Annotating a transaction history record with merchant information identified from a merchant identifier and user computing device location data

Abstract

A payment processing system receives one or more indications of a user's location at a time that the user initiates a transaction with a merchant system at a physical location of the merchant system, processes the transaction, and receives a merchant point of sale identifier from the issuer system associated with the financial account information selected by the user. The payment processing system creates a combined list of candidate merchant identities based on the received merchant POS identifier and the user computing device location. The payment processing system calculates a probability for each of the merchant identities in the list based on similarity to the merchant POS identifier and user location data. The payment processing system associates the merchant POS identifier with the merchant identity having the highest probability and creates an annotated transaction record to display to the user.

1 - 20 . (canceled) 
     
     
         21 . A computer-implemented method for annotating processing request histories, comprising, by one or more computing devices:
 logging location data received from a user computing device, the location data comprising a location of the user computing device at a time of a processing request with a service system;   receiving an approval corresponding to the processing request and a service system identifier;   determining, based on the location data, the location of the user computing device at the time of the processing request;   generating a list of candidate identifiers based on the system identifier and the location;   retrieving, for each candidate identifier, aggregate data comprising a first probability that the candidate identifier corresponds to the location;   determining, for each of the candidate identifiers, a combined probability that the system identifier corresponds to the location based on the system identifier, the aggregate data, and the determined location;   annotating a record with the candidate identifier having a highest combined probability; and   communicating the annotated record to the user computing device.   
     
     
         22 . The method of  claim 21 , further comprising, by the one or more computing devices:
 generating a first sub list of candidate service system identifiers based on the received service system identifier and a second sub list of candidate service system identifiers based on the location;   determining a first probability for each candidate system identifier based on similarity to the received service system identifier; and   determining a second probability for each candidate service system identifier based on similarity to information associated with the location,
 wherein the list of candidate identifiers is generated based on the first and second sub lists, and 
 wherein determining the combined probability for each candidate identifier comprises determining a product of the first probability and the second probability. 
   
     
     
         23 . The method of  claim 21 , wherein the received service system identifier is specific to a computing device at a location associated with a particular service system and comprises a string of alphanumeric characters and/or symbols. 
     
     
         24 . The method of  claim 21 , wherein determining the location comprises accessing a location history associated with the user computing device and selecting one or more location data within a certain time range of the time associated with the processing request, and wherein the list of candidate identifiers is generated based on the one or more selected location data. 
     
     
         25 . The method of  claim 21 , further comprising, by the one or more computing devices:
 receiving, from a search system, one or more search terms associated with the service system from the user computing device, wherein determining the combined probability for each of the candidate identifiers is further based on the one or more search terms.   
     
     
         26 . The method of  claim 21 , wherein the annotated record comprises a link, and further comprising, by the one or more computing devices:
 receiving, from the user computing device, a selection of the link in the annotated record; and   transmitting, to the user computing device, a map indicating a location of a particular service system corresponding to the candidate identifier comprising the highest combined probability and instructions causing the user computing device to display the map.   
     
     
         27 . A computer program product to annotate processing request histories, comprising:
 a non-transitory computer-readable medium having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to:
 log location data received from a user computing device, the location data comprising a location of the user computing device at a time of a processing request with a service system; 
 receive an approval corresponding to the processing request and a service system identifier; 
 determine, based on the location data, the location of the user computing device at the time of the processing request; 
 generate a list of candidate identifiers based on the system identifier and the location; 
 retrieve, for each candidate identifier, aggregate data comprising a first probability that the candidate identifier corresponds to the location; 
 determine, for each of the candidate identifiers, a combined probability that the system identifier corresponds to the location based on the system identifier, the aggregate data, and the determined location; 
 annotate a record with the candidate identifier having a highest combined probability; and 
 communicate the annotated record to the user computing device. 
   
     
     
         28 . The computer program product of  claim 27 , wherein the annotated record comprises a link, the non-transitory computer-readable medium further having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to:
 receive, from the user computing device, a selection of the link in the annotated record; and   transmit, to the user computing device, a map indicating a location of a particular service system corresponding to the candidate identifier comprising the highest combined probability and instructions causing the user computing device to display the map.   
     
     
         29 . The computer program product of  claim 27 , the non-transitory computer-readable medium further having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to:
 generate a first sub list of candidate service system identifiers based on the received service system identifier and a second sub list of candidate service system identifiers based on the location;   determine a first probability for each candidate system identifier based on similarity to the received service system identifier; and   determine a second probability for each candidate service system identifier based on similarity to information associated with the location,
 wherein the list of candidate identifiers is generated based on the first and second sub lists, and 
 wherein determining the combined probability for each candidate identifier comprises determining a product of the first probability and the second probability. 
   
     
     
         30 . The computer program product of  claim 27 , wherein the received service system identifier is specific to a computing device at a location associated with a particular service system and comprises a string of alphanumeric characters and/or symbols. 
     
     
         31 . The computer program product of  claim 27 , wherein determining the location comprises accessing a location history associated with the user computing device and selecting one or more location data within a certain time range of the time associated with the processing request, and wherein the list of candidate identifiers is generated based on the one or more selected location data. 
     
     
         32 . The computer program product of  claim 27 , wherein the authorization request is transmitted to a processing system and wherein the approval of the authorization request and the service system identifier are received from the processing system. 
     
     
         33 . The computer program product of  claim 27 , the non-transitory computer-readable medium further having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to receive, from a search system, one or more search terms associated with the service system from the user computing device, wherein determining the combined probability for each of the candidate identifiers is further based on the one or more search terms. 
     
     
         34 . A system for annotating processing request histories, comprising:
 a storage device; and   a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to:
 log location data received from a user computing device, the location data comprising a location of the user computing device at a time of a processing request with a service system; 
 receive an approval corresponding to the processing request and a service system identifier; 
 determine, based on the location data, the location of the user computing device at the time of the processing request; 
 generate a list of candidate identifiers based on the system identifier and the location; 
 retrieve, for each candidate identifier, aggregate data comprising a first probability that the candidate identifier corresponds to the location; 
 determine, for each of the candidate identifiers, a combined probability that the system identifier corresponds to the location based on the system identifier, the aggregate data, and the determined location; 
 annotate a record with the candidate identifier having a highest combined probability; and 
 communicate the annotated record to the user computing device. 
   
     
     
         35 . The system of  claim 34 , wherein the annotated record comprises a link, and wherein the processor is further configured to execute computer-readable program instructions stored in the storage device to cause the system to:
 receive, from the user computing device, a selection of the link in the annotated record; and   transmit, to the user computing device, a map indicating a location of a particular service system corresponding to the candidate identifier comprising the highest combined probability and instructions causing the user computing device to display the map.   
     
     
         36 . The system of  claim 34 , wherein the processor is further configured to execute computer-readable program instructions stored in the storage device to cause the system to receive, from the user computing device, at a time before receiving the request to process the payment transaction, a search term from a user computing device, wherein determining the combined probability for each of the candidate identifiers is further based on the received search term. 
     
     
         37 . The system of  claim 34 , wherein determining the user computing device location at the time of the transaction comprises accessing a location history associated with the user computing device and selecting one or more location data within a certain time range of the time the user initiated the transaction and wherein the list of candidate identifiers is generated based on the one or more selected location data. 
     
     
         38 . The system of  claim 34 , wherein the payment request is transmitted to a financial institution system and wherein the approval of the payment authorization request and the received service system identifier are received from the financial institution system. 
     
     
         39 . The system of  claim 34 , wherein the received service system identifier is specific to a computing device at a location associated with a particular service system and comprises a string of alphanumeric characters and/or symbols. 
     
     
         40 . The system of  claim 34 , wherein the processor is further configured to execute computer-readable program instructions stored in the storage device to cause the system to:
 generate a first sub list of candidate service system identifiers based on the received service system identifier and a second sub list of candidate service system identifiers based on the location;   determine a first probability for each candidate system identifier based on similarity to the received service system identifier; and   determine a second probability for each candidate service system identifier based on similarity to information associated with the location,
 wherein the list of candidate identifiers is generated based on the first and second sub lists, and 
 wherein determining the combined probability for each candidate identifier comprises determining a product of the first probability and the second probability.