METHODS AND SYSTEMS FOR PREDICTING BUSINESS BEHAVIOR FROM PROFILING CONSUMER CARD TRANSACTIONS

摘要

A system and method are provided for predicting small business behavior by analysis of consumer payment card transaction data. Transaction and amount velocity analysis of industry categories and/or real-time transaction-based profiling is employed to identify those consumer payment card accounts that are being inappropriately used to make small business purchases. A small business behavior predictor model is used to score transaction data and update cardholder profiles according to the likelihood that the transaction data represents small business activity.