Patent ID: 11875335
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 8:
9. A server comprising:
one or more processors; and
memory storing instructions that, when executed by the one or more processors, cause the server to:
receive, via an electronic payment network and from a plurality of users, transaction data associated with a plurality of merchants;
determine a first average purchase amount associated with merchants in a merchant category;
determine, based on the first average purchase amount, a second average purchase amount associated with each merchant in the merchant category;
train, using first training data comprising a transaction amount and a transaction location associated with one or more merchants in the merchant category, a first machine learning model to determine transaction patterns of the one or more merchants in the merchant category;
provide, as input to the first machine learning model, transaction data associated with a first merchant from the plurality of users;
receive, as output from the first machine learning model, a spending pattern associated with the first merchant;
provide, as input to a second machine learning model, the spending pattern and the second average purchase amount, wherein the second machine learning model is trained based on second training data comprising:
prelabeled transaction data from training merchants having a similar size as the first merchant;
prelabeled transaction data from training merchants located within a geographic location as the first merchant;
prelabeled transaction data from training merchants in a same merchant category as the first merchant; and
training labels indicating whether the training merchants enforce card enforce a card-based minimum purchase amount;

determine, based on output from the second machine learning model, that the first merchant enforces one or more card-based transaction rules comprising a minimum purchase amount on card-based transactions;
determine that a user device associated with a first user of the plurality of users, has connected to a wireless network associated with to the first merchant for a predetermined period of time;
send, to the user device associated with the first user, a notification indicating that the first merchant enforces the one or more card-based transaction rules comprising the minimum purchase amount on card-based transactions; and
cause the user device to display the first merchant on a user interface with a flag indicating that the first merchant enforces the one or more card-based transaction rules comprising the minimum purchase amount on card-based transactions

receive, from the user interface on the user device, an indication for merchants that do not enforce the one or more card-based transaction rules comprising the minimum purchase amount on card-based transactions;
determine, based on the output of the second machine learning model, one or more merchants that do not enforce the one or more card-based transaction rules, wherein the second machine learning model is further trained based on prelabeled transaction data from training merchants that do not enforce the one or more card-based transaction rules; and
cause, on the user interface, the user device to display the one or more merchants that do not enforce the one or more card-based transaction rules.