METHOD AND SYSTEM FOR IDENTIFYING OPTIMAL REWARDS PROGRAMS

摘要

A method and a system are provided for identifying optimal rewards programs. The method involves retrieving from one or more databases a first set of information comprising payment card holder transaction information including at least purchasing activities and optionally payment activities attributable to the payment card holder, and retrieving from one or more databases a second set of information comprising a plurality of rewards programs. One or more predictive behavioral spend profiles are generated based on the first set of information. The one or more predictive behavioral spend profiles and the second set of information are then analyzed to identify one or more correlations between the one or more predictive behavioral spend profiles and the plurality of rewards programs. Targeted information, based on the one or more correlations, is provided to one or more entities (e.g., payment card holder or merchant).

主权项

1. A method comprising:
retrieving from one or more databases a first set of information comprising payment card holder transaction information including at least purchasing activities attributable to said payment card holder; retrieving from one or more databases a second set of information comprising a plurality of rewards programs; generating one or more predictive behavioral spend profiles based on the first set of information; analyzing the one or more predictive behavioral spend profiles and the second set of information to identify one or more correlations between the one or more predictive behavioral spend profiles and the plurality of rewards programs; and providing targeted information, based on the one or more correlations, to one or more entities.