System and method for providing smart statements

A method for providing an account holder with a purchase-data driven statement, comprising:

• receiving, via a network at one or more processors:
• account data comprising one or more past purchases of the account holder,
• advertising data associated with a first merchant and comprising information associated with advertised products and services including location information for the advertised products and services, and
• location data of an account holder device;
• comparing the advertising data to the account data to identify a first product or service included in both the advertising data and the account data;
• determining that the location information for the first product or service matches the location data of the account holder device;
• creating, in real-time, by the one or more processors, a targeted advertisement for the first product or service that includes a personalized text-based message, the message including a link that is selectable by a user of the account holder device to direct the account holder device to a website associated with the first product or service;
• generating, in real-time, a graphical user interface comprising the account data, the advertising data, and the targeted advertisement, wherein the graphical user interface displays location information of the first merchant;
• transmitting by the one or more processors, the graphical user interface, wherein the graphical user interface facilitates two-way communication between the account holder device and the first merchant and causes a single display of the account holder device to present and organize the targeted advertisement, the account data, and the advertising data;
• receiving new account data comprising one or more new purchases of the account holder made after transmitting the targeted advertisement;
• comparing the account holder's spending associated with the new account data to the account holder's spending associated with the account data;
• determining, by the one or more processors, a quantitative measure of a relative effectiveness of the targeted advertisement based on whether the account holder's spending increased or decreased after transmitting the targeted advertisement;
• obtaining, by the one or more processors, demographic information associated with the account holder;
• generating, by the one or more processors, predictive recommendations by associating the quantitative measure of the relative effectiveness of the targeted advertisement with the demographic information;
• and
• transmitting, by the one or more processors, the predictive recommendations to the first merchant.