Methods and systems for data analytics for payment facilitators

11328,309

15/926183

March 20, 2018

Systems and methods for providing analytics data to payment facilitators and sub-merchants via a dynamic dashboard. Methods comprise receiving a request for analytics data associated with transaction data received at a point of sale terminal operated by a sub-merchant of the payment facilitator; querying, a transaction database of the acquirer processor computing system for the analytics data responsive to the request; transmitting the analytics data from the acquirer processor computing system to the payment facilitator computing system if the request for analytics data originates from the payment facilitator; transmitting the analytics data from the acquirer processor computing system to a sub-merchant computing system if the request for analytics data originates from the sub-merchant of the payment facilitator; and generating an electronic dashboard presenting the queried analytics data responsive to the request, for display on a screen of the payment facilitator computing system or the sub-merchant computing system.

Vantiv, LLC (Symmes Township, OH, US)

Worldpay, LLC (Symmes Township, OH, US)

1. A computer-implemented method for providing analytics data to a payment facilitator from one or more payment acquirer processing computer systems, comprising: receiving, in real-time, at an acquirer processor computing system, from a payment facilitator computing system or a sub-merchant of the payment facilitator, a request for the analytics data associated with transaction data received at a point of sale terminal operated by the sub-merchant of the payment facilitator; generating, by the acquirer processor computing system, the analytics data associated with the transaction data, wherein the analytics data is predictive data based on historical and real-time transaction data, and wherein the transaction data is sorted and a weighted algorithm is applied to the sorted transaction data to predict relevant transaction data to the payment facilitator computing system, the sub-merchant of the payment facilitator, or a combination thereof; transmitting, in real-time, by the acquirer processor computing system, the analytics data to the payment facilitator computing system if the request originated from the payment facilitator or to a sub-merchant computing system if the request originated from the sub-merchant of the payment facilitator; and generating, by the acquirer processor computing system, an electronic dashboard presenting the analytics data on a screen of the payment facilitator computing system or the sub-merchant computing system, wherein the electronic dashboard comprises: temporal data, a heat map indicating projected transaction volume, and at least one recommendation for optimizing transaction volume, wherein the generating comprises segmenting the screen into one or more regions and wherein the analytics data is presented within the one or more regions; identifying, by the acquirer processor computing system, a vacant region of the one or more regions not containing the analytics data; determining, by the acquirer processor computing system, whether an article of additional analytics data should be displayed in the vacant region, wherein the determining comprises: running, by the acquirer processor computing system, a visibility code on the article of additional analytics data; and assessing a view-ability of the article of additional analytics data in the vacant region based on pixel information and screen size data; and automatically displaying, responsive to determining that the visibility code indicates that the article of additional analytics data is discernable in the vacant region and that the view-ability of the article of additional analytics data in the vacant region is acceptable, the article of additional analytics data in the vacant region.

2. The computer-implemented method of claim 1 , wherein the transaction data received at the point of sale terminal includes personally identifiable information, and wherein the personally identifiable information is a hash code or an alpha-numeric code.

3. The computer-implemented method of claim 1 , wherein the request for the analytics data originates from the sub-merchant computing system and is transmitted to the payment facilitator computing system, and wherein the payment facilitator computing system forwards the request for the analytics data to the acquirer processor computing system.

4. The computer-implemented method of claim 3 , wherein the transaction data is aggregated in a database and indexed to the sub-merchants and the payment facilitator according to a unique sub-merchant identifier and a unique payment facilitator identifier, and wherein the database is a blockchain.

5. The computer-implemented method of claim 3 , wherein the request for the analytics data is initiated by the sub-merchant or the payment facilitator by a gesture, wherein the gesture include zooming in, zooming out, clicking via a mouse, and a change in geographic location of a computing device.

6. The computer-implemented method of claim 3 , wherein in response to the request for the analytics data, the acquirer processor computing system transmits the custom analytics report] to the electronic dashboard of the sub-merchant computing system or the payment facilitator computing system; and wherein the custom analytics report presented on the electronic dashboard include the heat map with a spectrum from bright to dark colors to indicate high-to-low transaction activity, spending patterns, and fraud.

7. A computer system for providing analytics data for display on a screen of a payment facilitator computing system or a sub-merchant computing system, comprising: a memory having processor-readable instructions stored therein; and a processor configured to access the memory and execute the processor-readable instructions, which when executed by the processor configures the processor to perform plurality of functions, including functions for: receiving, in real-time, at an acquirer processor computing system, from a payment facilitator computing system, a request for the analytics data associated with transaction data received at a point of sale terminal operated by a sub-merchant of the payment facilitator; generating, by the acquirer processor computing system, the analytics data associated with the transaction data, wherein the analytics data is predictive data based on historical and real-time transaction data, and wherein the transaction data is sorted and a weighted algorithm is applied to the sorted transaction data to predict relevant transaction data to the payment facilitator computing system, the sub-merchant of the payment facilitator, or a combination thereof; transmitting, in real-time, by the acquirer processor computing system, the analytics data to the payment facilitator computing system if the request originated from the payment facilitator or to a sub-merchant computing system if the request originated from the sub-merchant of the payment facilitator; and generating, by the acquirer processor computing system, an electronic dashboard presenting the analytics data on a screen of the payment facilitator computing system or the sub-merchant computing system, wherein the electronic dashboard comprises: temporal data, a heat map indicating projected transaction volume, at least one recommendation for optimizing transaction volume, wherein the generating comprises segmenting the screen into one or more regions and wherein the analytics data is presented within the one or more regions; identifying, by the acquirer processor computing system, a vacant region of the one or more regions not containing the analytics data; determining, by the acquirer processor computing system, whether an article of additional analytics data should be displayed in the vacant region, wherein the determining comprises: running, by the acquirer processor computing system, a visibility code on the article of additional analytics data; and assessing a view-ability of the article of additional analytics data in the vacant region based on pixel information and screen size data; and automatically displaying, responsive to determining that the visibility code indicates that the article of additional analytics data is discernable in the vacant region and that the view-ability of the article of additional analytics data in the vacant region is acceptable, the article of additional analytics data in the vacant region.

8. The computer system of claim 7 , wherein the transaction data received at the point of sale terminal includes personally identifiable information, and wherein the personally identifiable information is a hash code or an alpha-numeric code.

9. The computer system of claim 7 , wherein the request for the analytics data originates from the sub-merchant computing system and is transmitted to the payment facilitator computing system, and wherein the payment facilitator computing system forwards the request for the analytics data to the acquirer processor computing system.

10. The computer system of claim 9 , wherein the transaction data is aggregated in a database and indexed to the sub-merchants and the payment facilitator according to a unique sub-merchant identifier and a unique payment facilitator identifier, and wherein the database is a blockchain.

11. The computer system of claim 9 , wherein in response to the request for the analytics data, the acquirer processor computing system transmits the custom analytics report to the electronic dashboard of the sub-merchant computing system or the payment facilitator computing system; and wherein the custom analytics report presented on the electronic dashboard include the heat map with a spectrum from bright to dark colors to indicate high-to-low transaction activity, spending patterns, and fraud.

12. A non-transitory computer-readable medium for providing analytics data from one or more payment acquirer processing computer systems, comprising: a memory having processor-readable instructions stored therein, to direct a processor for: receiving, in real-time, at an acquirer processor computing system, from a payment facilitator computing system, a request for the analytics data associated with transaction data received at a point of sale terminal operated by a sub-merchant of the payment facilitator; generating, by the acquirer processor computing system, the analytics data associated with the transaction data, wherein the analytics data is predictive data based on historical and real-time transaction data, and wherein the transaction data is sorted and a weighted algorithm is applied to the sorted transaction data to predict relevant transaction data to the payment facilitator computing system; transmitting, in real-time, by the acquirer processor computing system, the analytics data to the payment facilitator computing system if the request originated from the payment facilitator; and generating, by the acquirer processor computing system, an electronic dashboard presenting the analytics data on a screen of the payment facilitator computing system or the sub-merchant computing system, wherein the electronic dashboard comprises: temporal data, a heat map indicating projected transaction volume presented sequentially in a center of the screen, and at least one recommendation for optimizing transaction volume, wherein the generating comprises segmenting the screen into one or more regions and wherein the analytics data is presented within the one or more regions; identifying, by the acquirer processor computing system, a vacant region of the one or more regions not containing the analytics data; determining, by the acquirer processor computing system, whether an article of additional analytics data should be displayed in the vacant region, wherein the determining comprises: running, by the acquirer processor computing system, a visibility code on the article of additional analytics data; and assessing a view-ability of the article of additional analytics data in the vacant region based on pixel information and screen size data; and automatically displaying, responsive to determining that the visibility code indicates that the article of additional analytics data is discernable in the vacant region and that the view-ability of the article of additional analytics data in the vacant region is acceptable, the article of additional analytics data in the vacant region.

13. The non-transitory computer-readable medium of claim 12 , wherein the transaction data received at the point of sale terminal includes personally identifiable information, and wherein the personally identifiable information is a hash code or an alpha-numeric code.

14. The non-transitory computer-readable medium of claim 12 , wherein the request for the analytics data originates from the sub-merchant computing system and is transmitted to the payment facilitator computing system, and wherein the payment facilitator computing system forwards the request for the analytics data to the acquirer processor computing system.

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