Systems and methods for predicting consumer spending behavior based on historical transaction activity progressions

A computer-implemented method of predicting consumer spending behavior based on historical purchase activity progressions, comprising:

• receiving, by a profiler computing system, transaction data related to one or more past payment transactions;
• determining, by the profiler computing system, a plurality of historical purchase activity progressions;
• receiving, by the profiler computing system, transaction data related to a current payment transaction associated with a payment vehicle;
• generating, by the profiler computing system, a payment vehicle token based on the transaction data related to the current payment transaction;
• affiliating, by the profiler computing system, the current payment transaction to the payment vehicle token;
• comparing, by the profiler computing system, environmental and/or behavioral data associated with the one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;
• determining, by the profiler computing system, whether a progression associated with the current payment transaction associated with the payment vehicle token maps to at least one of the plurality of historical purchase activity progressions;
• and
• generating, by the profiler computing system, an indication of at least one predicted purchase transaction based on the at least one of the plurality of historical purchase activity progression.

A system of predicting consumer spending behavior based on historical purchase activity progressions, the system comprising:

• one or more computer readable media storing instructions for predicting the consumer spending behavior;
• and
• one or more processors configured to execute the instructions to perform operations comprising:
• receiving, by a profiler computing system, transaction data related to one or more past payment transactions;
• determining, by the profiler computing system, a plurality of historical purchase activity progressions;
• receiving, by the profiler computing system, transaction data related to a current payment transaction associated with a payment vehicle;
• generating, by the profiler computing system, a payment vehicle token based on the transaction data related to the current payment transaction;
• affiliating, by the profiler computing system, the current payment transaction to the payment vehicle token;
• comparing, by the profiler computing system, environmental and/or behavioral data associated with the one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;
• determining, by the profiler computing system, whether a progression associated with the current payment transaction associated with the payment vehicle token maps to at least one of the plurality of historical purchase activity progressions;
• and
• generating, by the profiler computing system, an indication of at least one predicted purchase transaction based on the at least one of the plurality of historical purchase activity progression.

A non-transitory machine-readable medium stores instructions that, when executed by a profiler computing system, causes the profiler computing system to perform operations for predicting consumer spending behavior based on historical purchase activity progressions, the operations comprising:

• receiving, by the profiler computing system, transaction data related to one or more past payment transactions;
• determining, by the profiler computing system, a plurality of historical purchase activity progressions;
• receiving, by the profiler computing system, transaction data related to a current payment transaction associated with a payment vehicle;
• generating, by the profiler computing system, a payment vehicle token based on the transaction data related to the current payment transaction;
• affiliating, by the profiler computing system, the current payment transaction to the payment vehicle token;
• comparing, by the profiler computing system, environmental and/or behavioral data associated with the one or more of the past payment transactions with environmental and/or behavioral data associated with the current payment transaction associated with the payment vehicle token;
• determining, by the profiler computing system, whether a progression associated with the current payment transaction associated with the payment vehicle token maps to at least one of the plurality of historical purchase activity progressions;
• and
• generating, by the profiler computing system, an indication of at least one predicted purchase transaction based on the at least one of the plurality of historical purchase activity progression.