Abstract: Systems and methods for determining a customer privilege level. The system includes: a processor module; a memory module including computer program code; the memory module and the computer program code configured to, with the processor module, cause the system at least to: receive (i) merchant-related data comprising a merchant identifier, and (ii) customer-related data comprising a customer identifier; determine a merchant score that is based on past transaction data associated with the merchant identifier and the customer identifier; receive an account-related score that is based on at least one attribute of an account associated with the customer identifier; and determine the customer privilege level based on the merchant score and the account-related score.