WO2011049872A3 - Systems and methods to provide intelligent analytics to cardholders and merchants - Google Patents

Systems and methods to provide intelligent analytics to cardholders and merchants Download PDF

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Publication number
WO2011049872A3
WO2011049872A3 PCT/US2010/053061 US2010053061W WO2011049872A3 WO 2011049872 A3 WO2011049872 A3 WO 2011049872A3 US 2010053061 W US2010053061 W US 2010053061W WO 2011049872 A3 WO2011049872 A3 WO 2011049872A3
Authority
WO
WIPO (PCT)
Prior art keywords
cardholders
merchants
systems
methods
data warehouse
Prior art date
Application number
PCT/US2010/053061
Other languages
French (fr)
Other versions
WO2011049872A2 (en
Inventor
Edward W. Fordyce Iii
Michelle Eng Winters
Leigh Amaro
Original Assignee
Visa U.S.A. Inc.
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 U.S.A. Inc. filed Critical Visa U.S.A. Inc.
Publication of WO2011049872A2 publication Critical patent/WO2011049872A2/en
Publication of WO2011049872A3 publication Critical patent/WO2011049872A3/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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/384—Payment protocols; Details thereof using social networks
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0226—Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F9/00—Details other than those peculiar to special kinds or types of apparatus
    • G07F9/001—Interfacing with vending machines using mobile or wearable devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F9/00—Details other than those peculiar to special kinds or types of apparatus
    • G07F9/009—User recognition or proximity detection

Abstract

In one aspect, a computing apparatus includes: a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed by the transaction handler, a portal coupled with the data warehouse to receive one or more parameters as an input and to provide spending activity information for presentation as a response to the input, and an analytics engine coupled with the portal and the data warehouse to analyze spending activities of a user based on the transaction data and the one or more parameters to generate the spending activity information regarding transactions in a plurality of accounts of the user.
PCT/US2010/053061 2009-10-19 2010-10-18 Systems and methods to provide intelligent analytics to cardholders and merchants WO2011049872A2 (en)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US25302909P 2009-10-19 2009-10-19
US61/253,029 2009-10-19
US12/905,954 US20110093324A1 (en) 2009-10-19 2010-10-15 Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants
US12/905,954 2010-10-15

Publications (2)

Publication Number Publication Date
WO2011049872A2 WO2011049872A2 (en) 2011-04-28
WO2011049872A3 true WO2011049872A3 (en) 2011-09-29

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2010/053061 WO2011049872A2 (en) 2009-10-19 2010-10-18 Systems and methods to provide intelligent analytics to cardholders and merchants

Country Status (2)

Country Link
US (3) US20110093324A1 (en)
WO (1) WO2011049872A2 (en)

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