{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11989745","patent":{"patent_number":"US-11989745","title":"Systems and methods for predicting consumer spending behavior based on historical transaction activity progressions","assignee":null,"inventors":[],"filing_date":"2021-04-21T00:00:00.000Z","publication_date":"2024-05-21T00:00:00.000Z","cpc_codes":["G06Q","G06Q"],"num_claims":20,"abstract":"Systems and methods are disclosed for predicting consumer spending behavior based on historical purchase activity progressions. One method includes: receiving transaction data related to two or more past payment transactions of a consumer; receiving environmental and/or behavioral data associated with each of the past payment transactions; determining, based on the transaction data and environmental and/or behavioral data, historical purchase activity progressions, wherein each of the historical purchase activity progressions identifies one or more trends in environmental and/or behavioral data; receiving transaction data related to a current payment transaction of the consumer; receiving environmental and/or behavioral data associated with the current payment transaction; comparing the environmental and/or behavioral data associated with one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction; and determining whether a progression of one or more of the past payment transactions to the current payment transaction maps to one of the historical purchase activity progressions."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Systems and methods for predicting consumer spending behavior based on historical transaction activity progressions","description":"Systems and methods are disclosed for predicting consumer spending behavior based on historical purchase activity progressions. One method includes: receiving transaction data related to two or more p","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11989745","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11989745","citation_suggestion":"Patentable. \"Systems and methods for predicting consumer spending behavior based on historical transaction activity progressions\" (US-11989745). https://patentable.app/patents/US-11989745","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11989745","json":"https://patentable.app/api/llm-context/US-11989745","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T03:24:25.458Z"}