Abstract: A system and method may retrieve transaction data for a plurality of electronic payment system transactions. The transaction data may describe a plurality of electronic payment transactions between a payment network system and a plurality of merchants. The transaction data may include a transaction location and a merchant store number. The system and method may parse the transaction data to identify the transaction location and the merchant store number and analyze the retrieved and parsed transaction data to identify one or more centroids for at least a portion of the retrieved and parsed transaction data. The one or more centroids may correspond to a merchant location for each transaction of the retrieved and parsed transaction data. The system and method may then clean the retrieved and parsed transaction data having a transaction location outside a threshold distance from the one or more centroids to include accurate merchant store number data.

Abstract: Provided is a method for managing source identifiers of clustered records, which may include receiving a plurality of records, each having identification data associated with a source thereof. The records may be sorted into a first plurality of clusters. A first source identifier may be generated for each cluster. Update data associated with an update to the records may be received. At least some of the records may be sorted into a second plurality of clusters. A first cluster of the second plurality of clusters may have first identification data different from at least one cluster of the first plurality of clusters, and a second cluster of the second plurality of clusters may have identification data that substantially matches the at least one cluster. Whether to assign the first source identifier to the first or second cluster may be determined. A system and computer program product are also disclosed.

Abstract: Embodiments include apparatuses, methods, and systems for managing a data warehouse associated with an electronic payment transaction processing network. A first set of stores are active and a second set of stores are inactive in an offer program related to merchandise of a merchant. A first set of transaction records for a first set of transactions from the first set of stores and a second set of transaction records for a second set of transactions from the second set of stores are obtained. A first set of operations on the data warehouse for the first set of transaction records and a second set of operations on the data warehouse for the second set of transaction records may be performed. The second set of operations, different from the first set of operations, includes an update operation on the data warehouse. Other embodiments may also be described and claimed.

Abstract: Embodiments include apparatuses, methods, and systems for managing a data warehouse associated with an electronic payment transaction processing network. A first set of stores are active and a second set of stores are inactive in an offer program related to merchandise of a merchant. A first set of transaction records for a first set of transactions from the first set of stores and a second set of transaction records for a second set of transactions from the second set of stores are obtained. A first set of operations on the data warehouse for the first set of transaction records and a second set of operations on the data warehouse for the second set of transaction records may be performed. The second set of operations, different from the first set of operations, includes an update operation on the data warehouse. Other embodiments may also be described and claimed.

Abstract: Embodiments include apparatuses, methods, and systems for managing a data warehouse associated with an electronic payment transaction processing network. A first set of stores are active and a second set of stores are inactive in an offer program related to merchandise of a merchant. A first set of transaction records for a first set of transactions from the first set of stores and a second set of transaction records for a second set of transactions from the second set of stores are obtained. A first set of operations on the data warehouse for the first set of transaction records and a second set of operations on the data warehouse for the second set of transaction records may be performed. The second set of operations, different from the first set of operations, includes an update operation on the data warehouse. Other embodiments may also be described and claimed.

Abstract: Provided is a method for managing source identifiers of clustered records, which may include receiving a plurality of records, each having identification data associated with a source thereof. The records may be sorted into a first plurality of clusters. A first source identifier may be generated for each cluster. Update data associated with an update to the records may be received. At least some of the records may be sorted into a second plurality of clusters. A first cluster of the second plurality of clusters may have first identification data different from at least one cluster of the first plurality of clusters, and a second cluster of the second plurality of clusters may have identification data that substantially matches the at least one cluster. Whether to assign the first source identifier to the first or second cluster may be determined. A system and computer program product are also disclosed.

Abstract: Provided is a method for managing source identifiers of clustered records, which may include receiving a plurality of records, each having identification data associated with a source thereof. The records may be sorted into a first plurality of clusters. A first source identifier may be generated for each cluster. Update data associated with an update to the records may be received. At least some of the records may be sorted into a second plurality of clusters. A first cluster of the second plurality of clusters may have first identification data different from at least one cluster of the first plurality of clusters, and a second cluster of the second plurality of clusters may have identification data that substantially matches the at least one cluster. Whether to assign the first source identifier to the first or second cluster may be determined. A system and computer program product are also disclosed.

Abstract: Embodiments include apparatuses, methods, and systems for managing a data warehouse associated with an electronic payment transaction processing network. A first set of stores are active and a second set of stores are inactive in an offer program related to merchandise of a merchant. A first set of transaction records for a first set of transactions from the first set of stores and a second set of transaction records for a second set of transactions from the second set of stores are obtained. A first set of operations on the data warehouse for the first set of transaction records and a second set of operations on the data warehouse for the second set of transaction records may be performed. The second set of operations, different from the first set of operations, includes an update operation on the data warehouse. Other embodiments may also be described and claimed.

Abstract: A system and method may retrieve transaction data for a plurality of electronic payment system transactions. The transaction data may describe a plurality of electronic payment transactions between a payment network system and a plurality of merchants. The transaction data may include a transaction location and a merchant store number. The system and method may parse the transaction data to identify the transaction location and the merchant store number and analyze the retrieved and parsed transaction data to identify one or more centroids for at least a portion of the retrieved and parsed transaction data. The one or more centroids may correspond to a merchant location for each transaction of the retrieved and parsed transaction data. The system and method may then clean the retrieved and parsed transaction data having a transaction location outside a threshold distance from the one or more centroids to include accurate merchant store number data.

Abstract: Provided is a method for managing source identifiers of clustered records, which may include receiving a plurality of records, each having identification data associated with a source thereof. The records may be sorted into a first plurality of clusters. A first source identifier may be generated for each cluster. Update data associated with an update to the records may be received. At least some of the records may be sorted into a second plurality of clusters. A first cluster of the second plurality of clusters may have first identification data different from at least one cluster of the first plurality of clusters, and a second cluster of the second plurality of clusters may have identification data that substantially matches the at least one cluster. Whether to assign the first source identifier to the first or second cluster may be determined. A system and computer program product are also disclosed.

Abstract: A circuit and method for memory characterization. The circuit includes first and second programmable delay lines, address and data registers, an output register and a finite state machine controller. The finite state machine controller supplies an address to the address register, data to the data register and controlling a delay of the first programmable delay line and the second programmable delay line in at least one predetermined sequence to determine an operating characteristic of the memory to be tested. The programmable delay lines may be connected as a ring oscillator. Determination of the frequency of the ring oscillator via a counter determines the delay of the delay line. The programmable delay lines, the address register and data registers, the output register, the finite state machine controller and the memory to be tested are preferably constructed on a same semiconductor substrate.

Abstract: This invention is a circuit and method for memory characterization. The circuit includes first and second programmable delay lines, address and data registers, an output register and a finite state machine controller. The finite state machine controller supplies an address to said address register, data to said data register and controlling a delay of said first programmable delay line and said second programmable delay line in at least one predetermined sequence to determine an operating characteristic of the memory to be tested. The programmable delay lines may be connected as a ring oscillator. Determination of the frequency of the ring oscillator via a counter determines the delay of the delay line. The programmable delay lines, the address register and data registers, the output register, the finite state machine controller and the memory to be tested are preferably constructed on a same semiconductor substrate.

Abstract: Disclosed herein is a method for identifying a member of a group with particular demographic characteristics. The method involves identifying purchasing behaviors of members of a group with particular demographic characteristics via market research, gathering transaction data from a financial account of a user at a financial institution for processing transactions of the user with the multiple of merchants, using the market research to set prior probabilities that a user is a member of the group in a Bayesian belief network, analyzing the transaction data of the user via a Bayesian belief network to determine whether the transaction data of the user indicates that the user is an individual member of the group with the particular demographic characteristics, and presenting to the user at least one of an offer and a savings opportunity from a merchant seeking to contact members of the group with the particular demographic characteristics.

Abstract: A system and method of targeting users with a reward, offer, or incentive may include selecting at least one reward, offer, or incentive to present to a user by applying at least one rule, restriction, or filter dictated by a merchant to the set to be provided to the user, applying at least one rule, restriction, or filter dictated by a financial institution to the set, and applying a filter to the set to obtain those rewards, offers, or incentives with the highest likelihood of being accepted by the user. At least one parameter of the at least one reward, offer, or incentive is adjusted prior to presentation to the user based on a spending trajectory, user propensity model, user profile information or segmentation criteria, or campaign goal.

Abstract: Disclosed herein is a method for a merchant to gain information about the purchasing characteristics of a group with which the merchant wishes to interact. Merchants wishing to target group members are not able to specifically identify members of the group through depersonalized transaction data available from financial institutions. Group members are therefore identified through a traditional method: market research. The method also includes noting the purchasing behavior of group members, including providers of goods and services to group members, merchants not patronized by members of the group, and demographic characteristics of the group. An example of such a group is the so-called “millennials”. The identification of group members may be validated through test runs of financial data and fine-tuned to ensure correct identification of group members.