Abstract: Systems and methods for analyzing and segregating payment card account profiles into clusters and targeting offers to cardholders. Offers may be targeted based on analyzing customer transactions with merchants from a merchant category as compared with transactions with merchants from a universe of merchants. Customers who have no transaction history with a merchant may be selected for offers based on similarities with respect to other customers of the merchant. Multiple merchant offers may be combined into a single mailing based on a scoring algorithm.

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 payment card product targeted to specific consumer market segments is provided. The payment card product has features, benefits and functions that are responsive to consumer needs, aspirations and habits, which evolve over time and across consumer market segments. The consumer market segments are comprehensively characterized using a combination of demographic, attitudinal and behavioral analyses and research. Consumer ideation processes used in product design ensure that the card features, benefits and functions are relevant to consumers. Quantitative methods are used to optimize the product design with respect to consumer market segment characteristics.