Patent ID: 8744906

Claim:
A computer-implemented method, comprising: receiving, in a computing apparatus, a request for a profile to customize information for presentation to a user identified in the request; and responsive to the request identifying the user, providing by the computing apparatus the profile of the user, wherein the profile is generated based on identifying a plurality of factors from a factor analysis of spending variables as applied to transaction data of a plurality of users, wherein the spending variables aggregate spending in the transaction data according to merchant categories, and applying transaction data of the user to the plurality of factors, identified from the factor analysis, to determine a plurality of values representing aggregated spending in various areas; wherein the transaction data are related to a plurality of transactions processed at a transaction handler, each of the transactions being processed to make a payment from an issuer to an acquirer via the transaction handler in response to an account identifier, as issued by the issuer to the user, being submitted by a merchant to the acquirer, the issuer to make the payment on behalf of the user, the acquirer to receive the payment on behalf of the merchant.