Abstract: Systems and methods for defining, observing and detecting transactions that initiate an alert message to be sent to one or more users are disclosed. Aggregate threshold, number of transactions and proximity to reward types of alert messages and alert criteria can be defined or selected by users, merchants, and issuers. Alert messages can be sent based on aggregating transaction data from an observed transaction with information from historical transactions, such as credit card transactions. If the aggregated transaction data associated with the transactions match any of the alert criteria, then alert messages can be sent to one or more users. An alert message may include information from the alert trigger as well as the aggregated transaction data.