SYSTEMS AND METHODS FOR RECOMMENDATIONS FOR PURCHASES BASED ON ACCUMULATION OF PURCHASES DIFFERENTIATING BETWEEN LOCAL AND TOURISTS TRANSACTIONS

• US 20170372281A1
• Filed: 06/23/2016
• Published: 12/28/2017
• Est. Priority Date: 06/23/2016
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Genovez, Ruben Salazar, Smith, Eden, Cao, James, Mannion, Kellen, Xie, Qilu, Stephen, John
• Application Number:
  US15/191,502
• Publication Number:
  US 20170372281A1
• Time in Patent Office: Days
• CPC Class Codes: G06F 16/29 Geographical information databases
• CPC Class Codes: G06F 16/951 Indexing; Web crawling techniques
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

Using payment processing data on which cards transact at a merchant, a payment transaction service provider may determine whether cards used at a given merchant are being used within the card'"'"'s domicile or outside the domicile. When a card is used in domicile, that'"'"'s a “local” user. This allows the payment transaction service provider to inform on whether a merchant is visited primarily by tourists or primarily by locals. The payment transaction service provider may also derive whether someone is a ‘tourist’ card based on any recent hotel, car rental, or flight purchases in the same location as their purchase at a merchant.

Claims

1. An electronic system to interactively manage multiple parties to create a geocentric designator comprising:

a payment server comprising a memory, an input-output circuit and a processor physically configured according to computer executable instructions for;

receiving a plurality of transactions from a plurality of users, wherein the plurality of transactions comprises a billing address of each of the plurality of the transactions and each purchase address of each of the parties;

analyzing the plurality of transactions using an analysis module to, for the each purchase address of each of the parties, differentiate from the plurality of users one of more geocentric groups as a function of the billing address of each of the plurality of transactions and the each purchase address of each of the parties;

accumulating potential one or more geocentric groups for the each purchase address of the plurality of parties using an accumulation module;

for each of the parties, identifying, in response to accumulating, a group from the one or more geocentric groups to be associated with a party that satisfies a threshold geocentric value;

assigning by a designator module a geocentric designator to the party in response to the identified group for satisfying the threshold geocentric value;

a recommendation server comprising a memory, an input-output circuit and a processor physically configured according to computer executable instructions for;

at a query module, receiving from a user a geographic area request of each purchase address of the plurality of parties; and

based on the geocentric designator, providing, by the query module, to the user a result based on the plurality of parties in response to the received geographic area request.

2. The electronic system of claim 1, wherein the recommendation server is further configured to communicate to a portable computing device of the users the result.

3. The electronic system of claim 1, wherein the recommendation server is further configured to receive feedbacks on the geocentric designator from the users on the plurality of the parties in response to receiving the result, wherein the recommendation server is configured to update the geocentric designator in response to the received feedbacks.

4. The electronic system of claim 1, wherein the recommendation server is configured to receive information from other sources to update the geocentric designator for each of the plurality of parties.

5. The electronic system of claim 1, wherein the payment server, via the designator module, is configured to modify an identification associated with each of the plurality of the parties in response to assigning.

6. The electronic system of claim 1, wherein the recommendation server is further configured to provide offers to the users as a function of the result.

7. A computerized method for interactively managing multiple parties to create a geocentric designator comprising:

receiving, by a payment server, a plurality of transactions from a plurality of users, wherein the plurality of transactions comprises a billing address of each of the plurality of the transactions and each purchase address of each of the parties;

analyzing, by the payment server, the plurality of transactions to, for the each purchase address of each of the parties, differentiate from the plurality of users one of more geocentric groups as a function of the billing address of each of the plurality of transactions and the each purchase address of each of the parties;

accumulating, by the payment server, potential one or more geocentric groups for the each purchase address of the plurality of parties;

for each of the parties, identifying, by the payment server, in response to accumulating, a group from the one or more geocentric groups to be associated with a party that satisfies a threshold geocentric value;

assigning, by the payment server, a geocentric designator to the party in response to the identified group for satisfying the threshold geocentric value;

receiving, by a recommendation server being communicatively coupled to the payment server, from a user a geographic area request of each purchase address of the plurality of parties; and

based on the geocentric designator, providing, by the recommendation server, to the user a result based on the plurality of parties in response to the received geographic area request.

8. The computerized method of claim 7, further comprising providing a client software program product for installation on a portable computing device of the users for enabling the portable computing device to interface with the payment server and the recommendation server.

9. The computerized method of claim 8, further comprising communicating to the portable computing device of the users the result.

10. The computerized method of claim 7, further comprising receiving feedbacks on the geocentric designator from the users on the plurality of the parties in response to receiving the result.

11. The computerized method of claim 10, further comprising updating the geocentric designator in response to the received feedbacks.

12. The computerized method of claim 7, further comprising receiving additional information from other sources to update the geocentric designator for each of the plurality of parties.

13. The computerized method of claim 7, wherein assigning comprises modifying an identification associated with each of the plurality of the parties.

14. The computerized method of claim 7, further comprising providing offers to the users as a function of the result.

15. A computerized method for interactively managing multiple parties to create a geocentric designator comprising:

storing payment information related to a user on a memory of a portable computing device, said payment information including at least the following information;

information about the a payment device, and information about a first address of the payment device, information about receiving;

establishing a connection with a payment server via a payment processing network;

transmitting a geographical area request to the payment server, the geographical area request including information about a second address, said second address being different from the first address;

identifying a geocentric designator in a data packet received from the payment server as a result of processing the geographical area request by analyzing the first address to the second address; and

providing a result to the user on the portable computing device based on the identified geocentric designator.

16. The computerized method of claim 15, wherein transmitting comprises transmitting the geographical area request in response to receiving geographical data information of the portable computing device.

17. The computerized method of claim 16, further comprising determining the second address as a result of receiving the geographical data information of the portable computing device

18. The computerized method of claim 15, wherein identifying the geocentric designator comprises identifying the geocentric designator in an identification data field or in a designator data field in the data packet from the payment server.

19. The computerized method of claim 15, further comprising providing offers on the portable computing device to the user in response to the provided result.

20. The computerized method of claim 15, further comprising receiving feedbacks from the user on the portable computing device in response to the provided result.