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SG10201701697XA - System And Method For Determining A Profile Of A Consumer - Google Patents

System And Method For Determining A Profile Of A Consumer

Info

Publication number
SG10201701697XA
SG10201701697XA SG10201701697XA SG10201701697XA SG10201701697XA SG 10201701697X A SG10201701697X A SG 10201701697XA SG 10201701697X A SG10201701697X A SG 10201701697XA SG 10201701697X A SG10201701697X A SG 10201701697XA SG 10201701697X A SG10201701697X A SG 10201701697XA
Authority
SG
Singapore
Prior art keywords
consumer
payment card
profile
processor
determining
Prior art date
Application number
SG10201701697XA
Inventor
Donghao Huang
Krishnadas Mohandas
Bo Zeng
Hui Fang
Xijing Wang
Original Assignee
Mastercard Asia Pacific Pte Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard Asia Pacific Pte Ltd filed Critical Mastercard Asia Pacific Pte Ltd
Priority to SG10201701697XA priority Critical patent/SG10201701697XA/en
Priority to US15/910,793 priority patent/US20180253723A1/en
Publication of SG10201701697XA publication Critical patent/SG10201701697XA/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)

Abstract

SYSTEM AND METHOD FOR DETERMINING A PROFILE OF A CONSUMER A system and a method for determining a profile of a consumer are disclosed. The system includes a processor and a memory unit coupled to the processor. The memory unit is configured to store the consumer’s payment card usage data. The processor is configured to obtain a credit score specific to the consumer and calculate a payment card index specific to the consumer based on the consumer’s payment card usage data stored in the memory unit. The payment card index may comprise a weighted sum of factors representative of the consumer’s payment card usage. The processor is also configured to multiply the credit score by the payment card index to obtain a collective score representative of the profile of the consumer. FIG. 1
SG10201701697XA 2017-03-02 2017-03-02 System And Method For Determining A Profile Of A Consumer SG10201701697XA (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
SG10201701697XA SG10201701697XA (en) 2017-03-02 2017-03-02 System And Method For Determining A Profile Of A Consumer
US15/910,793 US20180253723A1 (en) 2017-03-02 2018-03-02 System and method for determining a profile of a consumer

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201701697XA SG10201701697XA (en) 2017-03-02 2017-03-02 System And Method For Determining A Profile Of A Consumer

Publications (1)

Publication Number Publication Date
SG10201701697XA true SG10201701697XA (en) 2018-10-30

Family

ID=63354920

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201701697XA SG10201701697XA (en) 2017-03-02 2017-03-02 System And Method For Determining A Profile Of A Consumer

Country Status (2)

Country Link
US (1) US20180253723A1 (en)
SG (1) SG10201701697XA (en)

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140172560A1 (en) * 2009-01-21 2014-06-19 Truaxis, Inc. System and method of profitability analytics
US9721296B1 (en) * 2016-03-24 2017-08-01 Www.Trustscience.Com Inc. Learning an entity's trust model and risk tolerance to calculate a risk score

Also Published As

Publication number Publication date
US20180253723A1 (en) 2018-09-06

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