Mobile data mapping system and method

• US 8,732,042 B2
• Filed: 07/30/2012
• Issued: 05/20/2014
• 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
• Primary Examiner(s): Frenel, Vanel
• Application Number:
  US13/561,983
• Publication Number:
  US 20130198046A1
• Time in Patent Office: 659 Days
• Field of Search: 705/30, 705/14, 705/26.1, 705/35, 705/38, 705/67, 455/466, 235/379, 380/258, 707/600, 707/607
• 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, wherein analyzing the transaction data includes determining statistical data for the location included in the transaction data;

generating, by the server computer, a message based on the analysis, wherein the generated message includes the determined statistical data for the location included in the transaction data; 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 the determined statistical data for the location includes a determined transaction volume for the location.

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 the determined statistical data for the location includes a determined fraud rate for the location.

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, a clearing message, a 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. The method of claim 1, wherein the generated message includes a report that lists the determined statistical data for a plurality of locations.

11. The method of claim 1, further comprising:

electronically receiving an authorization request message corresponding to a transaction conducted at a mobile merchant, wherein the authorization request message includes the location, wherein the generated message includes an alert, and wherein the determined statistical data includes a fraud rate for the location.

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

12. 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, wherein analyzing the transaction data includes determining statistical data for the location included in the transaction data;

generating, by the server computer, a message based on the analysis, wherein the generated message includes the determined statistical data for the location included in the transaction data; and

electronically transmitting the message to a client device.

13. The server computer of claim 12, wherein the client device is associated with a mobile merchant.

15. The server computer of claim 12, wherein the determined statistical data for the location includes a determined transaction volume for the location.

16. The server computer of claim 15, 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.

17. The server computer of claim 12, wherein at least one of the one or more transactions is a fraudulent transaction.

18. The server computer of claim 17, wherein the determined statistical data for the location includes a determined fraud rate for the location, and wherein the generated message includes the fraud rate.

19. The server computer of claim 12, wherein the transaction data is included in one or more of an authorization request message, an authorization response message, a clearing message, a settlement message, and a chargeback message.

20. The server of computer of claim 12, wherein the server computer is located in a payment processing network configured to process electronic payment transactions and to provide clearing and settlement services.

21. 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, wherein analyzing the transaction data includes determining statistical data for the location included in the transaction data, wherein the server computer generates a message based on the analysis, and wherein the generated message includes the determined statistical data for the location included in the transaction data; and

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

22. The method of claim 21, wherein the client device is associated with a mobile merchant.

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

24. The method of claim 21, wherein the determined statistical data for the location includes a determined transaction volume for the location.

25. The method of claim 24, 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.

26. The method of claim 21, wherein at least one of the one or more transactions is a fraudulent transaction.

27. The method of claim 26, wherein the determined statistical data for the location includes a determined fraud rate for the location.

28. The method of claim 21, wherein the transaction data is included in one or more of an authorization request message, an authorization response message, a clearing message, a settlement message, and a chargeback message.

29. The method of claim 21, wherein the payment processing network is configured to process electronic payment transactions and to provide clearing and settlement services.