PROVIDING MERCHANTS WITH ACCESS

Brand	Owner	Address	Description
TOKENSHARE	Shift4 Corporation	1491 Center Crossing Road Las Vegas NV 89144	Providing merchants with access to a unique identifier that has been created to replace cardholder payment data which can be used during card payment transactions;TOKEN SHARE;
	Where the owner name is not linked, that owner no longer owns the brand

Technical Examples

Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments, which are derived from the consumer transaction data based on co-occurrences of merchants in sequences of transactions. Merchant vectors represent specific merchants, and are aligned in a vector space as a function of the degree to which the merchants co-occur. Supervised segmentation is applied to merchant vectors to form merchant segments. Merchant segment predictive models provide predictions of spending in each merchant segment for any particular consumer, based on previous spending by the consumer. Consumer profiles describe summary statistics of each consumer's spending in the merchant segments, and across merchant segments. Consumer profiles include consumer vectors derived as summary vectors of selected merchants patronized by the consumer. Predictions of consumer behavior are made by applying nearest-neighbor analysis to consumer vectors.