Systems and methods determining a merchant persona
First Claim
1. A method, comprising:
- creating, by a computer based system, a group containing a plurality of merchants based on a common trait within a time period,wherein the common trait includes at least one of a keyword association between the plurality of merchants, similar industry code, criteria of specific merchants, items sold by the merchants, merchant offers, merchant behaviors, or merchant transaction information,wherein the keyword association is contained in each of the names of the plurality of merchants,supplementing, by the computer based system, the group with additional merchants that did not include the keyword association, but the additional merchants include consumer activity over a predetermined threshold;
supplementing, by the computer based system, the group with consumer booster merchants, wherein the consumer booster merchants are connected with consumers associated with a topic;
determining, by the computer based system, a plurality of consumer transaction accounts that were used to initiate transactions at the plurality of merchants,assigning, by the computer based system, a score to each of the plurality of merchants based on connectivity, activity, common consumers and merchant over-index,wherein the merchant over-index includes a ratio of the consumers with the transactions at the merchant compared to a baseline population of the consumers,removing, by the computer based system and from the group, the merchants with the score below a threshold;
selecting, by the computer based system, an interest,wherein the interest is associated with a persona, andwherein at least one of the interest or the persona include parameters that define the at least one of the interest or the persona;
evaluating, by the computer based system, the group containing the plurality of merchants to determine a seed merchant based on the interest,wherein each of the plurality of merchants has a corresponding merchant profile that includes a plurality of attributes, andwherein the plurality of attributes are compared to the parameters associated with the at least one of the interest or the persona;
determining, by the computer based system, the seed merchant and a seed customer,wherein the seed merchant has the merchant profile with a first plurality of attributes that at least partially match the parameters associated with the at least one of the interest or the persona, andwherein the seed customer has a customer profile that includes a second plurality of attributes that at least partially match the parameters associated with the at least one of the interest or the persona;
determining, by the computer based system, a pool of merchants based on the seed merchant and the seed customer, the pool of merchants comprising a first subset of merchants that are associated with the seed merchant and a second subset of merchants of which the seed customer has transacted;
scoring, by the computer based system, the pool of merchants based on at least one of the connectivity, the activity, and the merchant over index associated with the data;
receiving, by the computer based system, a request for recommendations of merchants from a consumer based on the persona presented to the consumer;
detecting, by the computer based system, a location of the consumer in response to the receiving the request for recommendation,wherein the location is determined by a real time system based on the location of a mobile device where the request for recommendation originated;
monitoring, by the computer based system and via the real time system, the location of the consumer;
adjusting, in real time and by the computer based system via the real time system, a list of recommended merchants associated with the persona based on the monitoring the location of the consumer;
adjusting, in real time and by the computer based system via the real time system, the list of recommended merchants associated with the persona based on a time of day;
adjusting, in real time and by the computer based system via the real time system, the list of recommended merchants associated with the persona based on a percentage of the transactions at a meal-time exceeding a percentage of overall transactions;
presenting, by the computer based system and via the real time system and to the mobile device, the list of recommended merchants in response to the adjusting based on the location, the adjusting based on the time of day and the adjusting based on the transactions at a given meal-time; and
associating, by the computer based system, a consumer profile with the persona and in response to the request for recommendations of the merchants from the consumer profile.
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Accused Products
Abstract
The method of processing an analysis cycle to determine interest merchants may include selecting a seed merchant relevant to a topic interest, identifying consumers that have completed a transaction with the seed merchant to generate a list of identified consumers, determining merchants visited by the identified consumers, scoring all the merchants based on network connectivity, activity, and merchant over-index, updating the seed merchant in response to the list of scored merchants relative to a scoring threshold, and scoring the list of identified consumers based on the number of distinct merchants in transaction and over-indexing. Additionally, the method may further comprise producing a list of updated interest merchants and a list of updated identified consumers, where the updated interest merchants and the updated identified consumers are relevant to the topic interest.
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Citations
20 Claims
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1. A method, comprising:
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creating, by a computer based system, a group containing a plurality of merchants based on a common trait within a time period, wherein the common trait includes at least one of a keyword association between the plurality of merchants, similar industry code, criteria of specific merchants, items sold by the merchants, merchant offers, merchant behaviors, or merchant transaction information, wherein the keyword association is contained in each of the names of the plurality of merchants, supplementing, by the computer based system, the group with additional merchants that did not include the keyword association, but the additional merchants include consumer activity over a predetermined threshold; supplementing, by the computer based system, the group with consumer booster merchants, wherein the consumer booster merchants are connected with consumers associated with a topic; determining, by the computer based system, a plurality of consumer transaction accounts that were used to initiate transactions at the plurality of merchants, assigning, by the computer based system, a score to each of the plurality of merchants based on connectivity, activity, common consumers and merchant over-index, wherein the merchant over-index includes a ratio of the consumers with the transactions at the merchant compared to a baseline population of the consumers, removing, by the computer based system and from the group, the merchants with the score below a threshold; selecting, by the computer based system, an interest, wherein the interest is associated with a persona, and wherein at least one of the interest or the persona include parameters that define the at least one of the interest or the persona; evaluating, by the computer based system, the group containing the plurality of merchants to determine a seed merchant based on the interest, wherein each of the plurality of merchants has a corresponding merchant profile that includes a plurality of attributes, and wherein the plurality of attributes are compared to the parameters associated with the at least one of the interest or the persona; determining, by the computer based system, the seed merchant and a seed customer, wherein the seed merchant has the merchant profile with a first plurality of attributes that at least partially match the parameters associated with the at least one of the interest or the persona, and wherein the seed customer has a customer profile that includes a second plurality of attributes that at least partially match the parameters associated with the at least one of the interest or the persona; determining, by the computer based system, a pool of merchants based on the seed merchant and the seed customer, the pool of merchants comprising a first subset of merchants that are associated with the seed merchant and a second subset of merchants of which the seed customer has transacted; scoring, by the computer based system, the pool of merchants based on at least one of the connectivity, the activity, and the merchant over index associated with the data; receiving, by the computer based system, a request for recommendations of merchants from a consumer based on the persona presented to the consumer; detecting, by the computer based system, a location of the consumer in response to the receiving the request for recommendation, wherein the location is determined by a real time system based on the location of a mobile device where the request for recommendation originated; monitoring, by the computer based system and via the real time system, the location of the consumer; adjusting, in real time and by the computer based system via the real time system, a list of recommended merchants associated with the persona based on the monitoring the location of the consumer; adjusting, in real time and by the computer based system via the real time system, the list of recommended merchants associated with the persona based on a time of day; adjusting, in real time and by the computer based system via the real time system, the list of recommended merchants associated with the persona based on a percentage of the transactions at a meal-time exceeding a percentage of overall transactions; presenting, by the computer based system and via the real time system and to the mobile device, the list of recommended merchants in response to the adjusting based on the location, the adjusting based on the time of day and the adjusting based on the transactions at a given meal-time; and associating, by the computer based system, a consumer profile with the persona and in response to the request for recommendations of the merchants from the consumer profile. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer based system, cause the computer based system to perform operations comprising:
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creating, by the computer based system, a group containing a plurality of merchants based on a common trait within a time period, wherein the common trait includes at least one of a keyword association between the plurality of merchants, similar industry code, criteria of specific merchants, items sold by the merchants, merchant offers, merchant behaviors, or merchant transaction information, wherein the keyword association is contained in each of the names of the plurality of merchants, supplementing, by the computer based system, the group with additional merchants that did not include the keyword association, but the additional merchants include consumer activity over a predetermined threshold; supplementing, by the computer based system, the group with consumer booster merchants, wherein the consumer booster merchants are connected with consumers associated with a topic; determining, by the computer based system, a plurality of consumer transaction accounts that were used to initiate transactions at the plurality of merchants, assigning, by the computer based system, a score to each of the plurality of merchants based on connectivity, activity, common consumers and merchant over-index, wherein the merchant over-index includes a ratio of the consumers with the transactions at the merchant compared to a baseline population of the consumers, removing, by the computer based system and from the group, the merchants with the score below a threshold; selecting, by the computer based system, an interest, wherein the interest is associated with a persona, and wherein at least one of the interest or the persona include parameters that define the at least one of the interest or the persona; evaluating, by the computer based system, the group containing the plurality of merchants to determine a seed merchant based on the interest, wherein each of the plurality of merchants has a corresponding merchant profile that includes a plurality of attributes, and wherein the plurality of attributes are compared to the parameters associated with the at least one of the interest or the persona; determining, by the computer based system, the seed merchant and a seed customer, wherein the seed merchant has the merchant profile with a first plurality of attributes that at least partially match the parameters associated with the at least one of the interest or the persona, and wherein the seed customer has a customer profile that includes a second plurality of attributes that at least partially match the parameters associated with the at least one of the interest or the persona; determining, by the computer based system, a pool of merchants based on the seed merchant and the seed customer, the pool of merchants comprising a first subset of merchants that are associated with the seed merchant and a second subset of merchants of which the seed customer has transacted; scoring, by the computer based system, the pool of merchants based on at least one of the connectivity, the activity, and the merchant over index associated with the data; receiving, by the computer based system, a request for recommendations of merchants from a consumer based on the persona presented to the consumer; detecting, by the computer based system, a location of the consumer in response to the receiving the request for recommendation, wherein the location is determined by a real time system based on the location of a mobile device where the request for recommendation originated; monitoring, by the computer based system and via the real time system, the location of the consumer; adjusting, in real time and by the computer based system via the real time system, a list of recommended merchants associated with the persona based on the monitoring the location of the consumer; adjusting, in real time and by the computer based system via the real time system, the list of recommended merchants associated with the persona based on a time of day; adjusting, in real time and by the computer based system via the real time system, the list of recommended merchants associated with the persona based on a percentage of the transactions at a meal-time exceeding a percentage of overall transactions; presenting, by the computer based system and via the real time system and to the mobile device, the list of recommended merchants in response to the adjusting based on the location, the adjusting based on the time of day and the adjusting based on the transactions at a given meal-time; and associating, by the computer based system, a consumer profile with the persona and in response to the request for recommendations of the merchants from the consumer profile.
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20. A system comprising:
a processor, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising; creating, by the processor, a group containing a plurality of merchants based on a common trait within a time period, wherein the common trait includes at least one of a keyword association between the plurality of merchants, similar industry code, criteria of specific merchants, items sold by the merchants, merchant offers, merchant behaviors, or merchant transaction information, wherein the keyword association is contained in each of the names of the plurality of merchants, supplementing, by the processor, the group with additional merchants that did not include the keyword association, but the additional merchants include consumer activity over a predetermined threshold; supplementing, by the processor, the group with consumer booster merchants, wherein the consumer booster merchants are connected with consumers associated with a topic; determining, by the processor, a plurality of consumer transaction accounts that were used to initiate transactions at the plurality of merchants, assigning, by the processor, a score to each of the plurality of merchants based on connectivity, activity, common consumers and merchant over-index, wherein the merchant over-index includes a ratio of the consumers with the transactions at the merchant compared to a baseline population of the consumers, removing, by the processor and from the group, the merchants with the score below a threshold; selecting, by the processor, an interest, wherein the interest is associated with a persona, and wherein at least one of the interest or the persona include parameters that define the at least one of the interest or the persona; evaluating, by the processor, the group containing the plurality of merchants to determine a seed merchant based on the interest, wherein each of the plurality of merchants has a corresponding merchant profile that includes a plurality of attributes, and wherein the plurality of attributes are compared to the parameters associated with the at least one of the interest or the persona; determining, by the processor, the seed merchant and a seed customer, wherein the seed merchant has the merchant profile with a first plurality of attributes that at least partially match the parameters associated with the at least one of the interest or the persona, and wherein the seed customer has a customer profile that includes a second plurality of attributes that at least partially match the parameters associated with the at least one of the interest or the persona; determining, by the processor, a pool of merchants based on the seed merchant and the seed customer, the pool of merchants comprising a first subset of merchants that are associated with the seed merchant and a second subset of merchants of which the seed customer has transacted; scoring, by the processor, the pool of merchants based on at least one of the connectivity, the activity, and the merchant over index associated with the data; receiving, by the processor, a request for recommendations of merchants from a consumer based on the persona presented to the consumer; detecting, by the processor, a location of the consumer in response to the receiving the request for recommendation, wherein the location is determined by a real time system based on the location of a mobile device where the request for recommendation originated; monitoring, by the processor and via the real time system, the location of the consumer; adjusting, in real time and by the processor via the real time system, a list of recommended merchants associated with the persona based on the monitoring the location of the consumer; adjusting, in real time and by the processor via the real time system, the list of recommended merchants associated with the persona based on a time of day; adjusting, in real time and by the processor via the real time system, the list of recommended merchants associated with the persona based on a percentage of the transactions at a meal-time exceeding a percentage of overall transactions; presenting, by the processor and via the real time system and to the mobile device, the list of recommended merchants in response to the adjusting based on the location, the adjusting based on the time of day and the adjusting based on the transactions at a given meal-time; and associating, by the processor, a consumer profile with the persona and in response to the request for recommendations of the merchants from the consumer profile.
Specification