Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

Abstract: Improved systems and methods are provided for identifying financial relationships. In particular, financial relationships may be identified by associating tradelines with one or more people who sign or co-sign on the tradeline. In various embodiments a method is provided comprising, receiving, at a computer-based system for credit data analysis comprising a processor and a tangible, non-transitory memory, credit reporting data relating to a tradeline, parsing, by the computer-based system, the credit reporting data to yield primary debtor data and secondary debtor data, and linking, by the computer-based system, the tradeline with the primary debtor data and the secondary debtor data.

Abstract: The disclosed system enables merchants to ship products to a predefined address that may or may not be an account holder's billing address. The account holder may define one or more alias identifiers that correspond to a predefined shipping address. The predefined shipping address is stored with a corresponding alias identifier. A merchant order form includes a field to accept an alias identifier, such that when the order form is submitted to the merchant and the merchant prepares a purchase authorization request, the alias identifier is included in the request. The credit account issuer receives the payment authorization request and extracts the alias identifier, which is used to locate a matching stored alias identifier. A shipping address corresponding to the stored alias identifier is retrieved and returned to the merchant with an authorization message.

Abstract: In an embodiment of the invention, historical data related to multiple members of a customer loyalty program is gathered. A set of loyalty behavior models is developed for an individual member of the loyalty program is developed based on the historical data. For each campaign in a plurality of marketing campaigns, at least one combination of offers is inserted into each loyalty behavior model to output a plurality of net profit scores for the individual member, wherein each combination of offers outputs a separate net profit score. For each campaign in the plurality of campaigns, a combination of offers having the highest net profit score for the campaign is selected. The campaign having the highest net profit score of the plurality of campaigns is selected, and marketing materials for the selected campaign and combination of offers is transmitted to the individual member.

Abstract: A point based auction over a computerized network is disclosed wherein providers of products and/or services may bid on an opportunity to sell to a group of consumers who have indicated a desire to purchase such goods and/or services. Consumers may combine one or more loyalty accounts and the system calculates, according to a point to currency conversion, a currency value of a balance of points. The provider is able to see the currency value of the consumer's points, wherein the provider may determine to place a bid in the reverse auction. The system may not provide the consumer with access to the currency value. Both provider and consumer configure, manage, and participate in the auctions over a computerized network such as the internet.

Abstract: The disclosed system enables merchants to ship products to a predefined address that may or may not be an account holder's billing address. The account holder may define one or more alias identifiers that correspond to a predefined shipping address. The predefined shipping address is stored with a corresponding alias identifier. A merchant order form includes a field to accept an alias identifier, such that when the order form is submitted to the merchant and the merchant prepares a purchase authorization request, the alias identifier is included in the request. The credit account issuer receives the payment authorization request and extracts the alias identifier, which is used to locate a matching stored alias identifier. A shipping address corresponding to the stored alias identifier is retrieved and returned to the merchant with an authorization message.

Abstract: A rewards program has been developed that increases incremental spend by a consumer while maximizing the profits to a transactional account company. In an embodiment, a predicted spend of a given consumer over a given time period is calculated. A spend threshold for the consumer is set based on the predicted spend over the given time period. An incremental spend reward offer is then customized for the consumer, where the offer maximizes profits resulting from the offer based on a calculation of consumer profits derived from campaign group responses. The customization may involve, for example, simulating a response of the given consumer to an offer having various combinations of incentive variables, with the customized offer including the combination of incentive variables that maximizes profits resulting from the offer in the simulation. The consumer is rewarded for spend above the spend threshold during the given time period.