Systems and methods for generating travel recommendations

Patent metadata

Field	Value
Publication number	US-2017193550-A1
Application number	US-201514984559-A
Country	US
Kind code	A1
Filing date	Dec 30, 2015
Priority date	Dec 30, 2015
Publication date	Jul 6, 2017
Grant date	—

Abstract

Systems and methods for recommending merchants at a travel destination of a cardholder are provided. A travel analyzing computing system may include a retriever configured to obtain transaction data including addendum data from a travel-based transaction of a cardholder, an analyzer configured to analyze the addendum data and extract a travel destination of the cardholder from the addendum data, a categorizer configured to determine a spending category of the cardholder, from among a plurality of spending categories, based upon historical transaction data of the cardholder, and a processor configured to recommend one or more merchants to the cardholder based upon the extracted travel destination and the determined spending category of the cardholder.

First claim

What is claimed is:

1 . A travel analyzing computing device comprising:
a retriever configured to obtain transaction data including addendum data from a travel-based transaction of a cardholder; an analyzer configured to analyze the transaction data including the addendum data and extract a travel destination of the cardholder from the addendum data; a categorizer configured to determine a spending category of the cardholder, from among a plurality of spending categories, based upon historical transaction data of the cardholder; and a processor configured to recommend one or more merchants to the cardholder based upon the extracted travel destination and the determined spending category of the cardholder.

2 . The travel analyzing computing device of claim 1 , further comprising a transmitter configured to transmit information about the one or more recommended merchants to a computing device of the cardholder.

3 . The travel analyzing computing device of claim 1 , wherein the processor is configured to recommend merchants that have a predetermined popularity with other cardholders who are in the same spending category as the cardholder and who have traveled to the travel destination.

4 . The travel analyzing computing device of claim 1 , wherein the processor is configured to recommend a merchant that is most popular with a plurality of cardholders who are in the same spending category as the spending category of the cardholder and who have traveled to the travel destination.

5 . The travel analyzing computing device of claim 1 , wherein the plurality of spending categories comprise a business traveler spending category and a family vacationer spending category.

6 . The travel analyzing computing device of claim 1 , wherein the addendum data is added to the travel-based transaction during a clearing process of the travel-based transaction.

7 . The travel analyzing computing device of claim 1 , wherein the travel-based transaction comprises an airline ticket transaction and the addendum data comprises at least one of a flight destination, a flight number, a flight time, and a class of passenger seating on the flight.

8 . The travel analyzing computing device of claim 1 , wherein the travel-based transaction comprises a rental car transaction and the addendum data comprises at least one of a pickup and drop-off location, a miles driven record, an insurance type, a corporate flag, a tax exemption flag, and a rental class.

9 . The travel analyzing computing device of claim 1 , wherein the travel-based transaction comprises a hotel booking transaction and the addendum data comprises at least one of a hotel charge for a restaurant, a hotel charge for a bar, a hotel charge for a spa, a hotel charge for a fitness center, a hotel charge for a banquet hall, a hotel charge for a business center, and a hotel charge for a conference room.

10 . The travel analyzing computing device of claim 1 , wherein the retriever is configured to obtain the addendum data in response to a clearing process of the travel-based transaction being completed.

11 . The travel analyzing computing device of claim 1 , wherein the historical transaction data includes previous purchases of the cardholder and the obtained addendum data.

12 . A computer-implemented method for recommending merchants located near a travel destination of a cardholder, the method being implemented by a travel analyzing computing device, the method comprising:
obtaining transaction data including addendum data from a travel-based transaction of a cardholder; analyzing the addendum data and extracting a travel destination of the cardholder from the addendum data; determining a spending category of the cardholder, from among a plurality of spending categories, based upon historical transaction data of the cardholder; and recommending one or more merchants to the cardholder based upon the extracted travel destination and the determined spending category of the cardholder.

13 . The method of claim 12 , further comprising transmitting information about the one or more recommended merchants to a computing device of the cardholder.

14 . The method of claim 12 , wherein the recommending comprises recommending a merchant at the travel destination that has a predetermined popularity with other cardholders who are in the same spending category as the cardholder and who have traveled to the travel destination.

15 . The method of claim 12 , wherein the recommending comprises recommending a merchant at the travel destination that is most popular with a plurality of cardholders who are in the same spending category as the spending category of the cardholder and who have traveled to the travel destination.

16 . The method of claim 12 , wherein the plurality of spending categories comprise a business traveler spending category and a family vacationer spending category.

17 . The method of claim 12 , wherein the addendum data is added to the travel-based transaction during a clearing process of the travel-based transaction.

18 . The method of claim 12 , wherein the travel-based transaction comprises an airline ticket transaction and the addendum data comprises at least one of a flight destination, a flight number, a flight time, and a class of passenger seating on the flight.

19 . The method of claim 12 , wherein the travel-based transaction comprises a rental car transaction and the addendum data comprises at least one of a pickup and drop-off location, a miles driven record, an insurance type, a corporate flag, a tax exemption flag, and a rental class.

20 . The method of claim 12 , wherein the travel-based transaction comprises a hotel booking transaction and the addendum data comprises at least one of a hotel charge for a restaurant, a hotel charge for a bar, a hotel charge for a spa, a hotel charge for a fitness center, a hotel charge for a banquet hall, a hotel charge for a business center, and a hotel charge for a conference room.

21 . The method of claim 12 , wherein the retrieving occurs in response to a clearing process of the travel-based transaction being completed.

22 . The method of claim 12 , wherein the historical transaction data includes previous purchases of the cardholder and the obtained addendum data.

23 . A non-transitory computer-readable storage media having computer-executable instructions embodied thereon, when executed by at least one processor, the computer-executable instructions cause the at least one processor to:
obtain transaction data including addendum data from a travel-based transaction of a cardholder; analyze the addendum data and extract a travel destination of the cardholder from the addendum data; determine a spending category of the cardholder, from among a plurality of spending categories, based upon historical transaction data of the cardholder; and recommend one or more merchants based upon the extracted travel destination and the determined spending category of the cardholder.

Assignees

• Mastercard International Inc

Inventors

• Misra Sukanyya
• Wang Qian
• Pastore Jeremy Michael
• Haisley Matthew

Classifications

• G06Q30/0255 Primary

  based on user history · CPC title

• G06Q10/02

  Reservations, e.g. for tickets, services or events · CPC title

• G06Q10/0283

  for travel seating · CPC title