SYSTEMS AND METHODS FOR DEVELOPING JOINT PREDICTIVE SCORES BETWEEN NON-PAYMENT SYSTEM MERCHANTS AND PAYMENT SYSTEMS THROUGH INFERRED MATCH MODELING SYSTEM AND METHODS
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United States of America Patent
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Issued Date -
Aug 6, 2015
app pub date -
Jan 31, 2014
filing date -
Jan 31, 2014
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Abstract
A method includes receiving a first data set and a second data set. The first data set may include anonymized transaction data that represents purchase transactions made by customers of a merchant. The second data set may include anonymized transaction data that represents purchase transactions made by cardholders in a payment network. The method further includes filtering the second data set to remove therefrom data relating to cardholders who are not customers of the merchant, and processing the first data set and the filtered second data set using a probabilistic engine to establish linkages between data in the first data set and data in the filtered second data set. The method may also include performing a predictive analysis based on one or more independent variables from the second data set and with a dependent variable represented in the first data set.
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