Pre-Grant Publication Number: 20100306032
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Prior Art (7)
Patent/Application # 20090307049
Description
This reference teaches clustering of merchant-account holder transaction data which may be claimed during prosecution of Publication No. 20100306032.
Patent/Application # 20090192875
Description
This Mastercard published application teaches clustering data from credit card purchases to determine likelihood for purchasing behaviour.
Patent/Application # 7,720,782
Description
This AMX reference teaches clustering of variables and predictive modeling suggested for use to assess customer behavior and loyalty in making purchases (buiness patterns)
Patent/Application # 20050055275
Description
This reference teaches the use of MasterCard and Visa data/scaling factors combined with data clusters created for a merchant's use to determine prospective customer profiles to target ads.
Patent/Application # 20090271246
Description
Clustering is used to present ads to targeted consumers based on credit card transaction history via a rules engine configured to analyze consumer attributes which relate to target consumer attributes to create a target consumer cluster and via creation of associations based upon merchant attributes and the target consumer attributes. Ads are presented based on the associations.
Patent/Application # 7,069,197
Description
THis prior art uses Factor Analysis/Retail Data Mining (FA/RDM) Segmentation to analyze customer transaction data for affinity groups and customer destination segments. Affinity groups indicate the frequency with which various products are purchased both together and separately. Customer destination segments reveal the different patterns that are possible from affinity groups.
Patent/Application # 2005/0222929
Description
A method of analyzing financial data that is clustered to identify comon characteristics of transactions.
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