METHOD AND SYSTEM FOR INDEXING SPEND PATTERNS OF CROSS BORDER PAYMENT CARD HOLDERS
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United States of America Patent
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Issued Date -
Jun 30, 2016
app pub date -
Dec 30, 2014
filing date -
Dec 30, 2014
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Abstract
A method and a system are provided for indexing purchasing and/or payment activities of cross border payment card holders. In particular, one or more indices are generated based on the purchasing and payment activities of the cross border payment card holders, the countries of origin of the cross border payment card holders, and the categories of merchants. Based on the one or more indices, purchasing and/or payment behavior of cross border payment card holders is assessed. The method includes retrieving a first set of information comprising payment card transaction information of a plurality of cross border payment card holders; optionally retrieving a second set of information comprising merchant information; generating one or more indices based on the first set of information and optionally the second set of information; and assessing purchasing and payment behavior of the plurality of cross border payment card holders based on the one or more indices.
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