Abstract: There are provided systems and methods for providing a merchant recommendation using multiple models. An example system may receive, at a product predictor, an input including a series of products and generate an output including a target product associated with the series of products. The system may generate, at a value evaluator, a value change associated with the target product based at least in part on the output, and generate, at the product predictor, a recommendation including the target product and the value change associated with the target product. The system may further generate, at a seasonal predictor, a seasonal prediction for the output in a future time frame based on the output, and generate, at the product predictor, an updated output including an updated target product based on the seasonal prediction for the output in the future time frame.

Abstract: Methods and systems are presented for providing a framework that enables a computer system to analyze and compare changes to different account characteristics of different accounts that occurred over a time period. A code is generated for an account to represent changes to different account characteristics of the account within the time period. Changes to different account characteristics may be highlighted in the code using different colors or patterns. By analyzing the code, overlapping changes from different account characteristics that occurred within the same time frame may be detected. The different change patterns associated with the user account may then be used to assess a risk for the user account and/or a transaction involving the user account.