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

Claim 0:
1. A method of characterizing a user into a species, the method comprising:
receiving, by an input system of a server, activity data related to activity of the user, wherein the user is associated with user accounts, and wherein the activity data comprises transactions of the user accounts;
classifying, by a first analysis tool of the server, the activity data according to activity categories, wherein the activity categories include at least one of purchases, transfers, bill payments, borrowing activity, savings activity, or investment activity, or a combination thereof;
identifying, by the first analysis tool of the server, characteristic values based on the activity data, wherein each of the characteristic values corresponds to a different one of the activity categories;
identifying, by the first analysis tool of the server, a tracking characteristic value for at least one of the activity categories, wherein the tracking characteristic value is identified based on a frequency with which the user electronically accesses information related to at least one of the user accounts, and wherein the characteristic values and the tracking characteristic value define a set of user characteristic values;
comparing, by a second analysis tool of the server, the set of user characteristic values to sets of species characteristic values based on a distance function, wherein each of the sets of species characteristic values corresponds to a different known species, wherein the distance function generates a sum of distances for each of the known species, and wherein a closest match species corresponds to a lowest sum of distances;
comparing, by the second analysis tool of the server, the lowest sum of distances to a threshold value;
characterizing, by the second analysis tool of the server, the user into the closest match species when the lowest sum of distances is below the threshold value; and
characterizing, by the second analysis tool of the server, the user into a new species when the lowest sum of distances is above the threshold value.