Patent application number | Description | Published |
20150039390 | MOBILE MARKETING AND TARGETING USING PURCHASE TRANSACTION DATA - A method for making a targeted offer by a telecommunication entity to an audience is provided. The method involves receiving from the telecommunication entity a first set of information including billing activities attributable to the telecommunication entity and payment activities attributable to the audience, by a financial transaction processing entity; retrieving by the financial transaction processing entity a second set of information including billing activities attributable to the financial transaction processing entity and purchasing and payment activities attributable to the audience; and generating one or more predictive behavioral models based at least in part on the first set and second set of information. The method also involves identifying activities and characteristics attributable to the audience based on the predictive behavioral models, and conveying those to the telecommunication entity. A system for making a targeted offer by a telecommunication entity to an audience is also provided. | 02-05-2015 |
20150046220 | PREDICTIVE MODEL OF TRAVEL INTENTIONS USING PURCHASE TRANSACTION DATA METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to predict travel intentions of a payment cardholder based on transaction payment card purchases. | 02-12-2015 |
20150046302 | TRANSACTION LEVEL MODELING METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable transaction level modeling of payment card use. | 02-12-2015 |
20150066584 | SYSTEM AND METHOD FOR ACQUIRING AN UNDERSTANDING OF A BUSINESS SEGMENT - A method for acquiring an understanding a business segment is provided. The method comprises: storing in an electronic storage device a database of information in which the information is generated from at least four linked data sources including a firmographics data source, a risk data source, a transaction behavior data source, and an attitudinal data source; accessing information in the database concerning the business segment; and assembling the information concerning the business segment. The information from one or more of the linked data sources is summarized to a link, at least some of the information is integrated by data fusion, and at least some of the integrated information is imputed via the link to the business segment. The method also provides the assembled information to a user that has been granted access to the database. A system for acquiring an understanding of a business segment is also provided. | 03-05-2015 |
20150066651 | Method and System for Secure Mobile Payment Processing and Data Analytics - A method for processing payment transactions includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a combined identifier and at least two payment account identifiers; receiving an authorization request for a payment transaction originating from a point of sale device, wherein the authorization request includes at least a combined identification; identifying a specific consumer profile where the included combined identifier corresponds to the combined identification; transmitting at least the at least two payment account identifiers included in the specific consumer profile to the point of sale device; receiving an indication of one of the at least two payment account identifiers from the point of salve device; updating the authorization request to include at least the indicated one of the at least two payment account identifiers; and transmitting the updated authorization request. | 03-05-2015 |
20150066729 | SYSTEM AND METHOD FOR CURRENCY EXCHANGE RATE FORECASTING - A method for forecasting currency exchange rate is provided. The method involves: providing one or more databases configured to store a first set of information comprising microeconomic information that includes at least payment card holder transaction information; providing one or more databases configured to store a second set of information comprising macroeconomic information; and providing one or more databases configured to store a third set of information comprising foreign exchange market (Forex) information. The method also involves generating, from the first set of information, payment card holder transaction based variables in different currencies for comparable goods and/or services; integrating the payment card holder transaction based variables in different currencies, generated from the first set of information, with the second set of information and the third set of information; and forecasting the currency exchange rate based on the integrated information using a forecasting model that includes exogenous covariates, on a currency exchange time series. A system for forecasting currency exchange rate is also provided. | 03-05-2015 |
20150066743 | SYSTEM AND METHOD FOR SOCIALLY CONNECTING PAYMENT CARD HOLDERS - A method for socially connecting payment card holders is provided. The method involves providing one or more databases configured to store payment card holder information including at least purchasing and payment activities attributable to the payment card holders; providing one or more databases configured to store payment card holder profiles; generating the payment card holder profiles based on the payment card holder information; providing the payment card holder profiles to payment card holders that have been granted access to the one or more databases configured to store the payment card holder profiles; and effecting targeted interaction between the payment card holders based at least in part on the payment card holder profiles. A system for socially connecting payment card holders is also provided. | 03-05-2015 |
20150095944 | TELEVISION ADVERTISING MESSAGE TARGETING ACCORDING TO SUBSCRIBER PURCHASING BEHAVIOR - A targeted television advertising system includes a modeling processor and an identification processor. The modeling processor is configured to model purchasing behavior of a selected television service subscriber using a payment card transaction database. The identification processor is configured to identify television advertising messages that may appeal to the selected television service subscriber based upon the modeled purchasing behavior. | 04-02-2015 |