Patent ID: 8688503

Claim:
A method comprising: identifying, by a computer-based system for targeting marketing, a potential converter to an upgraded transaction account product based on spend records of a plurality of converted transaction account holders having a pattern of spending at a merchant, wherein the plurality of converted transaction account holders have the pattern of spending at the merchant that is indicative of a change in lifestyle; targeting, by the computer-based system, marketing about the upgraded transaction account product to the potential converter in response to the identifying; matching, by the computer-based system, a last name of the converted transaction account holder to a last name of an individual in transaction information associated with the upgraded transaction account; determining, by the computer-based system, that the individual is a family member of the converted transaction account holder and that a transaction in the transaction information is associated with the individual; and targeting, by the computer-based system, marketing about a supplementary transaction account product to the converted transaction account holder, in response to the determining that the transaction is associated with the individual and that the individual is a family member.