METHODS AND SYSTEMS FOR DETERMINING A LOYALTY PROFILE FOR A FINANCIAL TRANSACTION CARDHOLDER
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United States of America Patent
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Issued Date -
Dec 10, 2009
app pub date -
Jun 5, 2009
filing date -
Jun 9, 2008
priority date (Note) -
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Abstract
A computer-based method and system for determining a loyalty profile for a cardholder is provided. The cardholder having an account associated with a payment card. The payment card is issued by an issuer to the cardholder. The method is performed using a computer coupled to a database. The method includes electronically receiving transaction information of the cardholder at the computer wherein the transaction information includes data representing each transaction initiated by the cardholder and associated with the cardholder account, electronically storing the transaction information within the database, and transforming the transaction information at the computer to generate the loyalty profile for the cardholder wherein the loyalty profile represents a pattern of usage of the payment card and the associated account by the cardholder.
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