Method and system for inferring an individual cardholder's demographic data from shopping behavior and external survey data using a bayesian network

This invention describes a system that uses a type of artificial intelligence called a Bayesian network to guess a person's demographic details, like their gender or race, based on their shopping habits. It combines general market research about what different groups buy with an individual's financial transaction data to predict their characteristics, then uses this prediction to send them tailored offers.

Why it matters: The computational power and machine learning frameworks for processing vast transaction data and building complex probabilistic models have become significantly more accessible and powerful since 2015. However, privacy regulations around demographic data are also much stricter now.

Status: ExpiredProtection ended and was never renewed
How hard to build: SpecializedSoftware logic, data integration, machine learning

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