Visa International Service Association

Guangyu Wang

Lawson Lau

Debesh Kumar

Melissa Lawu Tran

Kebin Lu

Japneet Kaur Giglio

Sang Hwang

Preeti Jindal

Christopher DeMartini

Nathan Kona Falkenborg

Paul Rollings

Zhe Zhang

Provided is a method for selectively displaying information regarding activity in a geographic area. The method may include receiving data regarding a plurality of card-present payment transactions that have been conducted in the geographic area during a time interval, determining a plurality of segments of the geographic area, assigning each of the transactions to the segment in which the transaction was conducted, determining aggregate transaction data for each of the segments based on data regarding the transactions that have been assigned to that segment; generating a transaction index for each segment based on a comparison of the aggregate transaction data of that segment with aggregate transaction data of at least one different segment and/or least one predetermined metric, and generating a visual representation comprising data regarding the transaction index of at least one of the segments. A system and computer program product are also provided.

System, method, and computer program product for selectively displaying information regarding activity in a geographic area

Past electronic records may be studied using a computer learning algorithm in order to make predictions of future use of the electronic accounts.

Electronic transactional data based predictive system

Systems and methods are provided to generate tools to evaluate the probability of an account being actually used by a business rather than an individual. In one aspect, a computing apparatus includes: a data warehouse configured to store transaction data of accounts issued by a plurality of issuers; and at least one processor configured to calculate values of a first plurality of variables for each of the accounts using the transaction data of the accounts issued by the plurality of issuers. The accounts include business accounts and non-business accounts. The at least one processor is further configured to identify a second plurality of variables from the first plurality of variables for a classification model to distinguish, using the values and logistic regression, the business accounts from the non-business accounts.

Systems and methods to identify payment accounts having business spending activities

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Foster City, CA, United States of America

Guangyu Wang