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    Systems and methods determining a merchant persona
    2.
    发明授权
    Systems and methods determining a merchant persona 有权
    确定商家人物的系统和方法

    公开(公告)号：US09361627B2

    公开(公告)日：2016-06-07

    申请号：US13734693

    申请日：2013-01-04

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Ching-nu Chang ,  Lee Chau ,  Terrence Fischer ,  Anthony Harry Mavromatis

    IPC分类号： G06Q10/00 ,  G06Q30/02

    CPC分类号： G06Q30/0631 ,  G06Q30/0201 ,  G06Q30/0204 ,  G06Q30/0255 ,  G06Q50/01

    摘要： 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.

    摘要翻译： 处理分析周期以确定兴趣商家的方法可以包括选择与主题兴趣相关的种子商家，识别已经与种子商家完成交易的消费者以产生已识别消费者的列表，确定由所识别的消费者访问的商家， 基于网络连接性，活动和商家过度索引对所有商家进行评分，响应于得分商家的列表相对于得分阈值更新种子商家，并基于不同商家的数量对所识别的消费者列表进行评分 交易和超索引。 另外，该方法还可以包括生成更新的兴趣商家的列表以及更新的所识别的消费者的列表，其中更新的兴趣商家和更新的识别的消费者与主题兴趣相关。

    System and Method for an Estimated Consumer Price
    3.
    发明申请
    System and Method for an Estimated Consumer Price 审中-公开
    估计消费者价格的制度和方法

    公开(公告)号：US20160071122A1

    公开(公告)日：2016-03-10

    申请号：US14928786

    申请日：2015-10-30

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Lee Chau ,  Terrence Fischer ,  Anthony Mavromatis ,  Venkat Varadachary ,  Michael Wang

    IPC分类号： G06Q30/02

    摘要： The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.

    摘要翻译： 系统和方法可以用于向消费者推荐物品。 方法可以包括基于协作过滤算法来确定与项目相关联的消费者相关性值，并且基于消费者相关性值将与该项目相关联的信息发送给消费者。 协作过滤算法可以作为输入接收与消费者相关联的交易历史，消费者的人口统计，消费者简档，交易账户类型，与消费者相关联的交易账户，消费者持有的时间段 交易账户，钱包的大小和/或钱包的份额。 该方法还可以包括基于消费者相关性值来生成排序的项目列表，基于商家目标向商品发送商品的排序列表和/或重新排列商品的列表。

    Merchant recommendations associated with a persona
    7.
    发明授权
    Merchant recommendations associated with a persona 有权

    公开(公告)号：US10909608B2

    公开(公告)日：2021-02-02

    申请号：US16210277

    申请日：2018-12-05

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Ching-nu Chang ,  Lee Chau ,  Terrence Fischer ,  Anthony Harry Mavromatis

    IPC分类号： G06Q30/06 ,  G06Q30/02 ,  G06Q50/00

    摘要： 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.

    System and Method for a Relative Consumer Cost
    10.
    发明申请
    System and Method for a Relative Consumer Cost 审中-公开
    相对消费者成本的系统和方法

    公开(公告)号：US20160055600A1

    公开(公告)日：2016-02-25

    申请号：US14928905

    申请日：2015-10-30

    申请人： American Express Travel Related Services Company, Inc.

    发明人： Lee Chau ,  Terrence Fischer ,  Anthony Mavromatis ,  Venkat Varadachary ,  Michael Wang

    IPC分类号： G06Q50/12 ,  G06Q20/20

    摘要： The systems and methods may be used to recommend an item to a consumer. The methods may comprise determining, based on a collaborative filtering algorithm, a consumer relevance value associated with an item, and transmitting, based on the consumer relevance value, information associated with the item to a consumer. A collaborative filtering algorithm may receive as an input a transaction history associated with the consumer, a demographic of the consumer, a consumer profile, a type of transaction account, a transaction account associated with the consumer, a period of time that the consumer has held a transaction account, a size of wallet, and/or a share of wallet. The method may further comprise generating a ranked list of items based upon consumer relevance values, transmitting a ranked list of items to a consumer, and/or re-ranking a ranked list of items based upon a merchant goal.

    摘要翻译： 系统和方法可以用于向消费者推荐物品。 方法可以包括基于协作过滤算法来确定与项目相关联的消费者相关性值，并且基于消费者相关性值将与该项目相关联的信息发送给消费者。 协作过滤算法可以作为输入接收与消费者相关联的交易历史，消费者的人口统计，消费者简档，交易账户类型，与消费者相关联的交易账户，消费者持有的时间段 交易账户，钱包的大小和/或钱包的份额。 该方法还可以包括基于消费者相关性值来生成排序的项目列表，基于商家目标向商品发送商品的排序列表和/或重新排列商品的列表。