Abstract: A computer-based method for predicting consumer behavior is provided. The method is performed using a computer system coupled to a database. The method includes recording consumer data in the database for each consumer of a global population of consumers including historical purchases made by each consumer using a transaction card, defining a life event by assigning spending variables to the life event, determining a sample group of consumers that are experiencing the life event based on the consumer data stored within the database with respect to the spending variables, generating a predictive model based on historical purchases made by consumers within the sample group, and applying the predictive model to predict each consumer within the global population that will experience the life event. The predictive model is applied using the computer system. A list of consumers predicted to experience the life event within a predetermined time period is output.

Abstract: A computer-based method for predicting consumer behavior is provided. The method is performed using a computer system coupled to a database. The method includes recording consumer data in the database for each consumer of a global population of consumers including historical purchases made by each consumer using a transaction card, defining a life event by assigning spending variables to the life event, determining a sample group of consumers that are experiencing the life event based on the consumer data stored within the database with respect to the spending variables, generating a predictive model based on historical purchases made by consumers within the sample group, and applying the predictive model to predict each consumer within the global population that will experience the life event. The predictive model is applied using the computer system. A list of consumers predicted to experience the life event within a predetermined time period is output.

Abstract: A method for associating transaction card accounts with life stage segments is described. The method includes analyzing survey results to define the plurality of life stage segments based on at least one of demographics, transaction categories, and card usage. The method further includes creating at least one spending profile for a life stage target group that includes transaction card holders within at least one of the defined life stages for which a marketing campaign is targeted, developing a survey-based life stage model based on the target group and the profiles, creating a transaction data-based life stage model by applying the survey-based life stage model to a portion of the transaction data, applying the transaction-based life stage model to the transaction data to identifies cardholder accounts included within the life stage target group, and ranking the transaction card accounts stored within the database based on a likelihood the accounts are included within the target group.

Abstract: A computer-based method for predicting consumer behavior is provided. The method is performed using a computer system coupled to a database. The method includes recording consumer data in the database for each consumer of a global population of consumers including historical purchases made by each consumer using a transaction card, defining a life event by assigning spending variables to the life event, determining a sample group of consumers that are experiencing the life event based on the consumer data stored within the database with respect to the spending variables, generating a predictive model based on historical purchases made by consumers within the sample group, and applying the predictive model to predict each consumer within the global population that will experience the life event. The predictive model is applied using the computer system. A list of consumers predicted to experience the life event within a predetermined time period is output.

Abstract: A computer-based method for enrolling financial transaction cardholders into a payment card program that includes features that are directed to an empty nester segment of society is described. The method includes creating at least one spending profile representing an empty nester target group. The empty nester target group includes transaction cardholders within the empty nester segment of society targeted for receiving a marketing campaign. The method also includes storing in the database transaction data for transaction card accounts, identifying cardholders included within the empty nester target group by comparing the transaction data to the at least one empty nester spending profile, and offering a payment card program having at least one rewards feature directed to the empty nester segment of society to the cardholders identified as being within the empty nester target group.

Abstract: A method for associating transaction card accounts with life stage segments is described. The method includes analyzing survey results to define the plurality of life stage segments based on at least one of demographics, transaction categories, and card usage. The method further includes creating at least one spending profile for a life stage target group that includes transaction card holders within at least one of the defined life stages for which a marketing campaign is targeted, developing a survey-based life stage model based on the target group and the profiles, creating a transaction data-based life stage model by applying the survey-based life stage model to a portion of the transaction data, applying the transaction-based life stage model to the transaction data to identifies cardholder accounts included within the life stage target group, and ranking the transaction card accounts stored within the database based on a likelihood the accounts are included within the target group.

Abstract: Techniques for payment card account personalization include obtaining access to data describing a first set of parameters associated with the payment card account and obtaining indications of a first change in a life situation of an account holder. The first change may be one that has occurred since establishment of the first set of parameters. Presentation of a first menu of updated parameter choices to the holder is facilitated. The presentation of the first menu can be based upon the first change in the life situation of the holder. A holder selection can be obtained from the first menu, including data describing a second set of parameters associated with the payment card account, the second set of parameters being different than the first set of parameters. The payment card account then operates according to the second set of parameters. In some instances, account parameters can be updated across multiple financial institutions, by a service provider.