Systems and methods for generating an affinity graph

US10909553B1 · kind B1 · utility

Assignee

• JPMORGAN CHASE BANK, N.A. · US

Inventors

• Benjamin Schulte · Brooklyn, US
• Gavin C. Michael · New York, US
• Abhijit Bose · Ann Arbor, US
• Matthew Benson Lightman · New York, US
• Vijay Pappu · Bayonne, US
• John Maiden · Bloomfield, US

Key dates

• Filing date: Oct 8, 2015
• Grant date: Feb 2, 2021
• Expiry date: Aug 26, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0201
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods for generating an affinity graph are disclosed. According to one embodiment, a method may include (1) receiving customer data for a plurality of customers and merchant data for a plurality of merchants; (2) generating an initial customer table for each customer from the customer data; (3) generating an initial merchant table for each merchant from the merchant data; (4) receiving transaction data from a plurality of sources; (5) enhancing the initial customer tables and the initial merchant tables; (7) associating each customer and each merchant with at least one attribute based on the enhanced customer tables and the enhanced merchant tables; (8) determining an attribute score for each attribute; and (9) determining an affinity for one of the plurality of customers based on the attribute score for an attribute that is common to the one customer and another one of the plurality of customers.