PAYMENT CARD BENEFIT VALUE ESTIMATOR SYSTEM AND METHOD WITH TRANSACTION-BASED INDIVIDUAL CARDHOLDER RELEVANCE OF SELECTABLE BENEFITS

PAYMENT CARD BENEFIT VALUE ESTIMATOR SYSTEM AND METHOD WITH TRANSACTION-BASED INDIVIDUAL CARDHOLDER RELEVANCE OF SELECTABLE BENEFITS

A payment card benefit assessment system and method includes a computing device accepting payment card benefit catalog information from a payment card issuer and payment card transaction data from a payment card processing network. The payment card transaction data is analyzed to group cardholders i...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Carpenter, Travis Michael, Woodrick, Brian, Grothe, Robert Thomas
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:A payment card benefit assessment system and method includes a computing device accepting payment card benefit catalog information from a payment card issuer and payment card transaction data from a payment card processing network. The payment card transaction data is analyzed to group cardholders into one demographic clusters and to determine an estimated benefit value for each of the demographic clusters. Individualized payment card benefit options are presented to an individual cardholder based on the individual cardholder's payment card transactions and the determined estimated benefit value for a corresponding one of the plurality of demographic clusters.