Abstract: A method for distributing an optimized offer to a mobile communication device includes: storing a plurality of offer data entries, each offer data entry including offer data and an offer location; storing a consumer profile, the consumer profile including historical geographic location data of a mobile communication device associated with the related consumer; receiving a geographic location of the associated mobile communication device; identifying at least one inferred future geographic location for the associated mobile communication device based on the received geographic location and the historical geographic location data; identifying at least one offer data entry where the included offer location corresponds to one of the identified at least one inferred future geographic location; and transmitting the offer data included in the identified at least one offer data entry to the associated mobile communication device.

Abstract: A method for processing payment transactions includes: storing a plurality of consumer profiles, wherein each consumer profile includes data related to a consumer including at least a combined identifier and at least two payment account identifiers; receiving an authorization request for a payment transaction originating from a point of sale device, wherein the authorization request includes at least a combined identification; identifying a specific consumer profile where the included combined identifier corresponds to the combined identification; transmitting at least the at least two payment account identifiers included in the specific consumer profile to the point of sale device; receiving an indication of one of the at least two payment account identifiers from the point of salve device; updating the authorization request to include at least the indicated one of the at least two payment account identifiers; and transmitting the updated authorization request.

Abstract: A method for assigning a spend profile to a mobile device based on location and transaction data includes: storing a spend profile including a plurality of transaction data entries, each entry related to a transaction involving a common consumer and including a location identifier, transaction data, and timing information; receiving a plurality of location data entries, each entry including a geographic location of a related mobile device and a time and/or date at which the location was identified; matching the mobile device to the spend profile based on a number of received location data entries that correspond to transaction data entries included in the spend profile based on the geographic location and time and/or date and the location identifier and timing information, and a predetermined tolerance level; and associating the mobile device with the spend profile.

Abstract: A system for measurements of merchant performance using a payment card processing system, the system includes a managing computer system of a payment card service provider, the managing computer system having a memory device capable of storing data for generating measurements of merchant performance based on payment card transactions, and a computer processor. The computer processor is configured to: receive payment card transactions from at least one merchant; store the payment card transactions for the at least one merchant; generate at least one business performance indicator for the payment card transactions of the at least one merchant; compare the at least one business performance indicator for the at least one merchant to a comparable business performance indicator; and generate a measurement of merchant performance for the at least one merchant based on the comparison of the at least one business performance indicator to the comparable business performance indicator.