METHOD AND SYSTEM FOR DETERMINING CARD HOLDER PREFERENCE
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United States of America Patent
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Issued Date -
Jan 14, 2016
app pub date -
Jul 11, 2014
filing date -
Jul 11, 2014
priority date (Note) -
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Abstract
A method for determining payment card holder preference of a merchant from a grouping of proximal merchant competitors is provided. The method includes retrieving a first set of information including purchasing and payment activity information attributable to payment card holder(s); retrieving a second set of information including merchant information; optionally retrieving a third set of information including external information; analyzing the second set of information and optionally the third set of information to generate grouping(s) of proximal merchant competitors; associating the purchasing and payment activity information attributable to the payment card holders and the groupings of proximal merchant competitors to generate predictive payment card holder profile(s); and determining payment card holder preference of a merchant from a grouping of proximal merchant competitors based on the predictive payment card holder profile(s). A system for determining payment card holder preference of a merchant from a grouping of proximal merchant competitors is also provided.
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