# US 2014/0195347 A1 · Method, system, and computer program product for business designation > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0195347 A1 - Document ID: US20140195347A1 - Status: Published application - Kind: A1 - Application number: 13/929,376 - Filed: 2013-06-27 - Published: 2014-07-10 - Earliest claimed: 2013-01-08 - Assignees: American Express Travel Related Services Company, Inc. - Applicants: American Express Travel Related Services Company, Inc. - Inventors: Urvi Adatia; Richa Awasthi; Manpreet Dhot; Amit Soni - Web page: https://patentgrep.com/patent/US20140195347A1 ## CPC - G06Q 30/0255: {based on user history} - 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 ## Abstract The present disclosure relates to a tool for identifying and designating a status indicator to a transaction account and/or transaction account holder. The system may be configured to collect data associated with a plurality of transaction accounts and perform a deterministic data analysis on the data to identify transaction accounts to associate with one of two groups. Also, the system may be configured to perform a probabilistic data analysis to create a probabilistic data analysis percentile score on at least one of the identified two groups to re-allocate the transaction accounts into one of the two groups. This re-allocation may be based on the probabilistic data analysis percentile score being above a predetermined threshold. The system may be configured to contact holders of the transaction accounts associated with at least one of the two groups. ## Claims ### Claim 1 A method comprising: performing, by a business designation computer-based system, deterministic data analysis on data to identify transaction accounts to associate with one of two groups, wherein the data is associated with a plurality of transaction accounts; performing, by the computer-based system, probabilistic data analysis to create a probabilistic data analysis score on at least one of the two groups to re-allocate the transaction accounts into one of the two groups based on the probabilistic data analysis score being above a predetermined threshold; and contacting, by the computer-based system, holders of the transaction accounts associated with at least one of the two groups. ### Claim 2 (depends on 1) The method of claim 1, wherein one of the groups comprises a group of businesses having both less than a preselected number of employees and less than a preselected annual revenue. ### Claim 3 (depends on 1) The method of claim 1, wherein one of the groups excludes small business entities. ### Claim 4 (depends on 1) The method of claim 1, wherein the deterministic data comprises the transaction account holder indicating a number of employees that work for the transaction account holder's company, wherein the number of employees is more than a first preset threshold of employees and less than a second preset threshold of employees. ### Claim 5 (depends on 1) The method of claim 1, wherein the deterministic data comprises revenue being less than a preset threshold of dollars. ### Claim 6 (depends on 1) The method of claim 1, wherein the deterministic data comprises revenue being more than a preset threshold of dollars. ### Claim 7 (depends on 1) The method of claim 1, wherein the probabilistic data comprises a weighted percentage assigned based on an email domain associated with a transaction account holder which is a domain used by a lower than a preset threshold of all email users. ### Claim 8 (depends on 1) The method of claim 1, wherein the probabilistic data comprises a weighted percentage assigned based on an email domain associated with a transaction account holder which is not associated with gmail.com, yahoo.com, hotmail.com, aol.com, msn.com, comcast.com, cox.net, Verizon.net, and sbcglobal.net. ### Claim 9 (depends on 1) The method of claim 1, wherein the probabilistic data comprises at least one of online activity, number of supplementary transaction instruments, inquiries from a consumer bureau, and demographic data. ### Claim 10 (depends on 1) The method of claim 1, wherein at least one of the deterministic data and probabilistic data is collected from at least one of online browsing behavior on a transaction account issuer website, transaction account application, transaction account holder website, polling the transaction account holder, credit bureau, a transaction account issuer, transaction account and a transaction processor. ### Claim 11 (depends on 1) The method of claim 1, wherein the probabilistic data comprises a record stored by a credit bureau of a point of sale system being installed at a location associated with the holder of the transaction account. ### Claim 12 (depends on 1) The method of claim 1, wherein probabilistic variables based on the probabilistic data are each assigned an independent weighted percentage which contribute to the probabilistic data analysis score and indicate likelihood of group membership. ### Claim 13 (depends on 1) The method of claim 1, further comprising allocating the transaction accounts into one of the two groups is based on the probabilistic data analysis score being above a preset threshold. ### Claim 14 (depends on 1) The method of claim 1, further comprising targeting, by the computer-based system, members of one of the groups for a risk treatment based on group membership. ### Claim 15 (depends on 1) The method of claim 1, wherein members of at least one of groups are contacted to at least one of change the reward attributes of their transaction account. ### Claim 16 (depends on 1) The method of claim 1, further comprising associating the transaction accounts to at least one of the two groups. ### Claim 17 (depends on 1) The method of claim 1, further comprising re-allocating the transaction accounts to at least one of the two groups. ### Claim 18 (depends on 1) The method of claim 1, further comprising assigning the business designation to the holders of the transaction accounts of the groups. ### Claim 19 A system comprising: a business designation processor, a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, causes the processor to perform operations comprising: performing, by the processor, deterministic data analysis on data to identify transaction accounts to associate with one of two groups, wherein the data is associated with a plurality of transaction accounts; performing, by the processor, probabilistic data analysis to create a probabilistic data analysis score on at least one of the two groups to re-allocate the transaction accounts into one of the two groups based on the probabilistic data analysis score being above a predetermined threshold; and contacting, by the processor, the holders of the transaction accounts associated with at least one of the two groups. ### Claim 20 An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a business designation computer-based system, cause the computer-based system to perform operations comprising: performing, by the computer-based system, deterministic data analysis on data to identify transaction accounts to associate with one of two groups, wherein the data is associated with a plurality of transaction accounts; performing, by the computer-based system, probabilistic data analysis to create a probabilistic data analysis score on at least one of the two groups to re-allocate the transaction accounts into one of the two groups based on the probabilistic data analysis score being above a predetermined threshold; and contacting, by the computer-based system, the holders of the transaction accounts associated with at least one of the two groups.