Business marketing services, namely, computer-assisted matching of consumers to merchants by analyzing purchasing data from payment cards, delivery of customized gift incentives to matched consumers based on predicted spend with merchant, and redemption based on use of payment card at merchant; business marketing services, namely, computer-assisted matching of merchant incentives to prospective consumers by creating definitions of merchant incentives, analyzing payment card purchase transactions to customize incentives to prospective consumers, facilitating delivery of incentives to prospective consumers, providing consumer notifications about available incentives and a method of redeeming through their payment card; business marketing services, namely, providing monetary gifts to consumers on behalf of merchants using computer-assisted payment card-linked gift incentives and predictions of purchasing behavior