WO2010141255A3 - Cardholder clusters - Google Patents

Cardholder clusters Download PDF

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Publication number
WO2010141255A3
WO2010141255A3 PCT/US2010/035951 US2010035951W WO2010141255A3 WO 2010141255 A3 WO2010141255 A3 WO 2010141255A3 US 2010035951 W US2010035951 W US 2010035951W WO 2010141255 A3 WO2010141255 A3 WO 2010141255A3
Authority
WO
WIPO (PCT)
Prior art keywords
account
avd
frd
input variable
calculated
Prior art date
Application number
PCT/US2010/035951
Other languages
French (fr)
Other versions
WO2010141255A2 (en
Inventor
Ryan Jolley
Charles Byce
Abdul Nur Ghani
Original Assignee
Visa International Service Association
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa International Service Association filed Critical Visa International Service Association
Publication of WO2010141255A2 publication Critical patent/WO2010141255A2/en
Publication of WO2010141255A3 publication Critical patent/WO2010141255A3/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Abstract

A system and method of using transaction data for a population of account holders, such as credit card holders, is described. A frequency distribution input variable (Frd) and average amount distribution input variable (Avd) are calculated for each account and each merchant category. The Frd and Avd, either alone or in conjunction with each other, are used to assign accounts to clusters as well as calculate factors for factor analysis. The assigned cluster and calculated factors for each account are both used for further processing, such for as selecting accounts to which advertising materials will be sent or determining a surrogate account for a control group.
PCT/US2010/035951 2009-06-01 2010-05-24 Cardholder clusters WO2010141255A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US18280609P 2009-06-01 2009-06-01
US61/182,806 2009-06-01
US12/537,566 2009-08-07
US12/537,566 US20100306029A1 (en) 2009-06-01 2009-08-07 Cardholder Clusters

Publications (2)

Publication Number Publication Date
WO2010141255A2 WO2010141255A2 (en) 2010-12-09
WO2010141255A3 true WO2010141255A3 (en) 2011-02-24

Family

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Family Applications (2)

Application Number Title Priority Date Filing Date
PCT/US2010/035951 WO2010141255A2 (en) 2009-06-01 2010-05-24 Cardholder clusters
PCT/US2010/036076 WO2010141270A2 (en) 2009-06-01 2010-05-25 Systems and methods to summarize transaction data

Family Applications After (1)

Application Number Title Priority Date Filing Date
PCT/US2010/036076 WO2010141270A2 (en) 2009-06-01 2010-05-25 Systems and methods to summarize transaction data

Country Status (2)

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US (2) US20100306029A1 (en)
WO (2) WO2010141255A2 (en)

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