US 11,989,745 B2
Systems and methods for predicting consumer spending behavior based on historical transaction activity progressions
Brent Badger, Powell, OH (US); and Dennis Kettler, Lebanon, OH (US)
Assigned to Worldpay, LLC, Symmes Township, OH (US)
Filed by WORLDPAY, LLC, Symmes Township, OH (US)
Filed on Apr. 21, 2021, as Appl. No. 17/236,171.
Application 17/236,171 is a continuation of application No. 15/382,026, filed on Dec. 16, 2016, granted, now 11,023,909.
Prior Publication US 2021/0241295 A1, Aug. 5, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 10/00 (2023.01); G06Q 30/0202 (2023.01); G06Q 30/0251 (2023.01)
CPC G06Q 30/0202 (2013.01) [G06Q 30/0255 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method of predicting consumer spending behavior based on historical purchase activity progressions, comprising:
receiving, by a profiler computing system, transaction data related to one or more past payment transactions;
receiving, by the profiler computing system, environmental and/or behavioral data associated with each of the one or more past payment transactions;
determining, by the profiler computing system, a plurality of historical purchase activity progressions;
receiving, by the profiler computing system, transaction data related to a current payment transaction associated with a payment vehicle;
generating, by the profiler computing system, a payment vehicle token by tokenizing payment vehicle data, based on the transaction data related to the current payment transaction;
affiliating, by the profiler computing system, the current payment transaction to the payment vehicle token;
receiving, by the profiler computing system, environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;
comparing, by the profiler computing system, the environmental and/or behavioral data associated with the one or more of the past payment transactions with the environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;
determining, by the profiler computing system, using the comparison, whether a shift or a change in geographical characteristics of geographical locations or channel characteristics related to channels of one or more past payment transactions to the current payment transaction associated with the payment vehicle token maps to at least one of the plurality of historical purchase activity progressions; and
generating, by the profiler computing system, an indication of at least one predicted purchase transaction based on the at least one of the plurality of historical purchase activity progression.