Systems and Methods for Analyzing Spending Behavior of Participants Associated With Fund Disbursement Programs

摘要

Systems and methods are provided for use in responding to purchase behaviors of participants of disbursement programs. One exemplary method includes accessing transaction data associated with a payment account, where the payment account is associated with a participant and a disbursement program and where the transaction data is representative of a number of transactions made to the payment account. The method also includes identifying, for each of the transactions, a classification based on at least one classification criteria and calculating a behavior score based on at least one behavior parameter and the classification of at least one of the transactions. And, when the behavior score satisfies a remedial threshold, causing a remedial response to be provided to the participant, whereby the remedial response indicates to the participant to alter one or more purchase behaviors.