Visa International Service Association

Melissa Lawu Tran

Lawson Lau

Guangyu Wang

Debesh Kumar

Kebin Lu

Preeti Jindal

Sang Hwang

Japneet Kaur Giglio

Yuran Zhou

A method for identifying subpopulations may include receiving interaction data associated with interactions from a population of individuals. The interaction data may include a plurality of features. A first subpopulation may be identified based on at least one feature of interaction data of each individual. A second subpopulation may include all individuals other than the first subpopulation. The first subpopulation may be clustered into a first plurality of clusters based on the features. A first subset of features may be determined based on the first clusters. The first subpopulation may be clustered into a second plurality of clusters based on the first subset of features. A range for each feature of a second subset of features may be determined based on the second clusters. A subset of the second subpopulation may be determined based on interaction data for each individual and the range for each feature of the second subset of features.

Method, system, and computer program product for identifying subpopulations

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

Growing community of inventors

Foster City, CA, United States of America

Melissa Lawu Tran