A review/rating (hereinafter “review”) system models the satisfaction of a group of consumers with a product, service, or business (hereinafter “product”) based on objective transaction information, such as transaction amounts, transaction type, transaction frequency, and gratuity characteristics. Such an approach can mitigate the effect of selection bias, inauthentic reviews, and infrequent reviews. The approach also can mitigate the effect of review standards that may vary among reviewers. The models can be used to cluster and rank products, and to respond to a specific consumer’s query in a fashion tailored to that specific consumer.
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Hou, Tzuo-Yi and Henderson, Philip, "IMPLICIT REVIEWS VIA FINANCIAL INTERACTIONS", Technical Disclosure Commons, (February 03, 2016)