Patent ID: 7792697

Claim:
A computer-based system for predicting spending habits of card members, comprising: a processor; and an instruction memory in communication with the processor for storing a plurality of processing instructions for directing the processor to: produce a data set corresponding to financial transactions of a plurality of card members with a plurality of restaurants; filter the data set, corresponding to a selected card member of the plurality of card members, to generate a set of candidate restaurants for the selected card member; generate for the selected card member, a probability of acceptance for each of the candidate restaurants; wherein the probability of acceptance (P) is determined by: P=A +( B * ( A−K )) wherein: A is a number of card-members having transactions with both the candidate restaurant and an identified restaurant; K is a constant; B is a value corresponding to a ratio of A to a total number of card member transactions with the identified restaurant; and a value of (A−K) is set to zero if its determined value results in a negative number.