Certain aspects of the present disclosure provide techniques for predicting a location based on transaction record data. An example technique includes obtaining a first set of transaction records and determining a merchant associated with each transaction record. The example further includes based on the merchant, determining and appending a branch identifier to each transaction record associated with the merchant to generate a first set of extended transaction records. The example further includes creating a consumption graph based on the first set of extended transaction records and determining an estimated location based on the consumption graph. The example further includes determining a precise point location based on the estimated location.