Systems and Methods for Identifying Payment Accounts to Segments

Abstract

Systems and methods for use in identifying payment accounts to segments are provided. One exemplary method includes receiving a first indicator for a first location from a communication device, where the communication device is associated with a consumer and the consumer is associated with a payment account issued to the consumer by an issuer. The method also includes appending, by a computing device, the payment account to a first segment based on the first location indicator, and causing at least one rule associated with the payment account to be modified where the at least one rule relates to authorization of transactions in a first region including the first location.

What is claimed is: 
     
         1 . A computer-implemented method for use in identifying a payment account to a segment, the method comprising:
 receiving a first indicator for a first location from a communication device, the communication device associated with a consumer, and the consumer associated with a payment account issued to the consumer by an issuer;   appending, by a computing device, the payment account to a first segment based on the first location indicator; and   causing at least one rule associated with the payment account to be modified, the at least one rule relating to authorization of transactions in a first region including the first location.   
     
     
         2 . The computer-implemented method of  claim 1 , further comprising receiving a second indicator for a second location of the communication device;
 appending, by the computing device, the payment account to a second segment based on the second location indicator; and   modifying at least one rule associated with payment account and related to authorization of transactions in a second region including the second location.   
     
     
         3 . The computer-implemented method of  claim 2 , further comprising, after appending the payment account to the second segment, removing the payment account from the segment after a predefined interval, in which no indicator for a location within the second region is received from the communication device. 
     
     
         4 . The computer-implemented method of  claim 2 , further comprising receiving a third indicator for a third location of the communication device;
 removing the payment account from the segment, after receiving the third location indicator; and   appending, by the computing device, the payment account to a third segment, associated with a third region, based on the third location indicator.   
     
     
         5 . The computer-implemented method of  claim 2 , further comprising receiving a third indicator for a third location of the communication device;
 removing the payment account from the second segment, but not from the segment, after receiving the third location indicator; and   appending, by the computing device, the payment account to a third segment based on the third location indicator.   
     
     
         6 . The computer-implemented method of  claim 1 , wherein the payment account is associated with a default segment; and
 wherein the method further comprising, after a predefined interval, in which no indicator for a location within the region is received from the communication device, removing the payment account from the segment and appending the payment account to the default segment.   
     
     
         7 . The computer-implemented method of  claim 1 , wherein the at least one rule relates to a parameter associated with offline and/or online transactions, by the payment account. 
     
     
         8 . The computer-implemented method of  claim 1 , further comprising notifying the issuer when no transaction is directed to the payment account within a predetermined interval of receiving the indicator. 
     
     
         9 . The computer-implemented method of  claim 1 , further comprising transmitting a notification to the issuer, when the payment account is appended to the segment. 
     
     
         10 . One or more non-transitory computer readable storage media having computer-executable instructions embodied thereon for identifying payment accounts to segments based on locations, wherein when executed by a processor, the computer-executable instructions cause the processor to:
 receive an indicator for a location from a communication device, the communication device associated with a consumer and a payment account associated with the consumer, the payment account issued by an issuer;   append the payment account to a segment based on the location indicator; and   cause at least one rule associated with payment account to be modified, the at least one rule relating to authorization of transactions in a region including the location.   
     
     
         11 . The one or more non-transitory computer readable storage media of  claim 10 , wherein when executed by the processor, the computer-executable instructions further cause the processor to remove the payment account from at least one prior segment, when a number of segments including the payment account exceeds a predetermined threshold. 
     
     
         12 . The one or more non-transitory computer readable storage media of  claim 10 , wherein when executed by the processor, the computer-executable instructions further cause the processor to remove the payment account from at least one prior segment, when a number of segments including the payment account exceeds a predetermined threshold. 
     
     
         13 . The one or more non-transitory computer readable storage media of  claim 10 , wherein the region is a country, and
 wherein the at least one rules includes a restriction on a number of off-line transaction between on-line transactions.   
     
     
         14 . The one or more non-transitory computer readable storage media of  claim 10 , wherein when executed by the processor, the computer-executable instructions further cause the processor to:
 initiate a defined interval, after appending the payment account to the segment; and   remove the payment account from the segment, when the defined interval expires without a transaction to the payment account within region.   
     
     
         15 . The one or more non-transitory computer readable storage media of  claim 10 , wherein when executed by the processor, the computer-executable instructions further cause the processor to:
 initiate a defined interval, after appending the payment account to the segment; and   remove the payment account from the segment, when the defined interval expires without another location indicator from a location within the region.   
     
     
         16 . The one or more non-transitory computer readable storage media of  claim 10 , wherein when executed by the processor, the computer-executable instructions cause the processor to remove the payment account from at least one prior segment, other than a default segment, when a number of segments including the payment account exceeds a predetermined threshold. 
     
     
         17 . The one or more non-transitory computer readable storage media of  claim 10 , wherein when executed by the processor, the computer-executable instructions cause the processor to notify the issuer regarding the payment account being appended to the segment. 
     
     
         18 . The one or more non-transitory computer readable storage media of  claim 10 , wherein when executed by the processor, the computer-executable instructions further cause the processor to
 determine when at least one transactions parameter associated with a payment account, within a defined interval, exceeds a predefined threshold, the at least one transactions parameter including a number of total transactions for the payment account and/or a total spend for the payment account   append, by a computing device, the payment account to a segment based on the transaction parameter exceeding the predefined threshold; and   cause at least one rule associated with payment account to be modified.   
     
     
         19 . A computer-implemented method for use in identifying a payment account to a segment, the method comprising:
 determining, by a computing device, when at least one transactions parameter to a payment account satisfies a predefined threshold, and   appending, by a computing device, the payment account to a segment based on the at least one transactions parameter satisfies the predefined threshold; and   causing at least one rule associated with payment account to be modified.   
     
     
         20 . The computer-implemented method of  claim 19 , further comprising removing the payment account from the segment when the transaction parameter no longer satisfies the predefined threshold; and
 transmitting, by the computing device, a notification to an issuer associated with the payment account indicating that the payment account has been appended to the segment;   wherein determining when the transactions to a payment account exceeds the predefined threshold includes determining when a number of total transactions for the payment account satisfies the predefined threshold and/or determining when a total spend for the payment account satisfies the predefined threshold.   
     
     
         21 . The computer-implemented method of  claim 19 , wherein causing at least one rule associated with the payment account to be modified includes causing the at least one rule to be modified when at least one predefined criteria is satisfied.