| 发明名称 |
METHOD AND SYSTEM FOR IDENTIFYING PAYMENT CARD HOLDER INTERESTS AND HOBBIES |
| 摘要 |
A method and a system are provided for identifying payment card holder hobbies or interests. The method includes retrieving from one or more databases a first set of information comprising payment card transaction information, payment card holder information and merchant information. The method further includes analyzing the first set of information to construct one or more groupings of merchants based on merchant line of business or merchant association with a hobby or interest; analyzing the first set of information to identify one or more payment card holder purchase behaviors; and associating the one or more payment card holder purchase behaviors with the one or more groupings of merchants to identify one or more payment card holder hobbies or interests. The method and system provide advantages in fraud prevention, and can also be used by merchants or businesses to better target customers or enhance existing customer relationships. |
| 申请公布号 |
US2016034916(A1) |
申请公布日期 |
2016.02.04 |
| 申请号 |
US201414446762 |
申请日期 |
2014.07.30 |
| 申请人 |
MASTERCARD INTERNATIONAL INCORPORATED |
发明人 |
Unser Kenny;Gerard Jean Pierre;Berntsson Kent Olof Niklas |
| 分类号 |
G06Q30/02;G06Q30/06 |
主分类号 |
G06Q30/02 |
| 代理机构 |
|
代理人 |
|
| 主权项 |
1. A method comprising:
retrieving from one or more databases a first set of information comprising payment card transaction information, payment card holder information and merchant information; analyzing the first set of information to construct one or more groupings of merchants based on merchant line of business or merchant association with a hobby or interest; analyzing the first set of information to identify one or more payment card holder purchase behaviors; and associating the one or more payment card holder purchase behaviors with the one or more groupings of merchants to identify one or more payment card holder hobbies or interests. |
| 地址 |
Purchase NY US |
