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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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; CALCULATING OR 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)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (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

Similar Documents

Publication Publication Date Title
US10909511B2 (en) Method for providing a graphical user interface for an electronic transaction
Dermine et al. Bank valuation & value-based management: deposit and loan pricing, performance evaluation, and risk management
AU2018260870A1 (en) Appointment and payment handling
Beckmann et al. Oil and gold price dynamics in a multivariate cointegration framework
MX2013001498A (en) Payment interface.
Cronin et al. Credit availability, macroprudential regulations and the house price-to-rent ratio
MX2015003926A (en) Methods and systems for optimizing marketing strategy to customers or prospective customers of a financial institution.
MY175123A (en) A system and method for merchandising on anelectronic device with instantaneous loan and insurance
SG11201805753QA (en) Security verification method and device for smart card application
IN2013MU00927A (en)
Korhonen et al. Economic hardship and suicide mortality in Finland, 1875–2010
MX2019003592A (en) Processing payment refunds for invalid payment instruments.
NZ588155A (en) Dynamic currency conversion transaction system
Basse et al. Are interest rates too low? Empirical evidence and implications for German life insurers
SG10201701697XA (en) System And Method For Determining A Profile Of A Consumer
Nora et al. Impact of agricultural exports on economic growth of Peru: the case of avocado and grapes
PH12015500473A1 (en) Financial transactions with a varying pin
Maitra Inflation dynamics in India: relative role of structural and monetary factors
Ramya et al. A study on public awareness and level of adoption of various modes of cashless transaction
Vymetal Demand function and its role in a business simulator
Erdem et al. Local, global and regional shocks indices in emerging exchange rate markets
SG10201802599RA (en) Electronic system and method for credit-based investments
Lange et al. Estimating the Wealth of Nations
Prizzon et al. ‘The Aid Effectiveness Agenda: The benefits of going ahead’-A commentary on the final report
Ghosh et al. A Canvas of Data & Indian Card Industry