METHOD AND SYSTEM FOR DETERMINING CARD HOLDER PREFERENCE

摘要

A method for determining payment card holder preference of a merchant from a grouping of proximal merchant competitors is provided. The method includes retrieving a first set of information including purchasing and payment activity information attributable to payment card holder(s); retrieving a second set of information including merchant information; optionally retrieving a third set of information including external information; analyzing the second set of information and optionally the third set of information to generate grouping(s) of proximal merchant competitors; associating the purchasing and payment activity information attributable to the payment card holders and the groupings of proximal merchant competitors to generate predictive payment card holder profile(s); and determining payment card holder preference of a merchant from a grouping of proximal merchant competitors based on the predictive payment card holder profile(s). A system for determining payment card holder preference of a merchant from a grouping of proximal merchant competitors is also provided.

主权项

1. A method for determining payment card holder preference of a merchant from a grouping of proximal merchant competitors, the method comprising:
retrieving, from one or more databases, a first set of information including purchasing and payment activity information attributable to one or more payment card holders; retrieving, from one or more databases, a second set of information including merchant information associated with the purchasing and payment activity; optionally retrieving, from one or more databases, a third set of information including external information; analyzing the second set of information and optionally the third set of information to generate one or more groupings of proximal merchant competitors; associating the purchasing and payment activity information attributable to one or more payment card holders and the one or more groupings of proximal merchant competitors to generate one or more predictive payment card holder profiles; and determining payment card holder preference of the merchant from the grouping of proximal merchant competitors based on the one or more predictive payment card holder profiles.