Account recommendation based on server-side, persistent device identification

An account recommendation method comprising:

• receiving, at a server, a request including one or more attributes related to a client device;
• identifying a server-side persistent device identification (“PDI”) record for the client device based on the one or more attributes of the client device;
• identifying one or more candidate accounts based on the server-side PDI record;
• determining confidence scores for the one or more candidate accounts;
• generating a recommendation signal for a user account associated with the client device based on the confidence scores;
• and
• transmitting the recommendation signal to a merchant server.

A non-transitory computer readable medium including computer executable instructions stored in the computer readable medium for controlling a device to:

• receive a request including one or more attributes related to a client device;
• identify a server-side persistent device identification (“PDI”) record for the client device based on the one or more attributes of the client device;
• identify a plurality of candidate accounts based on the server-side PDI record;
• determine confidence scores for each of the plurality candidate accounts;
• identify a candidate account of the plurality of candidate accounts having a highest value for a confidence score;
• generate a recommendation signal for a user account associated with the client device based on the candidate account of the plurality of candidate accounts having the highest value for the confidence score;
• and
• transmit the recommendation signal to a merchant server.