US 11,810,153 B2
Method, system, and computer program product for matching card transaction data to mobile application usage
Nuri Vinod Purswani Ramchandani, Singapore (SG); Olivia Maly, Singapore (SG); Anubhav Narang, Singapore (SG); and Ajit Vilasrao Patil, Singapore (SG)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Dec. 15, 2020, as Appl. No. 17/121,809.
Prior Publication US 2022/0188862 A1, Jun. 16, 2022
Int. Cl. G06Q 30/0251 (2023.01)
CPC G06Q 30/0255 (2013.01) [G06Q 30/0261 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
generating, with at least one processor, a plurality of regions within a geographic area, each region of the plurality of regions associated with a region identifier;
receiving, with at least one processor, transaction data associated with a plurality of transactions conducted between a plurality of accounts and a plurality of merchants using a plurality of account identifiers, the transaction data comprising, for each transaction, an account identifier, a transaction time, and a transaction location;
receiving, with at least one processor, mobile application data associated with a plurality of interactions between a plurality of mobile device users and at least one mobile application using a plurality of mobile user identifiers, the mobile application data comprising, for each interaction, a mobile user identifier, an interaction time, and an interaction location, wherein the transaction data and the mobile application data do not comprise a common unique identifier;
determining, with at least one processor, a region of the plurality of regions for each transaction of the plurality of transactions by applying at least one geographic information system (GIS) tool to each transaction location to match the transaction location to a region of the plurality of regions;
determining, with at least one processor, a region of the plurality of regions determining, with at least one processor, a region of the plurality of regions for each interaction of the plurality of interactions by applying the at least one GIS tool to each interaction location to match the interaction location to a region of the plurality of regions;
generating, with at least one processor, a transaction signature for each account identifier of the plurality of account identifiers based on the region and transaction time for each transaction of the plurality of transactions initiated with the account identifier, resulting in a plurality of transaction signatures, each transaction signature comprising at least one region identifier in association with an account identifier used to transact in at least one region corresponding to the at least one region identifier corresponding to at least one transaction time, wherein the plurality of transaction signatures comprises a first transaction signature of a first account identifier of the plurality of account identifiers, wherein the first transaction signature comprises a plurality of transactions initiated by the first account identifier, each of the plurality of transactions initiated by the first account identifier having an associated region identifier and transaction time;
generating, with at least one processor, an interaction signature for each mobile user identifier of the plurality of mobile user identifiers based on the region and interaction time for each interaction of the plurality of interactions associated with a corresponding mobile user identifier, resulting in a plurality of interaction signatures, each interaction signature comprising at least one region identifier in association with a mobile user identifier for a user interacting in at least one region corresponding to the at least one region identifier corresponding to least one interaction time, wherein the plurality of interaction signatures comprises a first interaction signature of a first mobile user identifier of the plurality of mobile user identifiers, wherein the first interaction signature comprises a plurality of interactions initiated by the first mobile user identifier, each of the plurality of interactions initiated by the first mobile user identifier having an associated region identifier and interaction time, wherein the first account identifier and the first mobile user identifier do not comprise a common unique identifier;
matching, with at least one processor, the first transaction signature of the plurality of transaction signatures to the first interaction signature of the plurality of interaction signatures by comparing the region identifiers for each of the plurality of transactions initiated by the first account identifier with the region identifiers for each of the plurality of interactions initiated by the first mobile user identifier and comparing the transaction times for each of the plurality of transactions initiated by the first account identifier with the interaction times for each of the plurality of interactions initiated by the first mobile user identifier; and
linking, with at least one processor in at least one database, the first account identifier of the plurality of account identifiers associated with the first transaction signature to the first mobile user identifier of the plurality of mobile user identifiers associated with the first interaction signature based on matching the first transaction signature to the first interaction signature.