Systems and methods for an analysis cycle to determine interest merchants

摘要

The method of processing an analysis cycle to determine interest merchants may include selecting a seed merchant relevant to a topic interest, identifying consumers that have completed a transaction with the seed merchant to generate a list of identified consumers, determining merchants visited by the identified consumers, scoring all the merchants based on network connectivity, activity, and merchant over-index, updating the seed merchant in response to the list of scored merchants relative to a scoring threshold, and scoring the list of identified consumers based on the number of distinct merchants in transaction and over-indexing. Additionally, the method may further comprise producing a list of updated interest merchants and a list of updated identified consumers, where the updated interest merchants and the updated identified consumers are relevant to the topic interest.

主权项

1. A method, comprising:
selecting, by a computer-based system configured for determining interest merchants, a seed merchant relevant to a topic interest to generate a seeded merchant list,
wherein the seed merchant and the seeded merchant list are associated with a keyword corresponding to a topic interest; identifying, by the computer-based system, consumers that have completed a transaction with the at least one seed merchant to generate a list of identified consumers; determining, by the computer-based system, merchants that have initiated a transaction with a transaction account associated with the identified consumers that do not correspond to the merchants of the seeded merchant list,
wherein the merchants are do not have an attribute that corresponds to the key word; scoring, by the computer-based system, the merchants based on at least one of network connectivity, activity, or merchant over index, wherein the scoring generates a list of scored merchants, wherein the scoring the merchants comprises individually calculating a preliminary merchant score and calculating a merchant interest network score (MINS) for each merchant, wherein theMINS=∑i=1I⁢⁢1⁢:⁢⁢(Ci,Mj)∈Tint/Size⁡(Cint)∑i=1I⁢⁢1⁢:⁢⁢(Ci,Mj)∈Ta/Size⁡(Ca), wherein the preliminary merchant score is based on a merchant network connectivity (MNC) and a merchant network activity (MNA), and wherein the MINS is based on a percentage of interest consumers with at least one transaction at the merchant relative to a percentage of all consumers with at least one transaction at the merchant; updating, by the computer-based system, the seeded merchant list in response to a comparison of the list of scored merchants relative to a scoring threshold,
wherein the updating the seeded merchant list comprises adding sufficiently scoring merchants and removing insufficiently scoring merchants from the seeded merchant list; scoring, by the computer-based system, the list of identified consumers based on at least one of a number of distinct merchants in transaction or merchant over-indexing; receiving, by the computer-based system and via a real time system, a request for a recommendation for a consumer via a mobile device of the consumer; creating, by the computer-based system and via the real time system, a list of recommended merchants based on the seed merchant list and in response to receiving the request; determining, by the computer-based system, a location of the consumer based on the request from the mobile device, wherein the request includes global positioning system data from the mobile device; adjusting, by the computer-based system and via the real time system, the seed merchant list in real time based on the location; and presenting, by the computer-based system, via the real time system and to the mobile device, the seed merchant list in response to adjusting the seed merchant list based on the location.