Core Concepts
Overview
The Cardlytics Platform processes financial transaction data to provide insights and personalized experiences. Below are the core concepts and their relationships.
Concepts
| Concept | Description | Example/Usage |
|---|---|---|
| Customer | An individual or entity using the platform, typically an end-user whose data is processed. | A bank customer who links their card to participate in rewards programs. |
| Card | A payment card (credit/debit) linked to a customer and used for transactions. | A Visa credit card ending in 1234, linked to a customer's profile. |
| Accounts | Bank or financial accounts held by the customer, which may be associated with one or more cards. | A checking or savings account belonging to the customer. |
| Transactions | Purchases or financial actions performed using a card/account, recorded in the system. | Buying groceries with a linked card; a transaction is logged with date, amount, and merchant. |
| Events | Significant actions or changes in the platform (e.g., card linked, offer redeemed, transaction made). | A customer links a new card or a qualifying purchase is detected. |
| Data Ingestion | The process of importing and processing external data (transactions, events, etc.) into the platform. | Bank sends batches of transaction data for analysis. |
| Direct Sync | Real-time or near-real-time synchronization of data between financial institutions and the platform. | Instantly syncing new transactions as soon as they occur. |
| Card Linking | Process by which a customer authorizes and connects their payment card to the platform for tracking and rewards. | Customer enters card details to participate in card-linked offers. |
Data Flow Summary
- Customer links their Cards through *Card Linking, which may be tied to one or more Accounts.*
- Transactions are captured via Data Ingestion (including Direct Sync).
- Transactions are processed and enriched to create Events
- Events enable personalized experiences and insights for Customers
- Card Linking is an explicit action by the customer to connect their card for rewards or analytics.
Key Relationships
- One-to-Many: Customer → Cards, Customer → Accounts, Account → Transactions
- Many-to-One: Cards → Customer, Transactions → Account, Events → Transaction
- Process Flow: Data Ingestion → Transactions → Events → Customer Insights
Updated 1 day ago