Abstract: Systems and methods for analyzing and segregating payment card account profiles into clusters and targeting offers to cardholders. Offers may be targeted based on analyzing customer transactions with merchants from a merchant category as compared with transactions with merchants from a universe of merchants. Customers who have no transaction history with a merchant may be selected for offers based on similarities with respect to other customers of the merchant. Multiple merchant offers may be combined into a single mailing based on a scoring algorithm.

Abstract: A resealable packaging enclosure is disclosed which includes a tear path defining an aperture through which products may be extracted from the enclosure, and a resealable closure tab which extends across the tear path. The tear path includes weaker and stronger portions. The stronger portion is more resistent than the weaker portion to forces tending to separate the material comprising the enclosure along the tear path. Thus, the tear path has a variable resistance along its length to forces tending to open the enclosure.