Abstract: At least some embodiments of the present disclosure are directed to an exemplary method comprising transferring, via a batch processing operation, real-time user-related activity data of a user from a cache memory storage of a transaction account issuer into a datastore of the transaction account issuer; retrieving additional real-time user-related activity data from the cache memory storage of the transaction account issuer; determining that the additional real-time user-related activity data specifies an event corresponding to a first fixed activity plan agreed to by the user after the batch processing operation; decreasing a maximum limit on a number allowance for the fixed activity plans based at least in part on the event specified in the additional real-time user-related activity data; and determining that the user is eligible for a second fixed activity plan under the decreased maximum limit on the number allowance.

Abstract: At least some embodiments of the present disclosure are directed to an exemplary system including an application server; a cache memory storage; and a datastore; where the application server is at least configured to: receive, from one or more web client sessions, real-time user-related activity data that is representative of one or more activities performed by a user during a day; store the real-time user-related activity data in a temporary cache user profile data structure of the at least one cache memory storage; upon the receipt of the real-time user-related activity data, invoke, in real-time, a plurality of APIs that are configured to determine a user-specific eligibility data, generate a fixed activity plan; and attribute, in real-time, an activity performance to the fixed activity plan based on a pre-determined allocating rule.

Abstract: At least some embodiments of the present disclosure are directed to an exemplary system including an application server; a cache memory storage; and a datastore; where the application server is at least configured to: receive, from one or more web client sessions, real-time user-related activity data that is representative of one or more activities performed by a user during a day; store the real-time user-related activity data in a temporary cache user profile data structure of the at least one cache memory storage; upon the receipt of the real-time user-related activity data, invoke, in real-time, a plurality of APIs that are configured to determine a user-specific eligibility data, generate a fixed activity plan; and attribute, in real-time, an activity performance to the fixed activity plan based on a pre-determined allocating rule.

Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.

Abstract: A consumer may view a transaction account statement in a GUI. The transaction account issuer may utilize batch processed data and real time data to determine an eligibility for fixed fee payment plans. The consumer may be presented with the option to place a single transaction into a fixed fee payment plan by selecting the transaction. The fixed fee payment plan may comprise a fixed monthly cost. The monthly cost may be calculated to be equal to or less than the amount the consumer would pay if the transaction were subject to the transaction account APR. The transaction account may have a minimum amount due for the fixed fee payment plan and a minimum amount due for the revolving APR balance each month.

Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.

Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.

Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.

Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet.

Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.

Abstract: The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.