Systems and methods determining a merchant persona

US9361627B2 · kind B2 · utility

Assignee

• American Express Travel Related Services Company, Inc. · US

Inventors

• Ching-nu Chang · New York, US
• Lee Chau · New York, US
• Terrence Fischer · New York, US
• Anthony Mavromatis · Brooklyn, US

Key dates

• Filing date: Jan 4, 2013
• Grant date: Jun 7, 2016
• Expiry date: Jan 4, 2033

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q50/01
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

The method of processing an analysis cycle to determine interest merchants may include selecting a seed merchant relevant to a topic interest, identifying consumers that have completed a transaction with the seed merchant to generate a list of identified consumers, determining merchants visited by the identified consumers, scoring all the merchants based on network connectivity, activity, and merchant over-index, updating the seed merchant in response to the list of scored merchants relative to a scoring threshold, and scoring the list of identified consumers based on the number of distinct merchants in transaction and over-indexing. Additionally, the method may further comprise producing a list of updated interest merchants and a list of updated identified consumers, where the updated interest merchants and the updated identified consumers are relevant to the topic interest.