Inferring purchase intent using non-payment transaction events

A system to infer purchase transactions, comprising:

• a user computing device, the user computing device comprising a first storage device having first application code instructions stored therein, and a first hardware processor communicatively coupled to the first storage device, wherein the first application code instructions, when executed by the first hardware processor, cause the user computing device to:
• display an offer on a user interface of the user computing device;
• display an account identifier on the user interface of the user computing device;
• detect a geolocation of the user computing device when the account identifier is displayed on the user interface and responsive to displaying the account identifier on the user interface;
• determine a first time when the account identifier is displayed on the user interface and responsive to displaying the account identifier on the user interface;
• transmit a notification to an account management computing system when the account identifier is displayed on the user interface and responsive to displaying the account identifier on the user interface, the notification comprising an indication that the account identifier was displayed, the detected geolocation, the determined first time, and a description of the account identifier;
• an account computing system, the account computing system comprising a second storage device having second application code instructions stored therein, and a second hardware processor communicatively coupled to the second storage device, wherein the second application code instructions, when executed by the second hardware processor, cause the account computing system to:
• detect a second time when a balance is adjusted;
• transmit a second notification to the account management computing system when the balance is adjusted and responsive to the detection of the balance being adjusted, the second notification comprising an indication that the balance was adjusted, the second time, and a desertion of the balance;
• an account management computing system, the account management computing system not taking part in the approval of financial transactions and not participating in redemptions of offers, the account management computing system comprising a storage device having application code instructions stored therein, and a hardware processor communicatively coupled to the storage device, wherein application code instructions, when executed by the hardware processor, cause the account management computing system to:
• determine that a user interacted with the offer via the user computing device;
• receive the notification from the user computing device when the account identifier is displayed by the user interface of the user computing device;
• receive the second notification from the account computing system when the balance is adjusted;
• determine that the indication that the account identifier was displayed and the indication that the balance was adjusted are pre-determined signals used for identifying purchase transactions;
• determine that the user participated in a purchase transaction with a merchant using a predictive model to analyze the indication that the account identifier was displayed, the detected geolocation, the determined first time, the second time, and the indication that the balance was adjusted;
• determine that the offer was redeemed during the purchase transaction with the merchant without the one or more computing devices taking part in an approval of the purchase transaction and without participating in redemption of the offer;
• and
• mark the offer as redeemed in response to determining that the offer was redeemed during the purchase transaction with the merchant.