Systems and methods for providing automated tipping suggestions

A method for offering tipping suggestions, comprising:

• receiving transaction information relating to a user purchase authorization associated with a user financial service account;
• determining classifications of merchants associated with tipping;
• determining a merchant associated with the authorization based on the received transaction information;
• determining whether the merchant is associated with a tipping classification;
• determining, via one or more processors, tipping history information for the user associated with the determined merchant;
• and
• providing the user with the tipping history information.

A system for offering tipping suggestions to a customer, comprising:

• a memory storing instructions;
• and
• a processor configured to execute the instructions to:
• receive a plurality of indications of authorization amounts associated with purchases made by users using an account provided by one or more financial service providers over a period of time;
• transmit authorization information to one or more financial service systems associated with one or ore financial service providers corresponding to the purchases;
• receive a plurality of indications of settlement amounts associated with the purchases;
• transmit settlement amount information to the one or more financial service systems based on the received indications of settlement amounts;
• and
• receive tipping information from the one or more financial service systems relating to tipping amounts during the period of time based on the authorization amounts and settlement amounts paid by users for the purchases.