Abstract: A method for associating transaction card accounts with life stage segments is described. The method includes analyzing survey results to define the plurality of life stage segments based on at least one of demographics, transaction categories, and card usage. The method further includes creating at least one spending profile for a life stage target group that includes transaction card holders within at least one of the defined life stages for which a marketing campaign is targeted, developing a survey-based life stage model based on the target group and the profiles, creating a transaction data-based life stage model by applying the survey-based life stage model to a portion of the transaction data, applying the transaction-based life stage model to the transaction data to identifies cardholder accounts included within the life stage target group, and ranking the transaction card accounts stored within the database based on a likelihood the accounts are included within the target group.

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 associating transaction card accounts with life stage segments is described. The method includes analyzing survey results to define the plurality of life stage segments based on at least one of demographics, transaction categories, and card usage. The method further includes creating at least one spending profile for a life stage target group that includes transaction card holders within at least one of the defined life stages for which a marketing campaign is targeted, developing a survey-based life stage model based on the target group and the profiles, creating a transaction data-based life stage model by applying the survey-based life stage model to a portion of the transaction data, applying the transaction-based life stage model to the transaction data to identifies cardholder accounts included within the life stage target group, and ranking the transaction card accounts stored within the database based on a likelihood the accounts are included within the target group.