Abstract: A computer implemented method of determining a user health rating. The method may include evaluating transaction records in a user transaction history, determining whether the transactions are associated with positive or negative health, and generating a user health rating at least partially based on the transaction records.

Abstract: A system and computer-implemented method distributes rewards and loyalty points in a payment network based on purchase patterns. The system and method may receive purchase data corresponding to a plurality of purchases where the purchase data includes a merchant, a purchase location, and a purchase time. The system and method may then determine a shopping pattern based on the purchase data. The shopping pattern may indicate a probability that a first purchase transaction beginning at a first store will proceed to a second purchase transaction at a second store. The system and method may also receive further purchase data corresponding to a user computer system and compare it to the shopping pattern. The system and method may then send, to the user computer system, one or more of rewards and loyalty points corresponding to the second store when the further purchase data includes the first store.

Abstract: A computer implemented method of determining a user health rating. The method may include evaluating transaction records in a user transaction history, determining whether the transactions are associated with positive or negative health, and generating a user health rating at least partially based on the transaction records.

Abstract: A computer-implemented method for generating a classified map on a computing device includes: receiving statistical data associated with each zone of a plurality of zones; generating based on the statistical data at least one classification score for each zone of the plurality of zones by performing a latent factor analysis on the statistical data to generate at least one latent factor score; causing to be displayed a map of a geographic region having the plurality of zones on a display of a computing device; based at least partially on the at least one classification score, causing at least one classification tag to be overlayed over each zone of the plurality of zones on the map to generate the classified map. A system and computer program product for generating a classified map on a computing device are also disclosed.