Method and system for providing insights to merchants based on consumer transaction history

A method for providing insight metrics for transaction behavior, comprising:

• storing, in an account database of a processing server, a plurality of account profiles, wherein each account profile includes a structured data set related to a transaction account including at least a profile identifier and a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving the related transaction account including at least a transaction time and/or date, a transaction amount, a merchant identifier, and additional transaction data;
• receiving, by a receiving device of the processing server, a first data file, wherein the first data file includes at least a specific identifier associated with a specific merchant and an account identifier of a group of one or more account identifiers;
• executing, by a querying module of the processing server, a query on the account database to identify, for each account identifier of the group of one or more account identifiers, a related account profile based on a correspondence between the included profile identifier and the respective account identifier;
• identifying, by an analytic module of the processing server, one or more metric values for each identified account profile, wherein each of the one or more metric values is associated with the one or more desired metrics included in the received first data file and is based on at least one of:
• the transaction time and/or date, transaction amount, and additional transaction data included in each transaction data entry included in the respective account profile;
• generating, by a generation module of the processing server, a second data file, wherein the second data file includes at least the account identifier corresponding to each of the identified account profiles;
• and
• electronically transmitting, by a transmitting device of the processing server, the generated second data file.

A system for providing insight metrics for transaction behavior, comprising:

• an account database of a processing server configured to store a plurality of account profiles, wherein each account profile includes a structured data set related to a transaction account including at least a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving the related transaction account including at least a transaction time and/or date, a transaction amount, a merchant identifier, and additional transaction data;
• a receiving device of the processing server configured to receive a first data file, wherein the first data file includes at least a specific identifier associated with a specific merchant, one or more desired metrics, and a plurality of merchant transaction entries, each merchant transaction entry including data related to a payment transaction involving the specific merchant including at least a transaction time and/or date, a transaction amount, and an account identifier of a group of one or more account identifiers;
• a querying module of the processing server configured to execute a query on the account database to identify, for each account identifier of the group of one or more account identifiers, a related account profile based on a correspondence between the transaction time and/or date and transaction amount included in one or more of the merchant transaction entries included in the first data file that includes the respective account identifier and the transaction time and/or date and transaction amount included in one or more of the transaction data entries included in the respective account profile that includes a merchant identifier corresponding to the specific identifier;
• an analytic module of the processing server configured to identify one or more metric values for each identified account profile, wherein each of the one or more metric values is associated with the one or more desired metrics included in the received first data file and is based on at least one of:
• the transaction time and/or date, transaction amount, and additional transaction data included in each transaction data entry included in the respective account profile;
• a generation module of the processing server configured to generate a second data file, wherein the second data file includes at least the account identifier corresponding to each of the identified account profiles;
• and
• a transmitting device of the processing server configured to electronically transmit the generated second data file.

A system for providing insight metrics for transaction behavior, comprising:

• an account database of a processing server configured to store a plurality of account profiles, wherein each account profile includes a structured data set related to a transaction account including at least a profile identifier and a plurality of transaction data entries, each transaction data entry including data related to a payment transaction involving the related transaction account including at least a transaction time and/or date, a transaction amount, a merchant identifier, and additional transaction data;
• a receiving device of the processing server configured to receive a first data file, wherein the first data file includes at least a specific identifier associated with a specific merchant and an account identifier of a group of one or more account identifiers;
• a querying module of the processing server configured to execute a query on the account database to identify, for each account identifier of the group of one or more account identifiers, a related account profile based on a correspondence between the included profile identifier and the respective account identifier;
• an analytic module of the processing server configured to identify one or more metric values for each identified account profile, wherein each of the one or more metric values is associated with the one or more desired metrics included in the received first data file and is based on at least one of:
• the transaction time and/or date, transaction amount, and additional transaction data included in each transaction data entry included in the respective account profile;
• a generation module of the processing server configured to generate a second data file, wherein the second data file includes at least the account identifier corresponding to each of the identified account profiles;
• and
• a transmitting device of the processing server configured to electronically transmit the generated second data file.