Patent Document ID: 20160148258
Application ID: 14554981
Patent Flag: 0

Claim One:
1. A computer-implemented method for recommending a merchant based on transaction data, said method implemented using an analyzer computing device in communication with one or more memory devices, said method comprising: defining a plurality of stages of life, wherein each stage of life of the plurality of stages of life is associated with a time period in a lifetime of a cardholder; determining a stage of life of the cardholder based on first transaction data of the cardholder; generating, by the analyzer computing device, a profile associated with the cardholder, based at least in part on associating the first transaction data with the stage of life for the cardholder, wherein the first transaction data is associated with one or more purchases made by the cardholder through a payment network and wherein the profile indicates the stage of life of the cardholder; retrieving, by the analyzer computing device, from the one or more memory devices, second transaction data associated with a plurality of sales associated with a first merchant, wherein the transactions were processed through the payment network; determining, by the analyzer computing device, a transaction volume associated with the first merchant; generating a ranking placing the first merchant higher than at least one other merchant in a plurality of merchants, based on a determination that the transaction volume is higher than at least one other transaction volume associated with a plurality of merchants, indicating that the first merchant is more highly regarded than the plurality of merchants, wherein the first merchant and the plurality of merchants sell one or more goods corresponding to an interest associated with the stage of life; and generating, by the analyzer computing device, a recommendation for the cardholder to purchase goods from the first merchant, based at least in part on the ranking and the profile associated with the cardholder.