SYSTEMS AND METHODS FOR IDENTIFYING CARDHOLDER STOCK-PILING BEHAVIOR

摘要

A computer-implemented method for identifying cardholder stock-piling behavior is implemented by a purchase analysis computer system in communication with a memory. The method includes retrieving at least one stock-piling profile used to identify transaction characteristics consistent with a stock-piling event wherein the stock-piling profile includes a plurality of ranges of expected cardholder transaction volumes associated with a plurality of categories of transactions, receiving a plurality of transaction data associated with the plurality of categories of transactions, determining an actual cardholder transaction volume for each of the plurality of categories of transactions, and identifying cardholder stock-piling behavior by comparing the actual cardholder transaction volume to the range of expected cardholder transaction volume for each of a plurality of categories of transactions.

主权项

1. A computer-implemented method for identifying cardholder stock-piling behavior, the method implemented by a purchase analysis computer system in communication with a memory, the method comprising:
retrieving at least one stock-piling profile used to identify transaction characteristics consistent with a stock-piling event wherein the stock-piling profile includes a plurality of ranges of expected cardholder transaction volumes associated with a plurality of categories of transactions; receiving a plurality of transaction data associated with the plurality of categories of transactions; determining, at the purchase analysis computer system, an actual cardholder transaction volume for each of the plurality of categories of transactions; and identifying cardholder stock-piling behavior by comparing the actual cardholder transaction volume to the range of expected cardholder transaction volume for each of a plurality of categories of transactions.