Systems and methods for casual spending recommendations to modify customer spending

A computer-implemented method for providing spending recommendations to a user, the method comprising:

• maintaining an account card service for an account associated with a first user;
• receiving first user shopping data based on a plurality of user shopping purchases over a first time period;
• determining, based on a Bayesian model, at least one of a temporal or a geographic trigger of the user shopping purchases by extrapolating rate of change data from a graph corresponding to the Bayesian model and determining an effect on user spending patterns based on the extrapolated rate of change data;
• generating for display, on a user device, a message to the user indicating the trigger, wherein the message comprises a suggestion for a user spending recommendation based on the effect on the user spending patterns;
• adding a spending recommendation rule to the Bayesian model based on user input;
• and
• generating for display, on the user device, a personalized spending recommendation, based on the rule.

A non-transitory computer-readable medium storing instructions that, when executed by a processor, cause the processor to perform operations comprising:

• maintaining an account card service for an account associated with a first user;
• receiving first user shopping data based on a plurality of user shopping purchases over a first time period;
• determining, based on a Bayesian model, at least one of a temporal or a geographic trigger of the user shopping purchases by extrapolating rate of change data from a graph corresponding to the Bayesian model and determining an effect on user spending patterns based on the extrapolated rate of change data;
• generating for display, on a user device, a message to the user indicating the trigger, wherein the message comprises a suggestion for a user spending recommendation based on the effect on the user spending patterns;
• adding a spending recommendation rule to the Bayesian model based on user input;
• and
• generating for display, on the user device, a personalized spending recommendation, based on the rule.