Mastercard International Incorporated

Stephen P Hendrix

Adam Kenneth Hosp

Matthew Richard Stocke

Christopher John Merz

Robert T Grothe, Jr

Mostafa Hussein Sabet

Walter Francis Lo Faro

Joshua Kessler

Stephen Toner

Walter Lo Faro

Robert Thomas Grothe

Peter D Kaulbach

A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device in communication with a processor. The processor is programmed to receive transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, the purchases satisfying a first criteria. The processor receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder. The computer system determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, and determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders. The computer system also determines a merchant score for each of the plurality of merchants by comparing the merchant rank to the neutral merchant rank.

System, method, and non-transitory computer-readable storage media for recommending merchants

A computer system for recommending merchants to a candidate cardholder is provided. The computer system includes a memory device in communication with a processor. The processor is programmed to receive transaction information for a plurality of cardholders from a payment network. The transaction information includes data relating to purchases made by the cardholders at a plurality of merchants, the purchases satisfying a first criteria. The processor receives candidate cardholder preference information for at least one of the merchants input by the candidate cardholder, determines a merchant rank for each merchant based on the received transaction information and the candidate cardholder preference information, determines a neutral merchant rank for each merchant based on the received transaction information and neutral cardholder preferences of the plurality of cardholders, and determines a merchant score for each of the plurality of merchants by comparing the merchant rank to the neutral merchant rank.

Systems and methods for recommending merchants

An exemplary method for distributing an offer to a mobile device includes identifying a location of a first mobile device, identifying offer preferences for a user of the first mobile device, and distributing the offer to the first mobile device. The offer is an offer for the purchase of goods or services, the offer meets the offer preferences of the user of the first mobile device, and the offer is encoded with a first offer identifier corresponding to the user of the first mobile device.

Method and apparatus for distributing advertisements using social networks and financial transaction card networks

Growing community of inventors

Saint Charles, MO, United States of America

Stephen P Hendrix