# US 2021/0241295 A1 · Systems and methods for predicting consumer spending behavior based on historical transaction activity progressions

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- Number: US 2021/0241295 A1
- Document ID: US20210241295A1
- Status: Published application
- Kind: A1
- Application number: 17/236,171
- Filed: 2021-04-21
- Published: 2021-08-05
- Earliest claimed: 2016-12-16
- Assignees: Worldpay, LLC
- Applicants: Worldpay, LLC
- Inventors: Brent BADGER; Dennis KETTLER
- Web page: https://patentgrep.com/patent/US20210241295A1

## CPC

- G06Q 30/0202: Market predictions or forecasting for commercial activities
- 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

Systems and methods are disclosed for predicting consumer spending behavior based on historical purchase activity progressions. One method includes: receiving transaction data related to two or more past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions; determining, based on the transaction data and environmental and/or behavioral data, historical purchase activity progressions, wherein each of the historical purchase activity progressions identifies one or more trends in environmental and/or behavioral data; receiving transaction data related to a current payment transaction of the consumer; receiving environmental and/or behavioral data associated with the current payment transaction; comparing the environmental and/or behavioral data associated with one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction; and determining whether a progression of one or more of the past payment transactions to the current payment transaction maps to one of the historical purchase activity progressions.

## Claims

### Claim at position 1

1-20. (canceled)

### Claim 21

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;
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 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;
comparing, by the profiler computing system, environmental and/or behavioral data associated with the one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;
determining, by the profiler computing system, whether a progression associated with 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.

### Claim 22 (depends on 21)

The method of claim 21, wherein the environmental and/or behavioral data associated with the one or more of the past payment transactions or the current payment transaction includes, one or more of:
data related to a channel of purchase used in the one or more of the past payment transactions or the current payment transaction;
temporal data related to the one or more of the past payment transactions or the current payment transaction;
data related to a geographical location of a consumer or a merchant in the one or more of the past payment transactions or the current payment transaction;
data related to the merchant in the one or more of the past payment transactions or the current payment transaction;
data related to a good or service being transacted for in the one or more of the past payment transactions or the current payment transaction;
data related to any online activity of the consumer; and
the transaction data related to the one or more of the past payment transactions or the current payment transaction.

### Claim 23 (depends on 21)

The method of claim 21, wherein the determining of whether the progression associated with the current payment transaction associated with the payment vehicle token maps to the at least one of the plurality of historical purchase activity progressions comprises:
determining whether the environmental and/or behavioral data associated with the one or more past payment transactions and the environmental and/or behavioral data associated with the current payment transaction reflects one or more trends in environmental and/or behavioral data for the plurality of historical purchase activity progressions.

### Claim 24 (depends on 21)

The method of claim 21, wherein the generating the indication of the at least one predicted purchase transaction comprises:
generating an indication of one or more environmental and/or behavioral data associated with the at least one predicted purchase transaction.

### Claim 25 (depends on 21)

The method of claim 21, further comprising:
generating a targeted offer for a consumer based on the indication of the predicted purchase transaction.

### Claim 26 (depends on 25)

The method of claim 25, further comprising:
transmitting the targeted offer to the consumer based on the indication of the predicted purchase transaction, the targeted offer being an electronic offer to the consumer.

### Claim 27 (depends on 21)

The method of claim 21, further comprising:
transmitting the indication of the at least one predicted purchase transaction, the indication of the at least one predicted purchase transaction being an indication of a change in a usage of one or more payment vehicles or payment networks used in payment transactions.

### Claim 28

A system of predicting consumer spending behavior based on historical purchase activity progressions, the system comprising:
one or more computer readable media storing instructions for predicting the consumer spending behavior; and
one or more processors configured to execute the instructions to perform operations comprising:
receiving, by a profiler computing system, transaction data related to 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 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;
comparing, by the profiler computing system, environmental and/or behavioral data associated with the one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;
determining, by the profiler computing system, whether a progression associated with 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.

### Claim 29 (depends on 28)

The system of claim 28, wherein the environmental and/or behavioral data associated with the one or more of the past payment transactions or the current payment transaction includes, one or more of:
data related to a channel of purchase used in the one or more of the past payment transactions or the current payment transaction;
temporal data related to the one or more of the past payment transactions or the current payment transaction;
data related to a geographical location of a consumer or a merchant in the one or more of the past payment transactions or the current payment transaction;
data related to the merchant in the one or more of the past payment transactions or the current payment transaction;
data related to a good or service being transacted for in the one or more of the past payment transactions or the current payment transaction;
data related to any online activity of the consumer; and
the transaction data related to the one or more of the past payment transactions or the current payment transaction.

### Claim 30 (depends on 28)

The system of claim 28, wherein the determining of whether the progression associated with the current payment transaction associated with the payment vehicle token maps to the at least one of the plurality of historical purchase activity progressions comprises:
determining whether the environmental and/or behavioral data associated with the one or more past payment transactions and the environmental and/or behavioral data associated with the current payment transaction reflects one or more trends in environmental and/or behavioral data for the plurality of historical purchase activity progressions.

### Claim 31 (depends on 28)

The system of claim 28, wherein the generating the indication of the at least one predicted purchase transaction comprises:
generating an indication of one or more environmental and/or behavioral data associated with the at least one predicted purchase transaction.

### Claim 32 (depends on 28)

The system of claim 28, the operations further comprising:
generating a targeted offer for a consumer based on the indication of the predicted purchase transaction.

### Claim 33 (depends on 32)

The system of claim 32, the operations further comprising:
transmitting the targeted offer to the consumer based on the indication of the predicted purchase transaction, the targeted offer being an electronic offer to the consumer.

### Claim 34 (depends on 28)

The system of claim 28, the operations further comprising:
transmitting the indication of the at least one predicted purchase transaction, the indication of the at least one predicted purchase transaction being an indication of a change in a usage of one or more payment vehicles or payment networks used in payment transactions.

### Claim 35

A non-transitory machine-readable medium stores instructions that, when executed by a profiler computing system, causes the profiler computing system to perform operations for predicting consumer spending behavior based on historical purchase activity progressions, the operations comprising:
receiving, by the profiler computing system, transaction data related to 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 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;
comparing, by the profiler computing system, environmental and/or behavioral data associated with the one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;
determining, by the profiler computing system, whether a progression associated with 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.

### Claim 36 (depends on 35)

The non-transitory machine-readable medium of claim 35, wherein the environmental and/or behavioral data associated with the one or more of the past payment transactions or the current payment transaction includes, one or more of:
data related to a channel of purchase used in the one or more of the past payment transactions or the current payment transaction;
temporal data related to the one or more of the past payment transactions or the current payment transaction;
data related to a geographical location of a consumer or a merchant in the one or more of the past payment transactions or the current payment transaction;
data related to the merchant in the one or more of the past payment transactions or the current payment transaction;
data related to a good or service being transacted for in the one or more of the past payment transactions or the current payment transaction;
data related to any online activity of the consumer; and
the transaction data related to the one or more of the past payment transactions or the current payment transaction.

### Claim 37 (depends on 35)

The non-transitory machine-readable medium of claim 35, wherein the determining of whether the progression associated with the current payment transaction associated with the payment vehicle token maps to the at least one of the plurality of historical purchase activity progressions comprises:
determining whether the environmental and/or behavioral data associated with the one or more past payment transactions and the environmental and/or behavioral data associated with the current payment transaction reflects one or more trends in environmental and/or behavioral data for the plurality of historical purchase activity progressions.

### Claim 38 (depends on 35)

The non-transitory machine-readable medium of claim 35, wherein the generating the indication of the at least one predicted purchase transaction comprises:
generating an indication of one or more environmental and/or behavioral data associated with the at least one predicted purchase transaction.

### Claim 39 (depends on 35)

The non-transitory machine-readable medium of claim 35, the operations further comprising:
generating a targeted offer for a consumer based on the indication of the predicted purchase transaction; and
transmitting the targeted offer to the consumer based on the indication of the predicted purchase transaction, the targeted offer being an electronic offer to the consumer.

### Claim 40 (depends on 35)

The non-transitory machine-readable medium of claim 35, the operations further comprising:
transmitting the indication of the at least one predicted purchase transaction, the indication of the at least one predicted purchase transaction being an indication of a change in a usage of one or more payment vehicles or payment networks used in payment transactions.