Abstract: A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.

Abstract: A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.

Abstract: A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.

Abstract: A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.

Abstract: A method for providing insight metrics for transaction behavior includes: storing account profiles, each including a profile identifier and transaction data entries including transaction data related to a payment transaction; receiving a first data file including a specific identifier associated with a specific merchant and an account identifier of a group of one or more account identifiers; identifying, for each account identifier of the group, a related account profile based on a correspondence between the profile identifier and the respective account identifier; identifying metric values for each identified account profile, wherein each metric values is associated with a desired metric and is based on the transaction data included in each transaction data entry included in the respective account profile; generating a second data file including at least the account identifier corresponding to each identified account profile; and transmitting the generated second data file.