Abstract: Systems and methods for payment card account portfolio monitoring and optimization that provide issuer financial institutions (FIs) with account holder recommendations about whether or not to take action with respect to one or more of their payment account holders. In some embodiments, the process includes extracting, by a recommendation engine from a payment card transaction database, payment account transaction data of a plurality of payment card accounts, aggregating the payment account transaction data, calculating a payment card account product profitability proxy amount for each payment card account, executing an adaptive optimization process, generating a recommendations file, and then transmitting the recommendations file to an issuer FI computer.

Abstract: A method for generating consumer travel paths based on transaction history includes: storing transaction data for a plurality of payment transactions, the data including a geographic location, transaction time and/or date, and consumer identifier; receiving a specific geographic area for which movement is requested; identifying a payment transaction set that includes transaction data for a set of payment transactions that include a common consumer identifier, a geographic location corresponding to the received specific geographic area, and a transaction time and/or date included within a predetermined period of time; generating a travel path based on at least the geographic location and transaction time and/or date included in the transaction data for each payment transaction included in the payment transaction set; and predicting a future travel path based on at least the generated travel path.

Abstract: A system for analyzing spending data includes a receiving device and a processing device. The receiving device is configured to receive transaction data for a plurality of payment transactions for a plurality of consumers, wherein the transaction data for each of the plurality of payment transactions includes at least purchase data and a payment transaction type. The processing device is configured to: categorize the transaction data from the storage device based on the payment transaction type; generate a filtered list of transaction data including transaction data for payment transactions conducted online; and analyze, for each of the payment transactions included in the filtered list of transactions, spending behaviors based on the associated transaction data, wherein analyzing spending behaviors includes categorizing the plurality of consumers based on frequency of payment transactions conducted online.

Abstract: A system for analyzing spending data includes a database, a receiving device and a processing device. The database stores a geographic area associated with a primary purchase area of a consumer. The receiving device receives transaction data for payment transactions for a plurality of consumers, wherein the transaction data includes purchase data, a transaction location, and a transaction time and/or date associated with the payment transaction.