公开(公告)号：US20210241295A1

公开(公告)日：2021-08-05

申请号：US17236171

申请日：2021-04-21

Applicant: WORLDPAY, LLC

Inventor： Brent BADGER ,  Dennis KETTLER

IPC: G06Q30/02

Abstract: Systems and methods are disclosed for predicting consumer spending behavior based on historical purchase activity progressions. One method includes: receiving transaction data related to two or more past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions; determining, based on the transaction data and environmental and/or behavioral data, historical purchase activity progressions, wherein each of the historical purchase activity progressions identifies one or more trends in environmental and/or behavioral data; receiving transaction data related to a current payment transaction of the consumer; receiving environmental and/or behavioral data associated with the current payment transaction; comparing the environmental and/or behavioral data associated with one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction; and determining whether a progression of one or more of the past payment transactions to the current payment transaction maps to one of the historical purchase activity progressions.

公开(公告)号：US20210209637A1

公开(公告)日：2021-07-08

申请号：US17205286

申请日：2021-03-18

Applicant: Worldpay, LLC

Inventor： Brent BADGER ,  Dennis KETTLER

IPC: G06Q30/02 ,  G06F16/22 ,  G06Q30/06 ,  G06Q40/02

Abstract: Systems and methods are disclosed for attributing payment vehicle purchase events to previous activity of a purchaser. One method comprises: receiving purchase information associated with a purchase event by a purchaser; comparing the received purchase information to a profile data store to identify a purchaser profile associated with the purchaser, the profile data store comprising a plurality of purchaser profiles, wherein each purchaser profile comprises payment vehicle data and a tracking element; determining the tracking element of the identified purchaser profile; identifying one or more activities of the purchaser using the tracking element of the identified purchaser profile; for each of the identified one or more activities, assessing the strength of attributing the purchase event to the activity, using environmental and/or behavioral data associated with the tracking element; and determining whether to attribute the purchase event to one or more of the identified activities based on the assessment.

公开(公告)号：US20240127273A1

公开(公告)日：2024-04-18

申请号：US18396905

申请日：2023-12-27

Applicant: Worldpay, LLC

Inventor： Brent BADGER ,  Dennis KETTLER

IPC: G06Q30/0202 ,  G06Q30/0241

CPC classification number: G06Q30/0202 ,  G06Q30/0241

Abstract: Systems and methods are disclosed for tracking consumer spend behavior to predict attrition. One method includes: receiving past transaction data related to a plurality of past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions of the consumer; determining a spend behavior model of the consumer; subsequent to determining the spend behavior model of the consumer, receiving transaction data related to one or more current payment transactions of the consumer; receiving environmental and/or behavioral data associated with the one or more current payment transactions; determining, based on an analysis of the current transaction data and environmental and/or behavioral data associated with each of the current payment transactions, a current spend behavior of the consumer; and determining, based on a comparison of the current spend behavior with the spend behavior model, the likelihood of an attrition of the current spend behavior.

公开(公告)号：US20240281835A1

公开(公告)日：2024-08-22

申请号：US18651923

申请日：2024-05-01

Applicant: Worldpay, LLC

Inventor： Brent BADGER ,  Dennis KETTLER

IPC: G06Q30/0202 ,  G06Q30/0251

CPC classification number: G06Q30/0202 ,  G06Q30/0255

Abstract: Systems and methods are disclosed for predicting consumer spending behavior based on historical purchase activity progressions. One method includes: receiving transaction data related to two or more past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions; determining, based on the transaction data and environmental and/or behavioral data, historical purchase activity progressions, wherein each of the historical purchase activity progressions identifies one or more trends in environmental and/or behavioral data; receiving transaction data related to a current payment transaction of the consumer; receiving environmental and/or behavioral data associated with the current payment transaction; comparing the environmental and/or behavioral data associated with one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction; and determining whether a progression of one or more of the past payment transactions to the current payment transaction maps to one of the historical purchase activity progressions.

公开(公告)号：US20240112218A1

公开(公告)日：2024-04-04

申请号：US18539489

申请日：2023-12-14

Applicant: Worldpay, LLC

Inventor： Brent BADGER ,  Dennis KETTLER

IPC: G06Q30/0242 ,  G06F16/22 ,  G06Q30/0201 ,  G06Q30/0241 ,  G06Q30/0601 ,  G06Q40/02

CPC classification number: G06Q30/0244 ,  G06F16/22 ,  G06Q30/0201 ,  G06Q30/0277 ,  G06Q30/0601 ,  G06Q40/02

Abstract: Systems and methods are disclosed for attributing payment vehicle purchase events to previous activity of a purchaser. One method comprises: receiving purchase information associated with a purchase event by a purchaser; comparing the received purchase information to a profile data store to identify a purchaser profile associated with the purchaser, the profile data store comprising a plurality of purchaser profiles, wherein each purchaser profile comprises payment vehicle data and a tracking element; determining the tracking element of the identified purchaser profile; identifying one or more activities of the purchaser using the tracking element of the identified purchaser profile; for each of the identified one or more activities, assessing the strength of attributing the purchase event to the activity, using environmental and/or behavioral data associated with the tracking element; and determining whether to attribute the purchase event to one or more of the identified activities based on the assessment.

公开(公告)号：US20230019106A1

公开(公告)日：2023-01-19

申请号：US17934368

申请日：2022-09-22

Applicant: Worldpay, LLC

Inventor： Brent BADGER ,  Dennis KETTLER

IPC: G06Q30/02 ,  G06Q30/06 ,  G06F16/22 ,  G06Q40/02

Abstract: Systems and methods are disclosed for attributing payment vehicle purchase events to previous activity of a purchaser. One method comprises: receiving purchase information associated with a purchase event by a purchaser; comparing the received purchase information to a profile data store to identify a purchaser profile associated with the purchaser, the profile data store comprising a plurality of purchaser profiles, wherein each purchaser profile comprises payment vehicle data and a tracking element; determining the tracking element of the identified purchaser profile; identifying one or more activities of the purchaser using the tracking element of the identified purchaser profile; for each of the identified one or more activities, assessing the strength of attributing the purchase event to the activity, using environmental and/or behavioral data associated with the tracking element; and determining whether to attribute the purchase event to one or more of the identified activities based on the assessment.

公开(公告)号：US20210279747A1

公开(公告)日：2021-09-09

申请号：US17330467

申请日：2021-05-26

Applicant: WORLDPAY, LLC

Inventor： Brent BADGER ,  Dennis KETTLER

IPC: G06Q30/02

Abstract: Systems and methods are disclosed for tracking consumer spend behavior to predict attrition. One method includes: receiving past transaction data related to a plurality of past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions of the consumer; determining a spend behavior model of the consumer; subsequent to determining the spend behavior model of the consumer, receiving transaction data related to one or more current payment transactions of the consumer; receiving environmental and/or behavioral data associated with the one or more current payment transactions; determining, based on an analysis of the current transaction data and environmental and/or behavioral data associated with each of the current payment transactions, a current spend behavior of the consumer; and determining, based on a comparison of the current spend behavior with the spend behavior model, the likelihood of an attrition of the current spend behavior.