Merchant-Level Consumer Spend Data

**Overview:**
With up to 60% of all US card-based transactions both online and offline, Commerce Signals merchant-level consumer spend audiences offers both accuracy and scale. Our Audiences and Scoring solutions see an accuracy of 90% when compared against actual transaction data as models are refreshed every month to continually calibrate against market trends. Our standard taxonomy of ~700 segments can be targeted separately, or custom audiences can be created to fit a specific need. Also, these segments can be broken out into centiles for 1st party data scoring, or to take further control of custom targeting.

All transaction data is at the merchant-level without any competitive usage restrictions for the client; item or SKU-level insights are not currently offered. Commerce Signals does not have or use any personal information, and all Commerce Signals transaction data solutions either need to be modeled for individual IDs or aggregated into cohorts of at least 250 individuals with at least 30 transactions in said cohort (Measurement solutions).

**Supported Use Cases**:
Targeting, Index/Scoring, Insights. Please contact us for non-modeled campaign Measurement solutions.

**Verticals and Industries:**

- Retail/eCommerce/DTC
- Restaurant/QSR
- Entertainment
- Travel
- Political
- Insurance/Telco/Streaming/Gym (subscription-based transactions)

***Sample Data Elements***:
**Category** – Restaurants
**Sub-Category**– Casual Dining
**Merchant Name** – Applebee’s
**Segment Name** – Commerce Signals > Credit / Debit Card Data > Restaurants > Casual Dining > Applebee's
**Description** - Applebee’s Restaurants is a franchise chain of casual restaurants selling a variety of traditional American food, beverages, and alcohol. This transaction-based audience is built from actual purchase behavior on Visa and Mastercard, credit and debit, and includes both online and in-store purchases. Audiences are updated every month to represent last month customers with 90% accuracy. Custom Applebees segments are also available.

**Note:** Data is delivered with RampIDs. Click “Request access” to contact LiveRamp, if you are not RampID enabled.

**概览：**
在美国所有线上线下卡基交易中，占比高达60%的Commerce Signals商户级消费者支出受众方案，兼具精准度与规模优势。我们的受众与评分解决方案，与实际交易数据比对后准确率可达90%——得益于模型每月更新，可持续针对市场趋势进行校准。我们拥有约700个细分受众的标准分类体系，可单独定向投放，也可根据特定需求创建自定义受众。此外，这些细分受众可拆分为百分位组别，用于第一方数据评分，或进一步优化自定义定向投放。

所有交易数据均为商户级，不对客户设置任何竞争性使用限制；目前暂不提供商品或SKU（库存保有单位，Stock Keeping Unit）级别的洞察分析。Commerce Signals不会获取或使用任何个人信息，且所有Commerce Signals交易数据解决方案，要么需针对个体ID进行建模，要么需聚合为至少包含250名个体且该群体至少产生30笔交易的群组（测量类解决方案）。

**支持的应用场景：**
定向投放、指标/评分、洞察分析。如需非建模类活动测量解决方案，请联系我们。

**垂直领域与行业：**
- 零售/电商/DTC品牌
- 餐饮/快餐连锁
- 娱乐业
- 旅游业
- 政治领域
- 保险/电信/流媒体/健身（基于订阅的交易）

***示例数据元素：***
**类别**——餐饮
**子类别**——休闲餐饮
**商户名称**——Applebee’s
**细分受众名称**——Commerce Signals > 信用卡/借记卡数据 > 餐饮 > 休闲餐饮 > Applebee's
**描述**——Applebee’s Restaurants是一家休闲餐饮连锁加盟店，售卖各类传统美式餐食、饮品及酒类。该基于交易的受众群体基于Visa和Mastercard的信用卡、借记卡的实际消费行为构建，涵盖线上及线下消费。受众群体每月更新，以反映上月的消费者情况，准确率达90%。同时也可提供自定义Applebee’s细分受众。

**备注：**
数据将通过RampID（Ramp身份标识符）交付。若您未启用RampID，请点击"Request access"联系LiveRamp。