Abstract: Disclosed are various approaches for managing payment variability by developing a schedule of monthly payments. An exemplary method of the present disclosure comprises predicting, using an eligibility data model, a level of volatility of spending for a user based on at least transaction data and transaction account balance data of the user during a previous year; predicting, using a balance prediction data model, a future spend behavior for the user during an upcoming period of time, wherein the upcoming period of time comprises a plurality of months; generating a monthly payment schedule for the user for the upcoming period of time based on the predicted future spend behavior of the user; and for each month of the upcoming period of the time, issuing a monthly payment statement to the user based on the generated monthly payment schedule. Other methods, systems, and computer-readable mediums are also presented.

Abstract: Disclosed are various embodiments relating to configuring a payment instrument for making foreign purchases in a destination country of an international traveler based at least in part on detecting a transaction for a foreign travel trip. In some examples, the system comprises a computing device that is configured to receive transaction data associated with a user profile. A transaction is identified in the transaction data based at least in part on one or more eligibility criteria. The eligibility criteria can be used to identify that the transaction is for a foreign travel event. Traveler data associated with the transaction is retrieved from a travel computing system. Offer content is generated based at least in part on a comparison between the traveler data and the user profile. Offer content is transmitted to the client device associated with the user profile.

Abstract: Systems and methods for providing non-active subscriber identity module (SIM) services leveraging multiple SIMs configured at multiple UEs are disclosed herein. A primary user equipment (UE), activating a first SIM of a dual SIM dual standby (DSDS) configuration used by the primary UE to perform active-mode network communications on the first SIM and sends, to a secondary UE, an indication to activate a second SIM of the DSDS configuration in response to the activating the first SIM of the DSDS configuration used by the primary UE. The secondary UE receives the indication to activate the second SIM of the first DSDS configuration used by the primary UE and activates the second SIM for use by the secondary UE in response to receiving the indication. Accordingly, the secondary UE may handle any network communications on the second SIM during the network communications on the first SIM at the primary UE.