Patent Document ID: 20090192875
Application ID: 12323753
Patent Flag: 0

Claim One:
1. A computer-based method for associating transaction card accounts with at least one of a plurality of life stage segments, said method comprising: storing transaction data for the transaction card accounts within a database, including data relating to each cardholder associated with a transaction card account and purchases made by the cardholders using the corresponding transaction card; analyzing survey results received from a plurality of transaction card holders to define the plurality of life stage segments based on at least one of demographics, transactions within various categories, and transaction card usage; creating at least one spending profile for a life stage target group, the life stage target group including transaction card holders within at least one of the defined life stages for which a marketing campaign is targeted; developing a survey-based life stage model based on the life stage target group and the spending profiles; creating a transaction data-based life stage model by applying the survey-based life stage model to a portion of the transaction data stored within the database; applying the transaction-based life stage model to the transaction data to identifies cardholder accounts included within the life stage target group; and ranking the transaction card accounts stored within the database based on a likelihood the accounts are included within the life stage target group.