| 摘要 |
A method for intelligently aggregating payment transactions based on consumer trustworthiness includes: storing an account profile, the profile including data related to a consumer including an account identifier, payment details, and a trustworthiness score; identifying a period of time for transaction aggregation based on the trustworthiness score included in the account profile; receiving transaction data for a plurality of payment transactions, the transaction data for each transaction including the account identifier, a transaction amount, and a transaction time and/or date; aggregating the transaction amount included in the transaction data in each payment transaction of the plurality of payment transactions where the included transaction time and/or date is within the identified period of time; and transmitting the aggregated transaction amount and the payment details included in the account profile for use in processing an aggregated payment transaction. |
| 主权项 |
1. A method for intelligently aggregating payment transactions based on consumer trustworthiness, comprising:
storing, in an account database, an account profile, wherein the account profile includes data related to a consumer including at least an account identifier, payment details, and a trustworthiness score; identifying, by a processing device, a period of time for transaction aggregation based on at least the trustworthiness score included in the account profile; receiving, by a receiving device, transaction data for a plurality of payment transactions, wherein the transaction data for each payment transaction of the plurality of payment transactions includes at least the account identifier, a transaction amount, and a transaction time and/or date; aggregating, by the processing device, the transaction amount included in the transaction data in each payment transaction of the plurality of payment transactions where the included transaction time and/or date is within the identified period of time; and transmitting, by a transmitting device, at least the aggregated transaction amount and the payment details included in the account profile for use in processing an aggregated payment transaction. |
