Patent ID: 8204784
Filing Date: 2012-06-19
Classification: G06Q

Abstract:
1. A method, comprising: filtering, by a computer for filtering financial transaction data, a data set to generate a set of candidate merchants for the selected account holder, wherein the data set corresponds to a selected account holder of a plurality of account holders, and wherein the data set corresponds to financial transactions of the plurality of account holders with a plurality of merchants; and generating, by the computer, for the selected account holder, a probability of acceptance for each of the candidate merchants, wherein the probability of acceptance (P) is determined by: P=A+(B*A−K)), wherein: A is a number of account holders having transactions with both the candidate merchant and an identified merchant; K is a constant; B is a value corresponding to a ratio of A to a total number of account holder transactions with the identified merchant; and a value of (A−K) is set to zero if its determined value results in a negative number.