Inferred matching of payment card accounts by matching to common mobile device via time and location data analysis
US10032231B2 · kind B2 · utility
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21Claims
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Key dates
| Filing date | Oct 23, 2014 |
| Grant date | Jul 24, 2018 |
| Priority date | — |
| Expiry date | Mar 11, 2036 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q30/0269
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Payment card account transaction data sets and mobile device travel profiles are compared with each other to detect matches in terms of times and locations of use and/or presence. Such an analysis may link two or more payment card accounts to the same mobile device. Consequently, common ownership of the two or more payment card accounts may be reasonably inferred. Based on the inference of common ownership, marketing related analysis may be performed on a combined transaction data set that reflects transactions in both commonly owned payment card accounts.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.