Method and system for predicting future cardholder behavior
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United States of America Patent
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Oct 5, 2021
Grant Date -
Aug 15, 2019
app pub date -
Apr 26, 2019
filing date -
May 26, 2009
priority date (Note) -
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Abstract
A computer-based method for managing a profile for a cardholder is provided. The cardholder having an account associated with a payment card. The method includes electronically receiving, at the computer, transaction information for a cardholder for transactions with at least a first business entity and a second business entity, the transaction information including data representing each transaction initiated by the cardholder using the payment card and at least one subdivision within the first business entity, the transaction information further including data representing each transaction initiated by the cardholder using the payment card and the second business entity. The method also includes electronically storing the transaction information within the database, generating a profile of the stored transaction information for the cardholder, the profile including a type, a recency and a frequency of transactions initiated by the cardholder using the payment card and the at least one subdivision, grouping the cardholder into a single cluster with other cardholders registered within the payment card network based on the profile of the cardholder and the other cardholders, and outputting marketing information based on the cluster.
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