Abstract: A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.

Abstract: A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.

Abstract: A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.

Abstract: A method for identifying and distributing offers includes: storing account profiles, each profile including data related to a transaction account including an account identifier and a plurality of transaction data entries, each including transaction data; receiving an offer request from a consumer entity, the request including a specific account identifier and geographic location; identifying a specific account profile that includes the specific account identifier; identifying offer parameters, the parameters being based on the geographic location and the transaction data included in the identified specific account profile; transmitting the offer parameters to a merchant entity; receiving offer data for a plurality of offers from the merchant entity based on the offer parameters; identifying a specific offer based on the offer data for the specific offer and the transaction data included in the specific account profile; and transmitting the offer data for the identified specific offer to the consumer entity.

Abstract: A method for providing insight metrics for transaction behavior includes: storing account profiles, each including a profile identifier and transaction data entries including transaction data related to a payment transaction; receiving a first data file including a specific identifier associated with a specific merchant and an account identifier of a group of one or more account identifiers; identifying, for each account identifier of the group, a related account profile based on a correspondence between the profile identifier and the respective account identifier; identifying metric values for each identified account profile, wherein each metric values is associated with a desired metric and is based on the transaction data included in each transaction data entry included in the respective account profile; generating a second data file including at least the account identifier corresponding to each identified account profile; and transmitting the generated second data file.

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 on-line shopping for special occasions includes the steps of providing a link to a network accessible website, receiving and storing data from a user identifying at least one recipient, wherein the data includes at least one special occasion date, sending a notification to the user prior to the special occasion date, wherein the notification reminds the user of the special occasion date, offering a plurality of gifts for on line ordering via the website, receiving and storing an order for a gift in advance of the special occasion date and sending the gift to the recipient a predetermined number of days prior to the special occasion.

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.