METHOD AND SYSTEM FOR TRANSACTION BASED PROFILING OF CUSTOMERS WITHIN A MERCHANT NETWORK

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United States of America Patent

APP PUB NO 20100301114A1
SERIAL NO

12783195

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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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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Patent Owner(s)

Patent OwnerAddress
MASTERCARD INTERNATIONAL INCORPORATED2000 PURCHASE STREET PURCHASE NY 10577

International Classification(s)

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  • 2010 Application Filing Year
  • G06K Class
  • 6323 Applications Filed
  • 4613 Patents Issued To-Date
  • 72.96 % Issued To-Date
Click to zoom InYear of Issuance% of Matters IssuedCumulative IssuancesYearly Issuances20102011201220132014201520162017201820192020202120222023202420250255075100

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Lo, Faro Walter F Chesterfield, US 19 125
Merz, Christopher J Wildwood, US 12 436

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  • 30 Citation Count
  • G06K Class
  • 57.18 % this patent is cited more than
  • 15 Age
Citation count rangeNumber of patents cited in rangeNumber of patents cited in various citation count ranges16358239141896540201812106401 - 1011 - 2021 - 3031 - 4041 - 5051 - 6061 - 7071 - 8081 - 9091 - 100100 +0100200300255075125150175225250275325350375400

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