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US 10,650,391 B2Granted
System and method for determining population movement
AssigneeMastercard International Incorporated
InventorsPeng Yang, Ravi S. Arvapally, Wally F. Lo Faro, Kamalesh V. Rao
Life of this patent
Estimating the term…
Abstract
A system and a method that determine movement of one or more individuals or populations of individuals are provided. A residential zip code of an individual is determined. Long-term movements are identified. Short-term movements are identified. The long-term and short-term movements are classified. Anonymization removes personally identifying information of the individual. The short-term movements and long-term movements are aggregated by creating source-target zip code pairs. A population movement database is generated. The population movement database is accessible by a user device that has credentials allowing access.
Claims18
A computer system for determining population movement, the system comprising:
- a processor;
- and
- a tangible memory storage having instructions that cause the computer system to:
- receive only transaction records that do not have residential zip codes of the card holder from a transaction concentrator for a payment card system, the transaction records being records obtained directly from a point of sale device at a brick-and-mortar store of a merchant, the transaction records comprising:
- a primary account number of a payment card holder, a date and time of payment transaction, a zip code of the merchant, and a merchant industry code;
- determine the residential zip code of the payment card holder from a predetermined number of most recent transactions from the transaction records, wherein the determination includes assigning a weighted value according to the merchant industry code of the transaction for each recent transaction and summing the weighted values by the zip code of the merchant, and wherein the determination evaluates and selects the zip code having the highest sum as a residential zip code of the payment card holder;
- identify long-term movements of the payment card holder from the transaction records;
- identify short-term movements of the payment card holder from the transaction records;
- classify the long-term movements of the payment card holder based on the transaction records;
- classify the short term movements of the payment card holder based on the transaction records;
- anonymize the transaction records to remove the primary account number and any personally identifying information of the payment card holder;
- aggregate the short-term movements and long-term movements by creating source-target zip code pairs;
- and
- generate a population movement database that is accessible by a user device that has credentials allowing access;
- and
- wherein the instructions further cause the computer system to output at least one product selected from the group consisting of:
- a heat map output to a display showing population movement, a time-lapse video output to a display showing population movement, and an alert transmitted to a user device when a threshold population change in a given geographic area occurs.
14 more elements
A computer-implemented method for determining population movement, the method comprising:
- receiving only transaction records that do not have residential zip codes of the card holder from a transaction concentrator, the transaction records being records obtained directly from a point of sale device at a brick-and-mortar store of a merchant, the transaction records comprising:
- a primary account number of a payment card holder, a date and time of payment transaction, a zip code of the merchant, and a merchant industry code;
- determining the residential zip code of the payment card holder from a predetermined number of most recent transactions from the transaction records, wherein the determination includes assigning a weighted value according to the merchant industry code of the transaction for each recent transaction and summing the weighted values by the zip code of the merchant, and wherein the determination evaluates and selects the zip code having the highest sum as a residential zip code of the payment card holder;
- identifying long-term movements of the payment card holder from the transaction records;
- identifying short-term movements of the payment card holder from the transaction records;
- classifying the long-term movements of the payment card holder based on the transaction records;
- classifying the short term movements of the payment card holder based on the transaction records;
- anonymizing the transaction records to remove the primary account number and any personally identifying information of the payment card holder;
- aggregating the short-term movements and long-term movements by creating source-target zip code pairs;
- and
- generating a population movement database that is accessible by a user device that has credentials allowing access;
- and
- outputting at least one product selected from the group consisting of:
- a heat map output to a display showing population movement, a time-lapse video output to a display showing population movement, and an alert transmitted to a user device when a threshold population change in a given geographic area occurs.
11 more elements
Dependencies are inferred from the claim text.