Abstract: A method of analyzing debit and credit card transaction data to provide interpretations of customer purchasing patterns for use by third parties, such as financial services marketers, in providing offers and incentives to targeted groups of consumers. Bulk credit card or debit card transaction data that has been gathered for a large sample of cardholders is obtained, a multi-step process is applied to prepare the data for analysis, multiple categories of marketing “intelligence” or decisions are attached to each transaction contained in the bulk transaction data, a summation of all of the different intelligence categories for each cardholder and for the entire sample is performed to create comparative normalizations, and a score in vector form is generated for each customer based on differences or variations in the way in which that customer shops relative to the bulk-derived normalized data for each field or dimension within the comparative normalization.

Abstract: A method of analyzing debit and credit card transaction data to provide interpretations of customer purchasing patterns for use by third parties, such as financial services marketers, in providing offers and incentives to targeted groups of consumers. Bulk credit card or debit card transaction data that has been gathered for a large sample of cardholders is obtained, a multi-step process is applied to prepare the data for analysis, multiple categories of marketing “intelligence” or decisions are attached to each transaction contained in the bulk transaction data, a summation of all of the different intelligence categories for each cardholder and for the entire sample is performed to create comparative normalizations, and a score in vector form is generated for each customer based on differences or variations in the way in which that customer shops relative to the bulk-derived normalized data for each field or dimension within the comparative normalization.