Abstract: A first plurality of consumers having a target event is identified. A first dataset and a second dataset for the first plurality of consumers are received. The first dataset comprises first transaction card data for each consumer in the first plurality of consumers for a first time period, where the first time period is prior to the target event. The second dataset comprises second transaction card data for each consumer in the first plurality of consumers during a second time period, where the second time period is after the target event. A first score for each consumer is calculated using the first transaction card data and a second score for each consumer is calculated using the second transaction card data. The first score is compared to the second score for each consumer. In response to a determination that the second score is a threshold lower than the first score, one or more consumers are identified as high dormancy risk.

Abstract: A first plurality of consumers having a target event is identified. A first dataset and a second dataset for the first plurality of consumers are received. The first dataset comprises first transaction card data for each consumer in the first plurality of consumers for a first time period, where the first time period is prior to the target event. The second dataset comprises second transaction card data for each consumer in the first plurality of consumers during a second time period, where the second time period is after the target event. A first score for each consumer is calculated using the first transaction card data and a second score for each consumer is calculated using the second transaction card data. The first score is compared to the second score for each consumer. In response to a determination that the second score is a threshold lower than the first score, one or more consumers are identified as high dormancy risk.

Abstract: Systems and methods are provided to generate information indicative of the opportunity to provide offers to affluent account holders, based on transaction data recording the transactions in the accounts of the account holders. The opportunity information may not be indicative of the actual overall spending level of the account holders. The opportunity information is generated based on rankings of the respective accounts based on spending characteristics in a plurality of merchant categories, such as international travel, dining out, specialty retail, etc.