Systems and methods for providing recommendations to residential relocators

• US 9,754,289 B2
• Filed: 06/21/2016
• Issued: 09/05/2017
• Est. Priority Date: 02/12/2015
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Hosny, Ahmed
• Primary Examiner(s): FRANKLIN, JAMARA ALZAIDA
• Application Number:
  US15/188,599
• Publication Number:
  US 20160300267A1
• Time in Patent Office: 441 Days
• Field of Search: 235375
• CPC Class Codes: G06F 16/24575 using context
• CPC Class Codes: G06F 16/29 Geographical information databases
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/9537 Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0261 based on user location

Abstract

A method for determining a relocation recommendation for a relocating cardholder relocating from a first location to a target location is provided. The method is implemented using a relocation recommendation (RR) computing device in communication with a memory. The method includes receiving, from a cardholder device, a cardholder identifier for the relocating cardholder, and at least one of a general target area and the target location. The method also includes determining an area of interest for the relocating cardholder based at least in part on payment card transaction data at the first location, identifying at least one other cardholder having initiated payment card transactions within the target location and having the same area of interest as the relocating cardholder, determining at least one target merchant located within the target location that is associated with the area of interest, and transmitting, to the cardholder device, a relocation recommendation.

Claims

1. A method for determining a relocation recommendation for a relocating cardholder relocating from a first location to a target location, the method implemented using a relocation recommendation (RR) computing device in communication with a memory, said method comprising:

receiving a cardholder identifier for the relocating cardholder, and at least one of a general target area and the target location;

identifying at least one comparison cardholder having initiated payment card transactions within the target location and involving items purchased that are comparable to items purchased by the relocating cardholder;

determining at least one target merchant located within the target location, the at least one target merchant having sold at least one comparable item to the at least one comparison cardholder; and

transmitting, to a relocating cardholder device, a relocation recommendation including a name and a location of the at least one target merchant to the relocating cardholder.

2. A method in accordance with claim 1, further comprising:

generating a cardholder profile including the cardholder identifier for the relocating cardholder;

storing the cardholder profile in the memory; and

assigning an area of interest to the cardholder profile.

3. A method in accordance with claim 1, further comprising assigning the area of interest to the at least one target merchant.

4. A method in accordance with claim 1, further comprising:

retrieving transaction data associated with a transaction initiated by the relocating cardholder with a first location merchant at the first location; and

generating a probability variable representing a probability that the relocating cardholder purchased an item corresponding to the area of interest.

5. A method in accordance with claim 4, further comprising determining that the transaction is initiated using one or more of an expired payment card and a linked payment card, wherein the linked payment card is a card in use by a family member of the cardholder, and wherein the linked payment card is associated with a payment account of the cardholder.

6. A method in accordance with claim 1, wherein identifying the at least one comparison cardholder at the target location comprises identifying that the at least one comparison cardholder has relocated from the first location to the target location within a predetermined time period.

7. A method in accordance with claim 1, further comprising:

retrieving third party data from a third party database;

identifying at least one item identifier from the third party database by comparing transaction data for the relocating cardholder with the third party data; and

identifying that the target merchant offers at least one of a good and a service associated with the at least one item identifier; and

transmitting, to the cardholder computing device, a relocation recommendation including the target merchant.

8. A system for providing recommendations to a relocating cardholder relocating from a first location to a target location, the system comprising:

a database configured to store transaction data, cardholder data, and recommendation data; and

a relocation recommendation (RR) computing device configured to be coupled to the database, the RR computing device further configured to;

receive a cardholder identifier for the relocating cardholder, and at least one of a general target area and the target location;

identify at least one comparison cardholder having initiated payment card transactions within the target location and involving items purchased that are comparable to items purchased by the relocating cardholder;

determine at least one target merchant located within the target location, the at least one target merchant having sold at least one comparable item to the at least one comparison cardholder; and

transmit, to a relocating cardholder device, a relocation recommendation including a name and a location of the at least one target merchant to the relocating cardholder.

9. A system in accordance with claim 8, wherein the RR computing device is further configured to:

generate a cardholder profile for the relocating cardholder;

store the cardholder profile in the memory; and

assign an area of interest to the cardholder profile.

10. A system in accordance with claim 8, wherein the RR computing device is further configured to assign the area of interest to the at least one target merchant.

11. A system in accordance with claim 8, wherein the RR computing device is further configured to:

retrieve transaction data associated with a transaction initiated by the relocating cardholder with a first location merchant at the first location; and

generate a probability variable representing a probability that the relocating cardholder purchased an item corresponding to the area of interest.

12. A system in accordance with claim 11, wherein the RR computing device is further configured to determine that transaction is initiated using one or more of an expired payment card and a linked payment card, wherein the linked payment card is a card in use by a family member of the cardholder, and wherein the linked payment card is associated with a payment account of the cardholder.

13. A system in accordance with claim 8, wherein the RR computing device is further configured to identify that the at least one cardholder has relocated from the first location to the target location within a predetermined time period.

14. A system in accordance with claim 8, wherein the RR computing device is further configured to:

retrieve third party data from a third party database;

identify at least one item identifier from the third party database by comparing transaction data for the relocating cardholder with the third party data; and

identify that the target merchant offers at least one of a good and a service associated with the at least one item identifier; and

transmit, to the cardholder computing device, a relocation recommendation including the target merchant.

15. A non-transitory computer readable medium that includes computer executable instructions for providing recommendations to a relocating cardholder relocating from a first location to a target location, wherein when executed by a relocation recommendation (RR) computing device, the computer executable instructions cause the RR computing device to:

receive a cardholder identifier for the relocating cardholder, and at least one of a general target area and the target location;

identify at least one comparison cardholder having initiated payment card transactions within the target location and involving items purchased that are comparable to items purchased by the relocating cardholder;

determine at least one target merchant located within the target location, the at least one target merchant having sold at least one comparable item to the at least one comparison cardholder; and

transmit, to a relocating cardholder device, a relocation recommendation including a name and a location of the at least one target merchant to the relocating cardholder.

16. A non-transitory computer readable medium in accordance with claim 15, wherein the computer executable instructions cause the RR computing device to:

generate a cardholder profile including the cardholder identifier for the relocating cardholder;

store the cardholder profile in the memory; and

assign an area of interest to the cardholder profile.

17. A non-transitory computer readable medium in accordance with claim 15, wherein the computer executable instructions cause the RR computing device to:

retrieve transaction data associated with a transaction initiated by the relocating cardholder with a first location merchant at the first location; and

generate a probability variable representing a probability that the relocating cardholder purchased an item corresponding to the area of interest.

18. A non-transitory computer readable medium in accordance with claim 17, wherein computer executable instructions cause the RR computing device to determine the transaction is initiated using one or more of an expired payment card and a linked payment card, wherein the linked payment card is a card in use by a family member of the cardholder, and wherein the linked payment card is associated with a payment account of the cardholder.

19. A non-transitory computer readable medium in accordance with claim 15, wherein the computer executable instructions cause the RR computing device to identify that the at least one cardholder has relocated from the first location to the target location within a predetermined time period.

20. A non-transitory computer readable medium in accordance with claim 15, wherein when executed by a relocation recommendation (RR) computing device, the computer executable instructions cause the RR computing device to:

retrieve third party data from a third party database;

identify at least one item identifier from the third party database by comparing transaction data for the relocating cardholder with the third party data; and

identify that the target merchant offers at least one of a good and a service associated with the at least one item identifier; and

transmit, to the cardholder computing device, a relocation recommendation including the target merchant.