Deterministic Rules Protocol To Determine A Score

Abstract

Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A SBO identification network host may comprise various modules and engines as discussed herein wherein the probability that a cardholder is a small business owner may be evaluated for establishing proper usage of differentiated transaction instruments according to their proper purposes, marketing and cross-marketing of differentiated transaction instruments, and provision of value-added services. For instance, a probable SBO may be identified, whereby the SBO identification network network may tailor the handling of the transactions, such as by denying them, whereby the transaction network may actively deter misuse of transaction products, or tailor the handling of electronically delivered advertisements, such as by targeting them, whereby the SBO identification network more properly functions according to approved parameters.

What is claimed is: 
     
         1 . A method comprising:
 creating, by a processor, a consumer group by identifying consumers within a consumer base that have a merchant relationship with a transaction account provider;   eliminating, by the processor, a subset of the consumers from the consumer group that are associated with data elements that are inconsistent and indicative that a subset of consumers are simultaneously in a category and not in the category;   determining, by the processor, a score for each of the consumers according to a deterministic rules protocol using a model directive; and   assigning, by the processor, the score to each of the consumers.   
     
     
         2 . The method of  claim 1 , further comprising extracting, by the processor, the consumer base from the data elements, wherein the data elements are from a data element source set associated with the consumers, and wherein the data elements are from a node of a distributed storage system. 
     
     
         3 . The method of  claim 1 , wherein having the merchant relationship with the transaction account provider includes the consumers having completed transactions with at least one merchant using a transaction account associated with the transaction account provider. 
     
     
         4 . The method of  claim 1 , further comprising computing, by the processor, the model directive and a deterministic rules directive for the deterministic rules protocol. 
     
     
         5 . The method of  claim 1 , wherein the score comprises the model directive in response to a deterministic rules directive for the deterministic rules protocol not indicating a deterministic outcome. 
     
     
         6 . The method of  claim 1 , wherein the score comprises a deterministic rules directive in response to the deterministic rules directive for the deterministic rules protocol indicating a deterministic outcome. 
     
     
         7 . The method of  claim 1 , further comprising receiving, by the processor, data representative of the consumers and representative of a tag associated with the score. 
     
     
         8 . The method of  claim 1 , further comprising electronically indicating, by the processor, cross selling opportunities associated with a tag associated with the score. 
     
     
         9 . The method of  claim 1 , further comprising extracting, by the processor, the consumer base from the data elements, wherein the data elements are from a data element source set associated with the consumers, wherein the data element source set comprises prospect data comprising at least one of demographics, income, tradeline history, family status, social media posting, or employment data of prospective consumers. 
     
     
         10 . The method of  claim 1 , further comprising extracting, by the processor, the consumer base from the data elements, wherein the data elements are from a data element source set associated with the consumers, and wherein the data element source set comprises click stream data comprising internet browsing history for the consumers. 
     
     
         11 . The method of  claim 1 , further comprising extracting, by the processor, the consumer base from the data elements, wherein the data elements are from a data element source set associated with the consumers, and wherein the data element source set comprises email data comprising text mining of email contents of the consumers. 
     
     
         12 . The method of  claim 1 , further comprising extracting, by the processor, the consumer base from the data elements, wherein the data elements are from a data element source set associated with the consumers, and wherein the data element source set comprises remittance data comprising banking data comprising at least one of historical account balance, present account balance, or transactions of the consumers. 
     
     
         13 . The method of  claim 1 , wherein the score comprises a value between zero and one indicative of a probability that the consumers are small business owners. 
     
     
         14 . The method of  claim 1 , further comprising comparing, by the processor, the score to a scoring threshold. 
     
     
         15 . The method of  claim 1 , further comprising determining, by the processor, a deterministic rules directive for the deterministic rules protocol in response to a rule set. 
     
     
         16 . The method of  claim 1 , further comprising determining, by the processor, a deterministic rules directive for the deterministic rules protocol in response to a rule set, wherein the rule set comprises deterministic rules indicative that the consumers are in the category. 
     
     
         17 . The method of  claim 1 , further comprising determining, by the processor, a deterministic rules directive for the deterministic rules protocol in response to a rule set, wherein the rule set comprises deterministic rules indicative that the consumers are in the category, and wherein the deterministic rules comprise:
 the data elements depicting an active merchant relationship;   the data elements depicting a commercial credit report inquiry; and   the data elements depicting existing credit financials.   
     
     
         18 . The method of  claim 1 , further comprising determining, by the processor, a deterministic rules directive for the deterministic rules protocol in response to a rule set, wherein the rule set comprises deterministic rules indicative that the consumers are in the category, and wherein the deterministic rules comprise at least one of:
 the data elements depicting an active merchant relationship;   the data elements depicting a commercial credit report inquiry; or   the data elements depicting existing credit financials.   
     
     
         19 . An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a processor, cause the processor to perform operations comprising:
 creating, by the processor, a consumer group by identifying consumers within a consumer base that have a merchant relationship with a transaction account provider;   eliminating, by the processor, a subset of the consumers from the consumer group that are associated with data elements that are inconsistent and indicative that a subset of consumers are simultaneously in a category and not in the category;   determining, by the processor, a score for each of the consumers according to a deterministic rules protocol using a model directive; and   assigning, by the processor, the score to each of the consumers.   
     
     
         20 . A system comprising:
 a processor; and   a tangible, non-transitory memory configured to communicate with the processor,
 wherein the tangible, non-transitory memory has instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations; 
   creating, by the processor, a consumer group by identifying consumers within a consumer base that have a merchant relationship with a transaction account provider;   eliminating, by the processor, a subset of the consumers from the consumer group that are associated with data elements that are inconsistent and indicative that a subset of consumers are simultaneously in a category and not in the category;   determining, by the processor, a score for each of the consumers according to a deterministic rules protocol using a model directive; and   assigning, by the processor, the score to each of the consumers.