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: A system and method for modeling customer behavior determines an identified merchant engagement level of at least one customer with respect to an identified merchant based at least partially on transaction data associated with a plurality of transactions between the at least one customer and the plurality of merchants. A peer merchant engagement level of the at least one customer with respect to the at least one peer merchant is determined based at least partially on the transaction data. A loyalty segment of the at least one customer is determined based at least partially on the identified merchant engagement level of the at least one customer and the peer merchant engagement level of the at least one customer. A target action associated with the identified merchant with respect to the at least one customer is automatically initiated, or caused to be initiated, based at least partially on the loyalty segment of the at least one customer.

Abstract: A system and method for modeling customer behavior determines an identified merchant engagement level of at least one customer with respect to an identified merchant based at least partially on transaction data associated with a plurality of transactions between the at least one customer and the plurality of merchants. A peer merchant engagement level of the at least one customer with respect to the at least one peer merchant is determined based at least partially on the transaction data. A loyalty segment of the at least one customer is determined based at least partially on the identified merchant engagement level of the at least one customer and the peer merchant engagement level of the at least one customer. A target action associated with the identified merchant with respect to the at least one customer is automatically initiated, or caused to be initiated, based at least partially on the loyalty segment of the at least one customer.