METHOD OF COMPILING CITY GUIDE DATABASE USING PAYMENT SYSTEM DATA

• US 20170061458A1
• Filed: 09/01/2015
• Published: 03/02/2017
• Est. Priority Date: 09/01/2015
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Elangovan, Arun, Pandey, Anshul
• Application Number:
  US14/842,213
• Publication Number:
  US 20170061458A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 3/0481 based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
• CPC Class Codes: G06Q 30/0205 Location or geographical consideration
• CPC Class Codes: G06Q 30/0629 for generating comparisons
• CPC Class Codes: G06Q 30/0639 Item locations
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 50/12 Hotels or restaurants

Abstract

A method includes receiving transaction data from a payment network. The transaction data may represent payment account transactions. A subset of the transaction data may be associated with a district in an urban area. A summary characteristic of the district may be generated on the basis of the subset of transaction data associated with the district. The district may be represented by a color or a shade on a map. The map may be transmitted to a user'"'"'s mobile device.

Claims

1. A method comprising:

receiving transaction data from a payment network, the transaction data representing payment account transactions;

associating a subset of the transaction data with a district in an urban area;

generating a summary characteristic of the district on the basis of the associated subset of transaction data;

representing the district on a map by a color or shade, said color or shade determined at least in part by said generated summary characteristic;

receiving location information indicative of a user'"'"'s current location from a user'"'"'s mobile device; and

transmitting the map to the user'"'"'s mobile device for presentation to the user, the map configured based at least in part on the user'"'"'s current location.

2. The method of claim 1, wherein the summary characteristic is a price level in at least one category of merchant.

3. The method of claim 2, wherein the at least one category of merchant includes at least one of restaurants, grocery stores, pharmacies, apparel stores, hotels and luggage stores.

4. The method of claim 1, wherein the summary characteristic is prevailing business hours.

5. The method of claim 1, wherein said assigning is based on locations of merchants represented in the subset of transaction data.

6. The method of claim 1, further comprising:

characterizing the district as to at least one of (a) estimated risk of fraud;

(b) types of currency accepted;

(c) density of stores of a particular type;

(d) density of ATMs (automatic teller machines); and

absolute number of stores of a particular type.

7. The method of claim 1, further comprising:

receiving, from the user'"'"'s mobile device, an indication of a type of information that the user desires to obtain concerning the district.

8. An apparatus comprising:

a processor; and

a memory in communication with the processor and storing program instructions, the processor operative with the program instructions to perform functions as follows;

receiving transaction data from a payment network, the transaction data representing payment account transactions;

associating a subset of the transaction data with a district in an urban area;

generating a summary characteristic of the district on the basis of the associated subset of transaction data;

representing the district on a map by a color or shade, said color or shade determined at least in part by said generated summary characteristic;

receiving location information indicative of a user'"'"'s current location from a user'"'"'s mobile device; and

transmitting the map to the user'"'"'s mobile device for presentation to the user, the map configured based at least in part on the user'"'"'s current location.

9. The apparatus of claim 8, wherein the summary characteristic is a price level in at least one category of merchant.

10. The apparatus of claim 9, wherein the at least one category of merchant includes at least one of restaurants, grocery stores, pharmacies, apparel stores, hotels and luggage stores.

11. The apparatus of claim 8, wherein the summary characteristic is prevailing business hours.

12. The apparatus of claim 8, wherein said assigning is based on locations of merchants represented in the subset of transaction data.

13. The apparatus of claim 8, wherein the processor is further operative with the program instructions to

characterize the district as to at least one of (a) estimated risk of fraud;

(b) types of currency accepted;

(c) density of stores of a particular type;

(d) density of ATMs (automatic teller machines); and

absolute number of stores of a particular type.

14. A method comprising:

receiving transaction data from a payment network, the transaction data representing payment account transactions;

analyzing said transaction data to assemble a data profile for a district in an urban area, said data profile indicating, for said district;

(a) a price level for at least one category of merchant;

(b) hours of operation for said at least one category of merchant;

(c) an estimate of fraud risk for said at least one category of merchant;

(d) types of currency accepted by said at least one category of merchant;

(e) density of stores for said at least one category of merchant; and

(f) density of ATMs;

said data profile including district profile data;

receiving a location-based inquiry from a mobile device; and

transmitting at least some of the district profile data to the mobile device in response to the received location-based inquiry.

15. The method of claim 14, wherein said at least one category of merchant includes restaurants.

16. The method of claim 14, wherein said at least one category of merchant includes pharmacies.

17. The method of claim 14, wherein said at least one category of merchant includes apparel stores.

18. The method of claim 14, wherein said at least one category of merchant includes luggage stores.

19. The method of claim 14, wherein said at least one category of merchant includes grocery stores.

20. The method of claim 14, wherein said analyzing includes:

assigning a subset of said transaction data to said district based on respective locations of merchants represented in said subset of transaction data.