METHOD FOR PREDICTING PURCHASING BEHAVIOUR OF DIGITAL WALLET USERS FOR WALLET-BASED TRANSACTIONS

摘要

A computer-implemented method for predicting purchasing behaviour of digital wallet users for wallet-based transactions made by the digital wallet users, the digital wallet users satisfying a profile characteristic, is provided. The method comprises identifying payment card users having a profile characteristic that matches the profile characteristic of the digital wallet users; retrieving historical transaction data by querying a transaction database, the historical transaction data relating to a plurality of historical transactions settled for the identified payment card users; identifying, from the retrieved historical transaction data, transaction information of the identified payment card users to derive purchasing behaviour of the identified payment card users; and predicting the purchasing behaviour of the digital wallet users for the wallet-based transactions made by the digital wallet users, based on the derived purchasing behaviour of the identified payment card users.