Abstract: A computer-implemented method includes receiving an account number identifier associated with a consumer's account. Using the account number identifier, the consumer's recent transaction history in a transaction data warehouse is located. The transaction data warehouse stores records of purchases made by the consumer with the account at one or more merchants. Computational segmentation scoring is applied to identify a group of leading merchant category codes based on the consumer's recent transaction history. The group of leading merchant category codes are correlated with corresponding merchant offers stored in a central offer repository to provide merchant offers that are customized to the consumer's spending behavior. The customized merchant offers are presented to the consumer at a display interface of a device. The customized offers may be presented as an award or mystery offer in an interactive game.