Abstract: An event driven system and method for traveler thematic destination segmentation are disclosed. The event driven system includes a processor and a memory coupled to the processor to store machine instructions executable by the processor. When executed by the processor the machine instructions cause the processor to extract clearance and settlement transaction data from a database, prepare the clearance and settlement transaction data, clean geo-data associated with the clearance and settlement transaction data, enrich and standardize the geo-data, scrape theme data associated with a trip from a public network, verify the relevant theme data associated with the trip, enrich and standardize geo-data associated with the relevant theme data associated with the trip, and map the enriched and standardized geo-data associated with the clearance and settlement transaction data to the enriched and standardized geo-data associated with the relevant theme data associated with the trip.

Abstract: Described are a system, method, and computer program product for segmenting a plurality of accounts. The method includes processing transaction data for a plurality of transactions conducted by a plurality of accounts using a plurality of account identifiers, the transaction data for each transaction including data identifying the transaction as an electronic transaction or a physical transaction, segmenting the plurality of accounts into at least two groups including an active customer group and an inactive customer group based on the transaction data for each transaction conducted by each of the plurality of accounts, determining a third subset of customers from the second subset of customers based on at least one predicative model and a transaction profile of each customer of the second subset of customers, and automatically enrolling the third subset of customers into an automated campaign.

Abstract: Disclosed are systems, methods, apparatuses, and computer readable media for quickly and efficiently providing individual-level scores that are serve as more-accurate predictions of a target event. These predictions are made using a model that factors specific variables based on transaction attributes gathered from transaction data for the individual, which may be exclusive to certain entities. These individual-level scores can be updated and periodically uploaded to an entity (e.g., a reporting agency) that can utilize existing infrastructure to quickly provide these scores to any requesters.

Abstract: Embodiments include apparatuses, methods, and systems for segmenting a target region for a target user based on payment transactions within a payment processing system. The embodiments include identifying a target user from users based on payment transaction data, and determining target regions for the target user based on the payment transaction data of the target user and users. The target user may have a propensity for initiating transaction activity in the target regions within a predetermined time period. The embodiments include generating propensity scores for the target regions based on the payment transaction data, identifying a target region for the target user based on the propensity scores, and transmitting merchant offers to the target user based on the identified target region. The propensity scores may be ranked into a list of target region rankings, where the target region is a maximum score in the list of target region rankings.

Abstract: Disclosed are systems, methods, apparatuses, and computer readable media for quickly and efficiently providing individual-level scores that are serve as more-accurate predictions of a target event. These predictions are made using a model that factors specific variables based on transaction attributes gathered from transaction data for the individual, which may be exclusive to certain entities. These individual-level scores can be updated and periodically uploaded to an entity (e.g., a reporting agency) that can utilize existing infrastructure to quickly provide these scores to any requesters.

Abstract: Embodiments include apparatuses, methods, and systems for segmenting a target region for a target user based on payment transactions within a payment processing system. The embodiments include identifying a target user from users based on payment transaction data, and determining target regions for the target user based on the payment transaction data of the target user and users. The target user may have a propensity for initiating transaction activity in the target regions within a predetermined time period. The embodiments include generating propensity scores for the target regions based on the payment transaction data, identifying a target region for the target user based on the propensity scores, and transmitting merchant offers to the target user based on the identified target region. The propensity scores may be ranked into a list of target region rankings, where the target region is a maximum score in the list of target region rankings.

Abstract: A method, system, and apparatus for segmenting users based on transaction activity and propensity for conducting portable financial device transactions. The method includes: determining a subset of transaction data categories from a plurality of transaction data categories; ranking the subset of transaction data categories into at least one order; generating a predictive model for determining user propensity for prospectively increasing a frequency of portable financial device transactions based at least partially on the ranking of the at least one subset of transaction data categories; analyzing transaction data for portable financial device transactions initiated by each user of a plurality of users; generating at least one subset of users of the plurality of users; and automatically initiating a conversion action.