Visa Inc.
System and method for modeling customer behavior

Abstract:

A system and method for modeling customer behavior determines an identified merchant engagement level of at least one customer with respect to an identified merchant based at least partially on transaction data associated with a plurality of transactions between the at least one customer and the plurality of merchants. A peer merchant engagement level of the at least one customer with respect to the at least one peer merchant is determined based at least partially on the transaction data. A loyalty segment of the at least one customer is determined based at least partially on the identified merchant engagement level of the at least one customer and the peer merchant engagement level of the at least one customer. A target action associated with the identified merchant with respect to the at least one customer is automatically initiated, or caused to be initiated, based at least partially on the loyalty segment of the at least one customer.