Patent SG-11201804938W-A (SG)
Title: Systems and methods for generating recommendations using a corpus of data
Inventor: MERZ CHRISTOPHER JOHN
IPC: G06Q30/02
Filed: 2016-12-09
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 15 June 2017 (15.06.2017) WI PO I PCT (10) International Publication Number WO 2017/100677 Al 1111111111111101110101011111010111110 010111111101100111111111111111111110111111 (51) International Patent Classification: G06Q 30/02 (2012.01) (21) International Application Number: (22) International Filing Date: (25) Filing Language: (26) Publication Language: (30) Priority Data: 62/266,419 11 December 2015 (11.12.2015) US (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, New York 10577 (US). (72) Inventors: MERZ, Christopher John; 10 Flowery Branch Place, Wildwood, Missouri 63040 (US). LO FARO, Wal- ter F.; 14392 Tealcrest Drive, Chesterfield, Missouri 63017 (US). YANG, Peng; 1324 Woodbridge Crossing Drive, Chesterfield, Missouri 63005 (US). (74) Agents: FITZGERALD, Daniel M. et al.; Armstrong Teasdale LLP, 7700 Forsyth Blvd., Suite 1800, St. Louis, Missouri 63105 (US). Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, PCT/US2016/065977 (81) 9 December 2016 (09.12.2016) English English [Continued on next page] (54) Title: SYSTEMS AND METHODS FOR GENERATING RECOMMENDATIONS USING A CORPUS OF DATA (57) : A method and system for recommending a merchant are provided. The method includes receiving fin- ancial transaction data documenting fmancial transactions between a plurality of account holders and a plurality of merchants and generating a merchant correspondence matrix that includes the plurality of merchants and a plurality of in- dicators of interactions associated with pairs of the plurality 116 of merchants. The plurality of indicators of interactions tal- lying fmancial transactions conducted by the plurality of ac- count holders at both of the merchants in a pair of the plural- ity of merchants. The method further includes receiving a query for a recommendation of a merchant from an account holder and generating a ranked list of merchants based on a 115 recommender algorithm. The recommender algorithm infer- 112 COMPUTER ring user preferences from attributes of the plurality of mer- chants that were visited by the cardholder. MERCHANT ---118 POS TERMINAL W O 20 17 / 100677 Al 100 FIG. 2 WO 2017/100677 Al MIDEDIM000101011101010M010101101100HOEM0VOIME LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, Published: SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). with international search report (Art. 21(3))