Jinping Gong

US Patent:

20130124263, May 16, 2013

Filed:

Nov 13, 2012

Appl. No.:

13/675301

Inventors:

Visa International Service Association - San Francisco CA, US
Michelle Eng Winters - Belmont CA, US
Doretta Barthold - San Mateo CA, US
Kevin Akerman - Orinda CA, US
Charles Raymond Byce - Mill Valley CA, US
William Tangalos - Larkspur CA, US
Peter Ciurea - Martinez CA, US
Jinping Gong - Foster City CA, US

Assignee:

VISA INTERNATIONAL SERVICE ASSOCIATION - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 734

Abstract:

A computing apparatus is configured to summarize transaction data via aggregating transactions according to geographical regions (e.g., based on postal codes) for a plurality of merchant categories, normalize the aggregated spending across the merchant categories for each geographical region, rank the regions for each category based on the normalized spending, generate percentile indicators based on the ranking result, and generate spending indices that are proportional to the normalized spending within each category. The spending indices and percentile indicators of a geographical region across the set of merchant categories represent a spending profile of the region. The spending profile is indicative of the spending preferences of the region but does not reveal the actual spending amounts of any individual, family or region. The spending profile can be used in targeted advertising, and in measuring advertisement audience and campaign performance.

US Patent:

20140236678, Aug 21, 2014

Filed:

May 22, 2013

Appl. No.:

13/900420

Inventors:

- San Francisco CA, US
Vipul Bahety - Sunnyvale CA, US
Michelle Eng Winters - Belmont CA, US
Jinping Gong - Foster City CA, US
Charles Raymond Byce - Mill Valley CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06F 17/30

US Classification:

705 734

Abstract:

A computing apparatus is configured to: receive a search term from a user; identify a region within which a residence location of the user is located; obtain a spending profile generated based on aggregating transaction data of users residing in the region; and customize a search result based on the spending profile. For examples, spending of users residing in different regions (e.g., identified via zip+4 postal codes) can be aggregated within respective regions, and normalized and/or ranked across the regions to generate spending preference indicators. Further, the average distances between the residence locations of users residing with different regions and merchant locations at which the users make transactions using payment accounts are determined for the respective regions. The spending indicators and the average distance are used to select, prioritize and/or customize search results to reflect the spending preferences of users based on the residence regions of the users.