Systems and Methods for Propensity Analysis and Validation
First Claim
1. A computer-implemented method, comprising:
- receiving, in a computing apparatus, a request from a client device identifying at least one user, the client device having activity data recording activities of the at least one user, the client device being capable of determining from the activity data a first value for a first propensity score of the at least one user;
determining, using the computing apparatus, a second value for the first propensity score based on transaction data recording payment transactions of the at least one user, wherein the transactions are different from the activities; and
responsive to the request identifying the at least one user, providing by the computing apparatus information to the client device based on the second value determined for the first propensity score of the at least one user.
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Abstract
In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; and a portal to receive a request from a client device over a network, the request including user data identifying at least one user. The client device has activity data recording activities of the user, and has the capability to determine from the activity data a first value for a first propensity score of the user. The computing apparatus further includes a score evaluator coupled to the data warehouse and the portal to determine a second value for the first propensity score based on transaction data recording payment transactions of the at least one user identified by the user data. The portal is configured to provide information based on the second value in response to the request.
598 Citations
20 Claims
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1. A computer-implemented method, comprising:
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receiving, in a computing apparatus, a request from a client device identifying at least one user, the client device having activity data recording activities of the at least one user, the client device being capable of determining from the activity data a first value for a first propensity score of the at least one user; determining, using the computing apparatus, a second value for the first propensity score based on transaction data recording payment transactions of the at least one user, wherein the transactions are different from the activities; and responsive to the request identifying the at least one user, providing by the computing apparatus information to the client device based on the second value determined for the first propensity score of the at least one user. - 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. A computer storage medium storing instructions which, when executed on a computer system, cause the computer system to perform a method, the method comprising:
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receiving a request from a client device identifying at least one user, the client device having activity data recording activities of the at least one user, the client device being capable of determining from the activity data a first value for a first propensity score of the at least one user; determining a second value for the first propensity score based on transaction data recording payment transactions of the at least one user, wherein the transactions are different from the activities; and responsive to the request identifying the at least one user, providing information to the client device based on the second value determined for the first propensity score of the at least one user.
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20. A system, comprising:
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a transaction handler to process transactions, each of the transactions being processed to make a payment from an issuer to an acquirer via the transaction handler in response to an account identifier of a customer, as issued by the issuer, being submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the customer, the acquirer to receive the payment on behalf of the merchant; a data warehouse to store transaction data recording the transactions processed at the transaction handler; a portal to receive a request from a client device over a network, the request including user data identifying at least one user, the client device having activity data recording activities of the user, the client device being capable of determining from the activity data a first value for a first propensity score of the user; and a score evaluator coupled to the data warehouse and the portal to determine a second value for the first propensity score based on transaction data recording payment transactions of the at least one user identified by the user data, wherein the portal is to provide information based on the second value in response to the request.
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Specification