Systems and methods for predicting consumer spending behavior based on historical transaction activity progressions

1. A computer-implemented method of predicting consumer spending behavior based on historical purchase activity progressions, comprising:

receiving, in a database associated with a profiler computing system, transaction data related to two or more past payment transactions of a consumer, wherein for each of the past payment transactions, transaction data is data electronically received from one of a plurality of merchants to effectuate an electronic transfer of funds via an electronic payment network;

receiving, in the database associated with the profiler computing system, environmental and/or behavioral data associated with each of the past payment transactions of the consumer;

determining, by a processor of the profiler computing system, based on variations in channels of commerce for a merchant within the transaction data and environmental and/or behavioral data associated with each of the past payment transactions, a plurality of historical purchase activity progressions, wherein each of the historical purchase activity progressions identifies one or more trends in environmental and/or behavioral data based on an analysis of the transaction data and the environmental and/or behavioral data associated with each of the two or more past payment transactions of the purchaser;

subsequent to determining the plurality of historical purchase activity progressions, receiving, in the database associated with the profiler computing system by way of a networked user device, transaction data related to a current payment transaction of the consumer using a payment vehicle, wherein the current payment transaction for the consumer originates at a merchant;

generating, by the processor of the profiler computing system, a payment vehicle token based on the transaction data related to the current payment transaction;

affiliating, by the processor of the profiler computing system, the current payment transaction of the consumer to the payment vehicle token;

receiving, in the database associated with the profiler computing system, environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;

comparing, by the processor of the profiler computing system, variations in the environmental and/or behavioral data associated with one or more of the past payment transactions with variations in environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;

determining, by the processor of the profiler computing system, using the comparison, whether a progression of one or more of the past payment transactions to the current payment transaction associated with the payment vehicle token maps to one of the historical purchase activity progressions from the plurality of historical purchase activity progressions; and

when the progression of the consumer from one or more of the past payment transactions to the current payment transaction maps to a historical purchase activity progression from the plurality of consumer purchase activity progressions, providing, by the processor of the profiler computing system, an indication of at least one predicted purchase transaction based on that historical purchase activity progression.

2. The method of claim 1 , wherein the environmental and/or behavioral data associated with a payment transaction includes, one or more of:

data related to the channel of purchase used in the payment transaction;

temporal data related to the payment transaction;

data related to the geographical location of the consumer or merchant in the payment transaction;

data related to the merchant in the payment transaction;

data related to a good or service being transacted for in the payment transaction;

data related to any online activity of the consumer; and

transaction data related to the payment transaction.

3. The method of claim 1 , wherein the determining of whether the progression from one or more of the past payment transactions to the current payment transaction maps to one of the historical purchase activity progressions from the plurality of historical purchase activity progressions comprises determining if an environmental and/or behavioral data associated with one or more past payment transactions and an environmental and/or behavioral data associated with the current payment transaction reflects one or more trends in environmental and/or behavioral data for a plurality of historical purchase activity progressions.

4. The method of claim 1 , wherein the providing the indication of the at least one predicted purchase transaction comprises providing an indication of one or more environmental and/or behavioral data associated with the predicted purchase transaction.

5. The method of claim 1 , further comprising:

generating a targeted offer for use by the consumer based on the indication of the predicted purchase transaction.

6. The method of claim 5 , wherein the providing the targeted offer for use by the consumer at the predicted purchase transaction comprises transmitting an electronic offer to the consumer.

7. The method of claim 1 , wherein the providing the indication of the at least one predicted purchase transaction comprises providing an indication of a change in a usage of one or more payment vehicles or payment networks used in payment transactions.

8. A system of predicting consumer spending behavior based on historical purchase activity progressions, comprising a data storage device storing instructions for predicting consumer spending behavior based on historical purchase activity progressions; and a processor configured to execute the instructions to perform a method including:

receiving, in a database associated with a profiler computing system, transaction data related to two or more past payment transactions of a consumer, wherein for each of the past payment transactions, transaction data is data electronically received from one of a plurality of merchants to effectuate an electronic transfer of funds via an electronic payment network;

receiving, in the database associated with the profiler computing system, environmental and/or behavioral data associated with each of the past payment transactions of the consumer;

determining, by a processor of the profiler computing system, based on variations in channels of commerce for a merchant within the transaction data and environmental and/or behavioral data associated with each of the past payment transactions, a plurality of historical purchase activity progressions, wherein each of the historical purchase activity progressions identifies one or more trends in environmental and/or behavioral data based on an analysis of the transaction data and the environmental and/or behavioral data associated with each of the two or more past payment transactions of the purchaser;

subsequent to determining the plurality of historical purchase activity progressions, receiving, in the database associated with the profiler computing system by way of a networked user device, transaction data related to a current payment transaction of the consumer using a payment vehicle, wherein the current payment transaction for the consumer originates at a merchant;

generating, by the processor of the profiler computing system, a payment vehicle token based on the transaction data related to the current payment transaction;

affiliating, by the processor of the profiler computing system, the current payment transaction of the consumer to the payment vehicle token;

receiving, in the database associated with the profiler computing system, environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;

comparing, by the processor of the profiler computing system, the environmental and/or behavioral data associated with one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;

determining, by the processor of the profiler computing system, using the comparison, whether a progression of one or more of the past payment transactions to the current payment transaction associated with the payment vehicle token maps to one of the historical purchase activity progressions; and

when the progression of the consumer from one or more of the past payment transactions to the current payment transaction maps to a historical purchase activity progression from the plurality of consumer purchase activity progressions, providing, by the processor of the profiler computing system, an indication of at least one predicted purchase transaction based on that historical purchase activity progression.

9. The system of claim 8 , wherein the environmental and/or behavioral data associated with a payment transaction includes, one or more of:

data related to the channel of purchase used in the payment transaction;

temporal data related to the payment transaction;

data related to the geographical location of the consumer or merchant in the payment transaction;

data related to the merchant in the payment transaction;

data related to a good or service being transacted for in the payment transaction;

data related to any online activity of the consumer; and

transaction data related to the payment transaction.

10. The system of claim 8 , wherein the determining of whether the progression from one or more of the past payment transactions to the current payment transaction maps to one of the historical purchase activity progressions from the plurality of historical purchase activity progressions comprises determining if an environmental and/or behavioral data associated with one or more past payment transactions and an environmental and/or behavioral data associated with the current payment transaction reflects one or more trends in environmental and/or behavioral data for a plurality of historical purchase activity progressions.

11. The system of claim 8 , wherein the providing the indication of the at least one predicted purchase transaction comprises providing an indication of one or more environmental and/or behavioral data associated with the predicted purchase transaction.

12. The system of claim 8 , wherein the instructions stored further cause the processor to:

generating a targeted offer for use by the consumer based on the indication of the predicted purchase transaction.

13. The system of claim 12 , wherein the providing the targeted offer for use by the consumer at the predicted purchase transaction comprises transmitting an electronic offer to the consumer.

14. The system of claim 8 , wherein the providing the indication of the at least one predicted purchase transaction comprises providing an indication of a change in a usage of one or more payment vehicles or payment networks used in payment transactions.

15. A non-transitory machine-readable medium stores instructions that, when executed by profiler computing system, causes the profiler computing system to perform a method for predicting consumer spending behavior based on historical purchase activity progressions, the method comprising:

receiving, in a database associated with a profiler computing system, transaction data related to two or more past payment transactions of a consumer, wherein for each of the past payment transactions, transaction data is data electronically received from one of a plurality of merchants to effectuate an electronic transfer of funds via an electronic payment network;

receiving, in the database associated with the profiler computing system, environmental and/or behavioral data associated with each of the past payment transactions of the consumer;

determining, by a processor of the profiler computing system, based on variations in channels of commerce for a merchant within the transaction data and environmental and/or behavioral data associated with each of the past payment transactions, a plurality of historical purchase activity progressions, wherein each of the historical purchase activity progressions identifies one or more trends in environmental and/or behavioral data based on an analysis of the transaction data and the environmental and/or behavioral data associated with each of the two or more past payment transactions of the purchaser;

subsequent to determining the plurality of historical purchase activity progressions, receiving, in the database associated with the profiler computing system by way of a networked user device, transaction data related to a current payment transaction of the consumer using a payment vehicle, wherein the current payment transaction for the consumer originates at a merchant;

generating, by the processor of the profiler computing system, a payment vehicle token based on the transaction data related to the current payment transaction;

affiliating, by the processor of the profiler computing system, the current payment transaction of the consumer to the payment vehicle token;

receiving, in the database associated with the profiler computing system, environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;

comparing, by the processor of the profiler computing system, the environmental and/or behavioral data associated with one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;

determining, by the processor of the profiler computing system, using the comparison, whether a progression of one or more of the past payment transactions to the current payment transaction associated with the payment vehicle token maps to one of the historical purchase activity progressions from the plurality of historical purchase activity progressions; and

when the progression of the consumer from one or more of the past payment transactions to the current payment transaction maps to a historical purchase activity progression from the plurality of consumer purchase activity progressions, providing, by the processor of the profiler computing system, an indication of at least one predicted purchase transaction based on that historical purchase activity progression.

16. The method of claim 15 , wherein the environmental and/or behavioral data associated with a payment transaction includes, one or more of:

data related to the channel of purchase used in the payment transaction;

temporal data related to the payment transaction;

data related to the geographical location of the consumer or merchant in the payment transaction;

data related to the merchant in the payment transaction;

data related to a good or service being transacted for in the payment transaction;

data related to any online activity of the consumer; and

transaction data related to the payment transaction.

17. The method of claim 15 , wherein the determining of whether the progression from one or more of the past payment transactions to the current payment transaction maps to one of the historical purchase activity progressions from the plurality of historical purchase activity progressions comprises determining if an environmental and/or behavioral data associated with one or more past payment transactions and an environmental and/or behavioral data associated with the current payment transaction reflects one or more trends in environmental and/or behavioral data for a plurality of historical purchase activity progressions.

18. The method of claim 15 , wherein the providing the indication of the at least one predicted purchase transaction comprises providing an indication of one or more environmental and/or behavioral data associated with the predicted purchase transaction.

19. The method of claim 15 , further comprising:

generating a targeted offer for use by the consumer based on the indication of the predicted purchase transaction.

20. The method of claim 15 , wherein the providing the indication of the at least one predicted purchase transaction comprises providing an indication of a change in a usage of one or more payment vehicles or payment networks used in payment transactions.