Patent ID: 11915324
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 9:
10. A system for characterizing an individual into a species, comprising:
a plurality of servers dedicated to receiving activity data corresponding to activity of the individual, wherein the activity data comprises transactions of accounts associated with the individual, wherein each of the plurality of servers corresponds to a different activity category, and wherein the activity categories include at least one of purchases, transfers, bill payments, borrowing activity, savings activity, or investment activity, or a combination thereof;
at least one tracking server dedicated to receiving tracking data associated with how often the individual electronically accesses information related to the accounts;
a plurality of input systems, wherein each of the input systems corresponds to a respective one of the plurality of servers and the at least one tracking server, wherein each of the input systems collects the activity data or the tracking data;
a plurality of database systems, wherein each of the database systems corresponds to a respective one of the plurality of servers and the at least one tracking server, wherein each of the database systems stores the activity data or the tracking data;
a first analysis tool configured to determine a set of individual placement values for the individual, wherein the set of individual placement values comprises activity placement values corresponding to each of the activity categories and a tracking placement value corresponding to how often the individual electronically accesses information related to the accounts;
a second analysis tool configured to:
compare the set of individual placement values against existing sets of placement values for known species based on a distance function, wherein the distance function generates a sum of placement distances for each of the known species, and wherein a closest match species of the known species corresponds to a lowest sum of distances, and
determine whether the lowest sum of distances satisfies a threshold value;
responsive to the lowest sum of distances satisfying the threshold value characterize the individual into the closest match species; and
responsive to the lowest sum of distances failing to satisfy the threshold value characterize the individual as a new species.