensity to redeem offers.

10. The method of claim 1, wherein the consumer information includes at least one of:

an account identifier corresponding to a payment account involved in the related financial transaction and spend behavior, demographic data, or an identifier of a consumer involved in the related financial transaction, wherein the consumer information is not personally identifiable information of the consumer.

11. The method of claim 1, wherein the merchant information includes at least one of:

a merchant identifier, merchant name, merchant address, merchant category code, merchant industry, product information, product data, and a geographical area associated with a merchant involved in the financial transaction.

12. The method of claim 1, wherein the data file is one of:

a shape file or a raster file.

13. A system for providing characteristic payments data, comprising:

a transaction database configured to store a plurality of transaction data entries, wherein each transaction data entry includes data related to a financial transaction including at least transaction data, consumer information, merchant information, and a geographic location;

a receiving device configured to receive a request for characteristics, wherein the request for characteristics includes at least one characteristic metric and a specified geographic area;

a processing device configured to

identify a subset of the plurality of transaction data entries, wherein the geographic location included in each transaction data entry in the subset is included in the specified geographic area,

identify the at least one characteristic metric based on at least one of;

the transaction data, consumer information, and merchant information of each transaction data entry of the identified subset of the plurality of transaction data entries, and

generate a data file illustrating the identified at least one characteristic metric as applied to the specified geographic area, wherein the data file is of a geographic information system (GIS) file format; and

a transmitting device configured to transmit the generated data file in response to the received request for characteristics.

14. The system of claim 13, wherein

the merchant information identifies a merchant involved in the related financial transaction, and

a number of unique merchants identified in the merchant information included in each of the transaction data entries in the identified subset of the plurality of transaction data entries exceeds a predetermined location threshold.

15. The system of claim 13, wherein

the consumer information identifies a consumer involved in the related financial transaction, and

a number of unique consumers identified in the consumer information included in each of the transaction data entries in the identified subset of the plurality of transaction data entries exceeds a predetermined consumer threshold.

16. The system of claim 13, wherein the predetermined consumer threshold is a minimum value of the number of unique consumers such that none of the unique consumers are personally identifiable.

17. The system of claim 13, wherein

the merchant information identifies a merchant involved in the related financial transaction, and

a unique number of merchants identified in the merchant information included in each of the transaction data entries in the identified subset of the plurality of transaction data entries exceeds a predetermined merchant threshold.

18. The system of claim 17, wherein the predetermined merchant threshold is included in the request for characteristics.

19. The system of claim 13, wherein the at least one characteristic metric is one of:

demographic information, spend behavior, and payments data.

20. The system of claim 19, wherein the demographic information includes at least one of:

age, gender, familial status, relationship status, income, type of residence, residential location, employment industry, employment location, and education.

21. The system of claim 19, wherein the spend behavior includes at least one of:

spend frequency, transaction frequency, spend amount, propensity to spend, and propensity to redeem offers.

22. The system of claim 13, wherein the consumer information includes at least one of:

an account identifier corresponding to a payment account involved in the related financial transaction and spend behavior, demographic data, or an identifier of a consumer involved in the related financial transaction, wherein the consumer information is not personally identifiable information of the consumer.

23. The system of claim 13, wherein the merchant information includes at least one of:

a merchant identifier, merchant name, merchant address, merchant category code, merchant industry, product information, product data, and a geographical area associated with a merchant involved in the financial transaction.

24. The system of claim 13, wherein the data file is one of:

a shape file or a raster file.