1. A method comprising:
determining, by a transaction analysis computer processor, an aggregate transaction value over a period of time from transaction data from transactions between a merchant in a merchant industry and an account holder in an account holder industry group,
filtering, by the computer processor, by account holder account tenure and by merchant account tenure, wherein the account holder account tenure comprises a period of time during which the account holder has held open an account holder transaction account, and wherein the merchant account tenure comprises a period of time during which the merchant has held open a merchant transaction account,
developing, by the computer processor, an industry strategy based upon the determining and filtering; and
targeting, by the computer processor, a first advertisement to the merchant and a second advertisement to the account holder.
2. The method of claim 1, further comprising grouping, by the computer processor, the merchant by industry in the merchant industry group.
3. The method of claim 1, further comprising grouping, by the computer processor, the account holder by industry in the account holder industry group.
4. The method of claim 1, wherein the account holder is a business organization.
5. The method of claim 1, wherein at least one of grouping of the merchant and grouping of the account holder is by a standard industry classification (SIC) code.
6. The method of claim 1, further comprising at least one of:
determining a number of transactions;
determining a transaction amount;
determining a number of account holder accounts;
determining a number of merchant accounts;
filtering by geography;
filtering by card product;
filtering to segment a market;
listing the merchant by the merchant industry group;
listing the account holder by the account holder industry group; and
determining a trend in transaction data over time.
7. The method of claim 1, wherein the transaction data includes at least one of:
a transaction amount;
a number of transactions per merchant;
a number of transactions per account holder;
a merchant geographical location;
an account holder geographical location,
a merchant tenure; and
an account holder tenure.
8. The method of claim 1, wherein the industry strategy comprises at least one of:
identifying a risk associated with the merchant and the account holder; and
determining an optimal ratio of price of advertising to return on advertising.
9. The method of claim 1, further comprising evaluating the advertisement to at least one of the merchant and the account holder based on the filtering.
10. The method of claim 1, further comprising determining a transaction risk based on the filtering.
11. An article of manufacture comprising a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a transaction analysis computer-based system, cause the computer-based system to be capable of performing operations comprising:
determining, by the computer-based system, an aggregate transaction value over a period of time from transaction data from transactions between a merchant in a merchant industry and an account holder in an account holder industry group,
filtering, by the computer-based system, by account holder account tenure and by merchant account tenure, wherein the account holder account tenure comprises a period of time during which the account holder has held open an account holder transaction account, and wherein the merchant account tenure comprises a period of time during which the merchant has held open a merchant transaction account,
developing, by the computer-based system, an industry strategy based upon the determining and filtering; and
targeting, by the computer-based system, a first advertisement to the merchant and a second advertisement to the account holder.
12. The article of claim 11, further comprising grouping, by the computer-based system, the merchant by industry in the merchant industry group.
13. The article of claim 11, further comprising grouping, by the computer-based system, the account holder by industry in the account holder industry group.
14. The article of claim 11, wherein at least one of grouping of the merchant and grouping of the account holder is by a standard industry classification (SIC) code.
15. The article of claim 11, further comprising at least one of:
determining a number of transactions;
determining a transaction amount;
determining a number of account holder accounts;
determining a number of merchant accounts;
filtering by geography;
filtering by card product;
filtering to segment a market;
listing the merchant by the merchant industry group;
listing the account holder by the account holder industry group; and
determining a trend in transaction data over time.
16. The article of claim 11, wherein the transaction data includes at least one of:
a transaction amount;
a number of transactions per merchant;
a number of transactions per account holder;
a merchant geographical location;
an account holder geographical location,
a merchant tenure; and
an account holder tenure.
17. The article of claim 11, wherein the industry strategy comprises at least one of:
identifying a risk associated with the merchant and the account holder; and
determining an optimal ratio of price of advertising to return on advertising.
18. The article of claim 11, further comprising evaluating the advertisement to at least one of the merchant and the account holder based on the filtering.
19. The article of claim 11, further comprising determining a transaction risk based on the filtering.
20. A system comprising:
a transaction analysis processor;
a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations;
a determination module in communication with the processor and configured to determine an aggregate transaction value over a period of time from transaction data from transactions between a merchant in a merchant industry and an account holder in an account holder industry group,
a filtering module in communication with the processor and configured to filter by account holder account tenure and by merchant account tenure, wherein the account holder account tenure comprises a period of time during which the account holder has held open an account holder transaction account, and wherein the merchant account tenure comprises a period of time during which the merchant has held open a merchant transaction account,
a developing module in communication with the processor and configured to develop an industry strategy based upon the determining and filtering; and
a targeting module in communication with the processor and configured to target a first advertisement to the merchant and a second advertisement to the account holder.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. An integral pull-up type absorbent article comprising:
(a) a cover sheet;
(b) a back sheet;
(c) an absorbent layer disposed intermediate said cover sheet and said backsheet;
(d) a pair of spaced apart leg openings;
(e) a waist region comprising a front waist region and a back waist region, each of said regions having a laterally extending portion terminating in a generally vertical side edge;
(f) a first strip of loop material adjacent one of said side edges and a second strip of loop material adjacent the other one of said lateral edges on said front waist region; and
(g) a first strip of hook fastener disposed adjacent one of said side edges and a second strip of hook fastener disposed adjacent the other one of said side edges, on said back waist region,
wherein, when said front waist region and said back waist regions are overlapped said first strip of hook fastener engages said first strip of loop material and said second strip of hook fastener engages said second strip of loop material.
2. An integral pull-up type absorbent article as in claim 1 wherein each of said side edges comprises a side seal.
3. An integral pull-up type absorbent article as in claim 2 wherein each of said side seals is adhesively secured to its respective side edge.
4. An integral pull-up type absorbent article as in claim 1 wherein said waist region is elasticated.
5. An integral pull-up type absorbent article as in claim 2 wherein said waist region is elasticated.
6. An integral pull-up type absorbent article as in claim 3 wherein said waist region is elasticated.
7. An integral pull-up type absorbent article comprising:
(a) a cover sheet;
(b) a back sheet;
(c) an absorbent layer disposed intermediate said cover sheet and said backsheet;
(d) a pair of spaced apart leg openings;
(e) a waist region comprising a front waist region and a back waist region, each of said regions having a laterally extending portion terminating in a generally vertical side edge;
(f) a first hook strip disposed inwardly of one of said side edges, a first strip of loop material disposed inwardly relative to said other side edge, in one waist region,
(g) a second hook strip adjacent said first hook strip and separated therefrom by a first tear line and a third hook strip adjacent said first strip of loop material and separated therefrom by a second tear line, in said waist region;
(h) a third strip of loop material disposed inwardly relative to one of said side edges in said back waist region, and a fourth strip of loop material disposed inwardly relative to said other side edge in the other waist region,
wherein, when said first and second tear lines are broken and said front and back waist regions are overlapped, each of said hook strips engages a corresponding aligned loop strip to fasten the diaper.
8. An integral pull-up type absorbent article as in claim 7 wherein each of said edges comprises a side seal.
9. An integral pull-up type absorbent article as in claim 8 wherein each of said side seals is adhesively secured to its respective side edge.
10. An integral pull-up type absorbent article as in claim 7 wherein said waist region is elasticated.
11. An integral pull-up type absorbent article as in claim 8 wherein said waist region is elasticated.
12. An integral pull-up type absorbent article as in claim 9 wherein said waist region is elasticated.
13. An integral pull-up type absorbent article as in claim 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 or 12 further including an elasticated belly region.
14. An integral pull-up type absorbent article comprising:
(a) a cover sheet;
(b) a back sheet;
(c) an absorbent layer disposed intermediate said cover sheet and said backsheet;
(d) a pair of spaced apart leg openings;
(e) a waist region comprising a front waist region and a back waist region, each of said regions having a laterally extending portion terminating in a generally vertical side edge;
(f) a first strip of loop material adjacent one of said lateral edges and a second strip of loop material adjacent the other one of said lateral edges on said front waist region; and
(g) at least one tape tab attached on the inside surface of said back waist region at each lateral edge of said region, each of said tape tabs having a hook surface,
wherein, when said front waist region and said back waist regions are overlapped, the hook surface of said tape tab engages a corresponding aligned strip of said loop material on said front waist region.
15. An integral pull-up type absorbent article as in claim 21 wherein three spaced apart tabs are attached on the outer surface of said back waist region at the lateral edge of said waist region, each of said tape tabs having a hook surface, wherein when said front waist region and said back waist region are overlapped, all said three tape tabs engage a corresponding aligned strip of said loop material on said front waist region.
16. An integral pull-up type absorbent article as in claim 14 wherein each of said side edges comprises a side seal.
17. An integral pull-up type absorbent article as in claim 15 wherein each of said side edges comprises a side seal.
18. An integral pull-up type absorbent article as in claim 14 wherein said waist region is elasticated.
19. An integral pull-up type absorbent article as in claim 15 wherein said waist region is elasticated.
20. An integral pull-up type absorbent article as in claim 16 wherein said waist region is elasticated.
21. An integral pull-up type absorbent article as in claim 17 wherein said waist region is elasticated.
22. An integral pull-up type diaper as in claim 14, 15, 16, 17, 18, 19, 20 or 21 further including elasticated belly portion.
23. An integral pull-up type absorbent article as in claim 14 wherein each of said tabs has a laterally projecting end inwardly relative to its respective side edge.
24. An integral pull-up type absorbent article as in claim 15 wherein each of said tabs has a laterally projecting end inwardly relative to its respective side edge.
25. An integral pull-up type absorbent article as in claim 16 wherein each of said tabs has a laterally projecting end inwardly relative to its respective side edge.
26. An integral pull-up type absorbent article as in claim 17 wherein each of said tabs has a laterally projecting end inwardly relative to its respective side edge.
27. An integral pull-up type absorbent article as in claim 18 wherein each of said tabs has a laterally projecting end inwardly relative to its respective side edge.
28. An integral pull-up type absorbent article as in claim 19 wherein each of said tabs has a laterally projecting end inwardly relative to its respective side edge.
29. An integral pull-up type absorbent article as in claim 20 wherein each of said tabs has a laterally projecting end inwardly relative to its respective side edge.
30. An integral pull-up type absorbent article as in claim 21 wherein each of said tabs has a laterally projecting end inwardly relative to its respective side edge.
31. An integral pull-up type absorbent article as in claim 23, 24, 25, 26, 27, 28, 29 or 30 further including elasticated belly portion.
32. An integral pull-up type absorbent article comprising:
(a) a cover sheet;
(b) a back sheet;
(c) an absorbent layer disposed intermediate said cover sheet and said backsheet;
(d) a pair of spaced apart leg openings;
(e) a waist region comprising a front waist region and a back waist region, each of said regions having a laterally extending portion terminating in a generally vertical side edge;
(f) a first strip of loop material spaced apart relative to one of said side edges and a second strip of loop material spaced apart relative to the other end of said side edges, and
(g) at least one tape tab attached to each side edge of said back waist region, each tape tab having a portion extending outwardly relative to its respective side edges and having a hook surface,
wherein when said first waist portion and said back waist region overlap, the hook surface of each tape tab engages corresponding aligned strip of loop material.
33. An integral pull-up type absorbent article as in claim 32 wherein each of said side edges in the front waist region comprises a side seal.
34. An integral pull-up type absorbent article as in claim 32 wherein said front waist region comprises a tear line adjacent each of said strips of loop material.
35. An integral pull-up type absorbent article as in claim 33 wherein said front waist region comprises a tear line between said strip of loop material and said side seal.
36. An integral pull-up type absorbent article as in claim 32 wherein said waist region is elasticated.
37. An integral pull-up type absorbent article as in claim 33 wherein said waist region is elasticated.
38. An integral pull-up type absorbent article as in claim 34 wherein said waist region is elasticated.
39. An integral pull-up type absorbent article as in claim 35 wherein said waist region is elasticated.
40. An integral pull up type absorbent article as in claim 32, 33, 34, 35, 36, 37, 38 or 39 wherein said article includes a tear line adjacent each strip of loop material.
41. A ready-to-wear pull-up type absorbent article comprising:
(a) a cover sheet;
(b) a back sheet;
(c) an absorbent layer disposed intermediate said cover sheet and said back sheet;
(d) a pair of spaced apart leg openings;
(e) a waist region comprising a front waist region and a back waist region;
(f) said front waist region comprising a pair of spaced apart loop strips, and said back waist region comprising a correspondingly aligned tape tabs each having a hook surface, wherein said back waist region is overlapped on said front waist region and each of said hook surfaces of said tape tabs is engaged onto a correspondingly aligned loop strip.
42. A ready-to-wear pull-up type absorbent article comprising:
(a) a coversheet;
(b) a back sheet;
(c) an absorbent layer disposed intermediate said cover sheet and said back sheet;
(d) a pair of spaced apart leg openings;
(e) a waist region comprising a front waist region and a back waist region, said front waist region having an outer surface of loop material;
(f) a pair of spaced apart tape tabs having a hook surface, wherein said back waist region is overlapped on said front waist region and each of said hook surfaces of said tape tabs is engaged on portion of said loop surface.
43. A ready-to-wear pull-up type absorbent article as in claim 41 wherein said front waist region and said back waist region each has a laterally extending portion terminating a generally vertical side edge and each of said side edges comprises a side seal.
44. A ready-to-wear pull-up type absorbent article as in claim 41 wherein said waist region is elasticated.
45. A ready-to-wear pull-up type absorbent article as in claim 43 wherein said waist region is elasticated.
46. A ready-to-wear pull-up type absorbent article as in claim 41, 43, 44 or 45 wherein said article comprises elasticated belly portion.
47. A ready-to-wear pull-up type absorbent article as in claim 42 wherein said front waist region and said back waist region each has a laterally extending portion terminating in a generally vertical side edge and each of said side edges comprises a side seal.
48. A ready-to-wear pull-up type absorbent article as in claim 42 wherein said waist region is elasticated.
49. A read-to-wear pull-up type absorbent article as in claim 42 wherein said waist region is elasticated.
50. A ready-to-wear pull-up type absorbent article as in claim 42, 47, 48 or 49 wherein said article comprises elasticated belly portion.